Moneyhub Has Closed: What to Use Instead

The short version first. Moneyhub's help centre article of 30 June 2026 said the consumer app would be sunsetted and no longer available from 31 July 2026, and that date has now passed. You can no longer log in and you can no longer reach your data through the app. Anyone who had not either migrated their account or exported and closed it by then had everything remaining deleted automatically, in line with GDPR, in Moneyhub's own words.

One date, and the confusion about it

The wrong date is still in circulation and still being republished. A good deal of third-party coverage of the closure quoted a date in mid-August 2026. Moneyhub's own guidance never did. If you are reading a page that still tells you to export before a date in August, it is wrong, and it was wrong when it was written. The general lesson outlives this particular closure. Check a deadline against the company's own source rather than against coverage of it, because coverage repeats itself and the cost of being wrong here was somebody's entire transaction history.

What is actually happening

Moneyhub is not going out of business. It is leaving the consumer market. The company supplies open banking technology to banks, pension providers and insurers, and in its own words it has taken the decision to focus on supporting enterprise businesses. The platform and the engineering carry on. The app people used directly does not.

This has been winding down for a while. The Moneyhub press page announced on 1 July 2025 that WPS Advisory would take over management of the app. The 31 July 2026 date is the firm one for the consumer app.

Option one: move across to WPS LifeStage

Moneyhub has handed the app to WPS Advisory, an existing client of theirs, which runs an app called WPS LifeStage. It sits on the same platform the Moneyhub team built, so it should feel familiar rather than like starting from scratch. WPS Advisory Limited is authorised and regulated by the Financial Conduct Authority, register number 624546.

The migration ran inside the Moneyhub app, by logging in before 31 July and following the prompts on the dashboard, so that route is closed now. If you missed the window, LifeStage Money is the nearest equivalent, but you would be setting up your account connections again rather than carrying anything across. Check its app store listing for current pricing.

The details that are easy to miss

• If Moneyhub support ever gave you a free or extended subscription period as a goodwill gesture, it does not carry over. WPS applies its own policies and subscription structure, so a comped account is not necessarily still comped after the move.
• The app has already been pulled from the app stores and subscriptions can no longer be renewed. If you cannot get in on your phone, Moneyhub points users to log in through a web browser instead.
• WPS LifeStage is not simply Moneyhub with a new logo on it. Alongside the account view it adds its own services, including insurance comparison, subscription and deal tracking, and a route to regulated financial advisers. Whether that reads as a bonus or as clutter depends on what you wanted the app for.
• Migrating hands your financial data to a different company under a different privacy policy. It is a decision, so read the terms rather than tapping past them.

Option two: take your data and close the account

This was the other option while the app was live: log in before 31 July, download a CSV of your transaction data for your own records, then delete the account and its stored data from Settings, then My Account. Export first, delete second. That door has shut, but the advice inside it is the part worth keeping for the next app that closes. Export before you decide anything. A CSV sitting in a folder costs nothing and keeps every option open, and doing nothing was the only genuinely bad choice available, because doing nothing was the same as choosing deletion.

One route may still be open, and it costs an email to find out. Moneyhub’s privacy policy says you have the right to access the information held about you and can ask for a copy at any time, giving support@moneyhub.com as the contact. What survives a closure that deleted remaining accounts is genuinely unclear, so treat it as worth asking rather than as a way to get your history back.

If you are reading this after 31 July 2026

Then the account and the export have gone, which is irritating rather than serious. Very little of what a spending tracker held was irreplaceable. Your banks still hold your statements and you can download them directly from each provider, usually going back years. What you lost was the categorisation and the single combined view, not the underlying records. Rebuilding from statements is tedious, not impossible, and it is a reasonable moment to ask whether you want that job automated again or whether you would rather spend the effort on the part that looks ahead.

Choosing a replacement: split the job in two

The mistake people make when an app closes is to hunt for a clone of it. Moneyhub did two quite different jobs at the same time, and it is worth deciding which of them you actually valued before signing up to anything.

The first job is aggregation: connecting to your accounts through open banking, pulling in balances and transactions, and showing you what you have and what you spent. The second is planning: working out what happens next, whether the mortgage renewal is affordable, what a career break does to the balance, when the debts are genuinely clear.

Most replacements are strong on the first and thin on the second. A few are the other way around. If you go looking for one product that does both perfectly you will probably be disappointed, and plenty of people end up running one of each quite happily.

There is a fuller version of that argument, including what to check before you commit to anything, in our guide to Moneyhub alternatives. Worth ten minutes before you sign up to the first thing you find.

Where CrestCast fits, and where it does not

CrestCast does not replace the aggregation half of Moneyhub. There is no bank connection and no open banking, and nothing watches or categorises your day-to-day spending.

The reasoning behind that is set out separately.

What CrestCast does replace is the planning half. You enter your income, bills, assets and debts, and it forecasts the household forward: cashflow, profit and loss, and net worth across months and years, with UK income tax, National Insurance and student loan repayments handled properly rather than approximated. You can model a decision before you make it and compare it against carrying on as you are.

Pension balances show up in the net worth picture, and there is no retirement planning feature. Setting it up is a sitting at the kitchen table rather than a tap: you enter your own figures, though you can shortcut the recurring ones by reformatting a bank statement export into a simple date, description and amount CSV, which CrestCast reads on your device and turns into proposed bills and incomes.

If you are weighing a forecasting tool against a connected tracker, our CrestCast vs Lumio comparison works through the same trade-off against a bank-connected app built for couples.