51.8%
The Insight Seeker
Insight Seekers saved moneyUsers who use AI to understand their financial habits and discover new opportunities save nearly twice as often.
AI in Finance Report
While the conversation around AI is stuck on hype and efficiency, we asked a simpler question. What are people actually doing with it?\n\nWe found a direct link between the honesty users feel with AI and the money they save. This report unpacks who gets the most out of it, why, and how that mindset differs across the globe.
AI in Finance Report
While the conversation around AI is stuck on hype and efficiency, we asked a simpler question. What are people actually doing with it?\n\nWe found a direct link between the honesty users feel with AI and the money they save. This report unpacks who gets the most out of it, why, and how that mindset differs across the globe.
AI in Finance Report
While the conversation around AI is stuck on hype and efficiency, we asked a simpler question. What are people actually doing with it?\n\nWe found a direct link between the honesty users feel with AI and the money they save. This report unpacks who gets the most out of it, why, and how that mindset differs across the globe.
What kind of AI user are you?
We asked bunq users how AI shows up in their money habits—and what that means for saving.
32.9%
The Time Saver
Time Savers saved moneyUsers who focus on AI's ability to automate tasks and speed up chores see moderate success in saving.
20.6%
The Cost Cutter
Cost Cutters saved moneyBy focusing only on cutting immediate costs, this group sees the lowest rate of financial improvement.
What kind of AI user are you?
We asked bunq users how AI shows up in their money habits—and what that means for saving.
51.8%
The Insight Seeker
Insight Seekers saved moneyUsers who use AI to understand their financial habits and discover new opportunities save nearly twice as often.
32.9%
The Time Saver
Time Savers saved moneyUsers who focus on AI's ability to automate tasks and speed up chores see moderate success in saving.
20.6%
The Cost Cutter
Cost Cutters saved moneyBy focusing only on cutting immediate costs, this group sees the lowest rate of financial improvement.
What kind of AI user are you?
We asked bunq users how AI shows up in their money habits—and what that means for saving.
51.8%
The Insight Seeker
Insight Seekers saved moneyUsers who use AI to understand their financial habits and discover new opportunities save nearly twice as often.
32.9%
The Time Saver
Time Savers saved moneyUsers who focus on AI's ability to automate tasks and speed up chores see moderate success in saving.
20.6%
The Cost Cutter
Cost Cutters saved moneyBy focusing only on cutting immediate costs, this group sees the lowest rate of financial improvement.
How you approach the technology directly predicts your financial success
Beyond the hype, AI's real value is surprisingly practical: it has become a safe space to ask the money questions we hesitate to ask a person. This judgment-free zone unlocks a powerful honesty that leads directly to saving real money. But the story doesn't end there. For many, rehearsing these difficult conversations with AI builds the confidence to finally have them with the people who matter most.
How you approach the technology directly predicts your financial success
Beyond the hype, AI's real value is surprisingly practical: it has become a safe space to ask the money questions we hesitate to ask a person. This judgment-free zone unlocks a powerful honesty that leads directly to saving real money. But the story doesn't end there. For many, rehearsing these difficult conversations with AI builds the confidence to finally have them with the people who matter most.
How you approach the technology directly predicts your financial success
Beyond the hype, AI's real value is surprisingly practical: it has become a safe space to ask the money questions we hesitate to ask a person. This judgment-free zone unlocks a powerful honesty that leads directly to saving real money. But the story doesn't end there. For many, rehearsing these difficult conversations with AI builds the confidence to finally have them with the people who matter most.
Global trends in financial AI adoption
The UK highlights a clear generational and behavioral divide. Younger Brits are saving significantly more with AI, and those who use it across multiple financial tasks see their savings triple. For a quarter of Brits, it has also become a private confidant for honest money conversations.
Working Abroad Snapshot
What users expect while using AI for personal finance
Saving Time
37
Better financial insights
25
Personalized recommendations
13
Saving costs on financial services
25
Global trends in financial AI adoption
The UK highlights a clear generational and behavioral divide. Younger Brits are saving significantly more with AI, and those who use it across multiple financial tasks see their savings triple. For a quarter of Brits, it has also become a private confidant for honest money conversations.
Working Abroad Snapshot
What users expect while using AI for personal finance
Saving Time
37
Better financial insights
25
Personalized recommendations
13
Saving costs on financial services
25
Global trends in financial AI adoption
The UK highlights a clear generational and behavioral divide. Younger Brits are saving significantly more with AI, and those who use it across multiple financial tasks see their savings triple. For a quarter of Brits, it has also become a private confidant for honest money conversations.
Working Abroad Snapshot
What users expect while using AI for personal finance
Saving Time
37
Better financial insights
25
Personalized recommendations
13
Saving costs on financial services
25
How users are engaging with AI for personal finance
We asked bunq users how AI shows up in their money habits—and what that means for saving.
The generational divide
Younger Brits are three times more likely than Boomers to have saved over £500 with AI in the past year.
More use, more savings
Using AI for multiple financial tasks triples the average savings compared to using it for just one.
An honest confidant
One in four Brits admit to being more honest about their spending with AI than with another person.
Automation alone is not enough
Users who lean on AI for speed save less than those who use it to understand their habits first.
How users are engaging with AI for personal finance
We asked bunq users how AI shows up in their money habits—and what that means for saving.
The generational divide
Younger Brits are three times more likely than Boomers to have saved over £500 with AI in the past year.
More use, more savings
Using AI for multiple financial tasks triples the average savings compared to using it for just one.
An honest confidant
One in four Brits admit to being more honest about their spending with AI than with another person.
Automation alone is not enough
Users who lean on AI for speed save less than those who use it to understand their habits first.
How users are engaging with AI for personal finance
We asked bunq users how AI shows up in their money habits—and what that means for saving.
The generational divide
Younger Brits are three times more likely than Boomers to have saved over £500 with AI in the past year.
More use, more savings
Using AI for multiple financial tasks triples the average savings compared to using it for just one.
An honest confidant
One in four Brits admit to being more honest about their spending with AI than with another person.
Automation alone is not enough
Users who lean on AI for speed save less than those who use it to understand their habits first.
AI adoption across markets
We asked bunq users how AI shows up in their money habits—and what that means for saving.
Survey results
When it comes to my finances, the #1 thing I want AI to do is...
Reduce my mental load (saving time, reminders, forecasting, organisation, budgeting).
15
Help me avoid costly mistakes (fees, overdrafts, duplicate payments)
26
Protect me from fraud
33
Give me valuable insights about my financial situation
10
Grow my money and get better results
16
AI adoption across markets
We asked bunq users how AI shows up in their money habits—and what that means for saving.
Survey results
When it comes to my finances, the #1 thing I want AI to do is...
Reduce my mental load (saving time, reminders, forecasting, organisation, budgeting).
15
Help me avoid costly mistakes (fees, overdrafts, duplicate payments)
26
Protect me from fraud
33
Give me valuable insights about my financial situation
10
Grow my money and get better results
16
AI adoption across markets
We asked bunq users how AI shows up in their money habits—and what that means for saving.
Survey results
When it comes to my finances, the #1 thing I want AI to do is...
Reduce my mental load (saving time, reminders, forecasting, organisation, budgeting).
15
Help me avoid costly mistakes (fees, overdrafts, duplicate payments)
26
Protect me from fraud
33
Give me valuable insights about my financial situation
10
Grow my money and get better results
16
The New Rules of Financial AI
Three patterns from our research on how people use AI for money—and what actually leads to saving.
No judgment, just data
People are more honest about their spending with AI than with humans. This judgment-free interaction is unlocking more candid conversations about money.
From skeptic to super-user
Adoption is outpacing trust. Across markets, users are embracing financial AI for its convenience, even while remaining skeptical of the advice it provides.
Humans Want to Stay in Control
Users see AI as a financial co-pilot, not an autopilot. Over 90% prefer AI as a decision-support tool rather than an autonomous decision-maker.
Saving follows understanding
The strongest savers use AI for insight first, not just faster bill pay or admin.
The New Rules of Financial AI
Three patterns from our research on how people use AI for money—and what actually leads to saving.
No judgment, just data
People are more honest about their spending with AI than with humans. This judgment-free interaction is unlocking more candid conversations about money.
From skeptic to super-user
Adoption is outpacing trust. Across markets, users are embracing financial AI for its convenience, even while remaining skeptical of the advice it provides.
Humans Want to Stay in Control
Users see AI as a financial co-pilot, not an autopilot. Over 90% prefer AI as a decision-support tool rather than an autonomous decision-maker.
Saving follows understanding
The strongest savers use AI for insight first, not just faster bill pay or admin.
The New Rules of Financial AI
Three patterns from our research on how people use AI for money—and what actually leads to saving.
No judgment, just data
People are more honest about their spending with AI than with humans. This judgment-free interaction is unlocking more candid conversations about money.
From skeptic to super-user
Adoption is outpacing trust. Across markets, users are embracing financial AI for its convenience, even while remaining skeptical of the advice it provides.
Humans Want to Stay in Control
Users see AI as a financial co-pilot, not an autopilot. Over 90% prefer AI as a decision-support tool rather than an autonomous decision-maker.
Saving follows understanding
The strongest savers use AI for insight first, not just faster bill pay or admin.
Read the full AI in Finance Report
See how AI habits differ by generation, use case, and attitude toward automation.
Read the full AI in Finance Report
See how AI habits differ by generation, use case, and attitude toward automation.
Read the full AI in Finance Report
See how AI habits differ by generation, use case, and attitude toward automation.
About the Data
The survey was conducted by Pollfish on behalf of bunq in February 2026, with 7,000 respondents across 7 countries: France (1,000), Germany (1,000), Ireland (1,000), the Netherlands (1,000), Spain (1,000), the United Kingdom (1,000) and the United States (1,000). The objective was to understand public perception of AI in finance including the extent to which people have adopted AI tools for money management, the benefits and concerns they associate with them, and how AI is influencing the way they think about and organise their finances.
About the Data
The survey was conducted by Pollfish on behalf of bunq in February 2026, with 7,000 respondents across 7 countries: France (1,000), Germany (1,000), Ireland (1,000), the Netherlands (1,000), Spain (1,000), the United Kingdom (1,000) and the United States (1,000). The objective was to understand public perception of AI in finance including the extent to which people have adopted AI tools for money management, the benefits and concerns they associate with them, and how AI is influencing the way they think about and organise their finances.
About the Data
The survey was conducted by Pollfish on behalf of bunq in February 2026, with 7,000 respondents across 7 countries: France (1,000), Germany (1,000), Ireland (1,000), the Netherlands (1,000), Spain (1,000), the United Kingdom (1,000) and the United States (1,000). The objective was to understand public perception of AI in finance including the extent to which people have adopted AI tools for money management, the benefits and concerns they associate with them, and how AI is influencing the way they think about and organise their finances.