About SavingsAI

Who We Are

SavingsAI is run by a team of financial professionals and AI technology enthusiasts with over 20 years of combined experience in banking and investment across Hong Kong and the United Kingdom. Having worked in both financial hubs, we've witnessed firsthand the stark differences in how savers approach their money in these two markets.

In Hong Kong, consumers actively research and compare savings rates, regularly switching banks to secure the best returns on their deposits. In contrast, we observed that many UK savers leave substantial sums in current accounts or low-interest savings products, often earning less than 0.5% while competitive accounts offer rates of 4% or higher. This disparity isn't due to a lack of good options—the UK banking market actually offers significantly more competitive rates than Hong Kong (where typical savings rates hover around 0.1%). Rather, it stems from the complexity and opacity of the UK savings landscape.

The Problem We're Solving

Unlike Hong Kong's relatively straightforward banking products, the UK market presents savers with an overwhelming array of options: instant access accounts, notice accounts, fixed-rate bonds, regular savers, cash ISAs, fixed ISAs, and more. Each product comes with its own terms, conditions, eligibility criteria, and rate structures. Making matters worse, most UK financial comparison websites focus predominantly on mortgages, loans, and credit cards—the products that generate referral commissions—while savings accounts receive minimal attention.

When we searched for comprehensive, unbiased savings rate comparisons, we found a significant gap in the market. The few sites that did cover savings accounts were either outdated, limited in scope, or clearly incentivized by affiliate relationships that compromised their objectivity. We knew there had to be a better way.

Our Mission

SavingsAI was created to be the comparison platform we wished existed: a free, transparent, and completely unbiased resource that helps UK savers make informed decisions about where to put their money. Our mission is simple—to ensure that no saver leaves money on the table due to lack of information or the complexity of comparing options.

How We Work

We've assembled a unique team that combines financial expertise with cutting-edge AI technology. Our "team members" include not just human financial professionals, but also advanced AI agents powered by Claude, Perplexity, Gemini, and our newest addition, Nvidia DGX Spark. This human-AI collaboration allows us to process vast amounts of data with a level of accuracy and speed that would be impossible manually.

Our Daily Process

Every single day, our automated workflow system—built on n8n multi-agent architecture—visits over 15 major UK banks and building societies, extracting data from their public websites. We currently track more than 90 distinct savings products, capturing interest rates, terms, conditions, eligibility requirements, and any special features or limitations. This information is then analyzed by our AI technology to identify trends, flag rate changes, and ensure data accuracy.

The result is a comparison platform that's refreshed daily with the latest information, giving you confidence that the rates and terms you're viewing are current. When you find a product that matches your needs, you can click through directly to the bank's website via Google search to verify the details and complete your application—we simply connect you with the facts.

Why You Can Trust Our Comparisons

Transparency and user trust are the cornerstones of everything we do. Here's what makes SavingsAI different:

• Complete Independence: We don't accept payments, commissions, or referral fees from banks. Ever. This is why we're not regulated by the Financial Conduct Authority (FCA)—we provide factual information only, not financial advice or intermediary services.
• Verify Everything: We encourage you to click through to each bank's website and confirm the information for yourself. Our role is to aggregate and present data clearly, not to act as an intermediary.
• No Data Collection: We respect your privacy completely. We don't require registration, don't track your personal information, and don't build profiles on our users.
• Simple and Clear: We cut through the jargon and present information in straightforward terms, helping you understand exactly what each product offers.
• Daily Updates: Unlike static comparison sites that may update monthly or quarterly, our AI-powered system refreshes data every single day.

Our Values

Our Approach to Financial Information

It's important to understand what we are—and what we're not. SavingsAI is an information platform, not a financial advisor or intermediary. We provide factual comparisons to help you make informed decisions, but we don't recommend specific products or tell you what to do with your money. That's a deliberate choice that keeps our service simple, accessible, and conflict-free.

As we provide factual information only and don't act as an intermediary or advisor, we are not regulated by the Financial Conduct Authority (FCA). We don't accept referral fees or commissions from banks, which means we can maintain our independence and focus purely on presenting accurate, unbiased data to help you research your options.

Looking Forward

We're constantly working to expand our coverage, add more banks to our daily scanning process, and enhance our comparison tools with new features. As AI technology evolves, so does our capability to provide even more valuable insights and analysis to UK savers.

Our goal is simple: to help every UK saver allocate their money efficiently and maximize their returns through better information and transparency. Whether you're saving £100 or £100,000, whether you need instant access or can lock funds away for years, we believe you deserve clear, unbiased information to make the best choice for your circumstances.