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Last updated: 28th May, 2020


The best money management apps in the UK

Money management apps have the power to transform your finances and help you achieve your personal goals. Read our guide to nine of the best financial, budgeting and money-related apps on the market today.

In a world of online subscriptions, cryptocurrencies and online investment opportunities, managing your money the old-fashioned way is an increasingly complicated task. Luckily there’s a wide range of money management and money-related apps out there, each designed to take the guesswork out of financial planning, help you stick to a budget and move you towards your financial goals.

With so many open financial apps on the market, it can be hard to know where to begin. Here we decode the financial jargon and highlight nine of the best money management apps available.

Best Money Management Apps:


Designed to be your new financial advocate, Emma offers a suite of money management tools in one convenient place. As well as connecting with all major high-street and online banks, the app offers full support for cryptocurrencies including Bitstamp, Coinbase and Kraken. It’s also free to use, with downloads available for both iOS and Android.

Once downloaded, you can use the app to set budgets, track spending and find and cancel unwanted subscriptions. You can even set up push notifications so that you’re alerted every time your salary comes through or a direct debit is paid, giving you full control over your spending with no need to switch between multiple apps.


Moneyhub offers three levels of membership; ‘Personal’, ‘Professional’ and ‘Enterprise’. Those using the app to manage their personal finances can benefit from regular insights into their spending habits, with the ability to connect multiple accounts and track each and every transaction in one place.

Personalised advice is available from financial professionals, giving you the power to take back control of your money, grow your savings and achieve your financial goals.


Yolt encourages users to ‘unthink money’, challenging existing attitudes around saving and budgeting. The app gives users a full view of everything, from current accounts and savings pots to pensions and investments. Track your spending and set realistic, flexible budgets from one handy dashboard.

With Yolt Pay, it’s easy to transfer money between accounts or settle bills with family and friends. The app is available for download on both Android and iOS devices and promises to end the days of swapping between multiple finance apps.

Best apps for insights into your spending:


Combining expert financial advice with the latest artificial intelligence (AI) technology, Cleo is an app designed for the future of money management. Think of Cleo as your financial virtual assistant. There’s even a simple way to connect the app with Facebook, after which you can chat and ask questions via Messenger for a real-time view of your finances, no matter where you are.

By authorising the app to view and analyse your transactions in read-only mode, you can receive personalised financial advice based on your current spending habits. It’s this instant access to answers about money that has made Cleo such a hit, with over 2 million users and counting.

Money Dashboard

Touted as one of the UK’s best finance apps, Money Dashboard allows you to connect all of your accounts and track spending via one central dashboard. Sign up for free and choose from four primary financial goals: buying a house, saving for a holiday, growing your savings pot or paying off existing debt.

Transactions are categorised automatically, enabling users to see exactly where their money is going and idntify opportunities to cut down. Perhaps one of the most useful features is the ‘Planner’, which aims to intelligently predict future income and expenditure in a way that takes the guesswork out of financial planning.

Best app for sending money abroad:


PagoFX is the international money transfer app launched by Santander. The app has been designed with the customer in mind: when you send your money abroad, you can be confident you are getting the real time exchange rate, you’ll know exactly what fees you’re being charged and what your recipient will get.

Backed by the high-street bank, the PagoFX app offers the same security you’d expect from Santander. Authorised by the FCA, and with no hidden fees, the app is the perfect hybrid of a FinTech (financial technology) and Santander’s expertise in security, international payments and foreign exchange. The transparent service means you know exactly how much money you’re sending and how much it costs to do so.

Best apps for budgeting and saving:


‘Simple, seamless, intuitive’ is the tagline of Wally, the budgeting app designed to help users set and achieve financial goals based on existing spending habits. Wally offers a true 360 degree view of your finances and supports a huge range of currencies, enabling you to keep on top of your spending no matter where you are in the world.

Tracking what you buy becomes easy with the ability to capture pictures of receipts and categorise your spending. The app is free to use and available on both iOS and Android devices and a desktop application due from the end of 2019.


The tried-and-tested envelope budgeting method is reimagined for the 21st century with Goodbudget. The app encourages users to split off cash into virtual envelopes as soon as your salary has been paid, allowing you to set aside exactly what you need for the month and reduce the potential to run out of cash as your next payday approaches.

Goodbudget is especially useful for couples and families, giving users the ability to seamlessly sync and share budgets with others. With a clear view of how much your household can spend on everything from bills to dining out, it’s easy to plan ahead and save any extra cash for the things that really matter.

Best app for saving money on bills:


Automatically compare deals on household bills and subscriptions with Bean. This app is always on the lookout for money-saving opportunities and will instantly notify you when it spots a chance to cut down on unnecessary spending. You’ll also be alerted whenever bills are due to increase or a contract is up for renewal.

Fed up of paying that recurring fee for a service you never use? Bean even offers guidance for cancelling unwanted subscriptions, reducing the need for complicated paperwork.

Saving money can be tough at any stage of life, but technology is always introducing us to new ways of tracking and analysing spending. Each of the apps on this list has been designed to give users the opportunity to cut down on unnecessary costs and make smart financial decisions.