Open banking sync
Connect current accounts and credit cards via Nordigen. Transactions pull automatically — no manual entry, no spreadsheets.
Every pound, in stunningly clear focus.
Pacio links your UK accounts, tracks every hidden charge, and puts an AI financial advisor in your corner — showing you exactly where your money leaks and how to seal it.
This month · net position
£2,480.12
Income
+£3,200
Committed
£1,940
Charges
−£74
Discretionary
£539
Barclays
Monzo
Lloyds
Halifax
NatWest
Starling
Revolut
Santander
Nationwide
HSBC
Barclays
Monzo
Lloyds
Halifax
NatWest
Starling
Revolut
Santander
Nationwide
HSBC
Works with 2,000+ UK banks via Open Banking
What Pacio does
A full financial cockpit.
Six tools that turn scattered bank data into a clear, actionable picture.
Charge tracker
Every overdraft fee and credit-card interest charge is flagged, totalled, and tracked month by month — see the real cost.
Smart categorisation
A rules engine handles your regulars. AI fills the gaps — and quietly learns your patterns over time.
Direct debit radar
Every committed expense mapped against the day your salary lands, so nothing catches you off guard.
Monthly snapshot
Income, expenses, charges, and net — four numbers, one screen, zero ambiguity about the month.
Budget alerts
Set spending limits per category and get a nudge at 80% — before the damage is done, not after.
£612
Average yearly charges Pacio exposes
2,000+
UK banks supported via Open Banking
90 days
Open Banking consent, renewed quarterly
Real-time
Alerts before you overspend — not after
How it works
Live in minutes.
01
Connect your banks
Pick any UK institution and authenticate directly with your bank. We never see your credentials.
02
Data syncs
Pacio pulls your history, flags recurring commitments, and categorises automatically.
03
See the picture
Salary, committed costs, discretionary spend, and charges — your financial health at a glance.
04
Ask the AI
Get a personalised recovery plan and know exactly which habit to change first.
✦
Pacio AI advisor
Online
You
Why does my balance always drop so fast after payday?
Pacio
Your committed expenses — rent, direct debits, subscriptions — consume most of your salary in the first few days. What remains is your real discretionary budget, and right now your spending exceeds it.
Pacio
Based on your balance and current charges, minimum payments will cost far more over time. I'd tackle your highest-rate debt first — likely your overdraft. Want a month-by-month payoff plan?
AI financial advisor
Your personal CFO,
always on.
Not generic tips — advice grounded in your actual salary date, your actual charges, your actual patterns. Pacio reasons about your numbers like a senior advisor would.
- Month-by-month recovery plans
- Proactive overdraft warnings
- Personalised spending insights
Stop losing money
to charges. Start today.
Free to use. No card required. UK banks supported via Open Banking.