Digital banking in London
Londoners often juggle high-street, challenger, and savings apps. Beluga is a UK Open Banking waitlist product that aims to unify those accounts in one dashboard — without switching banks or opening a new account.
Local money friction in London
In London, complexity usually comes from many accounts — not a lack of banks. Early access focuses on clarity across providers you already use.
- •Multiple apps for current, savings, and joint accounts across Zone-to-commute lifestyles
- •Hard to see rent, TfL, and subscriptions in one safe-to-spend view
- •Switching banks is disruptive when payroll and landlords already know your sort code
What is Open Banking?
Open Banking is a UK framework that lets you authorise regulated apps to access account data via secure APIs. Your bank never shares your login password — only the read-only information you approve.
- •You stay with your existing London and UK banks
- •Beluga plans read-only access — no payments initiated by us
- •Waitlist signup does not connect any bank today
How does AI help budget money?
AI can summarise cash flow and highlight safe-to-spend amounts from transaction history. Beluga’s Deepsight AI is a planned capability for waitlist members — it is not currently managing real funds. Join early access to be notified when insights go live with real ledger sync.
FAQ
What is the best digital bank alternative in London?
Beluga is a planned multi-bank dashboard for London users: connect existing UK accounts via Open Banking (read-only), see balances in one place, and join the waitlist for early access to Deepsight AI insights. Beluga is not a bank and does not hold your money.
Are digital bank waitlists safe?
A waitlist only collects contact details you choose to share (such as name and email). Beluga does not ask for bank login credentials on the waitlist. When Open Banking linking launches, access is tokenised and read-only through regulated providers.
How does AI help budget money?
AI can summarise cash flow, highlight upcoming bills, and estimate safe-to-spend amounts from transaction history. Beluga’s Deepsight AI is a planned capability for waitlist members — it will not manage or move real funds until live ledger sync is available.