Multi-bank aggregation
One connection through regulated Open Banking APIs. Santander, BBVA, Sabadell, Revolut, CaixaBank, ING — every account and card in a single layer.
Your AI financial copilot · built for Spain
Stop tracking balances.Start understanding what you can actually spend.
Linaa connects all your Spanish bank accounts and credit cards into a single intelligent layer. Real-time cash-flow clarity, powered by AI.
Linaa · true balanceLive
3 banks · 2 cards · synced 2 min ago
What your banks show
€9,850
Santander €5,900 · Sabadell €2,180 · Revolut €1,770
What September still costs you
- Rent & utilitiesDUE SEP 01−€2,480
- Subscriptions11 ACTIVE−€210
- Card settlementsDUE SEP 05−€4,260
- Travel fundAUTO-SAVE−€1,470
Spoken for · €8,420Safe · €1,430
Safe to spend · until payday Sep 30
€1,430
Travel-fund goal intact · no fees pending
The problem
Your money is scattered. Your answer shouldn't be.
The old way · fragmented
Santander
€5,900
Balance only
Sabadell
€2,180
Balance only
Revolut
€1,770
Balance only
Three apps. Three balances. A direct debit hiding in one, a card settlement due in another — and zero idea what they add up to.
You, on the 28th
“Can I afford the €700 trip this weekend? No idea. Maybe?”
The Linaa way · unified
“Linaa, can I buy these tickets today?”
Yes. You'll have €730 safe after the €700 — enough to keep your €300 auto-save on track and end the month with €430 to spare.
Every account, card, bill and goal — one question away. Linaa answers with numbers, not guesses.
How it works
From fragmented to fluent, in three steps.
- 01
Connect your banks
Link Santander, BBVA, Sabadell, Revolut and the rest in about two minutes through regulated Open Banking. Linaa never stores your credentials.
- SAN
- BBVA
- SAB
- REV
- CAIXA
- ING
- + more
- 02
Linaa reads the whole picture
Bills, subscription renewals, card settlements and savings goals across every account — reconciled into one live forecast of your true available state.
- 03
Ask what you can actually do
Safe-to-spend today, this week, this month. Ask in plain language, get a number you can trust — before you commit the money.
What Linaa does
The engine behind the number your bank will never show you.
True available state engine
Predictive cash-flow forecasting for recurring bills, subscription renewals and card settlements — re-scored with every transaction that lands.
Proactive AI agent
Linaa doesn't wait to be asked. Smart alerts tell you when to shift money between accounts to dodge fees or keep a goal on track.
Linaa · tomorrow 9:00
Move €200 from Revolut to your Santander card before Friday — you'll avoid a €35 late fee.
Privacy & security first
Bank-grade encryption, read-only connectivity and explicit authorization for every action. Linaa can look at your money — it can never move it without you.
PSD2 · Open Banking compliant
Regulated EU account aggregation
256-bit encryption
End to end, at rest and in transit
Read-only guarantee
Linaa can look — never touch
Meet Linaa
Ask your money anything.
Not dashboards. Not spreadsheets. A copilot that has read every account you own — and answers like it.
Linaa
online · reading 3 banks
How much should I save this month?
You have €1,200 of bills due before payday and your card payoff lands next week. Moving €350 to savings keeps you safe — you'd end the month with €430 to spare.
Ask your money anything…
FAQ
Questions, answered.
Is Linaa officially connected to my bank?
Yes. Linaa connects through regulated Open Banking APIs under PSD2 — the same European framework that lets licensed providers access your accounts with your explicit consent. Your bank never shares your password with us, and you can revoke access at any time from Linaa or your bank.
Can Linaa move my money?
Not without you. Today Linaa runs on read-only access: it analyzes, forecasts and advises, but every action — like moving money to savings — is drafted by Linaa and confirmed by you, explicitly, every time.
Which banks are supported?
All major Spanish banks and neobanks: Santander, BBVA, Sabadell, CaixaBank, ING, Revolut, and more through Open Banking. If your bank is in Spain, Linaa can almost certainly read it.
What happens to my data?
It stays yours. Everything is encrypted with 256-bit encryption in transit and at rest, hosted in the EU, and processed under GDPR. Linaa never sells data, never shares it with advertisers, and never uses it to train models without your explicit opt-in.
What does early access include?
Founding members get Linaa free during early access and help shape what we build next — priority features, new banks, and the AI behaviors you want most. First invites go to Spain-based multi-bankers.
Your banks know your balances.
Linaa knows your money.
Join early access and be among the first to see what you can actually spend. First invites go to Spain-based multi-bankers.