Quartz is a mobile personal finance app that aggregates bank accounts, investments, pensions, and crypto into a single net-worth view. Its AI assistant, Charlie, provides personalized financial assessments, portfolio diagnostics, and weekly updates on risks and opportunities. The app is FCA-registered and uses on-device credential storage so login details never leave the user's phone.
Funding
£2.8M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
GBKFPGFounders
Product
Problem
Individuals often struggle to get a clear, consolidated view of their financial lives, as assets are scattered across multiple banks, brokers, pension providers, and crypto exchanges. This fragmentation makes it difficult to assess net worth, understand portfolio performance, and plan effectively for future goals, leading to missed opportunities and unmanaged risks.
Solution
Quartz provides a mobile app that acts as a personal banker, aggregating all financial accounts into a single, up-to-date net worth figure. The app's AI assistant, Charlie, learns about the user's goals, risk tolerance, and constraints to deliver personalized financial assessments and diagnostics. It analyzes real transaction data to explain what is driving returns, highlights hidden fees and FX costs, and identifies where allocation has drifted. Quartz sends weekly updates on what changed in the user's portfolio, why it matters, and flags new risks and opportunities, helping users stay on top of their long-term plans.
Target Audience
Primary users are individual retail investors and savers in the UK who want a comprehensive, automated view of their finances and personalized guidance to reach their financial goals.
Features
- Unified dashboard that connects and displays bank accounts, investments, pensions, and crypto as one consolidated net worth number
- AI assistant "Charlie" that personalizes insights based on user goals, risk comfort, and preferred level of detail
- Automated financial assessment covering net worth, investor type, portfolio gaps, risks, and retirement outlook
- Weekly portfolio reports detailing real returns, fee and FX impact, allocation drift, and emerging risks or opportunities
- On-device credential storage architecture ensuring user login details never leave the phone
- FCA-registered as an Account Information Services Provider (FRN 1043690)