How it works - sonuswealth

- Four steps

From sign-up to whole picture.

STEP 01

Bring your accounts in

Three Phase-1 paths: drop a CSV / Excel export from any provider, scan a statement with your phone, or guided manual entry. Open Banking live-connect joins these in Phase 2 (2027 H1) via an FCA-authorised AISP partner.

STEP 02

Add what we can't fetch

Pensions, life cover, property values, business holdings - added with guided questions or uploaded statements. We OCR the statement so you don't re-type.

STEP 03

Tell us about your life

21 click-only questions - sliders, tiles, multi-select. ~90 seconds, no typing. Household, dependants, residency, retirement age, pensions, jurisdiction. Each answer reshapes Tax, Cashflow, and Risk in real time.

STEP 04

See your picture

MyMoney lights up. Cashflow projects. Risk maps. Tax & Estate recompute. Ask is ready. The whole thing, on one screen, in plain English.

- What stays fresh

It updates itself.

Once connected, Sonuswealth refreshes itself daily. Bank balances, mortgage balances, investment values - all live. The bits we can't reach (pension values that need a manual login, property estimates) you nudge once a quarter.

Every UK Budget, every tax-year roll-over, every rule change - applied to your numbers automatically. You don't need to update us. We update the model.

- What we don't do

What you won't be sold.

No products to push

We don't sell pensions, ISAs, mortgages, or insurance. No drawer of "recommended providers".

No commissions

We don't take referral fees from any provider. The model is paid by you, or it's free.

No regulated advice

Sonuswealth is not FCA-authorised and doesn't give regulated financial advice. Every Ask reply shows the rule, source, assumption and consequence — for a personal recommendation, an FCA-authorised IFA is the right place.

No data sale

Your numbers are yours. We do not sell, share, or train models on them. See Trust & Security.

- Bank & provider compatibility

Connects to where your money already is.

Most UK banks, brokers, and pension providers let you export your data today - sonuswealth ingests it in Phase 1. Phase 2 (2027 H1) adds Open Banking live-connect via an FCA-authorised AISP partner - every UK high-street bank, every challenger, every major building society, and a growing set of pension and investment providers.

Banks (CMA9 + all others)

HSBC, Barclays, Lloyds, NatWest, Santander, Nationwide, RBS, plus Halifax, First Direct and most other UK banks. CSV / scan supported today; live Open Banking from Phase 2.

Challengers

Monzo, Starling, Revolut, Chase, Atom, Tide. CSV today; Open Banking live-connect from Phase 2.

Investment platforms

Hargreaves Lansdown, AJ Bell, Vanguard UK, Interactive Investor, Trading 212, Fidelity, Charles Stanley.

Pension providers

Aviva, Standard Life, Scottish Widows, L&G, NEST, Smart Pension, Pension Bee - direct read where available, statement upload otherwise.

Crypto

Coinbase, Kraken, Binance, on-chain wallets via address - values fetched, never custody.

Manual everything else

Property, life cover, business holdings, art, collectibles - add with guided questions, edit anytime.

- Loading your data

Three ways in. A fourth coming.

Three Phase-1 paths to bring your financial life into sonuswealth - CSV upload, statement scan, and guided manual entry. Open Banking live-connect arrives in Phase 2 (2027 H1) via an FCA-authorised partner. The engine treats every value the same way regardless of how it arrived: evidence-tagged, dated, confidence-scored.

Phase 1 - Path 1 - CSV / Excel upload

Drop your spreadsheet. Done.

Most banks, brokers, pension providers, and Indian platforms let you export your positions as CSV or Excel. Drop the file; the engine parses common formats, maps each row to an asset class, applies UK (and Indian, for NRI users) tax treatment, asks only where it's genuinely ambiguous.

Worked example: Raj exports his Indian mutual-fund holdings as CSV from his Indian broker. Sonuswealth ingests 17 holdings, maps each one, applies NRI tax treatment, surfaces the lot in MyMoney. Time: 2 minutes.

Phase 1 - Path 2 - Scan + OCR

Take a photo. Confirm. Done.

For paper statements, pension letters, P60s, will documents, life-cover policies. Scan with your phone or upload a PDF. The engine extracts the fields, shows you what it read, you confirm or correct. Works for UK statements and Indian-language documents.

Worked example: Paul photographs his Standard Life annual pension statement. Sonuswealth reads the current pot, transfer value, and projected income. Paul confirms in 30 seconds.

Phase 1 - Path 3 - Guided manual entry

Type it in. The engine does the rest.

For everything else: ancestral property valuations, business interests, art, jewellery, intent-based future cashflows. Guided forms with sensible defaults and the same engine reading the result. Voyant-grade depth made accessible for your own planning.

Worked example: Hannah types in four old workplace pensions from the letters she has, plus two more traced via the Pension Tracing Service. 14 minutes end-to-end onboarding.

Phase 2 - 2027 H1 - Open Banking

Live connect. Auto-refresh.

Coming in Phase 2 via an FCA-authorised AISP partner (TrueLayer / Yapily / Plaid UK). Connect UK banks, ISAs, and most consumer investment platforms for daily auto-refresh. Read-only, bank-grade, never holding your credentials. Phase 1 paths stay - Open Banking becomes the optional refresh layer for what UK banks expose.

Phase 1 today. Update once via CSV / scan / manual, the picture stays current. Open Banking adds the auto-update when it ships.

No re-entry, ever. Update a value via any path, every surface re-reads it. The engine treats every value as evidence-backed - you can always see what it was read from, when, and at what confidence level.

Privacy by design

Your numbers stay yours.

UK datacentres. Encrypted at rest (AES-256), encrypted in transit (TLS 1.3), per-user keys for sensitive fields. Phase 2 Open Banking will use an FCA-authorised AISP partner - read-only, bank-grade, never holding your credentials. We do not sell, share, or train AI on your data. Delete in one click; export in one click.

Read the full Trust & Security commitments →

First month

Free for early users.

No card needed. After the trial, a transparent monthly subscription - no per-account fees, no commissions.

One-click delete

No retention games.

Export everything, then delete everything. Confirmed in writing within 24 hours.

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Join the waitlist

Connect once.See everything.