Money Dashboard Alternatives: What to Use Now It's Closed
The 2026 guide to Money Dashboard alternatives in the UK: the best free swaps, why to avoid Moneyhub now, and which US apps simply do not work here.
If you are hunting for Money Dashboard alternatives, the first thing to know is that the original app is gone for good and so is your data. Money Dashboard shut both its consumer apps, Neon and Classic, on 31 October 2023, closed every account, severed all bank connections and deleted or anonymised user data after that date. The company said it could not find a sustainable business model for the consumer app, pivoted to behind-the-scenes B2B open banking, and was acquired by ClearScore. So this is not a “how to migrate your data” guide. There is nothing left to migrate. It is a guide to picking a replacement that will still be running in two years.
That last point matters more than usual right now, because the obvious replacement is also dying.
Read this before you pick Moneyhub
When Money Dashboard closed, a lot of people moved to Moneyhub, the other big UK account aggregator. Do not start there now. In early 2025 Moneyhub announced it was withdrawing from its direct-to-consumer app, stopped taking new customers, stopped developing consumer features and laid off around 30% of its UK workforce, refocusing on its B2B business serving banks, lenders, pension providers and insurers. The consumer app has since been handed to a partner, WPS Advisory, with existing users asked to opt in to the transition; it is no longer an app a new user can simply sign up for and rely on long term. You can read the company’s own notice on the Moneyhub continuing-service page.
Most “Money Dashboard alternatives” articles still recommend Moneyhub near the top, because they were written in 2023 and never updated. Its future as a consumer product now rests on a third party rather than on Moneyhub itself, so it is not the stable home you want for all your accounts. Skip it.
The sensible filter for 2026 is commercial stability. The apps below all have working revenue models (paid tiers, commissions, banking-group ownership), which is exactly what Money Dashboard and Moneyhub did not have for their free consumer products.
The shortlist by what you actually want
There is no single “best” replacement, because Money Dashboard did one main thing (show all your accounts in one place) and people now want different things from it. Here is the quick version, then the detail.
| If your goal is | Best pick | Free tier |
|---|---|---|
| See every account and card in one dashboard, free | Snoop | Yes, full core |
| Catch forgotten subscriptions and recurring payments | Emma | Yes, up to 2 accounts |
| Actually save money automatically | Plum | Yes, basic |
| Strict, plan-every-pound budgeting | YNAB | No, trial only |
| Forecast future cash flow and net worth | PocketSmith | Yes, basic |
Snoop: the closest like-for-like, and still free
Snoop is the nearest thing to what Money Dashboard did. The free tier connects all your bank accounts and credit cards through open banking, sorts spending by category and merchant, sets budgets, flags forgotten subscriptions, watches for cheaper energy and broadband, sends alerts and gives you a free credit score. For most people moving off Money Dashboard for a free all-accounts view, this is the answer.
It is FCA-regulated as an Account Information Service Provider, which means read-only access: it can see your transactions but cannot move money. It was founded in 2019 by Dame Jayne-Anne Gadhia, the former Virgin Money chief executive, and acquired by Vanquis Banking Group in July 2023, so it has a parent company funding it. Snoop Plus is the optional paid tier, billed monthly or annually. Note that several older articles still quote a lower Plus price; check the current figure on Snoop’s own site before assuming, as it rose in 2025. Our full Snoop app review goes through what the free tier covers and where Plus earns its keep.
Emma: best for hunting down subscriptions
Emma is the other app Money Dashboard pointed users toward, and it is the strongest at one specific job: surfacing the subscriptions and recurring payments you forgot you were paying. The free plan connects up to two accounts with basic budgeting and automatic categorisation. Paid tiers (Emma Plus, Pro and Ultimate) add split bills, custom categories, net worth tracking and family accounts.
Emma uses read-only open banking, is FCA-registered, supports more than 50 UK banks and has over three million users, so it is not going anywhere. You can confirm it is a regulated open-banking provider on the official Open Banking regulated-providers listing. Pricing varies by where you read it, so check the in-app tiers directly; our Emma app review breaks down what is free and what is paywalled.
Plum: only if your real problem is saving
Plum is built around automated saving rather than tracking. Its free tier already includes the AI auto-deposit feature and round-ups, which quietly move small amounts into savings for you. Paid tiers add deeper budgeting and ready-made fund investing. It is FCA-regulated and its savings and investments are FSCS-protected.
Be honest with yourself here. If you want a clean dashboard of all your accounts, Plum is the wrong tool; it is a saving and investing app first, a budgeting app second. If your actual problem is that you never put money aside, the automation is the point. We cover this in detail in is Plum worth it.
YNAB: for committed zero-based budgeters
YNAB (You Need A Budget) suits people who want to give every pound a job rather than just watch where money went. It is paid only, with a 34-day trial and then a monthly or annual subscription billed in US dollars; UK users can switch the in-app currency to pounds.
One correction to the old advice: UK users no longer have to import everything by hand. YNAB Direct Import now works with selected UK banks through its open-banking partner TrueLayer, as the company sets out in its UK and EU direct import note. File-based and manual import still exist if your bank is not supported. Choose YNAB for the method and the discipline it forces, not for a slick free dashboard.
PocketSmith: for forecasting and multi-currency
PocketSmith is the pick if you care about where your money is heading, not just where it has been. It is strong on cash-flow forecasting, a calendar view of upcoming income and bills, and net worth tracking, and it handles UK, EU and other currencies. It has free and paid tiers.
One caveat: PocketSmith still markets a “Money Dashboard CSV importer” on its site. That made sense in 2023 when people could export their data. Since the Money Dashboard export route closed with the app on 31 October 2023, that importer has little practical use now. Treat it as leftover marketing, not a reason to choose the app.
Ignore these US apps (they do not work in the UK)
A lot of generic “best money tracker” and “best net worth app” lists are written for an American audience and recommend apps that cannot connect a single UK account. Two come up constantly:
- Empower (formerly Personal Capital): cannot connect UK banks, UK brokerages, UK ISAs or UK pensions.
- Monarch Money: its bank connections are US-only, with no way to link a UK bank, ISA or pension.
If an article recommending Money Dashboard alternatives leads with either of these, it has not been written for the UK market. Mint, the other name you will see, was shut by Intuit in 2024 and never served UK banks anyway.
Is it safe to connect my bank to these apps?
Yes, with the usual sensible checks. Every app recommended here uses open banking, the FCA-regulated framework, and connects with read-only access. That means three things: the app sees your transaction data only, it cannot move your money, and it never sees your banking password (you approve the link inside your own bank’s app). Account information and payment initiation are separate permissions, and a budgeting app uses only the first.
Before you connect anything, you can verify an app is authorised on the FCA Financial Services Register. If a money app is not on the register, do not link your bank to it. Our explainer on open banking budgeting apps walks through exactly what these apps can and cannot do.
How to choose without regretting it later
Work from your situation, not from star ratings:
- You just want the old Money Dashboard view back, for free: Snoop. It is the closest match and costs nothing for the core.
- You suspect you are leaking money on subscriptions: Emma, which is built to flag them.
- You can never make yourself save: Plum, and let the automation do it.
- You want total control over every pound: YNAB, accepting the subscription cost.
- You want to see where your finances are heading: PocketSmith, for the forecasting.
Then sanity-check stability. The whole reason you are reading this is that two well-known apps closed their consumer products. The five above all have a way to make money from you or for you, which is what keeps the lights on. If you want a wider comparison, see our best free budgeting apps in the UK roundup and the head-to-head on Emma vs Snoop vs Plum.
Frequently asked questions
Why did Money Dashboard close, and is my data still there? Money Dashboard closed both apps (Neon and Classic) on 31 October 2023, saying it could not find a sustainable business model for consumer aggregation, and it was acquired by ClearScore. All accounts and bank connections were closed and user data was deleted or anonymised after that date. The export option disappeared with the app, so there is no data left to recover or migrate.
What is the best free Money Dashboard alternative in the UK? Snoop is the closest free like-for-like: it connects all your accounts and cards through open banking, categorises spending, flags subscriptions and includes a free credit score, all on the free tier. Emma is the other strong free option (up to two accounts free) and is best if catching forgotten subscriptions is your priority.
Should I switch to Moneyhub instead? No. Moneyhub has withdrawn from its direct-to-consumer app, stopped taking new customers and stopped developing consumer features; the app has been handed to a partner, WPS Advisory. Its future as a consumer product no longer rests with Moneyhub itself, so it is not the stable home you want. Choose an app with a settled consumer business, such as Snoop, Emma or Plum.
Which app shows all my bank accounts and credit cards in one place? Snoop and Emma both aggregate multiple current accounts and credit cards into a single dashboard via open banking. Snoop’s free tier covers the full core; Emma’s free plan is limited to two linked accounts, with more available on its paid tiers.
Is it safe to connect my bank to these apps? Yes, provided the app is FCA-authorised. They all use read-only open banking: they can see your transactions but cannot move money, and they never see your bank password because you approve the link in your own bank’s app. Check any app on the FCA Financial Services Register before connecting.
Are there UK apps that track investments and pensions, not just spending? PocketSmith covers net worth and cash-flow forecasting across multiple currencies, and Emma and Snoop add net worth tracking on their paid tiers. Avoid the US apps Empower and Monarch Money for this; they cannot connect UK banks, ISAs or pensions at all.
Do I have to pay for any of these? No. Snoop’s core is free indefinitely, Emma is free for up to two accounts, and Plum’s basic saving features are free. YNAB is the only paid-only option here. Paid tiers across the others add extras like custom categories, net worth tracking and split bills, but you can run the free version first and only upgrade if a specific gap costs you.
