Frustrated that budgeting features feel like an afterthought? Need comprehensive financial insights your bank can't provide? You're not alone. You are not alone - thousands are switching to smarter financial planning.
Monzo is a bank first, with budgeting features that feel like an afterthought. You get basic pots and spending categories, but no real financial planning tools.
Limited to UK users with UK bank accounts. If you travel, work internationally, or have foreign investments, Monzo can't help you track your full financial picture.
Monzo shows your spending but ignores your investments, pensions, and wealth. You're flying blind on the most important parts of your financial life.
Many features require a Monzo bank account. If you prefer another bank, you're locked out of the full Monzo experience.
You get spending notifications and simple trends, but no personalised recommendations, scenario planning, or long-term financial guidance.
Monzo helps you track spending but can't help you plan for retirement, set financial goals, or model different financial scenarios.
| Feature | Monzo | Delphina |
|---|---|---|
| Automatic Transaction Categorisation | ✓ | ✓ |
| Investment Tracking | ✗ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Retirement Planning | ✗ | ✓ |
| Goal Tracking | ✓ | ✓ |
| Net Worth Tracking | ✗ | ✓ |
| FIRE Calculations | ✗ | ✓ |
| Global Multi-currency Support | ✗ | ✓ |
Delphina gives you complete financial visibility - budgeting, investments, goals, and long-term planning in one powerful platform.
A bank that added basic budgeting as a feature. No investment tracking, retirement planning, or long-term financial guidance.
Complete financial planning including investments, retirement, goals, and scenario analysis - all in one platform.
Free banking but premium features cost extra. No comprehensive planning value.
Free tier with comprehensive features. Premium plans at ~£100/year include everything.
Delphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.