Money talks.
Moni talks back.
No judgement. No selling. Just a mate who gets you, and your money.
More than a chatbot
Moni learns your situation, anticipates your needs, and guides you through every financial decision.
Guided Journeys
Step-by-step guidance through life's big moments: buying a home, having a baby, planning for retirement.
Proactive Nudges
Spots opportunities and risks before you do. Then tells you exactly what to do.
Full Picture
All your accounts, pensions, and investments in one clear view.
No Judgement
Whether you are in debt or doing well, Moni is here to help. Not lecture.
Your Goals, Your Way
Set targets that matter to you. Moni creates a plan and keeps you on track.
Bank-Grade Security
Your data is encrypted and never sold. Moni works for you, not advertisers.
How it works
Getting started takes 2 minutes. Getting confident with money? That is what Moni is here for.
Connect
Link your bank accounts securely. Moni sees what you see. Nothing more.
Open Banking poweredLearn
Moni understands your income, spending, goals, and worries. No forms. Just chat.
AI that listensGuide
Get personalised advice, proactive alerts, and step-by-step journeys for big decisions.
Action, not just insightBuilt by people who get it
We've spent decades in banking and fintech. We know the system — and we're building something better.
Ready to meet your money mate?
Join the waitlist for early access. Be among the first to experience a new kind of financial guidance.
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