Your life,your goals, your money,brilliantly orchestrated

Meet Moni, your living financial companion.Moni gets to know your life and goals, asks the right questions and spots the small leaks. Moni works through your big money moments with you, so you can focus on living.

Partners & programmes
Visa
Tink, a Visa solution
NVIDIA Inception
Google for Startups
AWS Activate
Mountside Ventures

Inside Moni

It's never just about the money

Your Life Timeline

Goals, decisions and life events sit on the same path, making it easier to see what is coming next.

More with Moni

For the things that take more than one conversation

Journeys

A plan you can come back to

Break a goal into smaller steps and take the next one when you are ready.

Buying a home
Check affordability
0 of 8 steps complete
Add a search area or postcode

Check affordability

Review income, savings and borrowing options, then decide what feels comfortable.

Complete stepDiscuss with Moni
Agreement in principle
Find & make an offer
Appoint a solicitor
Mortgage application

Memory

No need to start again

Keep the details and documents behind your plans close to the conversation.

Memory & documents
About your plans
First-home goal

Context you choose to keep close for future conversations.

Saved document
Important document

Keep supporting information with the plan it belongs to.

Rewards

A little credit for showing up

Check-ins, coins and streaks make everyday progress easier to notice.

Your RewardsLevel 1

You and Moni

Trusted

You share the details that matter

120Coins
4 daysStreak
BadgesView all
Check-in+10

Ways to earn

Add to your vault

Keep a document with Moni

+20

Declare a place

Add somewhere your money lives

+25

Set a life goal

Put a goal on your timeline

+50

Notifications

A nudge when it helps

See important dates and requests early enough to do something about them.

Notifications
Illustrative

Mortgage deal ends in 3 months

Now may be a good time to compare your options.

Talk to a mortgage advisor

Your mortgage advisor needs another document

Review the request and send it directly from Moni.

Send document

Passport expires in 2 months

Renewal can take time. It may be worth sorting before your next trip.

View timeline

Now & next

Here now, with more on the way

Available now

Your mortgage deal is nearly up

Moni gives you time to look at what comes next—not a last-minute scramble.

Moni
Your mortgage deal ends in 3 months. Now may be a good time to compare your options.
Can I speak to someone about it?
Yes. I can introduce you to a mortgage advisor, and they can message you here.
Talk to a mortgage advisor
In developmentSubject to regulatory approval

Before the balance gets tight

A future view of what is due and where a shortfall may be forming.

Moni
Concept preview
A larger payment is due next week. Your everyday account may need attention.
Show me what is coming up.
You will be able to review the timing and decide what works for you.
Review what is ahead
In developmentSubject to regulatory approval

When spare cash could work harder

A future way to spot money that may be earning less and explore alternatives.

Moni
Concept preview
Some of your spare cash may be earning less than it could.
What else could I look at?
You will be able to explore the available options before deciding what works for you.
Explore alternatives

In-development features are subject to regulatory approval.

How Moni works

Start with a conversation, then build from there

  1. 01

    Tell Moni what’s going on

    Speak or type about what matters right now.

  2. 02

    Add the pieces as you go

    Goals, dates, documents and the places your money lives build the picture.

  3. 03

    Take the next step when you’re ready

    Follow a Journey, respond to a reminder or talk to a mortgage advisor.

Questions about Moni

What Moni does today, in plain English

Moni provides general information and guidance, not financial advice.

Start now. Get Moni.