We test every AI-powered finance tool so you don't have to. Budget trackers, crypto tax software, open banking apps — independently reviewed for UK users.
2M+ UK users. Connects all your accounts. Actually finds subscriptions you forgot about.
AI analyses your spending and auto-saves what you won't miss. Users save £1,200/year average.
Roasts your spending habits (seriously). 5M+ users. Gen Z's favourite finance app.
UK-built, connects all banks. Finds better deals on bills. No upsell pressure.
HMRC-compatible reports. Imports from Coinbase, Binance, Kraken automatically.
9M+ UK users. AI fraud detection caught £100M+ in fraud in 2024.
Open banking is regulated by the FCA and gives you control over your financial data. 15M+ UK adults already use it.
Your data stays yours. Banks can't see each other's data. You control access and can revoke anytime. It's the technology that powers every app in our featured tools section.
Key fact: Open banking is built on PSD2, the EU regulation now embedded in UK law post-Brexit.
1. Connect - You approve an app to read your bank data (no passwords shared).
2. AI Analyses - The app uses machine learning to spot patterns, find subscriptions, or calculate taxes.
3. You Save - Get insights, recommendations, or automated savings based on your data.
Yes. FCA-regulated. Banks can't see each other's data. You control access and can revoke anytime.
You're not sharing passwords. Apps use secure API tokens that can only read your transaction data—they can't move money or modify accounts.
Revoke access instantly through your bank's app or our platform. Your financial security is your choice, not the bank's.
| App | Price | UK Users | Best Feature | Platforms |
|---|---|---|---|---|
| Emma | Free / £4.99/mo | 2M+ | Subscription finder | iOS, Android |
| Plum | Free / £4.99/mo | 2M+ | Auto-saving AI | iOS, Android |
| Cleo | Free / £5.99/mo | 5M+ | Spending roasts | iOS, Android |
| Snoop | Free | Growth stage | Bill switching | iOS, Android, Web |
| Money Dashboard | Free | 500K+ | Net worth tracking | iOS, Android, Web |
| Bank | UK Users | Best Feature | Free Tier | Premium Price |
|---|---|---|---|---|
| Monzo | 9M+ | AI fraud detection | Yes | £5–£15/mo |
| Revolut | 9M+ (UK) | Multi-currency, crypto | Yes | £6.99–£12.99/mo |
| Starling | 4M+ | Business accounts | Yes | £3.99–£7.99/mo |
Use Emma or Snoop to track utilities and bills
Cleo will help you understand (and roast) this category
Plum automates this. Set it and forget it
We've tested Emma, Plum, Cleo, Snoop, and Money Dashboard head-to-head. Here's which one saves you the most money.
Read More →Myths vs reality. FCA regulation, data security, revocation, and why 15M+ UK adults trust open banking.
Read More →CGT allowance, reporting deadlines, and why Koinly beats manual calculations. 2025/26 tax year breakdown.
Read More →Fraud protection, international transfers, business accounts, and which neobank actually wins in 2026.
Read More →We rated 12 AI money apps on accuracy, privacy & value. See which ones are worth it.
No spam. Unsubscribe anytime. We respect your data.