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Your money, finally mastered.
MANÜCCIFLOW brings your money into one intelligent place; helping you understand your finances, optimise your decisions and eventually automate your financial life.
Connect Monzo, Revolut, Wise, and your bank across the UK, US and Europe, all in one view. Every transaction auto-categorised. Your AI coach knows your runway, and where your money actually went.
Sign up with Google or email · Takes 30 seconds
30-day money-back guaranteeNo card requiredRead-only bank accessGDPR compliant
app.manucci.ai/dashboard
Net Worth
£0
+£340 this month
Monthly Spend
£0
−12% vs last month
Savings Rate
0%
On track →
Spending Overview
Last 6 months
Sep
Oct
Nov
Dec
Jan
Feb
Monzo · Food
−£42.00
Starling · Salary
+£2,400
Scroll
0+People using MANÜCCIFLOW
£0.0M+Transactions processed
0+financial institutions connected
0.0/5Average user rating
Security & compliance
Your data is safe.
We never move your money.
ManücciFlow uses Plaid for all bank connections — the same FCA-authorised infrastructure used by Monzo, Revolut, and Wise. We request read-only access only. We can see your transactions. We can never move, schedule, or initiate a payment.
256-bit encryption in transit and at rest. Your bank credentials never touch our servers.
256-bit encryption
In transit & at rest
GDPR compliant
UK & EU data law
Plaid secured
FCA authorised
Stripe payments
FCA regulated
Firebase App Check
Bot protection
Read-only access
We never move funds
Connects securely with
Plaid
NatWest
Lloyds
Santander
Plaid
NatWest
Lloyds
Santander
* All bank names and logos are trademarks of their respective owners.
Sound familiar?
The old way is broken.
The old way
- Checking your bank, still unsure
- Money disappears without explanation
- Bills hit you by surprise
- Saving feels inconsistent and reactive
- Googling financial advice, still confused
- No expert guidance, just guesswork
Financial Health Score
Know exactly where
you stand financially.
Your personal score — from 300 to 850 — calculated from your real income, spending discipline, and savings rate. Not a guess. Not a generic quiz. Your actual numbers.
300Very Good
Example score
Excellent
800–850
Very Good
740–799
Good
670–739
Fair
580–669
Poor
300–579
Savings rate
The higher the percentage of income you keep, the more your score climbs.
Spending discipline
Consistent spending below income is the single biggest factor in a healthy score.
Transaction history
More data means a more accurate picture. Your score sharpens over time.
How it works
From sign-up to clarity
in 7 minutes.
01
Connect your bank
Securely link any of 12,000+ financial institutions via Plaid in under 60 seconds. Read-only access, bank-grade encryption.
02
AI categorises everything
Every transaction sorted and labelled automatically. Correct anything once and it learns your preferences permanently.
03
Get clarity instantly
Your live dashboard, reports, and tax estimates update in real time. Ask your AI coach anything, anytime.
One platform. Every tool your finances require.
Features
Everything you need.
Nothing you don't.
One platform. Every tool your finances require, across the UK, US and Europe.
Cash clarity
Real-time analytics and live dashboards. Know your runway at a glance, any time of day.
AI financial coach
Ask anything, 24/7. A context-aware coach that knows your finances and speaks plain English.
AI categorisation
Every transaction sorted automatically. Learns your patterns within days.
Smart receipt scanning
Capture receipts in seconds. OCR extracts the data and files it automatically.
VAT-ready reviews
Clean books, auto-categorised and ready for filing. No last-minute panic.
Reports, not ledgers
Beautiful dashboards. No dense spreadsheets, no accountant speak.
GDPR compliant
Encrypted, never sold, fully portable. Export everything anytime.
12,000+ financial institutions
Plaid-powered. Monzo, Starling, Barclays, HSBC, NatWest and thousands more.
How we compare
Compare your options.
Spoiler: the choice is clear.
| Feature | MANÜCCIFLOW | Spreadsheet | Monarch / Copilot |
|---|---|---|---|
| Monthly cost | From $9/mo | Free (your time) | $14.99–$19.99/mo |
| Bank sync (Plaid) | ✓ | ✗ | US only |
| AI financial coach | ✓ | ✗ | Limited |
| VAT-ready | ✓ | Manual | ✗ |
| Receipt scanning | ✓ | ✗ | ✗ |
| Setup time | 7 minutes | Hours | 30 minutes |
MANÜCCIFLOW Academy
Nobody taught us
this stuff.
Most people were never taught how money actually works — not at school, not at home. MANÜCCIFLOW Academy gives you that education now. Plain English, your own pace.
Learn what school never taught you
Budgeting, saving, credit scores, pensions, investing — short, honest lessons written for real people.
BudgetingSavingsCreditPensions
Start learning →Go from anxious to confident
Money anxiety is far more common than anyone admits. Our lessons replace that knot in your stomach with real understanding.
Understanding debt85%
Building an emergency fund62%
First investment34%
Your AI coach explains it as you go
Finish a lesson and see how it applies to your actual transactions. Ask anything. Learning that connects to your real money.
"Based on your spending last month, here's how compound interest is already affecting your savings goal…"
— Your AI Financial Coach
0+Courses, and adding more each month
0 minsAverage lesson length
0%Included with every plan
Learn what school never taught you.
Personal finance that finally speaks your language
Real people.
Real results.
"I used to dread checking my bank app. I knew I was spending too much but could never actually see where. Now I can. That's honestly all I needed."
PM
Priya M.
NHS Student Nurse · Birmingham
"My partner and I kept arguing about money because neither of us had a clear picture. ManücciFlow sorted that. We finally have one view of everything and it's actually helped us save."
TR
Tom R.
Teacher, Married & father of a lovely boy · Leeds
"I'm not good with money stuff. Never have been. But this just makes sense. I can see what's coming in, what's going out, and what I've got left. Simple."
CO
Carroll O.
Marketing Executive & Single Mum of two · London
Choose your financial pilot.
MonthlyAnnual Save ~20%
MANÜCCIFLOW Core
$9/mo
Clarity begins: Bring your finances into one place and start seeing your money with structure.
- Unlimited Transactions
- Connect up to 2 banks or credit cards
- AI Financial Coach (core insights)
- Export to CSV/Excel
- Goal Setting
- Monthly email reports
Most Popular
MANÜCCIFLOW Pro
$15/mo
Clarity expands: Move beyond visibility and start actively managing your financial decisions.
- Connect up to 4 banks or credit cards
- OCR Receipt Scanning
- AI Financial Coach (enhanced insights)
- Spending insights dashboard
- Smart category automation
- Priority Support
FULL COMMAND
MANÜCCIFLOW Master
$20/mo
Clarity mastered: Full control, deeper insight, and forward-looking financial decisions.
- 5+ bank connections
- Advanced AI insights and guidance
- Cash flow forecasting
- Automated goal tracking
- Custom financial reports
- Complete financial overview
- Fast-track priority support
30DayGuarantee
100% money-back guarantee
Try MANÜCCIFLOW completely risk-free for 30 days. If you're not completely satisfied — for any reason — email us and we'll refund every penny. No forms. No questions. No hoops.
"You either get the financial clarity you came for, or you get your money back. It's that simple."
MG
The MANÜCCIFLOW Team
Founders, Manucci Group
No questions askedFull refund within 48 hoursKeep your exported data
Who it's for
Recognise yourself
in any of these?
Busy household organiser
You mix personal and business spending across Monzo, Revolut, and a business account. You've never had a clean picture of your actual net position — until now.
Household overviewMulti-account trackingSpending clarity
Freelancer / contractor
You’re running your business while managing your own finances. Money moves fast and you don’t always have a clear, real-time picture.
Personal + business viewReceipt scanningReal-time tracking
Supporting parent
They’ve just taken their first step into independence. Now you want to make sure they build good money habits from the start, not learn the hard way.
Clear spending insightsSimple money structureConfidence from day one
Get started NOW
Start from as little as $9.00/mo
Stay because it works.
Secure UK-built 30-day money-back
FAQ
Frequently asked questions
Yes. We use Plaid for all bank connections — FCA authorised in the UK, regulated across Europe, and used by millions. We request read-only access only. We can see your transactions; we can never move, access, or touch your money. All data is encrypted using 256-bit encryption.
MANÜCCIFLOW makes your accountant faster and cheaper to work with. When your books are clean, categorised, and exportable at any moment, your accountant spends less time on admin and more on strategy. Most Pro users report their accountant bills dropped within the first quarter.
Absolutely. MANÜCCIFLOW was designed for people who are brilliant at running their business but didn't study accounting. If you can use online banking, you can use MANÜCCIFLOW. Setup takes under 7 minutes.
Over 12,000 financial institutions via Plaid — Monzo, Starling, Revolut, Barclays, HSBC, Lloyds, NatWest, Santander, Halifax, and more. If your bank isn't supported, import transactions via CSV and we'll notify you when it's added.
Yes, one click — no contracts, no cancellation fees. You keep access until the end of the period you have paid for. Your data stays where it is, and resubscribing opens it again exactly as you left it.
Around 85% accuracy on day one, rising above 95% by week two as it learns your patterns. Correct any miscategorisation in one tap and the AI learns immediately. You are always in control.
Yes. We track VAT components automatically and display real-time estimates. Your books stay categorised and clean, making end-of-year filing or quarterly returns straightforward.