Your money,
brilliantly orchestrated

Meet Moni, your living financial companion. Moni spots the small leaks, asks the right questions, and turns life’s biggest money moments into clear next steps, quietly orchestrating the background so you can focus on living.

🔔
Total Balance
£14,204.50
+£402.10 this week
Spent
£1,204
Saved
£3,000
Recent Activity
View all

Backed & Recognized By

NVIDIA INCEPTION
Microsoft for Startups
M
Mountside Ventures

The Engine

Four cores. One mind

Always listening

Ask about your money. Talk out loud or type — Moni gets context like a friend

Moni
Tell Moni...

The Orchestrator

Moni watches your back, so you don’t have to

Banking waits for you to slip. Moni steps in before it happens

01

Moni looks ahead, so you don't have to

Banks wait for you to slip. Moni sees the next move and helps you take it

The Old Way
MARKETING EMAIL: 'Great new mortgage rates!' (Sent to spam)
Moni
Your fixed mortgage ends in 6 months. Based on your current LTV, jumping to a new rate now could save you £140/month.
Shall I connect you with our partner broker to lock in a rate before they go up?
Yes please, that would be great.
Done. They'll drop you a message here tomorrow.
02

Moni protects your balance

No more punishing overdraft fees. Just a quiet nudge before they hit

The Old Way
ALERT: £35 OVERDRAFT FEE CHARGED.
Moni
Heads up: your O2 mobile direct debit is cleared tomorrow, but your main account is £15 short.
Should I temporarily move £15 from your 'Holiday' vault so you don't hit your overdraft?
Yes, do that.
Moved. I'll automatically move it back on payday.
03

Moni finds money you didn't know you had

Your bank lets your cash sit idle. Moni hunts the best yield for every pound

The Old Way
0.1% INTEREST BEARING ACCOUNT.
Moni
You have £4,000 sitting in your everyday account that you haven't touched in 3 months.
I can move this to a 4.5% instant access vault. It'll earn you £180 a year instead of 40p. Move it?
Yes, move it over.
Done. It's working for you now, but you can withdraw it anytime.

How it works

Two minutes to set up. A lifetime to grow into

01

Connect

Link your accounts via Open Banking. Moni sees what you see, nothing more

Open Banking powered
02

Learn

Moni reads your last 90 days, finds patterns, builds a picture of your money

AI that listens
03

Guide

Pick a Journey — house, debt, ISA, switch — and Moni co-pilots every step

Action, not just insight
04

Reward

Daily check-ins, weekly money minute, insights you can act on with one tap

Growth is celebrated

Common questions

The straight answers

Ready to meet Moni

Join the waitlist. Pick the life moment you want walked through first — we’re building Moni in the open

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