The short version
Moneyhub covers a wider set of account types including pensions; Snoop is simpler and better at everyday savings nudges. Neither gives you a forecast you can plan a retirement around.
Why people compare them
Both are UK Open Banking platforms that shifted focus towards business partnerships, so consumers ask which is still worth using.
Price and fit, side by side
| Feature | Moneyhub | Snoop |
|---|---|---|
| Cheapest paid plan | MoneyhubNot published | SnoopFree tier, then £5.99 per month |
| Free tier | MoneyhubNo | SnoopYes |
| Billed in pounds | MoneyhubYes | SnoopYes |
| Best for | MoneyhubBusinesses buying Open Banking data infrastructure, rather than individuals looking for an app to use | SnoopPeople who want their bills and subscriptions watched for them without paying anything |
Where Moneyhub wins
- Serious Open Banking engineering, with categorisation and enrichment used by banks, lenders and pension providers
- One of the earliest UK apps to aggregate current accounts, pensions, investments and property in one view
- Rather than simply shutting users out, Moneyhub arranged for WPS Advisory to take over, and migrating users kept their remaining subscription term
Where Snoop wins
- A genuinely useful free tier: account linking, spending tracking, budgets, credit score and bill switching
- The savings suggestions are the point of the product, not an upsell, and they are specific to your actual spending
- Built for the UK on Open Banking, so it never asks for your bank login credentials
Where both fall short
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Moneyhub does for businesses buying open banking data infrastructure, rather than individuals looking for an app to use, so if that is the real problem, Moneyhub is still the better buy. Free plan is £0, no card.
Moneyhub vs Snoop: common questions
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Moneyhub suits businesses buying open banking data infrastructure, rather than individuals looking for an app to use. Snoop suits people who want their bills and subscriptions watched for them without paying anything. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Moneyhub does for businesses buying open banking data infrastructure, rather than individuals looking for an app to use, so if that is the real need, pick one of these two.