All your money.
One calm number.
Moneta brings your bank accounts, cards, crypto and trading accounts together and tells you exactly what's safe to spend until payday.
Less spreadsheet.
More clarity.
Built in the UK for people with more than one account, a side hustle, a family to budget for, or a portfolio to keep an eye on.
Safe-to-spend until payday
Your next pay date, bills still to come and what you've already spent, turned into one number you can trust. Budgets warn you when you're spending faster than the month.
Every bank, one view
Connect 2,000+ UK & EU banks through Yapily, an FCA-authorised open-banking provider, or import a CSV statement from any bank.
Subscription radar
Moneta spots recurring payments automatically and shows what they cost you a year.
Crypto, read-only
Connect exchanges with read-only API keys. Withdrawal permissions are always rejected.
Forex & prop-firm tracker
Track balance, equity and drawdown from daily or monthly statements, with clear limits.
Family money
Pocket money, chores and savings goals for kids, plus shared spaces for the household.
Split bills, settle up
Split a bill in seconds and keep track of who owes whom, without anyone sending money through us.
Money pressure, at a glance
Every mortgage, rent, card, loan, car finance, BNPL, phone contract and insurance in one register. A traffic-light gauge shows how much of your income they take and flags trouble early: living in the overdraft, minimum payments, payday loans, payments slipping.
Can I afford it?
New phone, car on PCP or HP, a loan: see the full cost of each way to pay side by side, and what the monthly payment does to your budget, before you sign. Numbers, not sales pitches.
Renewal radar
Car and home insurance renewals, fixed-rate mortgage ends, phone contracts and 0% card offers, with a heads-up well before the date.
Payoff planner
Snowball vs avalanche, an extra-payment slider and your debt-free date, plus an educational credit-health estimate.
Help when it's hard
Priority bills explained, Breathing Space, an income & expenditure statement and creditor letter templates as PDF, plus one-tap access to free advisers like StepChange.
Your bank, your consent.
Connecting takes about a minute. You approve everything at your own bank, and Moneta only ever gets read-only access.
Open Add account
In Moneta go to Accounts → Add account → Connect a bank and search for your bank.
Check what's shared
Moneta shows exactly what it can see: account names, balances and transactions. Read-only, nothing else.
Approve at your bank
Your bank's own login opens (Face ID in your banking app or on its website). Moneta never sees your password.
Done, synced
You're returned to Moneta with up to 2 years of transactions. Balances refresh every time you open the app.
Powered by Yapily, FCA-authorised open banking
Bank connections are provided by Yapily Connect Ltd, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN 827001) for account information services. Yapily connects to your bank on your behalf and passes your data straight to your iPhone. See Yapily's End User Terms and Privacy Notice.
United Kingdom
Europe
Bank names are trademarks of their owners and are shown only to indicate coverage. Moneta isn't affiliated with or endorsed by them. Bank not listed? Import a CSV statement instead.
Bank connections expire. That's by design.
Under UK and EU open-banking rules, your consent for Moneta to read your account normally lasts up to 90 days. Some banks end it sooner, for example after a password change or a new card. When access expires, syncing pauses until you re-authorise the connection in Moneta (Settings → Linked connections → Reauthorize). Your existing history stays safe on your device. Learn more about bank connections →
Read-only. Always.
We can't move your money
Moneta only has permission to read data. It can't make payments, transfer money or change anything at your bank.
Data stays on your device
Your financial data is stored on your iPhone, with Face ID app lock. No ads, and we never sell your data.
Delete in one tap
Export everything as CSV or delete your account and data from Settings at any time.
UK GDPR
Operated by AnnMar Limited in England. You have full rights over your data.
Help, not advice
If we spot signs of money stress, we point you to free, FCA-regulated help: StepChange, MoneyHelper, PayPlan.
Pay once. Keep it forever.
No subscription. Try every feature free for 3 days, then unlock Moneta for life with one in-app purchase.
Starts the first time you open Moneta. Nothing to cancel, and no card needed.
- Every feature unlocked
- Bank, crypto & trading accounts
- Family money & split bills
Pay once, with no renewals. Family Sharing included.
- All current features, forever
- Future updates included
- Restore on any of your devices
- Share with up to 5 family members
Price shown in GBP including VAT. Your local App Store price may differ. Payment is charged to your Apple ID and handled by Apple. See our Terms and Apple's Standard EULA.
Good to know.
Is Moneta a bank?
No. Moneta is a money-tracking app. It never holds, moves or invests your money, and it is not covered by the FSCS. Bank data is accessed read-only through Yapily Connect Ltd, an FCA-authorised account information service provider (FRN 827001).
Which banks can I connect?
Almost every UK bank, building society and credit card that supports open banking (Barclays, HSBC, Lloyds, NatWest, Santander, Nationwide, Monzo, Starling, Revolut and many more), plus over 2,000 banks across Europe. If yours isn't listed, upload a CSV statement.
Why do I need to reconnect my bank?
Open-banking consent normally lasts up to 90 days, and your bank can end it earlier. When that happens, Moneta asks you to re-authorise at your bank. It takes about 20 seconds and keeps you in control. Details.
Does the Plan tab tell me what to do with my debts?
No. It shows calculations: what each option costs, how much of your income goes to credit, payoff timelines and the facts about credit files and priority bills. Letter templates are starting points you edit and send yourself. Choosing a debt solution is regulated advice, so Moneta puts free, FCA-regulated advisers one tap away instead.
Does Moneta give financial advice?
No. Insights, budgets and alerts are information only. For decisions about borrowing, investing or debt, speak to a regulated adviser. For free debt help, try StepChange or MoneyHelper.
What happens after the 3-day trial?
Moneta asks you to unlock Lifetime to keep using it. Your data stays on your device. If you've already bought Lifetime, tap "Restore purchases".
How do I delete my data?
In the app: Settings → Data & privacy → Delete my account & data. Or see this page.