Money talk, simplified.
FinChat is an AI-powered personal finance app that lets you connect your UK bank accounts and understand your money through a simple conversation. No spreadsheets, no dashboards you'll never check — just ask and get answers.
Our Story
FinChat was born out of frustration. Most personal finance tools are either too complex for everyday use or too basic to be useful. They give you charts and categories but never answer the question you actually have: "Where is my money going?"
We built FinChat to answer that question — and any other question you have about your finances — in plain English. Connect your bank accounts through Open Banking, and start a conversation. Ask about your spending last month, how much you're paying in subscriptions, or whether you're on track with your savings goal. The AI does the number-crunching so you don't have to.
FinChat is built by Simdan Labs Ltd, a small team based in Manchester, England. We're focused on building a product that respects your privacy, earns your trust, and genuinely helps you make better financial decisions.
What We Believe In
Privacy First
Your financial data is deeply personal. We encrypt everything, never sell your data, and give you full control over what you share and when you revoke access.
Radical Transparency
No hidden fees, no dark patterns, no fine print tricks. We tell you exactly what data we access, how we use it, and who we share it with. If we make a mistake, we own it.
Simplicity Over Complexity
Finance doesn't have to be complicated. We believe in plain language, clean design, and an experience where you can just ask a question and get a clear answer.
Built for Real People
We're not building for traders or finance professionals. FinChat is for everyday people who want to understand where their money goes and make better decisions without the jargon.
Ready to take control of your finances?
Join thousands of people in the UK who use FinChat to understand their spending and build better financial habits.
Get Early Access