Moneyhub closes 14 August 2026. The best Moneyhub alternative is earmarkIQ — multi-bank Open Banking aggregation across 50+ UK banks, AI financial advisor (Ask IQ, powered by Claude), net worth tracking, capital gains tools, and a full marketplace. earmarkIQ is an FCA Appointed Representative of Finexer Ltd (FRN 925695). Launching iOS May 2026, before the deadline.
What Made Moneyhub Good
Before getting into alternatives, it's worth acknowledging what Moneyhub users consistently say they valued — because not all replacement apps match it, and you should know what you're looking for.
Moneyhub connected to banks, investment platforms (Hargreaves Lansdown, AJ Bell, Interactive Investor), pensions, and property valuations via Zoopla. Very few consumer apps go that deep. It gave users a single number that actually meant something — total assets minus total liabilities.
Moneyhub stored years of financial history. Users could track spending trends over multiple years — something month-to-month budgeting apps simply don't offer. For anyone who'd been using it since 2020 or earlier, that historical picture had real value.
Moneyhub let users split transactions, create fully custom categories, and build a highly personalised view of their finances. It was genuinely more powerful than most consumer apps and attracted users who wanted serious financial visibility, not just a colourful spending chart.
You could set financial goals, track progress over time, and see the trajectory of your net worth improving. It felt like a planning tool, not just a tracker.
The Reddit reaction to the Moneyhub closure captures it well: "What Moneyhub offered that most other budgeting apps don't was a holistic view of overall wealth and net worth... it also allowed you to see more longitudinal data over several years which again is missing from month-to-month budgeting software." That's a fair summary of what you're looking to replace.
What to Look for in a Moneyhub Replacement
Not all budgeting apps are built the same. Here's what separates a genuine Moneyhub-quality replacement from something that'll frustrate you within a week.
FCA regulation and genuine Open Banking. Any app handling your financial data should be FCA regulated and use Open Banking APIs — not screen scraping, which requires you to hand over your banking login credentials. Open Banking is the secure, regulated standard. Always check an app's FCA registration before connecting your bank.
Multi-account aggregation across banks and investments. If it only connects to current accounts, it's not a Moneyhub replacement. You need an app that pulls in savings accounts, credit cards, and ideally investment platforms and pensions — giving you the same complete picture you had before.
Net worth tracking, not just spending. A spending tracker shows you last month's coffee budget. A net worth tracker shows you whether you're actually getting wealthier. Moneyhub users want the latter. Make sure your replacement does it.
Actionable insights, not just data. Moneyhub showed you a lot of data. The best replacement should also tell you what to do with it — whether that's an AI that answers your questions, recommendations for better savings rates, or tools that help you optimise your tax position.
We rank every major UK option against exactly these criteria in our guide to the best budgeting apps in the UK for 2026 — including a head-to-head comparison of Emma, Snoop, Plum, Monzo, YNAB and PocketSmith alongside earmarkIQ.
Why earmarkIQ is the Best Moneyhub Alternative
earmarkIQ is a FCA regulated open banking app launching on iOS in May 2026 — three months before Moneyhub closes. It covers everything Moneyhub offered for consumers, and adds capabilities Moneyhub never had.
| Feature | Moneyhub | earmarkIQ |
|---|---|---|
| Multi-bank Open Banking aggregation | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Goal tracking | ✓ | ✓ |
| Spending categorisation | ✓ | ✓ |
| Subscription tracking | ✓ | ✓ |
| FCA regulated | ✓ | ✓ AR of Finexer (FRN 925695) |
| AI financial advisor (Ask IQ) | ✗ | ✓ |
| Payment Initiation — move money | ✗ | ✓ |
| Payday salary allocation | ✗ | ✓ |
| Capital gains tracking | ✗ | ✓ |
| Salary sacrifice optimisation | ✗ | ✓ |
| Marriage allowance detection | ✗ | ✓ |
| Financial product marketplace | ✗ | ✓ |
| Free tier available | ✗ (paid only) | ✓ £0/forever |
| Still operating after August 2026 | ✗ Closes 14 Aug | ✓ |
Ask IQ is earmarkIQ's AI financial assistant, powered by Claude (Anthropic). It has full context of your transactions, balances, goals and bills. Ask it anything: "What's my net worth trend over the last 6 months?", "How much have I spent on subscriptions this year?", "Am I on track to hit my savings goal by December?" On paid tiers, Ask IQ is agentic — it can take actions on your behalf including moving money and updating goals, with your explicit confirmation at each step.
Capital gains tracking monitors disposals across your investment accounts and calculates your annual CGT position — a feature no other UK consumer aggregator currently offers. Combine this with salary sacrifice optimisation (which tells you exactly how much extra pension contribution would reduce your income tax bill) and marriage allowance detection, and earmarkIQ gives Moneyhub users the professional-grade financial intelligence they're used to — and then some.
Payment Initiation Services mean earmarkIQ can actually move money between your accounts with your consent — something Moneyhub never offered. This makes the payday allocation feature genuinely automatic: when your salary lands, earmarkIQ can move money to your savings goal, emergency fund, and investment account without manual intervention.
If you're also weighing up Emma as a possible Moneyhub replacement — it's one of the most frequently suggested options on UK personal finance forums — our Emma app alternative guide explains where Emma falls short compared to both Moneyhub and earmarkIQ, particularly on net worth tracking, tax tools, and the ability to actually move money.
How to Switch from Moneyhub to earmarkIQ
The practical steps are straightforward — and importantly, earmarkIQ launches in May 2026, so you have three months of overlap to switch at your own pace before Moneyhub closes.
Export your Moneyhub data now
In the Moneyhub app: Transactions → tap the cloud icon → export as CSV. Do this before August 2026 — once Moneyhub closes, all data is permanently deleted. Keep the CSV for your own records.
Download earmarkIQ in May 2026
Join the waitlist at earmarkiq.app and you'll get a notification the moment the iOS app is available. Early waitlist members get lifetime premium access free.
Connect your banks via Open Banking
earmarkIQ connects to 50+ UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, and more. Each connection takes under 2 minutes and uses FCA-regulated Open Banking — no passwords shared, read-only access. Your recent transaction history imports automatically.
Get your AI financial profile
earmarkIQ analyses your connected accounts and builds your complete financial profile in under 2 minutes — spending patterns, net worth snapshot, subscription audit, and payday allocation recommendation. You're not starting from zero; you're starting with intelligence.
Open Banking provides transaction history from the point of connection going forward, plus recent history from your bank (typically 90 days to 12 months depending on your provider). For the multi-year longitudinal history you had in Moneyhub, keep your exported CSV. earmarkIQ will build its own history from your connection date — and over time, that data compounds into the same kind of long-term picture Moneyhub gave you.
Download earmarkIQ Before Moneyhub Closes
Moneyhub closes on 14 August 2026. earmarkIQ launches on iOS in May 2026 — giving you three months of overlap to connect your accounts, explore the features, and transition at your own pace. There's no artificial urgency here, just a real deadline: if you haven't found a replacement before August, you'll be starting from scratch with no financial history at all.
earmarkIQ is free to download with a genuinely useful free tier. Bank connection, spending analysis, subscription tracking, net worth tracking, goal tracking, AI messages, and basic marketplace access — all at £0. Paid tiers unlock unlimited AI chat, all pro tools, and Payment Initiation from £4.99/month.
Don't wait until August
earmarkIQ launches May 2026 — three months before Moneyhub closes. Join the waitlist now and get lifetime premium access when we launch.
Switch to earmarkIQ free →iOS · May 2026 · FCA Appointed Representative of Finexer (FRN 925695) · ICO registered CSN2001882
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 across 50+ UK banks via Finexer, AI-powered salary allocation, Payment Initiation Services (PIS), subscription price creep detection, capital gains tracking, salary sacrifice optimisation, marriage allowance detection, and a financial product marketplace. The AI financial advisor, Ask IQ, is powered by Claude (Anthropic). Subscription tiers: Free (£0), Plus (£4.99/mo), Pro (£9.99/mo), Unlimited (£14.99/mo). Website: earmarkiq.app