YOUR MONEY HAS A LOT TO TELL YOU

Talk to your money.

All your accounts.
All your spending. In one place.

Connect your accounts and Amex. Explore your
spending, estimated surplus cash, matched Pots and
Saving Score.

Read-only access. Your money stays in your control.
Paper cup of coffee on a table with overlaid chat-style text showing a question from Mike asking how much he spent on coffee this year and a reply from Stoa Agent stating he spent £2,436.80, with an additional note reading "There's coffee at the office, Mike."
One place.
A clearer picture.
Current accounts
Saving account
Amex
All connected to you.
ASK A BETTER QUESTION

Your bank balance is just the start.

Ask the questions you actually care about. Get a clearerview of the patterns behind your payments.

ENERGY
How much did I pay for energy last month?
TRAVEL
How much did I spend on flights?
GROCERIES
How much did I spend on groceries last month?
See your payments, month by month.
Bring your energy payments into view across your connected accounts.
Ask your Agent
FEATURE 1 / SPENDING INSIGHTS

Know where it all goes.

The coffee. The subscriptions. The “just one thing”
shopping trips. See your spending across connected
accounts and cards, together.

Get your chosen perks upfront, instead of waiting 12 months
Choose from 250+ perks, delivered as vouchers or via a Stoa virtual Mastercard
Designed for high earners who expect more from their money
Spending Insights infographic showing a donut chart with total spend of £2,840.00 for the period 1 Oct 2026 to 31 Oct 2026. Key spending categories include Rent £980.00/mo, Travel £620.00/mo, and Groceries £440.00/mo. Text boxes highlight small payments forming a bigger picture and that one merchant might involve three accounts.
FEATURE 2 / SURPLUS CASH

Your balance.
With context.

A balance tells you what’s there. Agent helps you
understand what could be left over, based on your
spending and saving patterns.

See estimated surplus cash across your accounts
Understand your income and outgoing patterns
Decide what you want to keep available
An estimate based on connected-account data, not a guarantee of cash available to spend or commit.
FEATURE 3 / MATCHED STOA POTS

Your spending. Your kind of perks.

You already know what you enjoy. Agent surfaces Stoa
Pots matched to your spending and saving patterns and
estimated surplus cash.

From the weekly shop to your next box set, explore perks
that connect to your everyday life.

Matches are information, not financial advice or an assessment of suitability. You choose whether to proceed. Pots require a separate deposit and fixed term; eligibility and terms apply.
FEATURE 4 / SAVING SCORE

Know your habits.
See your progress.

It’s not about how much you have. It’s about how you
save. Get a score from 100–999 built around retention,
allocation and regularity.

Not a credit score. No impact on your credit rating.
A LITTLE CONNECTION. A LOT MORE CLARITY.

Start with your main account.

Build the whole picture.

01

Meet your Agent.

Create your Stoa account to get started.

02

Connect your accounts.

Connect supported bank accounts and
credit cards with your permission.

03

Ask your first question.

Explore spending, estimated surplus cash,
matches and your Saving Score.

Your Agent sees. You decide.
Read-only access means Agent can analyse the accounts you connect. It cannot move your money or make purchases on yourbehalf.
Your privacy
GOOD QUESTIONS

Before you say hello.

What can I ask Stoa Agent?

Stoa turns your cash deposit into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown.

Can Agent move my money?

Stoa turns your cash deposit into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown.

How are Stoa Pots matched to me?

Stoa turns your cash deposit into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown.

Is my Saving Score a credit score?

Stoa turns your cash deposit into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown.

Do I need to open a Stoa Pot?

Stoa turns your cash deposit into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown.

Your Money. Let's talk.

Try Stoa Agent