Moneyhub has become a leading Open Finance platform in the UK and EU, offering regulated firms and financial institutions API access to account data, insights, and payment initiation tools. With the shift from PSD2 to an Open Finance era, Moneyhub is well-positioned to help banks, insurers, and fintechs unlock deeper value from their users’ financial data — and to build consent-based financial ecosystems.
We interviewed Samantha Seaton, Moneyhub’s CEO, to explore their product suite, client base, compliance edge, and Open Finance vision.
Who is Samantha Seaton?
Samantha Seaton is a veteran of the UK fintech and wealthtech sectors. Prior to Moneyhub, she held senior leadership roles at eValue and FNZ, and has been a driving force behind industry conversations around Open Banking, data empowerment, and financial inclusion. At Moneyhub, she champions ethical innovation and the strategic use of customer data to deliver better financial outcomes.
Interview
What is Moneyhub in one sentence?
A regulated Open Finance platform enabling businesses to access, enrich, and act on financial data — with consent.
What types of businesses use Moneyhub?
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Banks and credit unions
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Insurance providers
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Pension and wealth managers
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Mortgage providers
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Employee benefit platforms
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Fintechs building PFM or credit tools
Are you regulated?
Yes — Moneyhub is a UK-licensed AISP and PISP, regulated by the FCA. We are also ISO 27001 certified.
What are your core products?
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Data Aggregation (Open Banking, pensions, investments, mortgages)
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Data Enrichment (categorization, cashflow, insights)
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Payment Initiation (via Open Banking)
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Consent Management Platform
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White-label SDKs and APIs
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AI-based financial forecasting
What sets you apart from Tink or TrueLayer?
Depth of data and breadth of use cases — we support not just banks, but also investment, pension, mortgage, and insurance data. Plus, we provide insight and actionable outcomes, not just raw data.
What are some typical use cases?
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Pension providers tracking customers’ income and savings behavior
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Mortgage lenders performing real-time affordability checks
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Insurers enhancing underwriting with real-time bank data
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Employers offering salary-linked financial wellbeing tools
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Wealth managers using consented Open Finance data to offer holistic planning
Do you offer full white-labeling?
Yes — firms can fully embed our UX or use our APIs to power their own front-end experiences.
Is PIS available across all banks?
Nearly — we support PIS across all major UK and most EU banks, with strong fallback and error handling logic.
How do you handle consent and data security?
We offer a consent dashboard, time-bound access controls, and user transparency — all in line with GDPR and FCA rules.
Do you offer financial wellness tools?
Yes — our financial wellbeing engine can be embedded by employers, banks, or benefit providers.
Can users link pensions and mortgages too?
Yes — we are pioneers in non-bank data aggregation including pensions, investments, credit cards, and mortgages.
What markets do you serve?
Mainly UK and EU — with expansion plans into Australia and the Middle East in 2025–2026.
What are your commercial models?
SaaS pricing based on API calls or user volume, with enterprise and SME tiers.
How fast can a partner go live?
Some are live in 2–4 weeks, depending on integration. We provide SDKs and sandbox access.
What’s on your 2025 roadmap?
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Expansion to new regulated data types under Open Finance
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Insurance and mortgage PFM modules
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Consumer dashboard for data portability
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SME cashflow and credit tools
Who are your competitors?
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Tink (now part of Visa)
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TrueLayer
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Yapily
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Plaid (mainly US-focused)
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Bud (focused on data enrichment)
Long-term vision?
To be the most trusted Open Finance infrastructure provider, enabling a world where consumers are in control of their financial data and businesses can build ethical, data-driven services.
Related Searches
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Open Finance UK providers
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Moneyhub vs Tink
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Open Banking AISP list UK
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FCA PISP license Moneyhub
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Financial wellbeing API providers
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Employee financial wellness platform
FAQ
Is Moneyhub a bank?
No — we’re a regulated Open Finance platform (AISP + PISP) offering data connectivity and payment APIs.
Is there a dashboard for consent management?
Yes — end-users and institutions can manage consent, see access logs, and revoke access at any time.
Do you offer credit scoring?
Not directly — but we provide enriched data used in affordability checks and lending decisions.
Can I use Moneyhub in the EU?
Yes — we support EU banks and are expanding our regulatory footprint.
Is Moneyhub B2B or B2C?
Primarily B2B2C — we power regulated institutions, employers, or fintechs serving end users.
Company Services
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Open Banking aggregation
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Open Finance (pensions, investments, mortgages)
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Payment initiation services
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Consent management tools
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Financial wellbeing SDKs
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White-label PFM APIs
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Data insights and enrichment
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Regulatory compliance tooling
Competitors
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Tink – Strong data network, less focused on pensions or insurance
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TrueLayer – Bank data only, great dev UX
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Bud – Focused on enrichment, not aggregation
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Plaid – Expanding in EU, still US-led
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Yapily – Pure B2B connectivity, no UX
Product Positioning
Moneyhub is:
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Regulated AISP/PISP under the FCA
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Open Finance leader (beyond just Open Banking)
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Serving pension, wealth, mortgage, and insurance sectors
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Providing SDKs, APIs, and full white-label
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Data-secure, consent-first, and insight-driven
