Moneyhub's consumer app shuts on 14 August 2026 and user data is deleted at closure. Before then: get affected clients to export their transaction CSVs, capture current expenditure summaries for anyone with a near-term review, and pick a replacement data source. earmarkIQ's consumer app and adviser platform backend are live today — consented access and expenditure exports that work with Voyant now, with a direct feed planned. Register pilot interest here.
What's happening, in brief
Moneyhub has confirmed its consumer app closes on 14 August 2026 as the company concentrates on its enterprise business. For consumers the story is a migration to another aggregation app. For planning firms the story is different: Moneyhub was one of very few consumer tools whose data could underpin adviser workflows, and firms built processes around clients maintaining live bank connections there — whether data reached Voyant through a direct connection, through exports, or through clients reading figures across at review meetings.
Whatever the shape of your firm's arrangement, the common dependency is the same: clients holding active Moneyhub connections. From 14 August, those connections and the accumulated history behind them are gone. The specifics of any firm-level integration vary by agreement, so check Moneyhub's official guidance for your situation — but no firm should assume any client-side data survives the shutdown.
What planning firms actually lose
The expenditure baseline. The quietly valuable thing Moneyhub gave advice firms wasn't the app itself — it was months or years of categorised, real expenditure per client. That history is what let a Voyant base year rest on evidence rather than a client's guess. Once deleted, it cannot be rebuilt; a replacement app starts accumulating from the day the client connects.
The review-time shortcut. Firms using client Moneyhub data at annual review could skip the expenditure questionnaire entirely. Without a replacement, the alternative is the spreadsheet ritual — with all the guesstimation problems that we've written about separately.
Client habit. The hardest thing about client-side data collection is getting clients to adopt a tool at all. Your Moneyhub-using clients had already crossed that hurdle. The migration ask — "please connect your accounts to a new app" — is far easier while the habit is warm than after months of nothing.
The migration path: what to do this week
Get clients to export their history now
In the Moneyhub app: Transactions → cloud icon → CSV. This is the only permanent copy of multi-year expenditure history once the app closes. A two-line email to affected clients today protects years of data.
Capture expenditure summaries for near-term reviews
For any client with a review in the next six months, record their current category-level expenditure figures while the app still displays them. That preserves a usable base year for the next Voyant update even before a replacement is live.
Choose the replacement data source
The realistic options are: revert to questionnaires and bank statements (works, but reintroduces the guesswork), adopt another consumer aggregation app and have clients share summaries manually, or line up a purpose-built adviser data layer as it becomes available. Most firms will run a hybrid for a while.
Re-establish client connections before the habit fades
Whichever route you choose, aim to have clients connected to the replacement within weeks, not months. Every month without live connections is a gap in the expenditure record you'll be modelling from for years.
Where earmarkIQ fits — stated honestly
earmarkIQ's consumer app is live on iOS now. Clients can connect accounts at 50+ UK banks through read-only Open Banking (via Finexer, an FCA-authorised provider) and get automatic categorisation from day one — which means the expenditure record starts rebuilding immediately, even before any adviser features ship.
The adviser platform backend is live: client-controlled consent grants at category or transaction level, adviser recategorisation, and expenditure exports that work with any modelling tool today — including Voyant, Plan With Phoebe, CashCalc, FinCalc, Intelliflo and Truth. The adviser web dashboard is live — client list, categorised expenditure, exports and an audit log. A direct Voyant feed is planned, alongside Intelliflo — and we'd rather label that plainly than have a firm discover it mid-migration.
Clients connect to earmarkIQ now and grant consent, and the firm can export categorised expenditure straight away — while the history that direct feeds will draw on accumulates from day one. Register pilot interest to be contacted as places open.
FAQ
Rebuild the expenditure pipeline
Register pilot interest and we'll contact your firm as adviser access opens — client consent grants, shaped exports, and a planned Voyant feed.
Register pilot interest →Pilot places offered in registration order · Pricing available on request
Consumer switching instead? See our full Moneyhub alternative guide for the client-facing migration steps.