About Beluga
Beluga is an Authorised Payment Institution (AISP) regulated by the Financial Conduct Authority. We are not a bank — we unify your existing bank accounts in one dashboard so you can see all your money, get Deepsight™ cash flow forecasts, and improve your Beluga Point.
Our mission
We believe everyone deserves a clear view of their finances. By connecting your UK bank accounts through secure open banking, we give you one place to see balances, track spending, and plan ahead with AI-powered insights — without replacing your banks.
Why Beluga is different
- •Multi-bank: We aggregate all your accounts; you keep your existing banks.
- •Read-only AISP: We never see or store your bank login credentials. We cannot initiate payments.
- •Deepsight™: AI-powered cash flow forecasting and safe-to-spend insights.
- •Beluga Point: A financial wellness score based on your behaviour, not credit.
Regulation and trust
Beluga is authorised by the FCA and complies with UK GDPR. We use Open Banking APIs so you authorise your bank to share read-only data with us. You can revoke access at any time. Learn more in our Security and Privacy pages.
Join the waitlist
Be among the first to experience unified banking with Beluga.
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