Moneyhub closes its consumer app on 14 August 2026. 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.
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 FCA Appointed Representative of Finexer, 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
FCA Appointed Representative 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.
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 | ✓ | ✓ |
| Payment Initiation (PIS) | ✗ | ✓ |
| Pension provider connections | ✓ | ✗ |
| Property/manual accounts | ✓ | ✗ (planned) |
| AI layer on top of data | ✗ | ✓ |
| Available after Aug 2026 | ✗ Shutting down | ✓ |
earmarkIQ also supports Payment Initiation Services (PIS) through Finexer. This means you can optionally authorise earmarkIQ to move money between your accounts — for example, automatically sweeping savings to a high-interest account on payday. Moneyhub’s consumer app was read-only and didn’t offer this.
Migration Guide: 3 Simple Steps
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 (launching iOS May 2026) 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 launching on iOS in May 2026. It is an FCA Appointed Representative of Finexer Ltd (FRN 925695) and ICO registered (CSN2001882). earmarkIQ provides Open Banking account aggregation (AIS) and Payment Initiation Services (PIS) across 50+ UK banks via Finexer, AI-powered salary allocation, subscription price creep detection, and a financial product marketplace. Website: earmarkiq.app
Bank-grade security, AI-powered insights
earmarkIQ connects to all your UK banks with the same security standards as Moneyhub — plus AI salary allocation, price creep detection, and an AI financial advisor.
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