Moniquid is paused

Moniquid was a UK, privacy-first personal finance app: you imported a bank statement instead of linking your bank, and it handled categories, recurring bills, savings goals and a daily safe-to-spend figure.

It isn't currently running and isn't accepting sign-ups. Existing accounts are closed and no subscriptions are being charged. The writing below is still here because people find it useful — it covers budgeting without Open Banking, and what happened to the UK apps that shut down.

Still worth reading

• Budgeting without linking your bank
• How to track spending without Open Banking
• Choosing a UK budgeting app
• What "free" should mean in a budgeting app

Apps that closed, and what people moved to

• Money Dashboard alternatives
• Mint alternatives (UK)
• Moneyhub alternatives
• Emma alternatives
• Snoop alternatives

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© 2026 Moniquid. A budgeting tool, not a bank or financial adviser. Brand names belong to their owners and are used for comparison only.