Banking doesn't need 5 apps — Beluga gives you one
Join the waitlist for early access to multi-bank clarity and planned Deepsight AI insights — without switching banks.
How it works
Three simple steps to transform your financial life
Connect
Securely link accounts via Open Banking/Plaid. Read-only by default.
Sync & Score
Transactions normalize, balances unify, and your Beluga Point updates in real-time.
Get Coached
Deepsight™ insights, alerts, and budgeting rules guide next best actions.
Built for clarity
Everything you need to understand and improve your financial health
Deepsight™ Analytics
Position-aware insights, trends, and anomaly detection.
Beluga Point
A living index of financial health with coaching goals.
Unified Dashboard
All balances and cashflow in one clean view.
Budgeting Rules
Envelope logic, guardrails, and nudges.
Smart Alerts
Bill due, low balance, unusual spend, and goals.
Track transfers
Log planned transfers for your forecast and insights. Beluga is read-only — we never move your money.
Why Beluga stands out
Beluga Point vs traditional credit score
Living financial wellness score that updates with your behaviour and goals.
Traditional scores focus on credit history and can lag behind your current habits.
Deepsight™ vs basic budgeting
AI-powered cash flow forecasting, safe-to-spend and reasons behind the numbers.
Basic budgeting often means manual categories and little forward-looking insight.
Unified dashboard vs multiple bank apps
One view of all your accounts, net worth and goals with Open Banking.
Switching between several bank apps to see the full picture.
Loved by users
“Beluga unified my banks and gave me a clear Beluga Point. Feels like having a money coach in my pocket.”
“The Deepsight™ analytics turned messy statements into actionable insights in minutes.”
“Alerts + budgeting rules kept me on track. Score jumped 42 points in 8 weeks.”
Security & compliance
Your financial data is protected with bank-grade security
Open Banking
Read-only, tokenized access with consent management.
GDPR/UK GDPR
Data minimization, export, and deletion on request.
Bank-grade
TLS 1.3, AES-256 at rest, and strict key management.
Independent audits
Regular penetration testing & SOC-style controls.
Beluga is a regulated Open Banking AISP
We provide secure, read-only access to your financial data. We cannot move, withdraw, or transfer your money.
Simple pricing
Early access plans — join the waitlist now
Free
Perfect for getting started
- Connect 2–4 banks
- Live balances
- Beluga Point snapshot
- Basic alerts
Plus
For serious financial health
- Unlimited banks
- Deepsight™ analytics (planned)
- Full Beluga Point + coaching
- Advanced rules & alerts
Free trial available. Cancel anytime.
FAQ
Straight answers for waitlist and early access
Open Banking is a UK framework that lets you authorise regulated apps to access your account data via secure APIs. Your bank never shares your login password — only the read-only information you approve. Beluga plans to use this model; waitlist signup does not link a bank.
Get early access to Deepsight AI
Join the waitlist for planned multi-bank clarity and Deepsight AI insights — coming soon.