How it works.
MoneyAngel securely brings together your accounts, goals and financial information into one complete picture, then helps you see where you stand and work out what you could do next. Here’s how.
Four steps to a clearer picture.
Start with what matters to you.
Tell MoneyAngel what you’re trying to work out, whether that’s paying off debt, saving more or getting ready for the future. Everything that follows is shaped around it.
Bring your financial picture together.
Connect your accounts securely: everyday banking, savings, credit cards, pensions and property. MoneyAngel can see them, but it can never move your money.
See where you stand.
Everything in one place, explained: your net worth, your spending, your goals and how they’re tracking, today and over the years ahead.
Understand what to do next.
MoneyAngel points out what’s worth your attention and explains why, in plain English, with the reasoning shown. It’s always your decision what to do next.
Tell MoneyAngel what you’re working towards..
Add the goals and priorities that matter to you, whether that’s building savings, paying off debt, buying a home or planning further ahead. They give the rest of your financial picture context.
Tell MoneyAngel what you’re working towards..
Add the goals and priorities that matter to you, whether that’s building savings, paying off debt, buying a home or planning further ahead. They give the rest of your financial picture context.
Tell MoneyAngel what you’re working towards..
Add the goals and priorities that matter to you, whether that’s building savings, paying off debt, buying a home or planning further ahead. They give the rest of your financial picture context.
Connect eligible accounts securely and add the rest of your financial picture, including your income, spending, savings, assets, debts and goals. MoneyAngel brings it together without taking control of your money.
See your financial position in one place, including your spending, net worth, available surplus and how your goals are tracking.
See what may deserve a closer look, understand why it matters and explore different possibilities before deciding what works for you.
What MoneyAngel won’t do.
Helping you understand your money starts with knowing what you can expect from us.
It won’t touch your money
MoneyAngel’s access is read-only. It can’t move money, make payments or change anything in your accounts, ever.
It won’t tell you what to do
MoneyAngel helps you understand your options, not choose them for you. The guidance is clear and the decision always stays with you.
It won’t push products. Only guidance
MoneyAngel exists to help you understand your money. It does not promote products or services.
It won’t hide how it reached an answer
Every insight explains what it’s based on, why it matters and how it could affect your goals.
It won’t make your finances harder to understand
No jargon. No overwhelming dashboards. Plain-English guidance about what matters.
Your security comes first.
Starting with your data.
Will you sell my data?
Never. We’re funded by subscriptions—not commissions, advertising or the sale of your personal and financial data.
Read-only Open Banking
MoneyAngel staff cannot see your financial data or move your money. Our tools only help you understand it.
Protected by bank-level encryption
Your data is protected with bank-level encryption, two-factor authentication and secure biometric login whenever you use MoneyAngel.
MoneyAngel is built on decades of experience across financial services and regulated industries, with proven financial principles at its core.
Frequently asked questions.
How does MoneyAngel connect to my bank?
MoneyAngel connects using established and regulated Open Banking protocols. You authenticate directly with your bank, so your login details stay between you and your bank and are never seen or stored by MoneyAngel.
Can MoneyAngel move or spend my money?
No. MoneyAngel’s current Open Banking service is read-only. It cannot move money, make payments or change anything in your accounts. You remain in control and can disconnect an account at any time.
Is Open Banking safe?
Yes. Open Banking is a regulated way to share financial information using the secure systems of participating banks. You authenticate directly with your bank, choose what to connect and can withdraw access at any time. Learn more in our guide: Is Open Banking safe?
What happens after I connect my accounts?
MoneyAngel’s tools bring the information you authorise into one complete view. They can identify patterns and changes, compare your spending with UK averages by category, show whether your goals are on track and suggest practical steps that could help.
What if I've been avoiding my finances because it's stressful?
You’re not alone. MoneyAngel is designed to make your financial picture easier to approach and understand. Start with the area that matters most to you and use the tools at a pace that feels manageable.
Do I need to know what questions to ask?
No. You can begin with the part of your finances you want to understand. Whether that is spending, saving, debt or your future goals. MoneyAngel brings the relevant information together and highlights areas that may deserve your attention.
How does MoneyAngel decide what to show me?
MoneyAngel’s tools analyse the information you choose to connect, looking for patterns, changes and areas that may deserve your attention. When an insight is shown, you can see what it is based on and how it relates to your wider financial picture.
Who can see my finances?
Only you can view your financial picture in MoneyAngel. MoneyAngel staff cannot see or access it. The tools process the information you authorise to provide the service, and your data is never sold.
How is MoneyAngel different from a budgeting app?
Budgeting apps are useful for tracking where your money has gone. MoneyAngel goes further. It brings your whole financial picture together, shows whether your goals are on track and helps you explore practical steps that could move you forward.
Ready to understand your money differently?
Whether you’re saving for a key milestone, planning for your future or simply trying to feel more in control, MoneyAngel helps you ask better questions and get clearer answers.
