Monvio
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Every account.
Every currency.
One clear picture.

Monvio brings your banks, cards, investments and property into one live view — with AI-powered insights that show the evidence behind every number.

We’ll only use your email for early-access updates. Privacy

  • Read-only bank connections
  • Best-in-class authentication
  • Personal data never sold
9:41 OVERVIEW Net worth £190,260 £2,260 · 1.2% this week £ GBP $ USD € EUR Apr May Jun Jul Latest insight AI Your investments gained £432 this week — most of it from US tech gains. Tap any figure to see the evidence → Accounts 12 linked Revolut Everyday Current · GBP £2,140 +£95 this week American Express Credit card · GBP −£680 balance owed HSBC Savings · GBP £8,400 +£60 this week Home Property · GBP £340,000 −£186,000 mortgage
9:41 What changed Week ▾ ‹ 8 – 14 Jul 2026 › +£2,260 +1.2% £188.0K → £190.3K 8 Jul 21:24 → 14 Jul 09:41 · live Price moves at constant FX · £150 new money excluded Income +£2,940 › Spending −£1,180 › Market moves +£432 › FX impact +£58 › Other changes +£10 › Passive income +£432 8 – 14 Jul 2026 Investment P&L +£432 · Interest +£0.00 Ask Monvio
9:41 Where your money sits By type Property 90% £340.0K Investments 7% £26.4K £ Savings 2% £8.4K Current Account 1% £2.1K Credit Card −£0.7K Mortgage −£186.0K Every line opens the accounts behind it By currency £ GBP 93% of net worth £177,560 $ USD 6% of net worth $16,000 € EUR <1% of net worth €890 £1 = $1.34 · £1 = €1.17 · priced live
9:41 Investments PORTFOLIO VALUE £26,400 +£330 (1.27%) today Prices updated with live market data Cash £1,240 Positions 11 Concentration risk NVDA is 34% of your portfolio Top-impact holdings Largest positions N NVDA NVIDIA Corp · 66 units £8,980 Interactive Brokers V VWRL Vanguard FTSE All-World £6,020 Global Index ISA M MSFT Microsoft Corp · 8 units £2,710 Interactive Brokers
9:41 Notifications ‹ Mark all read Duplicate charge: £13.98 Two identical £6.99 charges left your Everyday Current account today for StreamMax. Please check for billing errors. 2h Today: up 0.16% to £190,260 Your net worth rose £301 — markets +£248, led by your Global Index ISA (+£176), FX +£82, less £29 at Kanpai Sushi. 6h New income: £2,940 Salary arrived on your Everyday Current account. 1d Today: down 0.19% as markets fell Net worth fell £361, driven by market losses of £302, exchange-rate moves of −£41, and £18 of spending. Tap for the breakdown. 2d Monvio replied Based on your recurring charges over the last 6 months, three subscriptions overlap… 2d
9:41 Notification ‹ Today: Net worth down 0.19% as markets fell Net worth fell £361 (−0.19%). This was driven by market losses of £302, exchange-rate moves of −£41, and £18 of spending. What changed Global Index ISA −£208 Market movement −£208 VWRL — Vanguard FTSE All-World −£134 Global Small-Cap Index −£74 Interactive Brokers −£135 USD slipped 0.3% vs GBP −£41 Market movement −£94 NVDA — NVIDIA Corp −£61 MSFT — Microsoft Corp −£33 Everyday Current −£18 Kanpai Sushi −£11.20 Fern & Ivy Coffee −£6.80
9:41 Recurring Payments ‹ 12 recurring payments Estimated total per month ≈£495/mo Council Tax Monthly · Next: ~1 Aug · 6 times £171.00 ≈£171/mo StreamMax Monthly · charged ×2 today £6.99 ≈£7/mo City Gym Monthly · Next: ~28 Jul · 9 times £32.00 ≈£32/mo Everline Energy Monthly · Next: ~3 Aug · 12 times £138.00 ≈£138/mo Pay At Pump Fortnightly · Next: ~19 Jul · 2 times £48.60 ≈£105/mo Cloud Vault Monthly · Next: ~30 Jul · 14 times £2.99 ≈£3/mo
9:41 Monvio Chat Why was June so expensive? June came to £7,820 — but £5,200 of it was one-off. Your bathroom refit (£3,900) and the Crete trip (£1,300) drove it. Day-to-day spending was £40 under your 6-month average. ⛓ SOURCES BUILDRIGHT BATHROOMS · £3,900 AEGEAN ESCAPES · £1,300 Track the refit as its own category? Yes — track it separately No, keep it in Home Show all June one-offs or type your own answer below Ask about your money…
9:41 Monvio Chat Am I on track this month? You've spent £1,430 by day 14 — £150 under your usual pace. Groceries and transport are under; dining (£96) is running £24 over. At this rate July lands near £2,510 vs £2,660 typical. ⛓ SOURCES SPENDING PACE · JULY DINING · 12 TXNS Every figure opens the transactions behind it. Want a pace alert when a category runs over? Yes — check in weekly Only if I go over No thanks or type your own answer below Ask about your money…
9:41 Monvio Chat Roast my spending. £86.40 at Dumpling Republic in one sitting. That's not dinner — that's a hostage situation for your budget. ⛓ SOURCES DUMPLING REPUBLIC · £86.40 What was the strategy at the buffet? Eat my weight in dumplings Hide from my bank statement ✓ It was a special occasion It was a special occasion A special occasion — like the other three takeaways this week (£63.20)? Your kitchen misses you. It told me. TAKEAWAYS ×3 · £63.20 Ask about your money…

Illustrative data

How it works

Three steps to a picture you can act on.

  1. Connect your accounts

    Link your UK banks securely through open banking, plus credit cards and investment brokers. A few minutes, once.

  2. See everything, together

    One true net worth across GBP, USD, EUR and more — spending and investments in a single live picture.

  3. Understand your spending

    Ask about your money and spending. Every figure Monvio cites comes from your own ledger — tap it to see the evidence.

Everything in one place

Scattered across banks, brokers and cards.
Seen clearly in one place.

Current accounts next to credit cards, a brokerage in dollars next to savings in pounds — connected once, updated continuously, and rolled into one true net worth. Live prices for stocks and ETFs mean your net worth is now, not yesterday.

UK banks

Connected securely through open banking — current accounts, savings and cards, synced automatically.

Credit cards

Card spending tracked automatically and categorised, side by side with everything else.

Investments

Stocks, ETFs and full portfolios from eToro, Interactive Brokers, and dozens more brokerages — with live market prices through the day.

Spending insights

Where your money actually goes — categories, merchants and trends, drawn from your real transactions.

True multi-currency

GBP, USD, EUR and more — one net worth, honestly converted, with each account in its own currency.

Property & other assets

Add your home and anything else you own — all your assets in one picture, one app instead of five.

One net worth across £ GBP $ USD € EUR and more

Ask Monvio AI

AI answers you don’t have to take on faith.

Ask about your spending and get an answer grounded in your own data. Every figure carries its evidence: tap it and see the exact accounts and transactions behind it.

  • LLM for words, ledger for numbers. The AI explains; your actual data does the maths.
  • Evidence on every figure. No number appears without a drill-down to its source.
  • Your accounts, not averages. Answers come from your ledger, not generic tips.
Ask Monvio about your money Grounded in your connected accounts. Every figure links to the data behind it.
🛒 How much did I spend on groceries last month?
Monvio insights
You spent on groceries in June, across 19 transactions — about 9% less than in May.

Evidence · Groceries · June

TescoRevolut · 12 Jun£52.30
WaitroseRevolut · 18 Jun£34.10
Sainsbury’sRevolut · 21 Jun£28.75

…and 16 more transactions. Every cited figure traces to source.

Illustrative data

📺 How much do I pay for streaming subscriptions?
Monvio insights
Five services: Netflix, Disney+, StreamMax, Prime Video and NOW — a month, about £503 a year. Netflix, Disney+ and StreamMax overlap heavily in what they offer.

Evidence · Subscriptions · June

NetflixRevolut · 4 Jun£10.99
Disney+Revolut · 9 Jun£7.99
StreamMaxRevolut · 12 Jun£6.99
Prime VideoAmex · 3 Jun£5.99
NOWRevolut · 15 Jun£9.99

5 charges in June, ≈£503 a year. Monvio reports what it sees — what you do about it is yours.

Illustrative data

The fun one

🔥 Roast my spending.
Roast mode
£217 on coffee in June — your espresso machine watches in silence. Three different delivery apps in one week (£87.40) is a lifestyle, not a lapse.

Sources · Coffee ×14 — £217 · Delivery apps ×3 — £87.40

Sharp but affectionate — every jab cites the exact charges behind it, and it never tells you what to do.

Illustrative data

AI across the app

Know what changed — and why.

A weekly What changed digest reconciles your money line by line — income, spending, markets, currencies. Notifications name the reason, down to the holding. And every figure links to the data behind it — scroll through the app below.

9:41 What changed Week ▾ ‹ 8 – 14 Jul 2026 › +£2,260 +1.2% £188.0K → £190.3K 8 Jul 21:24 → 14 Jul 09:41 · live Price moves at constant FX · £150 new money excluded Income +£2,940 › Spending −£1,180 › Market moves +£432 › FX impact +£58 › Other changes +£10 › Passive income +£432 8 – 14 Jul 2026 Investment P&L +£432 · Interest +£0.00 Ask Monvio
Your week, reconciled line by line Illustrative data
9:41 Notifications ‹ Mark all read Duplicate charge: £13.98 Two identical £6.99 charges left your Everyday Current account today for StreamMax. Please check for billing errors. 2h Today: up 0.16% to £190,260 Your net worth rose £301 — markets +£248, led by your Global Index ISA (+£176), FX +£82, less £29 at Kanpai Sushi. 6h New income: £2,940 Salary arrived on your Everyday Current account. 1d Today: down 0.19% as markets fell Net worth fell £361, driven by market losses of £302, exchange-rate moves of −£41, and £18 of spending. Tap for the breakdown. 2d Monvio replied Based on your recurring charges over the last 6 months, three subscriptions overlap… 2d
Notifications that name the reason Illustrative data
9:41 Notification ‹ Today: Net worth down 0.19% as markets fell Net worth fell £361 (−0.19%). This was driven by market losses of £302, exchange-rate moves of −£41, and £18 of spending. What changed Global Index ISA −£208 Market movement −£208 VWRL — Vanguard FTSE All-World −£134 Global Small-Cap Index −£74 Interactive Brokers −£135 USD slipped 0.3% vs GBP −£41 Market movement −£94 NVDA — NVIDIA Corp −£61 MSFT — Microsoft Corp −£33 Everyday Current −£18 Kanpai Sushi −£11.20 Fern & Ivy Coffee −£6.80
Tap any alert for the exact cause Illustrative data
9:41 Investments PORTFOLIO VALUE £26,400 +£330 (1.27%) today Prices updated with live market data Cash £1,240 Positions 11 Concentration risk NVDA is 34% of your portfolio Top-impact holdings Largest positions N NVDA NVIDIA Corp · 66 units £8,980 Interactive Brokers V VWRL Vanguard FTSE All-World £6,020 Global Index ISA M MSFT Microsoft Corp · 8 units £2,710 Interactive Brokers
Every account, one portfolio — with risk warnings Illustrative data
9:41 Where your money sits By type Property 90% £340.0K Investments 7% £26.4K £ Savings 2% £8.4K Current Account 1% £2.1K Credit Card −£0.7K Mortgage −£186.0K Every line opens the accounts behind it By currency £ GBP 93% of net worth £177,560 $ USD 6% of net worth $16,000 € EUR <1% of net worth €890 £1 = $1.34 · £1 = €1.17 · priced live
All of it, in one place — every currency, priced live Illustrative data
9:41 Recurring Payments ‹ 12 recurring payments Estimated total per month ≈£495/mo Council Tax Monthly · Next: ~1 Aug · 6 times £171.00 ≈£171/mo StreamMax Monthly · charged ×2 today £6.99 ≈£7/mo City Gym Monthly · Next: ~28 Jul · 9 times £32.00 ≈£32/mo Everline Energy Monthly · Next: ~3 Aug · 12 times £138.00 ≈£138/mo Pay At Pump Fortnightly · Next: ~19 Jul · 2 times £48.60 ≈£105/mo Cloud Vault Monthly · Next: ~30 Jul · 14 times £2.99 ≈£3/mo
Recurring payments, found — and predicted Illustrative data
9:41 Monvio Chat Why was June so expensive? June came to £7,820 — but £5,200 of it was one-off. Your bathroom refit (£3,900) and the Crete trip (£1,300) drove it. Day-to-day spending was £40 under your 6-month average. ⛓ SOURCES BUILDRIGHT BATHROOMS · £3,900 AEGEAN ESCAPES · £1,300 Track the refit as its own category? Yes — track it separately No, keep it in Home Show all June one-offs or type your own answer below Ask about your money…
Ask why — the answer comes with receipts Illustrative data
9:41 Monvio Chat Am I on track this month? You've spent £1,430 by day 14 — £150 under your usual pace. Groceries and transport are under; dining (£96) is running £24 over. At this rate July lands near £2,510 vs £2,660 typical. ⛓ SOURCES SPENDING PACE · JULY DINING · 12 TXNS Every figure opens the transactions behind it. Want a pace alert when a category runs over? Yes — check in weekly Only if I go over No thanks or type your own answer below Ask about your money…
Budgeting without the spreadsheet — pace, not guilt Illustrative data
9:41 Monvio Chat Roast my spending. £86.40 at Dumpling Republic in one sitting. That's not dinner — that's a hostage situation for your budget. ⛓ SOURCES DUMPLING REPUBLIC · £86.40 What was the strategy at the buffet? Eat my weight in dumplings Hide from my bank statement ✓ It was a special occasion It was a special occasion A special occasion — like the other three takeaways this week (£63.20)? Your kitchen misses you. It told me. TAKEAWAYS ×3 · £63.20 Ask about your money…
“Roast my spending” — a real conversation, with receipts Illustrative data

Want this picture of your own money? We onboard in small waves — grab a spot.

Request early access

Security & privacy

Security you can hold us to.

Your bank connections use open banking, your data is encrypted at rest, and we honour your rights under UK GDPR.

Best-in-class authentication

Your account is protected with modern, industry-leading sign-in security.

Encrypted at rest

Your data is sealed with strong encryption at rest.

Your data, your call

Your rights under UK GDPR — export or delete your data anytime.

Never sold

We never sell your personal data — no data brokers, no advertisers.

Fair questions

The questions we’d ask too

How does Monvio connect to my accounts?
UK banks connect through open banking, and you authorise access directly with your bank. Investment brokers connect through their official data connections, and you can add property and other assets yourself. Wherever credentials are involved, they’re encrypted at rest. Monvio is not a bank.
What happens to my data?
We honour your rights under UK GDPR. Your data stays yours — you can delete it anytime, and we never sell it. See our privacy policy for the details.
Do you sell my data?
No. Your personal data is never sold. On the waitlist, your email is used only for early-access updates — see our privacy policy.
How do I know the AI’s answers are right?
Because you can check them. The language model writes the words, but every number is computed from your actual ledger — and every figure is evidence-linked: tap it and see the exact accounts and transactions behind it.
Why is Monvio invite-only?
We’re in early access and onboard in small waves, so every new member gets a properly supported start. Join the waitlist and we’ll email your invite when your wave opens.
When do invites go out?
In small waves as we grow. Waitlist order matters — earlier requests get earlier invites.
Which devices will Monvio support?
Monvio runs on iOS, Android and the web.

Early access

We onboard in small waves.

Monvio is invite-only while we get early access right. Leave your email — when your wave opens, your invite is in your inbox.

We’ll only use your email for early-access updates. Privacy

  • Read-only bank connections
  • Best-in-class authentication
  • Personal data never sold

Have an invite? Sign in →