UK Open Banking · TrueLayer Powered

Your finances.
One vault.
Total control.

FinVault connects to your UK bank accounts in real time, forecasts your cash flow, tracks direct debits, and secures your credentials — all on infrastructure you own.

🔒 finvault.co.uk — Dashboard

Overview

April 2026
12-Month Forecast
Live
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Direct Debits
8 active
Sky TV£49.00
Spotify£11.99
GymDue 15th£35.00
Council TaxDue 20th£185.00
Secure Vault
Encrypted
🏦
First Direct
••••••••
🔒
💳
AMEX Online
••••••••
🔒
📋
HMRC Self-Assess
••••••••
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Features

Everything your finances need

Built for UK account holders who want full visibility without handing their data to a third party.

📊

Live Balance Dashboard

See all your current accounts and credit cards at a glance. Balances pulled live from your banks via Open Banking every time you open the app.

🔮

12-Month Forecast

Projects your cash flow across the full year by combining real transaction history with known direct debits and manual entries. Per-account or combined views.

🔄

Direct Debit Tracker

All your standing orders and direct debits in one place. Automatic matching to imported transactions shows paid, pending, and amount variances at a glance.

💳

Credit Card Settlement Intelligence

FinVault understands that paying your AMEX from First Direct is not new spending — it's a transfer. Our settlement detection engine automatically flags these payments so your expense totals are always accurate, with zero double-counting. Works across all four cards: AMEX, Virgin Money, Tesco Bank, and Halifax.

🔐

Credential Vault

Store bank logins, insurance account numbers, and financial credentials securely in the built-in vault. Never hunt for a login again.

🔔

Insurance Renewals

Track renewal dates for car, home, travel, and pet insurance. Know what's coming before the auto-renew deadline arrives.

📥

Transaction Import & Categorisation

Import up to 90 days of transactions from any connected bank. Auto-match to direct debits and manually assign categories to build a clear spending picture.

🏠

Self-Hosted & Private

Runs entirely on your own server. No cloud subscription, no data leaving your infrastructure. Your vault.json is yours — back it up, move it, own it.

How It Works

Up and running in minutes

Three steps from a blank server to a live financial dashboard connected to your real accounts.

01

Deploy to Your Server

Install FinVault on any Linux VPS. PM2 keeps it running, nginx provides HTTPS. Your data never leaves your infrastructure.

02

Connect Your Banks

Authenticate once via TrueLayer's Open Banking flow. FinVault connects to your UK current accounts and credit cards securely.

03

Get Full Visibility

Import transactions, let settlement detection run, and your dashboard becomes a live command centre for your finances.

Open Banking

Real data.
Read-only access.
No screen-scraping.

FinVault connects to your banks using the UK's regulated Open Banking framework via TrueLayer. You authenticate directly with your bank — FinVault only receives read-only access to balances and transactions.

Tokens are stored locally in your vault.json. They're refreshed automatically and never sent anywhere except back to the TrueLayer API to fetch your own data.

First Direct Nationwide AMEX Virgin Money Tesco Bank Halifax + 40 more UK banks
🏦
Your Bank
Regulated UK institution
🔗
TrueLayer Open Banking
FCA authorised, read-only OAuth2
FinVault (Your Server)
Transactions · Balances · Forecast
✓ Read-only access  ·  ✓ No credentials stored  ·  ✓ Your infrastructure only
Security & Privacy

Your data stays yours

No SaaS subscriptions. No third-party analytics. No vendor lock-in. Just a server you control.

🏠

Self-Hosted

Runs on your own VPS. Your vault.json lives on your hardware. Anthropic, TrueLayer, or any other party never sees your financial data.

🔑

Session Auth

Password-protected with per-session tokens. Sessions live in server memory and are wiped on restart. No cookies, no tracking.

🛡️

HTTPS by Default

nginx + Let's Encrypt provides free, auto-renewing SSL. All traffic between your browser and server is encrypted in transit.

📦

Portable Backups

A single vault.json file contains everything. Copy it anywhere, restore it instantly. You're never dependent on a vendor's export feature.

Early Access

Take command of
your finances.

FinVault is currently in private use. Join the waitlist to be notified when early access opens.

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