[ ai agents for financial services ]
The financial services AI agent built for trust
What does a transfer to Germany cost me?
Depends how fast you need it. Three ways from your account:
Standard transfer
2-3 working days
Same-day SEPA
Arrives before 17:00
Priority SWIFT
Within 2 hours
Same-day SEPA
From your current account, arrives before 17:00
£4.50
Rate held for 15 minutes
Send it. €2,400 to my landlord.
Transfer drafted, confirm in your app
- €2,400 to Klaus Berger · SEPA
- Arrives before 17:00 if you confirm by 14:00
- Fee £4.50, at the rate quoted
Nothing moves until you approve it
Convert high-intent visitors into confident signups
Answer the questions that make or break a conversion. Guide people on rates, limits and features in real time, so a prospect becomes a confident customer rather than a lost one. Because Algomo calls the same endpoints your own product pages call, the rate it quotes is the rate the application will open at.
- Real-time eligibility and rate estimates
- Feature comparisons and benefit breakdowns
- Account type recommendations
- Abandoned application recovery
I want a business account. Which one fits?
Three fit a limited company. Turnover decides which:
Starter
Under £85k turnover
Business Plus
Multi-user, no FX fee
Corporate
Dedicated manager
Business Plus
Multi-user, no FX fee, free transfers in the EU
£12/mo
You clear the eligibility rules
That one. How long does it take to open?
Application started
- Company details pulled from Companies House
- Photo ID and one director left to verify
- Account number issued on approval
Around 8 minutes
Activate approved users in minutes, not days
Speed wins in fintech. Guide people through verification, funding and the first transaction with support that answers at the moment they stall, which is where the drop-off actually happens rather than at the form itself.
- Identity verification (KYC/AML) assistance
- Account funding and first transaction support
- Feature activation and onboarding flows
- Document chase and re-upload
Approved, but the app won't let me send money.
One check is still open. Nothing else is blocking you.
Two steps left
- Photo ID verified
- Proof of address still needed
- Fund with £1 to activate transfers
Around 3 minutes
Uploaded the bank statement.
Address verified
- Statement accepted
- £1 test payment cleared
- Transfers open, £25k daily limit
You are fully activated
Scale support for millions of daily transactions
Handle the routine and the critical in the same place, from a balance check to a disputed charge. A declined card abroad is a support ticket, a ruined evening and a churned customer in that order, so Algomo reads the decline reason off the account and fixes what it is allowed to fix.
- Transaction inquiries and payment support
- Declines, freezes and limits explained
- Disputes opened with the evidence attached
- Fraud flags escalated to a human at once
My card just got declined in Lisbon.
It tripped the travel rule, not a limit. I have added the travel notice; the unblock needs your PIN in the app.
Travel notice added
- Lisbon, to 03 May
- Card unblock waiting for your PIN in the app
- No other block on the account
Then try the payment again
Worked. Why did it trip at all?
What triggered it
- First payment outside the UK in 9 months
- Contactless, no PIN, above €45
- Merchant new to your account
The travel notice stops it repeating
Grow revenue per user with intelligent engagement
Usage patterns become growth opportunities. Recommend the product that fits, re-engage a dormant account at the right moment, and keep a customer who was about to switch. Algomo knows what they already hold, so the next thing it says is relevant rather than a campaign.
- AI-driven product recommendations
- Proactive re-engagement campaigns
- Retention offers based on behaviour patterns
- Renewal and maturity reminders
Am I getting a decent rate on my savings?
Not since March. Your balance now clears a better tier.
Show me the better rate1-Year Fixed Saver
You qualify on balance and tenure
4.6%2.1%
Rate fixed for 12 months
Move £15,000 into it.
Fixed saver application started
- £15,000 from your current account, pending your confirmation
- 4.6% fixed to 03 May 2027
- Interest paid at maturity
Confirm the move in your app; 14 days to change your mind
Governance your auditors and your customers both trust
Move fast without breaking compliance. Every answer is traceable to the system it came from, every interaction is logged, and the line where a question becomes regulated advice is enforced rather than hoped for. A person finishes anything that has to be finished by a person.
- Complete audit trails for regulatory review
- Real-time policy enforcement and guardrails
- Every answer traced to its source system
- Handover to an adviser when it becomes advice
Should I move my pension into this?
That one is advice, so I don't answer it. Booking a person.
Pick a timePassed to a qualified adviser
- Whole conversation attached
- Adviser call offered for Thursday
- Nothing moves without your sign-off
Regulated step, so a person finishes it
Thursday afternoon works.
Booked with a pension adviser
- Thursday 03 May, 14:30, 45 minutes
- Your holdings summary sent ahead
- Recorded, and the notes come to you
Move or cancel it any time
The questions that fill your queue
Where is my application
The single most common call in retail banking, answered from the same case system your staff read, at the moment it is asked.
Why was I declined
Algomo reads the decline reason on the account and says it plainly, instead of leaving the customer to guess between fraud, funds and a limit.
What does this fee mean
Fee and charge questions are lookups against your own published schedule, so the answer matches what the statement will say.
The regulated question
Anything that becomes advice stops being automated. Algomo hands it to a qualified person with the full thread, rather than improvising an answer.
The out-of-hours panic
Cards fail at midnight. A frozen card and a travel notice do not need to wait for the contact centre to open.
The dispute, opened properly
Algomo collects the merchant, the amount and the date, and opens the dispute with the evidence attached instead of a callback slot.
Questions, answered
Can an AI agent give financial advice?
No, and Algomo is configured not to try. Anything that crosses into advice is handed to a qualified person with the conversation attached, so the customer does not start again.
How does it read account data?
Anything a signed-in customer can already see on your site, the agent reads in their own session. Anything only your staff can reach, we connect with you. It only ever reads what that customer could read themselves.
What about the audit trail?
Every turn is logged with what was read and what was said. A handover carries that record with it rather than summarising it away.
Does it work with our core banking system?
It works against whatever your website already talks to. If a page in your online banking can show it, the agent can read it.
How do we stop it acting on money?
Actions are allow-listed. Reading a balance, adding a travel notice and drafting a transfer are separate permissions, and the last one can be left off entirely.
[ next step ]