The best digital bank alternative in the UK
Beluga unifies all your bank accounts in one dashboard. We are not a bank — we are an FCA-regulated AISP that lets you see all your money, get Deepsight™ forecasts, and improve your Beluga Point. The smarter way to manage your finances.
Why Beluga beats single-bank digital banks
Multi-bank, not one bank
Connect all your UK bank accounts. See everything in one place. No need to switch banks.
Deepsight™ forecasting
AI-powered cash flow forecasts and safe-to-spend insights. Plan ahead and avoid overdrafts.
Beluga Point
A financial wellness score based on your behaviour. Improve it over time with better habits.
Read-only, secure
We never see your bank credentials. We cannot initiate payments. FCA-regulated AISP.
Trust and compliance
Beluga is authorised by the FCA and complies with UK GDPR. We use Open Banking APIs — you authorise your bank to share read-only data. Learn more in our Security and Privacy pages.
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Digital banking across the UK
Beluga works the same everywhere. Explore our pages for London, Manchester, Birmingham, and more.
Frequently asked questions
What is the best digital bank in the UK?
Beluga is the best digital bank alternative in the UK if you want to see all your accounts in one place without switching banks. We are an FCA-regulated AISP that connects your existing UK bank accounts via open banking, gives you Deepsight™ cash flow forecasts and safe-to-spend insights, and a Beluga Point financial wellness score. We are not a bank—we sit on top of your banks so you get one dashboard and one set of insights.
Are digital banks safe in the UK?
Yes. UK digital banks and open banking providers like Beluga are regulated by the FCA. Beluga uses open banking APIs so you authorise your bank to share read-only data—we never see or store your bank login credentials. We cannot initiate payments. Data is encrypted in transit and at rest, and we comply with UK GDPR.
Is Beluga a bank?
No. Beluga is not a bank. We are an FCA-regulated Account Information Service Provider (AISP). We connect your existing UK bank accounts via open banking and show you one dashboard, Deepsight™ forecasts, and your Beluga Point score. You keep your current accounts; we never hold your money or replace your bank.
How is Beluga different from Monzo or Revolut?
Monzo and Revolut are single-bank or e-money accounts. Beluga is a multi-bank dashboard: you connect all your UK accounts (including high-street banks) in one place. You get one view of your money, AI-powered forecasts (Deepsight™), and a Beluga Point score—without switching banks or moving your money.
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