App to track all accounts and imvsstments?

Enigmaman

Does anyone know an app that tracks all savings and investments?
I need one that covers everything. 

In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few shares (in OEICS or Investment Trusts). Plus some premium Bomds and Moneybox. 

Is there an app that would cover all these? Or do some institutions refuse to play ball? I don't see the point unless the whole lot is available to be included in the app.  

friolento

You’ll have difficulties finding an app which covers all the accounts you listed as many of the smaller players have not implemented Open Banking, thus making it impossible for personal finance apps to support them. 

If you are happy with manually tracking your transactions / balances, something like MS Money or AceMoney will let you add any account you can think of.

Enigmaman

Indeed, I had a good look at Snoop this morning and gave up when I saw the only account I could view "live" was Natwest...I may as well stick to my good old spreadsheet and do it manually, and it won't cost me anything.

If all my accounts offered open banking it would be a different matter,   

DiamondLil

I use Moneyhub; it tracks all but one of the providers I use. Been using it for a year and am happy with it.

j_netprofit

Anyone else not keen on giving third parties that information...?

eskbanker

j_netprofit said:

Anyone else not keen on giving third parties that information...?

No doubt many feel the same way, some out of a fear of the unknown and others from a considered analysis of security or other risks, but obviously anyone (such as OP) wanting to consolidate an aggregate view of their finances accepts the principle!

poseidon1

Enigmaman said:

Does anyone know an app that tracks all savings and investments?
I need one that covers everything. 

In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few shares (in OEICS or Investment Trusts). Plus some premium Bomds and Moneybox. 

Is there an app that would cover all these? Or do some institutions refuse to play ball? I don't see the point unless the whole lot is available to be included in the app.  

Another vote for Moneyhub which I use also. It has a reasonably comprehensive spread across the bulk of the mainstream High Street banks, most of the fin techs ( monzo, revolute etc), as well as some investment platforms such as HL, II, AJ Bell etc.

However, as with all the finance tracking apps its ability to link and track is determined by  those institutions that have chosen to allow open banking API access to their data. So for example, many of  the buy-to-let lenders that offer good savings rates such Kent Reliance, Charter Bank, Chetwood, Tandem etc, have not invested in enabling API linking so all though you can add them manually to Moneyhub, there are no live updates - you have to remember to update them manually.

Moneyhub has a 6 month free offer for new users and thereafter a subscription model at £1.49 per month or £14.99 annually.

As well as tracking accounts and credit cards I also use it as an asset register, since you can add in the value of your house, some pensions and even your car value ( if you are so minded).

I also find it very helpful in reconciling income received in the tax year, with the investment platforms' certification of reportable investment income  for self assessment purposes. All in all for £15 per year it relieves me of the faff and bother of spreadsheets, together with additional functionality I had not anticipated.

At the very least, worth a try over the 6 month free period.

poseidon1

poseidon1 said:

Enigmaman said:

Does anyone know an app that tracks all savings and investments?
I need one that covers everything. 

In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few shares (in OEICS or Investment Trusts). Plus some premium Bomds and Moneybox. 

Is there an app that would cover all these? Or do some institutions refuse to play ball? I don't see the point unless the whole lot is available to be included in the app.  

Another vote for Moneyhub which I use also. It has a reasonably comprehensive spread across the bulk of the mainstream High Street banks, most of the fin techs ( monzo, revolute etc), as well as some investment platforms such as HL, II, AJ Bell etc.

However, as with all the finance tracking apps its ability to link and track is determined by  those institutions that have chosen to allow open banking API access to their data. So for example, many of  the buy-to-let lenders that offer good savings rates such Kent Reliance, Charter Bank, Chetwood, Tandem etc, have not invested in enabling API linking so all though you can add them manually to Moneyhub, there are no live updates - you have to remember to update them manually.

Moneyhub has a 6 month free offer for new users and thereafter a subscription model at £1.49 per month or £14.99 annually.

As well as tracking accounts and credit cards I also use it as an asset register, since you can add in the value of your house, some pensions and even your car value ( if you are so minded).

I also find it very helpful in reconciling income received in the tax year, with the investment platforms' certification of reportable investment income  for self assessment purposes. All in all for £15 per year it relieves me of the faff and bother of spreadsheets, together with additional functionality I had not anticipated.

At the very least, worth a try over the 6 month free period.

Ps, I also used Money Dashboard until its demise. Moneyhub has proven to be an improvement.

Doshwaster

Unfortunately MoneyHub is closing down its consumer app next year to concentrate on B2B services

https://tech.eu/2025/02/14/moneyhub-scraps-d2c-app-over-30-jobs-reported-to-be-axed/

Such a shame. MoneyHub wasn't perfect but it was the best personal finance manager that I found following the demise of MoneyDashboard.

Suppose it just shows how hard it is to commercialise an account aggregation service. Maybe the market for people with multiple accounts they want to track isn't big enough or not enough trust Open Banking.

At least they've given enough notice so that an alternative can emerge.

poseidon1

Doshwaster said:

Unfortunately MoneyHub is closing down its consumer app next year to concentrate on B2B services

https://tech.eu/2025/02/14/moneyhub-scraps-d2c-app-over-30-jobs-reported-to-be-axed/

Such a shame. MoneyHub wasn't perfect but it was the best personal finance manager that I found following the demise of MoneyDashboard.

Suppose it just shows how hard it is to commercialise an account aggregation service. Maybe the market for people with multiple accounts they want to track isn't big enough or not enough trust Open Banking.

At least they've given enough notice so that an alternative can emerge.

Most unwelcome news Doshwaster, especially since I don't think there is any other app out there which has the full functionality of Moneyhub from my perspective. 

Having to construct and keep on top of my own spreadsheets in future, is a tedious chore I am not looking forward to.

Have to agree that  people like ourselves with multiple ever changing saving and investment accounts must indeed be too small a market to serve profitably, although I think I would have been prepared to pay say £100 per year compared to the £15 annually they were charging.  

janusdesign

Doshwaster said:

Unfortunately MoneyHub is closing down its consumer app next year to concentrate on B2B services

https://tech.eu/2025/02/14/moneyhub-scraps-d2c-app-over-30-jobs-reported-to-be-axed/

Such a shame. MoneyHub wasn't perfect but it was the best personal finance manager that I found following the demise of MoneyDashboard.

Suppose it just shows how hard it is to commercialise an account aggregation service. Maybe the market for people with multiple accounts they want to track isn't big enough or not enough trust Open Banking.

At least they've given enough notice so that an alternative can emerge.

very sad to hear this - though possibly worth reposting a support reply posted on Reddit last month...

PSA: Moneyhub closing August 2026 : r/UKPersonalFinance

So just to keep everyone up to date as I reached out to Moneyhub support to double check as there was nothing on their site but a ton of other sites mentioning it and I didn't want to fork out £80+ for an Emma Plus subscription is Moneyhub is sticking around. They have said the following:
Hello Mike,
 
Thank you for reaching out.
 
In February this year Moneyhub took the decision to focus exclusively on our business-to-business operations and withdraw from the consumer app business over an 18 month period, thereby honouring all subscriptions and allowing a free-of- charge transition period.

Since taking the difficult decision to withdraw from the direct-to-consumer market Moneyhub has been approached by a number of parties interested in continuing the Moneyhub app. As a result, we have not set an end-of-life date for the app and will not do so until we have reviewed all options. Our primary concern is to secure a good outcome for our loyal customers who value the service.

As and when a termination date is finalised or an agreement reached for another provider to continue to offer the app we will notify all customers immediately. Rest assured that in either event we will ensure users can continue to use the app for the duration of their subscribed period and allow for a transition period.

We understand that any change can cause some inconvenience, and we sincerely apologise for that. We are incredibly grateful for the trust and support you've shown Moneyhub, and we're here to assist you.

Lee - Moneyhub support team

so all may not be lost!

my annual subscription renewed at the start of this month, so will need to have an idea of what's going on before next April.

as @poseidon1 says, i'd be willing to pay significantly more than £15 a year for this - from using Money Dashboard and then moving to (and paying for) Moneyhub, I don't want the hassle of finding another alternative... it's so handy having current accounts refreshing 4 times a day and savings accounts / investments daily - or on demand at any time... and for those accounts that don't connect directly, you can add them manually and adjust the balances as and when.

possibly worth noting that their auto connections to the banks are powered by Yodlee - when I report a connection to MH as not working (often building societies), the reports are passed up to Yodlee for them to change their parsing / scraping code... i've had open tickets for Principality & Saffron since March 2024 - both can now obtain live balances on all their accounts, but not yet retrieve transactions (would be nice to have, but can happily live with just balances)... sometimes Yodlee just give up on trying to make a connection work (Oaknorth being one example after 4 months).

for the OP (@Enigmaman), I would recommend trying Moneyhub for the trial period - Moneybox hasn't been added as a connection yet (though it is listed as upcoming), so would have to be a manual account for now... with regards to NS&I, they no longer support it, so again that would be a manual account.

it might be useful to also mention that Moneyhub is both an app and you also have desktop access to it via a browser (which is how I mainly use it) - so you can access it via either method depending on your needs.