Quartz launches an AI-led personal finance platform in the UK

Quartz is a London-based personal-finance and wealth-guidance startup aiming to give people a fuller view of their money—and an AI interface to make that view more useful. Founded in 2025 by former Revolut executive André Silva and former N26 investment-product lead Mateus Mesquita Alves, the company launched its UK platform alongside a £2.75 million pre-seed round. 5

What Quartz does

The platform brings pensions, ISAs, savings and investment accounts into a single app. Quartz says it has built its own aggregation technology and proprietary connectors for pension and brokerage accounts, rather than relying only on a standard dashboard view. 28

That consolidated view is the foundation of the product. Instead of asking users to assess several providers and account types separately, Quartz is designed to assemble a financial picture in one place and use it as context for guidance.

Charlie is the AI layer

Quartz’s assistant, Charlie, is intended to interpret the combined account information alongside market developments. The company says Charlie can surface personalised insights, highlight information relevant to a user’s portfolio and goals, and answer questions about the portfolio. 31215

The pitch is therefore broader than account tracking: Quartz wants to offer the experience of an always-available “personal banker” at a lower cost than conventional wealth-management services. That is the company’s stated ambition, not a guarantee of financial outcomes. 3

How the £2.75 million is being used

Quartz raised £2.75 million in pre-seed funding led by Daphni, with participation from Outward VC and K Fund. The funding supports the UK launch of its AI-powered personal-finance platform and the company’s plan to scale the service. 37

The launch strategy appears to focus on building the underlying data layer and pairing it with a consumer-facing AI experience. That combination is central to Quartz’s effort to make personalised wealth guidance available beyond the customers who typically use high-touch private banking or wealth-management services. 38

What FCA AISP registration means

Quartz Digital Ltd appears in the FCA’s register as a Registered Account Information Service Provider, with a status effective date of 20 March 2026. 17

In practical terms, this registration is relevant to connecting to and consolidating customers’ financial information with their permission. Quartz and reporting on its launch describe this capability as allowing the service to connect to pensions, ISAs, savings and investment accounts that would otherwise remain fragmented. 11

It is important not to confuse account-information registration with permissions to provide regulated personal investment advice or manage customer money. Quartz’s public positioning is around personalised guidance and insights; people considering investment decisions should understand the service’s regulatory status and decide whether they need regulated advice for their circumstances. 117

Early access and reported traction

Quartz says it began testing the product in the first quarter of 2026. Reporting around the launch said the platform had tracked more than £10 million in members’ assets. 1216

Access is being released gradually to people on the UK waitlist, rather than as an unrestricted rollout. Quartz has said users can receive access by invitation in batches through its iOS and Android apps. 1

The bigger idea behind Quartz

Quartz’s product thesis is that the difficult part of personal finance is not only seeing account balances. It is bringing a person’s scattered financial data together, then delivering useful, timely context through a conversational interface.

Whether that approach becomes meaningfully useful will depend on the quality and coverage of its account connections, the reliability of Charlie’s insights, and clear boundaries between general guidance and regulated advice. For now, Quartz is a newly launched UK wealthtech platform using £2.75 million in pre-seed capital to test that model with a waitlisted audience. 3517