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Money magagement apps - See all your finances in one place

Money saving apps 

Money saving apps - Save without thinking

Other

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Free

price | 

A sleek app that focuses mainly on where and how you could save money e.g. comparing and offering better deals on household bills and cancelling unwanted subscriptions.

200+ banks & financial service providers

BANKS | CREDIT CARDS

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Quick switching functionality means Bean recommends better value providers and then helps you switch easily - from household bills to credit cards.

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You can ask Bean to help cancel a wasteful subscription that you no longer want/need.

The highlights 

Does not include integrations with investment or pension platforms.

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things to note

Free

price | 

Connect your current account to the Chip app and let it do the hard work for you; calculating what you can afford to save and using its clever AI powered algorithm to stash just the right amount of cash into your Chip savings account

Barclays, HSBC, Santander, Lloyds, NatWest, Nationwide, RBS, TSB, Halifax, First Direct, Co-operative Bank and Metro Bank accounts.

BANKS

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If it sends you into overdraft, Chip will cover any fees or charges and send you a Β£10 peace offering to say sorry

Withdraw your cash in a flash with instant withdrawals

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If you refer friends, the Chip savings account can earn you as much as 5% interest

The highlights 

You cannot set up a standing order to input money into the Chip account, nor deposit more than Β£600 a month.

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things to note

That amount covers Cleo Cover and Cleo Rewards. Cleo Cover = covers you up to Β£100 at zero interest to avoid you going into an overdraft and having to pay the overdraft fees.

Cleo Plus + : Β£5.99 a month

Free

price | 

A facebook-chat based AI bot that answers any questions you have about your finances instantly. 'She' also sets budgets, gives data driven insights and offers cheaper alternatives to current spending.

American Express, Barclays, Capital One, Direct, Halifax, HSBC, Lloyds Bank, Metro Bank Nationwide , Natwest, Royal Bank of Scotland, Santander, TSB Bank, Bank of Scotland .

BANKS

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Ability to send money to friends from Cleo Wallet.

'She' can be used through texts, Amazon Alexa and Google Assistant too.

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The Cleo Wallet can automatically save spare change for you.

The highlights 

No live transaction data - Cleo only pulls your transactions on average twice daily.

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Despite paying for Cleo + , you may not be eligible for Cleo Cover.

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No available credit card, investment account or pension account integration.

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things to note

Curve Black: Β£9.99 a month, Curve Metal: Β£14.99 a month. The Black Card means cash-back offer continues, it also gets you travel and gadget insurance while increasing your foreign withdrawal limit to Β£400/month and gives you unlimited currency exchange. The Metal card further adds Airport lounge access rental car insurance and extends foreign withdrawal limit to Β£600/month

Free

price | 

If you use multiple cards and struggle to keep track of your spending, Curve could provide the solution. Useful if you’re prone to losing your wallet. Customers are able to put all their cards onto Curve and alternate between the one they want to use via the app

All major banks/credit cards excluding American Express, Maestro, Diners Club, JCB or UnionPay

BANKS | CREDIT CARDS | PREPAID CARDS

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Supports 26 currencies

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Sign up for an introductory offer of 1% cash back at 3 retailers of your choice (from a list)

The highlights 

There are withdrawal limits on the card although it's unlikely you would reach these. The one to watch out for is withdrawals beyond Β£200 a month abroad which will subsequently be charged at 2% (Β£2 minimum)

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No fees paid when exchanging currencies (up to Β£500) except for weekends when a 0.5% fee is charged

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The app requires Wifi of 3G in order to switch between cards

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things to note

Customise budgets, create custom categories, export data, rename and split transactions and create manual accounts.

Emma Pro Version: Β£4.99 a month.

Free

price | 

A brilliant app for tracking spending and budgeting like a boss. Also helps you to cancel wasteful subscriptions, avoid being overdrawn and provides insights into your savings and debt

NatWest, Halifax, Lloyds, Nationwide, Barclays, HSBC, First Direct, Santander, TSB, RBS, Chip, the Cooperative Bank, Starling Bank, Monzo, Metro Bank, Bank of Scotland, Tesco, Virgin Money, M&S, Ulster, Dankse, American Express, Barclaycard,MBNA, PensionBee, WealthSimple, Coinbase, Kraken, Binance, Bitfinex, Bitstamp, Bittrex and individual Bitcoin/Ethereum addresses.

BANKS | CREDIT CARDS | INVESTMENTS | PENSIONS

 iNTEGRATED with... πŸ€

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Stay mindful with a weekly spending report

Integrated with a number of online cryptocurrency investment platforms

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Partners with money saving app 'Chip' meaning users can now manage and track their automatic Chip savings

The highlights 

No live transaction data - syncs to accounts 3-4 times a day.

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Some features are only available on pro e.g. creating custom spending categories

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things to note

Free

price | 

A helping hand on the journey to buy a home. Find your mortgage, solicitor, insurance and credit score all in one place. Set and track your savings goals and receive suggestions as to how you can reach your goals, faster.

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Follow a step by step checklist with actionable guidance from saving through to moving in.

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A fountain of knowledge for all things home buying. See the 'Knowledge base' for useful content and tips

The highlights 

The app doesn't save money on your behalf but it does work out how much you need to save to meet your goals

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things to note

Free

price | 

Money management on steroids. Desktop and phone app which offers a complete overview of your financial life via easy-to-read graphs and charts.

AA Savings, Adam & Company, Aldermore Savings, Amazon, American Express, Aqua Card, Asda, Bank of Ireland, Bank of Scotland, Barclaycard, Barclays, Birmingham Midshires, Cahoot, Capital One, Cater Allen, Chelsea Building Society, Chip, Citibank, Clydesdale, Coinbase, Coutts , Firsg Direct, First Trust, HSBC, HSBC (CIIOM) , Halifax , House of Fraser, ICICI Bank, Intelligent Finance , Investec, John Lewis, Leeds Building Society , Lloyds Bank, MBNA, Marbles, Marcus by Goldman Sachs, Marks and spencer, Metro Bank, Mint, Monzo, NS&I , Nationwide , Natwest Bank, Nedbank, Newcastle Building Society , Next , Norwich and Peterborough, Opus, PensionBee , Post Office ,Principality, Revolut, Royal Bank of Scotland , Saffron Building Society , Saga , Sainsburys, Santander, Scottish Widows, Smile, St James Place, Standard Life Savings, Starling Bank , TSB , Tesco Bank , The Co-operative Bank , The One Account , Think Money , Ulster Bank , Vanquis Bank, Virgin Money , Yorkshire Bank , Yorkshire Building Society.

BANKS | CREDIT CARDS | PENSIONS

 iNTEGRATED with... πŸ€

Account view available on desktop as well as an app.

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Partners with money saving app 'Chip' meaning users can now manage and track their Chip savings alongside your ordinary savings account

The highlights 

It uses your data to provide insight to companies for market research. While it does not share your personally identifiable data, some users may not be comfortable with this.

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No live transaction data - there can be a 4-5 day buffer between making a transaction and seeing it on the dashboard.

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No available investment or cryptocurrency platform integration.

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things to note

Β£0.99 a month

price | 

A super simple money management app with a human touch. View all of your account balances in one app and connect to a finanical advisor if needed. Recieve tips how to spend it better and reminders about payments etc.

Barclays, Bank of Scotland, Halifax, HSBC, Lloyds, Monzo, Nationwide, Royal Bank of Scotland, Santander, Starling, Ulster. If your bank is not listed, please keep in mind that not every bank has their API ready, if you don’t see your bank in this list we can probably still connect to them, just via a different method.

BANKS | CREDIT CARDS | INVESTMENTS | PENSIONS | OTHER ASSETS

 iNTEGRATED with... πŸ€

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Ability to manually add any other accounts and assets e.g. mortgages.

Set up a budget and receive helpful 'nudges' to stay on track

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Live transaction data - see your purchases as they happen.

The highlights 

A great choice mainly for people multiple accounts/assets and a high net worth.

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things to note

Free

price | 

In addition to being an excellent investment platform, Plum also offers a savings feature; a smart algorithm does the math with your budget and needs in mind and saves an affordable sum into a separate account.

NatWest, RBS, Santander, HSBC, Lloyds, Barclays, Metro Bank, First Direct, Halifax, Citibank, Nationwide, TSB, Bank of Scotland and the Co-Operative Bank.

BANKS

 iNTEGRATED with... πŸ€

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Change your savings mood anytime by messaging the Facebook chatbot

Withdraw money from your account at any time.

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Plum does the sum every few days, saving little on often on your behalf

The highlights 

Plum savings account does not pay any interest

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things to note

Β£9.99 a month

price | 

Squirrel acts as a middle-man account that ring-fences your savings and bill expenses from the rest of your income each month as your salary gets paid in.

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Squirrel normally keeps and then transfers bill money into your current account 1 working day before it's due, so you don't have to think about it.

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You can create highly personalised savings pots for all the things you might want to save for: add your own names and pictures to them.

The highlights 

Bare in mind, Chip isn’t a challenger bank: it doesn’t offer a current account, just a place to store your money.

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Your money is held in an account that doesn't gain any interest.

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things to note

Free

price | 

Tandem is a hybrid bank, it’s fully digital like the challenger banks you see but acts more as an accountant, which provides credit options. Pairing itself with your existing bank accounts (including challenger banks), the app analyses your day-to day spending and uses tools to save money into a separate account, which earns interest.

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Using the app you can set and adjust your saving level using a slider

Uses three different methods to save your £££ : spare change rounds-ups, AI calculations and regular deposits.

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The Tandem autosaver account earns 0.5% AER.

The highlights 

There are fixed saver accounts, these earn 1.60% AER (1 year), 1.80% AER (2 years), OR 2.00% AER (3 years). When you put money into these you aren't able to touch it till the time is up

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There are two credit cards available; Tandem Journey or Tandem Cashback. Which one you get is dependent on your credit history.

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There isn't a current account card you can use. In order to use money from your savings account you will need to send money back to your bank

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things to note

Free

price | 

See all of your finances in one place, on your phone. Track your spending, saving and goals. Features a customisable dashboard and spending categories list. Super clean interface that is simple and easy to use.

Allied Irish Bank*, Amazon Credit Card, American Express, Aqua Credit Card, *Bank of Ireland* Bank of Scotland, Barclaycard, *Barclays*, Capital, One Credit Card, Citibank, Clydesdale Bank, *Danske Bank*, *First Direct*, *First Trust Bank*, *Halifax*, *HSBC*, Intelligent Finance, John Lewis Credit Card, *Lloyds*, MBNA Credit Card, Marcus by Goldman Sachs, *Marks & Spencer*, Metro Bank, Monzo, NS&I Savings, *NatWest*, *Nationwide*, Post Office Credit Card, *Royal Bank of Scotland*, Sainsbury's Bank , *Santander*, Smile, Starling Bank, TSB, Tesco Bank, The Co-Operative Bank, *Ulster Bank*, Vanquis, Virgin Credit Card, Yorkshire Bank, Pensionbee, Wealthify.

BANKS | CREDIT CARDS | INVESTMENTS | PENSIONS

 iNTEGRATED with... πŸ€

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YoltPay extension allows the initiation of payments within Yolt, while all other apps are read-only.

The highlights 

Plus and minus balances are shown with just a minus sign which can be confusing

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No real time data - only auto refreshes up to 4 times a day.

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things to note