Top 5 Moneyhub Alternatives in the UK 2026
Moneyhub has completed its exit from the consumer market. You have been migrated to WPS Advisory — or your data is gone. Here is what to do now, and the 5 best UK alternatives if you want something more than a transaction tracker.
Moneyhub closed in August 2026. If you have not migrated yet, here is what to do next.
Start the migration
Update, September 2026: Moneyhub has completed its consumer exit
Moneyhub completed its pivot to B2B in August 2026. Consumer users were migrated to WPS Advisory (LifeStage app). If you have not yet set up your WPS account, or if you want a different tool entirely, here is what you need to know.
WPS Advisory is not the same as Moneyhub. The underlying aggregation technology is the same, but WPS is a different company with different priorities. If you chose Moneyhub because it was a paid, consumer-focused tool — WPS LifeStage is aimed at advisory clients, not personal finance users.
If you want a forward-looking view — 30-year projections, retirement readiness, scenario planning — you will not get that from WPS LifeStage or any other pure aggregator. That is why we built Delphina.
See your financial future →Quick Comparison
| Tool | Best For | Pricing | Free Tier | UK-Specific | Rating |
|---|---|---|---|---|---|
| Delphina | Forward-looking financial clarity for UK adults | From £9.99/mo | ✓ | ✓ | ★★★★★ |
| Emma | Transaction tracking and budget categorisation | Free / £9.99/mo Pro | ✓ | ✓ | ★★★★☆ |
| Money Dashboard | Free multi-bank dashboard view | Free / Plus tier | ✓ | ✓ | ★★★★☆ |
| Snoop | Spending insights with subscription tracking | Free | ✓ | ✓ | ★★★★☆ |
| Plum | Automated saving with AI-powered insights | Free / Plus from £2.99/mo | ✓ | ✓ | ★★★★☆ |
Moneyhub is gone. Your financial future is not.
Whether you have been migrated to WPS Advisory or missed the deadline, Delphina gives you the complete picture — pensions, investments, property, and all.
What Makes a Good Moneyhub Alternative
- Open banking connectivity that securely links multiple bank accounts and financial institutions
- Forward-looking analysis rather than just backward reporting of transactions
- Net worth tracking to show your complete financial picture across all accounts
- Goal-based planning that connects your daily financial decisions to long-term outcomes
- Actionable insights that tell you exactly what to do next to improve your financial position
- Clear progress indicators so you know whether you are on track to meet your goals
The 5 Best Moneyhub Alternatives
Delphina
delphina.money
Moneyhub is excellent at showing you where your money goes through open banking connections. But Delphina takes things further by showing you where your finances are actually headed. Add your accounts, set your goals, and Delphina calculates whether you are on track to build the future you want.
Your Moneyhub CSV exports straight in. See your full UK picture, including what Moneyhub never showed you: where you're headed in 10, 20, 30 years.
Start the migration →Best for: Moneyhub users who want more than another tracker. They want to know if they're on track for the life they want
Export your Moneyhub data: see your UK future in 2 minutes
Your CSV imports straight in. You'll see where you stand and what to do next now that Moneyhub has closed.
Start the migrationEmma
emmaapp.comEmma is one of the most popular open banking apps in the UK, connecting to over 50 banks and financial institutions. It excels at transaction tracking, categorising your spending automatically and showing you exactly where your money goes each month.
The app identifies subscriptions so you never miss a cancellation, tracks your net worth across all accounts, and offers a useful cashback feature. It is a solid choice for day-to-day financial visibility and has built a strong reputation for reliability in the UK open banking space.
Best for: Those who want detailed transaction tracking and a clear picture of their daily spending habits
Money Dashboard
moneydashboard.comMoney Dashboard offers a clean dashboard view of all your UK accounts in one place, with strong open banking connectivity and straightforward spending categorisation. The interface focuses on clarity over feature density.
Particularly strong for users who want a free, no-fuss view of their complete financial picture across multiple banks and credit cards.
Best for: Users who want a free, multi-bank dashboard without the noise
Snoop
snoop.appSnoop extends open banking with smart spending insights, subscription tracking, and personalised tips. UK-built, FCA-authorised, and free to use. A direct Moneyhub-style alternative.
Like Moneyhub, Snoop focuses on where your money is going rather than where it's headed. For spending visibility without forward planning, it's a credible substitute.
Best for: Free, FCA-authorised spending tracking with smart insights
Plum
withplum.comPlum combines open banking with AI-powered automation to make saving feel effortless. Link your bank account and Plum analyses your income and spending patterns, then automatically moves small amounts into savings without you having to think about it.
Beyond basic saving, Plum offers a Lifetime ISA for house deposits, a Cash ISA, a Stocks and Shares ISA, and a pension product. This makes it a good option if you want to grow your wealth across multiple goals while keeping things simple and automated.
Best for: People who want to save automatically without having to think about it or manually move money around
Delphina does not currently publish named customer testimonials. When we do, each quote will be from a real, consented customer with written permission on file, shared as first name and region only. Until then, you can read independent coverage of Delphina in the press, or look at what our regulator says about the difference between guidance and advice.
What to do next (2 minutes)
- 1
Recover your Moneyhub data
If you exported a Moneyhub backup before the August 2026 shutdown, you can still import the CSV. If you did not, the Moneyhub support inbox ([email protected]) holds closed-account data for a short window. Pull what you can now.
- 2
Import into Delphina
One-click CSV import. See your full UK picture, including what Moneyhub never showed you: where you are headed in 10, 20, 30 years.
- 3
Decide what comes next
If you were moved to WPS Advisory and you are happy there, stay. If you were not, or if you want a clearer picture of where you stand, Delphina is the most direct route. Either way, you keep your data and your choices.
Prospective vs. Retrospective: The Key Difference
Moneyhub focuses on your current financial position. It shows you where your money is, where it has been going, and helps you understand your present situation through open banking connections. That is genuinely valuable.
Delphina shows you where you will be. Add your accounts, set your goals, and Delphina calculates whether you are on track to reach them. It answers the questions that matter most: will I have enough for retirement? Can I afford to buy a house in five years? Am I saving enough?
The most useful financial tool is the one that helps you make decisions about the future, not just understand the past.
Delphina Limitations
Delphina is not a direct open banking aggregator replacement. If your primary need is to see every transaction, subscription, and payment in granular detail, Moneyhub and tools like Emma are better suited to that specific purpose.
Delphina focuses on the strategic layer: your net worth trajectory, whether your financial decisions are aligned with your goals, and what you need to do differently to reach them. For the day-to-day transaction tracking that open banking aggregators excel at, you will still want a dedicated tool. Think of Delphina as the forward-looking planning layer that sits above your transaction data.
If you want to see where every pound went this month, Moneyhub is probably the right tool. If you want to know whether your financial decisions are going to get you to where you want to be, Delphina is the answer.
Moneyhub closed in August 2026. Here is what to do now.
If you were moved to WPS Advisory and you are happy there, stay. If you were not, or if you want a clearer picture of where you stand, Delphina is the most direct route.
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