Moneyhub's consumer app closes on 14 August 2026, taking its Open Banking bank connections with it. The direct replacement for the aggregation side is earmarkIQ — it connects 50+ UK banks through FCA-regulated Open Banking (via Finexer, FRN 925695) with read-only access, and it's free to download on the App Store now. For the full switching walkthrough, see our complete Moneyhub alternative guide.
Moneyhub closes its consumer app on 14 August 2026 — the deadline is days away. All Open Banking connections, account aggregation, and transaction data access will become unavailable. Your bank accounts themselves are unaffected — you just need a new app to view them together.
Financial adviser with clients who relied on Moneyhub data? See earmarkIQ for advisers — client-consented expenditure data for planning firms, with pilot access coming.
What Moneyhub Offered
Moneyhub was a pioneer in UK Open Banking, operating as an FCA-authorised Account Information Service Provider (AISP). It connected to UK banks, building societies, and credit card providers to aggregate all your financial accounts into a single view. Key capabilities included:
Multi-bank aggregation — See balances and transactions from all your banks in one place.
Transaction history — View and search across all accounts simultaneously.
FCA authorisation — Moneyhub held its own FCA authorisation as an AISP.
Read-only access — No ability to move money or make payments from your accounts.
earmarkIQ’s Open Banking
earmarkIQ provides the same core Open Banking capability through a partnership with Finexer (FCA firm reference 925695). earmarkIQ is an agent of Finexer Ltd, meaning all bank connections are fully regulated and compliant with UK Open Banking standards.
Read-Only Access (AIS)
earmarkIQ uses Account Information Services only. We can see your balances and transactions but cannot move money or make payments without separate authorisation.
FCA Regulated
agent of Finexer Ltd (FRN 925695). All bank connections are regulated under the Payment Services Regulations 2017.
256-Bit Encryption
All data is encrypted in transit and at rest using AES-256 encryption — the same standard used by UK banks themselves.
No Credential Sharing
You never share your bank login details with earmarkIQ. Authentication happens directly with your bank via their secure Open Banking gateway.
ICO Registered
earmarkIQ is registered with the Information Commissioner’s Office (CSN2001882) and fully compliant with UK GDPR.
No Data Selling
earmarkIQ never sells your financial data to third parties. Your data is used only to provide the earmarkIQ service to you.
Once connected, earmarkIQ does more with the data than a plain aggregator: AI transaction classification sorts every transaction automatically, and recurring payments are detected so you can see every subscription and any price rises in one place — see our UK subscription tracking guide for how that works.
Supported Banks
earmarkIQ connects to 50+ UK banks via Finexer, including all the major high street banks, digital banks, and building societies:
High street banks: Barclays, HSBC, Lloyds, NatWest, Santander, Halifax, Bank of Scotland, RBS, TSB, Nationwide.
Digital banks: Monzo, Starling, Revolut, Chase UK, Atom Bank.
Building societies: Yorkshire, Coventry, Skipton, Leeds, and more.
Credit cards: Amex, Barclaycard, MBNA, Capital One, and others.
Feature Comparison
| Feature | Moneyhub | earmarkIQ |
|---|---|---|
| FCA regulated | ✓ (Direct AISP) | ✓ (via Finexer) |
| Open Banking (AIS) | ✓ | ✓ |
| Read-only access | ✓ | ✓ |
| Multi-bank aggregation | ✓ | ✓ |
| 50+ UK banks supported | ✓ | ✓ |
| 256-bit encryption | ✓ | ✓ |
| No credential sharing | ✓ | ✓ |
| Pension provider connections | ✓ | ✗ |
| Property/manual accounts | ✓ | ✗ (planned) |
| AI layer on top of data | ✗ | ✓ |
| Available after Aug 2026 | ✗ Shutting down | ✓ |
earmarkIQ uses read-only Open Banking access (AIS) through Finexer. It can see your balances and transactions to build your payday allocation plan, but it cannot move money or make payments from your accounts.
Migration Guide: 3 Simple Steps
These are the essentials for moving your bank connections. For the complete walkthrough — including what to export before the shutdown and what carries over vs what starts fresh — see our full Moneyhub migration guide.
Note which banks you had connected to Moneyhub
Before 14 August 2026, make a list of all the bank accounts, credit cards, and savings accounts you had connected in Moneyhub. This makes reconnecting in earmarkIQ quick and easy.
Sign up for earmarkIQ and connect your banks
Download earmarkIQ from the App Store and connect each bank account via Open Banking. The process is the same as Moneyhub — select your bank, authenticate with your bank’s app, and authorise read-only access.
Revoke Moneyhub’s access
After you’ve migrated to earmarkIQ, revoke Moneyhub’s Open Banking permissions via each bank’s app or website. Most banks have this under Settings > Connected Apps or Third-Party Access.
About earmarkIQ
earmarkIQ is a UK personal finance app, available now on iOS. It is acting as an agent of Finexer Ltd (FRN 925695), which is authorised by the Financial Conduct Authority as an Authorised Payment Institution, and is ICO registered (CSN2001882). earmarkIQ provides Open Banking account aggregation (AIS) across 50+ UK banks via Finexer, AI-powered salary allocation, and subscription price creep detection. Website: earmarkiq.app
Reconnect your banks before 14 August
earmarkIQ connects to all your UK banks with the same regulated Open Banking standards as Moneyhub — plus AI salary allocation planning, subscription detection, and an AI financial advisor.
Download Free on the App StoreFree tier available · Agent of Finexer Ltd (FRN 925695)