Open Banking · UK-first · AI-powered

Your salary,
actually working
for you.

Earmark connects to your bank, analyses every pound you spend, and tells you exactly how to split your paycheck — so your money works before you touch it.

Join the Waitlist See how it works
FCA compliant
Bank-level encryption
Read-only access
Savings Rate
15.6%
↑ 2.3% vs last month
Could Save
£588/yr
Found across 3 areas
Price Creep
+£45/yr
5 subs increased
earmarkIQ
Monthly Income
£2,942
📊 Paycheck Allocation
free to spend
£2.6k
Bills 10%
Savings 1%
Invest 0%
Discretionary 89%
☀️ Today's Snapshot
It's Wednesday — you typically spend £45 on Wednesdays. You're at £23, well under budget.
💡 Weekly Insights
📈
Payday Spike
+21%
Extra spend week 1 after payday
📅
Wknd vs Wkday
£132/£165
Weekday spending higher
Home
Activity
Plan
Chat
Open Banking API
AI Financial Advisor
Spending Rhythm Analysis
Money Personality
Subscription Radar
Price Creep Alerts
Smart Marketplace
Investment Calculator
Salary Allocation
Goal Tracking
Open Banking API
AI Financial Advisor
Spending Rhythm Analysis
Money Personality
Subscription Radar
Price Creep Alerts
Smart Marketplace
Investment Calculator
Salary Allocation
Goal Tracking
How it works

Three steps to financial clarity.
Two minutes to set up.

No spreadsheets. No budgeting apps you'll abandon. Connect and let Earmark do the thinking.

01

Connect your bank

Link your account in seconds via Open Banking. Monzo, Starling, Barclays, HSBC — we support them all. Read-only, we never touch your money.

02

Get your financial profile

Our AI analyses your spending DNA — patterns, rhythms, habits, and blind spots. You get a Money Personality, Quick Wins, and a recommended paycheck split.

03

Watch your money grow

Track weekly budgets, catch subscription creep, hit savings goals, and get AI recommendations from our smart marketplace — tailored to your data.

0+
UK banks supported
£0
to find out where your money goes
0
money personality types
24/7
AI financial advisor
AI Financial Profile

Your money has a
personality. Meet it.

The moment you connect, Earmark builds a financial profile — your spending type, danger zones, quick wins, and a roadmap to your goals.

  • Money Personality analysis (Feast or Famine, Steady Eddie, etc.)
  • Spending rhythm — which days cost you most
  • Quick Wins with exact £ amounts you could save
🎢
The Feast or Famine Spender
Your spending swings significantly month to month. A baseline weekly budget could smooth the peaks.
Spending Rhythm
£35
Mon
£143
Tue
£350
Wed
£52
Thu
£211
Fri
£188
Sat
£54
Sun
Could you save?
£588/year
£21/mo transport · £20/mo entertainment · £7/mo tiny subs
Subscription Radar

Catch every price
increase instantly.

Earmark watches your recurring payments. The moment a subscription creeps up, you'll know — along with the annual impact.

  • Automatic price change detection across all subscriptions
  • Annual impact calculations — the real cost of small increases
  • Bills, subscriptions, and daily habits — auto-categorised
Bills & Recurring
£291.72/mo
£80
Bills
£79.73
Subscriptions
£131.99
Daily Habits
📊
Datacamp
£33.55 → £34.27
+£9/yr
✈️
easyJet
£3.75 → £3.95
+£2/yr
💈
Seabarber
£33.00 → £35.00
+£24/yr
⚠️ Subscription creep: +£3.78/mo · £45/year
Weekly Insights

Insights that actually
save you money.

Earmark spots duplicate charges, identifies spending spikes, and tells you exactly where to cut — with pound amounts, not platitudes.

  • Duplicate charge detection — "You're being charged twice"
  • Buffer warnings when surplus gets dangerously thin
  • Actionable savings with alternatives and next steps
📋 Weekly Insights
Duplicate charges Save £177/mo
You're being charged twice for Microsoft (£8.49 × 2) and Diesel Ak Cic (£80 × 2).
Check your subscription list →
Price creep spotted Save £4/mo
5 subscriptions increased — costing +£3.78/month (£45/year).
Review each increase →
Tight monthly buffer
Surplus is only £43.86 — less than 2% of income. You're spending 98.5% of what you earn.
Consider pausing subscriptions →
AI Chat

Ask anything about
your finances.

Earmark AI knows your transactions, goals, and habits. Ask "Can I afford a holiday?" and get an answer based on your real data — not generic advice.

  • Context-aware — knows your income, bills, goals, patterns
  • Suggested prompts to get started quickly
  • Honest answers — if you can't afford it, it tells you why
💬 Earmark AI
Can I afford a holiday?
A holiday is doable, but it'll need planning.

You've got a £2,000 goal at £0 saved. With your £43.86 surplus, that's ~46 months.

To speed this up: redirect some discretionary spend, or cancel unused subs worth £7.22/mo (£87/yr you likely won't miss).
Ask about your finances...
Smart Marketplace

Recommendations that
fit your actual life.

Not a generic comparison site. Earmark analyses your data and recommends the exact products that would benefit you most — ISAs, savings accounts, investments, pensions.

  • Personalised picks ranked by benefit — not by commission
  • Investment growth calculator with compound return projections
  • Goals: holiday, house deposit, emergency fund, debt payoff
Smart Recommendations
Personalised picks based on your spending & goals
✨ Powered by earmarkIQ
💡 We've found ways to make your money work harder based on your spending patterns and goals.
Best Savings Accounts
C
Chase Saver
Affiliate
4.50% AER
Instant access, no minimum deposit. Up to £250,000.
Learn More →
Ch
Chip Easy Access
4.34% AER
Security & Trust

Your money data is sacred.
We treat it that way.

Earmark uses the same Open Banking infrastructure trusted by millions of UK bank customers.

🔒

Read-Only Access

We see your transactions but can never move money, make payments, or modify accounts.

🏛️

FCA Regulated

Open Banking is FCA-regulated and GDPR-protected. Backed by UK government policy.

🛡️

256-bit Encryption

Bank-level encryption. You authenticate directly with your bank — we never see your password.

💳

FSCS Protected

Deposits protected up to £85,000. We don't hold funds — they stay in your bank.

📱

Your Data, Your Control

Revoke access anytime. We delete your data immediately on request.

🤝

No Data Selling

We never sell financial data to third parties. Transactions are only used for your insights.

For Investors

Building the financial operating
system for the UK.

Open Banking × AI × Affiliate commerce — a high-margin, data-driven fintech with multiple revenue streams.

💰
Affiliate Revenue Engine
AI-powered product recommendations drive high-intent conversions. Users matched to savings accounts, ISAs, and investments based on actual spending data.
£25k–£150k+
Target earner range per user
📊
Viral Product Mechanics
Money Personality profiles, spending rhythms, and "Could you save?" insights are inherently shareable. Every insight card is a potential viral moment.
B2C → B2B
Bottom-up adoption strategy
🧠
AI-Native Architecture
Built on Claude AI with Open Banking data. The system gets smarter with every user — detecting patterns, predicting overspend, personalising recommendations.
2 min
Download to full financial profile
🇬🇧
UK-First Market
The UK has the world's most mature Open Banking ecosystem. 7.5m+ users already connected. Purpose-built for this regulated, trust-first market.
7.5M+
UK Open Banking users
Get in Touch

Ready to make your
salary work harder?

Join the waitlist and be first to know when Earmark launches. Early members get lifetime premium access.

No spam. We'll only email you about launch updates.