Quartz is a UK wealth-tracking app built around an AI assistant called Charlie. It connects bank accounts, savings, pensions, investment platforms and other assets into one dashboard so users can see a wider picture of their finances.
The startup launched publicly in the UK in September 2026 after raising £2.75 million in pre-seed funding.
What does Quartz do?
Quartz is not another current account. It sits on top of financial accounts a user already has.
The app can connect information from areas such as:
- bank and savings accounts;
- ISAs;
- pensions;
- investment brokers;
- crypto holdings;
- other assets that can be entered or connected.
It then uses that combined picture to show net worth, portfolio changes, fees, allocation and other financial information.
What is Charlie?
Charlie is the AI assistant inside Quartz.
The company says Charlie learns about a user’s goals, risk comfort and preferences, then follows their connected financial picture and markets to highlight changes and issues that may matter.
Users can ask questions about their finances rather than only reading static charts.
Is Quartz a bank?
No. Quartz says it does not hold or move the user’s money.
The app has read-only access to connected information for the account-information service it provides.
Is Quartz regulated by the FCA?
Quartz Digital Ltd says it is registered with the Financial Conduct Authority as an Account Information Service Provider under reference number 1043690.
That registration relates to account-information services, which allow Quartz to securely retrieve financial data with the user’s consent.
It should not be interpreted as a blanket statement that every future AI recommendation is regulated financial advice. Quartz’s terms say its current website content does not constitute investment or regulated advice, while the company has also said it is working on further permissions.
Does Quartz see your bank password?
Quartz says it does not receive or store login credentials when a user connects supported payment accounts through regulated account-information flows.
Authentication takes place with the account provider, and users can later revoke access.
How long does bank access last?
Quartz’s app terms state that consent for account-information access lasts for 90 days before the user is asked to renew it, subject to applicable rules.
Users can also revoke consent earlier.
How much does Quartz cost?
Quartz currently advertises a 14-day free trial followed by a flat subscription of £16.99 per month or £169.99 per year.
The company says it does not take a percentage of the assets displayed inside the app.
Is there a minimum amount of money required?
No. Quartz says there is no minimum wealth threshold.
That is part of its positioning: offering a “personal banker” style overview to people who would not qualify for traditional private banking.
Who founded Quartz?
The company was founded by André Silva and Mateus Mesquita.
Silva previously worked at Revolut and has said the idea grew from seeing how digital banking improved access while personalised wealth guidance remained expensive.
Who invested in Quartz?
The September 2026 pre-seed round was led by Daphni, with Outward VC and K Fund also participating alongside individual investors from fintech.
Quartz said users had already connected more than £10 million of assets during its testing period.
Is Quartz legitimate?
There is strong evidence that Quartz is a real UK fintech rather than an anonymous app. It has a registered UK company, published founders and investors, public terms, a current product site and an FCA registration for account-information services.
That does not remove investment risk or make every AI-generated insight automatically correct.
What should users be careful about?
An AI system can analyse financial data but still make mistakes, misunderstand context or highlight something that is not appropriate for a specific person.
Treat important investment, tax or retirement decisions as decisions that deserve independent checking rather than accepting a chatbot response solely because it is personalised.
Who is Quartz useful for?
The strongest use case is someone with money spread across several accounts, pensions and investment providers who currently needs to log into multiple apps to understand their position.
The value is less obvious for a user with one simple bank account and no investments.
For more fintech and app explainers, see Holyprofweb’s Apps & Websites section.