A Snoop alternative with no bank connection
Snoop uses Open Banking to watch your accounts and flag ways to save on bills and subscriptions. Moniquid helps you do the budgeting side — spending, bills, savings and net worth — without ever connecting to your bank.
How they differ
Snoop’s insights come from a live connection to your accounts. Moniquid works from the statements you already receive: import a PDF or CSV, scan a receipt, or add a transaction manually. You give up automatic syncing and get privacy, control, and compatibility with any UK bank in return — nothing to authorise, nothing to break.
What Moniquid gives you
Spending by category with a per-merchant breakdown, recurring-bill detection, savings goals, a debt payoff planner, net worth tracking, and a daily safe-to-spend number so you always know what’s genuinely free to spend after bills and goals. An optional AI coach answers questions about your own numbers, with guardrails so it never invents figures.
Snoop vs Moniquid
Connection: Snoop links accounts via Open Banking; Moniquid is no-bank-linking.
Privacy: Moniquid keeps your ledger on-device and syncs encrypted; no ads.
Coverage: works with any UK bank that can export a statement.
Price: free plan forever; Premium £2.99/month or £24.99/year.
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Frequently asked questions
Does Moniquid find savings on bills like Snoop?
Moniquid surfaces your recurring bills and their cost per day so you can spot what to cut, and flags unusually large payments. It does this from your imported statements rather than a live bank connection.
Does it connect to my bank?
No — Moniquid never uses Open Banking or asks for your bank login. You import statements or add transactions manually.
Is it free?
There’s a free plan forever. Premium is £2.99/month or £24.99/year for unlimited imports, receipt scanning and advanced analytics.
Which banks does it work with?
Any UK bank — because it reads your statements rather than connecting to an account, anything that can export a PDF or CSV works.