Frequently Asked Questions
Find answers to common questions about Delphina's features, security, and how to get the most out of your financial planning.
Getting Started
How do I connect my bank account?
Navigate to the supported banks page, select your bank, and follow the secure Open Banking authentication process. We support over 50 UK banks and financial institutions.
Is Delphina free to use?
Delphina offers a free tier with essential budgeting and tracking features. Premium features like advanced forecasting and personalised guidance are available in our paid plans.
How secure is my financial data?
We use bank-level encryption and never store your banking credentials. All data is encrypted and processed securely under UK GDPR regulations.
Features & Functionality
What banks does Delphina support?
Delphina supports major UK banks including HSBC, Barclays, Lloyds, NatWest, Monzo, Revolut, and many more. Check our full list of supported banks.
Can I track expenses automatically?
Yes! Once you connect your bank accounts, Delphina automatically categorises transactions and tracks your expenses in real-time.
Does Delphina help with retirement planning?
Absolutely. Delphina provides retirement planning tools, pension tracking, and long-term financial forecasting to help you plan for the future.
Forecasting & Assumptions
What default assumptions does the model use for inflation, investment returns, and salary growth?
Delphina uses suggested expected growth rates based on historical performance for different asset classes. These defaults provide a reasonable baseline, but you can and should adjust them to match your own expectations.
Can I customise the assumptions used in forecasting?
Absolutely. Every assumption in Delphina is fully customisable. You have complete control over inflation rates, expected investment returns for different asset classes, salary growth rates, and more.
Does the model account for UK tax changes, ISA limits, or pension lifetime allowance changes over time?
Not currently. These features are on our roadmap. The model currently uses the tax rules and limits as they exist today, but we plan to add the ability to model future changes to UK tax policy, ISA contribution limits, and pension allowances.
Does forecasting show a range of scenarios (pessimistic/optimistic) or just a single number?
Both. You can run Monte Carlo simulations to see probabilistic outcomes with ranges, and you can also create any number of custom scenarios - each with different growth rates - to compare pessimistic, optimistic, and realistic outcomes side by side.
Account & Billing
How do I upgrade to premium?
Go to your account settings and select the premium plan that best fits your needs. You can upgrade or downgrade at any time.
Can I cancel my subscription anytime?
Yes, you can cancel your subscription at any time. Your access will continue until the end of your current billing period.
What payment methods do you accept?
We accept all major credit cards, debit cards, and direct debit payments for UK bank accounts.
Technical Support
I forgot my password. How do I reset it?
Click "Forgot Password" on the login page and follow the email instructions to reset your password securely.
Why are my transactions not updating?
Try refreshing your bank connection or reconnecting your account. If issues persist, contact our support team for assistance.
How do I report a bug or request a feature?
Use our bug report form for issues and feature request form for suggestions. We review all submissions regularly.
Still Need Help?
Can't find the answer you're looking for? Our support team is here to help you with any questions about Delphina.