Does Hustle Report connect directly to my bank?

No. You export a statement (most UK banks let you export as CSV or OFX) and upload it. No bank credentials are stored.

Is Hustle Report Open Banking regulated?

We do not use Open Banking connections. Statement analysis is done on the uploaded file; no live account access is required.

Hustle Report vs Monzo / Emma: which finds more subscription savings in 2026

Monzo and Emma track your spending automatically if you bank with them. Hustle Report's bank analysis is bank-agnostic (upload any CSV or PDF), and pairs the subscription audit with side hustle and salary signals in one weekly report.

Monzo and Emma are genuinely good at showing you where your money goes — Monzo in real time, Emma via Open Banking connections. Hustle Report's bank analysis feature serves a different niche: it works with any bank (you export a statement, we analyse it), and the result lands in a weekly income report that also surfaces side hustle opportunities and salary benchmarks.

Choose Hustle Report if

You bank with a non-Monzo bank and want subscription analysis.
You want subscription savings alongside income growth signals.
You want a bank-agnostic tool that works with any CSV or PDF statement.

Choose Monzo / Emma if

You already bank with Monzo and want real-time spending feedback.
Automatic Open Banking sync matters more than a weekly report.
You want merchant-level spending categorisation.

Side by side

Feature	Hustle Report	Monzo / Emma
Bank compatibility	Any bank (CSV / PDF upload)	Monzo native / Open Banking
Real-time spending alerts	Not offered	Yes
Subscription detection	Yes, weekly report	Yes, real time
Side hustle matching	Yes	Not offered
Salary benchmarking	Yes	Not offered
Cost	£9.99 / month	Monzo free / Plus £5; Emma free / Pro £9.99

Pricing

Hustle Report

£9.99 per month, cancel anytime

Monzo / Emma

Monzo free banking with optional Plus/Premium; Emma free with paid tiers from £4.99/month

Verdict

If you bank with Monzo, keep using it for real-time spending. Use Hustle Report's weekly bank analysis on top to catch subscriptions that have crept in, and to pair the savings with income growth actions.

Frequently asked

Does Hustle Report connect directly to my bank?
No. You export a statement (most UK banks let you export as CSV or OFX) and upload it. No bank credentials are stored.
Is Hustle Report Open Banking regulated?
We do not use Open Banking connections. Statement analysis is done on the uploaded file; no live account access is required.