UK fintech comparison
Money Guided and Delphina are both UK-built financial tools, but they solve different problems. Money Guided is sold to employers as a workplace wellbeing benefit — your company pays for it and you get the app for free. Delphina is sold directly to you as a personal planning tool. So this isn't a straight shoot-out. It's a guide to which one fits which situation, written for people weighing both.
If your employer offers Money Guided, it is a genuinely good wellbeing app and you should use it. The rest of this page is for the people who want something Money Guided does not do, or who do not have access to it through work.
Where the two overlap, Money Guided is solid. Where they don't, this is what you give up if you pick it.
| Feature | Money Guided | Delphina |
|---|---|---|
| Open banking aggregation | ✓ | ✓ |
| AI chat coach | ✓ | ✓ |
| Behavioural nudges ("moves engine") | ✓ | ✗ |
| Free through employer | ✓ | ✗ |
| Forward-looking cashflow planning | ✗ | ✓ |
| Verdict on whether you are on track | ✗ | ✓ |
| Scenario planning (what if I…) | ✗ | ✓ |
| Retirement projection (30-year) | ✗ | ✓ |
| Net worth trajectory | Partial | ✓ |
| UK pension and ISA awareness | ✗ | ✓ |
| FIRE number calculation | ✗ | ✓ |
| Individual sign-up (no employer needed) | ✗ | ✓ |
| Annual Cost | Free via employer (~£8/employee/month) | From £9.99/month |
The "moves engine" and the WhatsApp-delivered coaching are unusual in this space. Money Guided is also unusual in that the employer pays, which removes any commission bias from financial product recommendations — they literally don't earn from you buying things through the app. If your employer offers it, you have a strong spending + behaviour tool for free, and you'll be in the top 10% of UK adults for money visibility just by using it.
What Money Guided doesn't do, and Delphina exists to do, is answer the future question. Where will I be in 20 years if I keep going like this? That's the gap.
Delphina doesn't replace Money Guided — use both if you have access. But if forward-looking planning is what you want, this is what it looks like.
Start planning