SmarCEO banking · early access

Every balance.
Every entity. Live.

Live bank balances across every account you hold, aggregated across every entity, with a 13-week cash view that joins what the bank says to what your accountant has booked.

Via TrueLayer · Plaid · GoCardless · Read-only, FCA-regulated

What it'll look like

The group,
in cash terms.

Group cash position
Live · as of this morning
£326,468.70
+£18,405 over 7 days
Entity
Bank
Account
Balance
7d Δ
Smar Hotels Ltd
Barclays Business
•••• 4821
£184,210.52
+£2,180
Smar Hotels & Leisure Ltd
HSBC Business
•••• 7739
£71,948.11
-£14,220
SMR Facilities Management
Lloyds Business
•••• 1104
£42,310.07
+£8,445
Smar Hotels Ltd · VAT reserve
Starling
•••• 2255
£28,000.00
±£0
4 accounts · 4 banks · 3 entitiesNext refresh: in 47 minutes

Numbers above are illustrative only.

Three things it unlocks

Not just a balance.
A cash picture.

01

Live balance, every account, one screen

Every current account, every reserve, every FX account — refreshed hourly, shown as a single group position on your dashboard and broken down by entity when you want the detail.

02

The cash picture, finally joined up

Your accounting tells you what the P&L says. Your bank tells you what actually cleared. Side-by-side, with the gap flagged — so a payment the accountant has not posted yet never lands as a surprise.

03

13-week rolling cash view

Known commitments (rent, payroll, loan servicing, VAT) subtracted from known receipts (recurring revenue, outstanding invoices with dated promises) — a week-by-week runway view, not a static balance.

Three providers

Pick one, or let us
pick for you.

TrueLayer
UK-first · 30+ banks
UK-born, FCA-regulated open-banking gateway with the strongest coverage of the big four (Barclays, HSBC, Lloyds, NatWest) plus Santander, Monzo, Starling, Metro, Tide and more.
Recommended for UK-only groups
Plaid
Global · UK · US · EU · CA
Global coverage from one connector. Right choice when your group has a US or Canadian entity, or banks across more than one jurisdiction.
Recommended for international groups
GoCardless Bank Account Data
EU-first · 2,500+ banks
Formerly Nordigen — the widest EU coverage of any open-banking provider. The fallback when a bank TrueLayer and Plaid do not yet reach.
Fallback · widest EU reach
Security posture

Read-only, revocable,
never your password.

  • ✓
    Read-only access — we cannot initiate a payment, create a payee, or move a penny.
  • ✓
    Short-lived per-bank tokens, encrypted at rest with AES-256-GCM, per-tenant isolation (same posture as Xero today).
  • ✓
    Revocable from your bank at any time, in one click from your banking app.
  • ✓
    No credentials pass through SmarCEO. Authorisation happens on your bank's own OAuth screen.
  • ✓
    PSD2-regulated providers only. We will never ask you to share a bank password.

Same posture as the Xero integration shipping today: per-tenant isolation, AES-256-GCM at rest, full audit log of every token issue. Read the full trust page →

Early access

Which banks
should we prioritise?

Tell us where you bank and we'll invite you the moment your banks are live. No marketing emails. One ping when it ships.

We only email about the banking launch. Unsubscribe any time.