# Kosh vs Your Bank App's Insights (RBC NOMI and More) > Bank apps like RBC NOMI now sort spending and flag unusual activity. What they do well, what they can't see, and where Kosh adds a plan across banks. Source: https://trykosh.com/compare/kosh-vs-bank-app-insights Compare - Kosh and your bank's app # Kosh vs your bank app's spending insights Canada's big banks have added spending insights to their apps, and RBC's NOMI is a well-known example. They're free and built in. Here's what they're good at, and where an AI CFO working across all your accounts adds something. Checked October 31, 2026Written by Kosh, so read with that in mind On this page[In short](#in-short)[Side by side](#side-by-side)[What bank-app insights do well](#what-they-do)[What they can't see](#what-they-cant-see)[What Kosh adds](#what-kosh-adds)[Do you need both?](#both)[FAQs](#faq) **In short** - Bank-app insights are free, automatic and good at the basics: categorizing spending, flagging unusual activity and, in RBC's case, moving spare cash to savings if you opt in. - They're built around accounts at that bank. Your card from another issuer, a TFSA elsewhere and your workplace plan generally aren't part of the picture. - Kosh reads statements from every bank and card you use, estimates your federal and provincial tax and plans RRSP, TFSA and FHSA contributions. - If all your money is at one bank and you just want to watch spending, your bank's app may be enough. ## Side by side Kosh Bank app insights (e.g. RBC NOMI) Cost Starter free; Pro CA$19 a month or CA$179 a year, with a 7-day free trial Included with the bank's app Accounts it sees Every bank, card and investment account you upload Accounts at that bank Spending categories Yes Yes Unusual activity Leaks and fee changes flagged monthly Yes, in-app alerts Moves money to savings No, never moves money RBC NOMI Find & Save, if you opt in Canadian tax estimate Federal and provincial Not part of the insights RRSP, TFSA, FHSA order Yes No Business model Earns only from subscriptions Run by the bank that offers you its products ## What bank-app insights do well RBC's NOMI Insights, inside the RBC Mobile app, categorizes your spending, helps you keep track of it and flags unusual activity. NOMI Find & Save, which you opt into, looks for spare cash in your account and moves it to savings. Other banks have added their own spending features; check your bank's app to see what it offers. The appeal is obvious: it's free, already on your phone and needs no setup. For someone with one bank and one card, that's a lot of value. ## What they can't see - **Other institutions.** If your credit card is from a different bank, or your TFSA is at an online brokerage, your bank's insights generally don't include it. - **Your tax.** Spending insights don't estimate your federal and provincial tax, your marginal rate or what an RRSP contribution would save. See [marginal vs average tax rate](/learn/marginal-vs-average-tax-rate). - **The order to save in.** Whether to fill an FHSA, TFSA or RRSP first depends on your income and plans, not on what one bank offers. - **Fees, read critically.** A monthly account fee is easy to miss in a summary of where your money went. Our [fee audit guide](/learn/subscription-and-bank-fee-audit) walks through how to find them. ## What Kosh adds Kosh is an [AI CFO](/learn/what-is-an-ai-cfo). You upload statements from every bank and card you use, and it builds one picture: income, fixed costs, spending, debt and savings across all of them. Then it works on the three jobs most people care about: saving money (fees, subscriptions, interest), saving on taxes (RRSP, FHSA, deductions and credits) and growing your wealth (which registered room to use, and what to do with idle cash). Kosh earns only from subscriptions. It doesn't sell accounts, cards or investments, and it doesn't recommend specific securities. ## Do you need both? Keep using your bank's alerts; they're free and quick. Add Kosh if your money is spread across more than one institution, or if you want tax and savings planning on top of spending insights. [Free tool**RRSP tax refund calculator**Find out how much tax an RRSP contribution saves you this year, and what it really costs once the refund comes back.](/tools/rrsp-calculator)[Free tool**Marginal tax rate calculator**See how much of your next dollar goes to tax in your province, on salary and interest, capital gains and dividends. It's the number that decides what an RRSP contribution saves and what a raise is worth.](/tools/marginal-tax-rate-calculator) **Where Kosh fits** Kosh works across banks, from statements you upload. It never asks for bank logins and can't move money, so it's a planner, not another account. ## Free tools to try first [Free tool**RRSP tax refund calculator**Find out how much tax an RRSP contribution saves you this year, and what it really costs once the refund comes back.](/tools/rrsp-calculator)[Free tool**Marginal tax rate calculator**See how much of your next dollar goes to tax in your province, on salary and interest, capital gains and dividends. It's the number that decides what an RRSP contribution saves and what a raise is worth.](/tools/marginal-tax-rate-calculator) ## Frequently asked questions What is RBC NOMI? NOMI is a set of features in the RBC Mobile app. NOMI Insights categorizes spending and flags unusual activity, and NOMI Find & Save, if you opt in, moves spare cash into savings. Can my bank app see my other credit cards? A bank's spending insights are generally built around accounts you hold at that bank. Cards and accounts at other institutions usually aren't included, so check your bank's app for what it supports. Is Kosh free like bank insights? Kosh Starter is free with one statement a month, a money summary, a top recommendation and 10 questions a month. Kosh Pro is CA$19 a month or CA$179 a year after a 7-day free trial. Does Kosh move money like Find & Save? No. Kosh never moves money or asks for bank logins. It tells you what to move and when, and you do it yourself. ## Sources - [RBC: NOMI Insights](https://rbcroyalbank.com/ways-to-bank/tutorials/nomi/nomi-insights.html) - [RBC: NOMI in the RBC Mobile app](https://www.rbcroyalbank.com/mobile/feature/nomi/index.html) Descriptions and prices of other products come from their public websites as of October 31, 2026 and may have changed since. Kosh is our product. Product names belong to their owners. Kosh is an educational financial planning tool by Primedepth Labs. It is not registered with any Canadian securities regulator as an adviser or dealer, does not recommend specific securities, and does not hold your money or execute trades. Tax figures are estimates; confirm with the CRA or a qualified professional before acting. Investing carries risk. ## See what Kosh finds in your statements. Upload one bank or card statement. Kosh maps your money, estimates your tax and shows the one thing to fix first. It never asks for bank logins and can't move money. [Start free](/signup?via=compare-kosh-vs-bank-app-insights)