Money Watch – Personal Finance Blog

Earn $15 for you and your friend when you invite them to Monzo. Terms apply.

Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.

Open a personal or joint checking account in just a few minutes.

WHY OVER 10 MILLION CUSTOMERS LOVE MONZO

Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Earn interest on every goal with our Savings Jars.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of 38,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.

UNDERSTAND YOUR SPENDING HABITS

Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.

REACH YOUR SAVINGS GOALS

Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds, and more in a Savings Jar.
Set a goal on a Jar and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

SERIOUSLY SECURE

With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.¹
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.

____________________________

*The national average interest rate for savings accounts as posted on FDIC.gov, as of June 17, 2024.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of July 29, 2024. The APY may change at any time.

Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

¹Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

Take control of your money and tax with the HMRC app

It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app.

Key Features:

- Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN
- Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount
- Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one
- Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can
- Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file
- Child Benefit support: claim, manage, and update your Child Benefit details
- National Insurance: find and save your National Insurance number so you have it when you need it
- Go paperless: opt to receive key messages from HMRC online

Download the HMRC app today and stay on top of your money and taxes.

Join the 50+ million customers worldwide who use our app to spend, send, and save smarter.

Make your spend, well-spent
Pay any way, with physical cards, virtual cards, single-use virtual cards for extra protection, Google or Apple Pay
Spend abroad with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Link your external bank accounts to stay on top of all your spending
Design a physical card you vibe with (fees may apply).

Set your kids up for financial success. Get them a Revolut ＜18 account, with their own card, so they can learn about money in a safe and fun way

Send money near, far, wherever they are
Request or send 25+ currencies with a tap to anyone, anywhere
Chat, send, and receive money, in one place. Whatever your plans, transfers are almost instant between your Revolut friends with P2P payments
Split and settle bills in one place. You can even share a fun GIF to diffuse any tension

Save the interest-ing way
Grow your money with up to 4.25%* APY with Savings Vaults, Access your savings whenever you need to, with zero penalties or fees
Build your savings effortlessly — set up recurring transfers and round up spare change to stash cash

Explore Stock Trading (capital at risk)
Start trading stocks from $1 (other fees may apply)
Choose from 2,000+ stocks to invest in some of the world's most popular companies
Enjoy no-commission stock trading within your monthly allowance (other fees may apply)

All investments involve risk, including possible loss of principal. Investment accounts and disclosures may be displayed together. Self-directed brokerage products are provided by Revolut Securities Inc., member FINRA/SIPC. Brokerage Products • Not FDIC Insured • No Bank Guarantee • May Lose Value. Automated investing is provided by Revolut Wealth Inc, an SEC-registered investment adviser.

End the overspend
Get instant spending notifications to keep track of every payment
Use smart budgeting and analytics tools to stop wondering where your money went, and start telling it where to go
Worried about missing upcoming payments or subscription charges? Don't be — we'll notify you beforehand
Upgrade to one of our paid plans to get exclusive cards, more benefits, and even cooler perks. Pick the plan that's right for you: Premium or Metal (Paid Plan T&Cs and subscription fees apply).

Unlock security features that you control
Freeze and unfreeze your card in a tap
Use single-use cards with new details generated each time you use it, for an extra layer of protection
Set spending limits and get notifications to keep track of your money

How we protect your money
Our sophisticated fraud prevention system flags high-risk transactions and pings you an alert, so you can spot scams, and nip 'em in the bud
Extensive identity verification keeps sign-ups secure, and your account is protected with passcodes and biometrics
We're available 24/7 via our in-app customer support

Funds in your Revolut Prepaid Card Account are held at or transferred to Lead Bank, Member FDIC, and are insured by the FDIC up to $250,000 applicable limits by the FDIC in the event Lead Bank fails if specific deposit insurance requirements are met. See FDIC-Prepaid Cards and Deposit Insurance Coverage.

California Privacy Notice: https://www.revolut.com/en-US/legal/privacy

*The highest APY is available to users on a Premium or Metal plan. Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of October, 20th, 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC

Revolut Ltd (No. 08804411) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 107 Greenwich Street, 20th Floor, New York, NY 10006

UK's #1 app for active trading & long-term investing.* (77% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 4.9% on GBP, 3% on EUR, 4.1% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates and get 0.5% cashback;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 4.9% AER (variable), earned daily, paid monthly
- Flexible - withdraw anytime
- Completely free - no account fees

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

- 9,000+ CFDs on Stocks, Forex, Gold, Oil, Indices and more;
- Competitive spreads even at news time;
- Smooth and easy to use charts for technical analysis, powered by TradingView.

...and always an outstanding live customer service, responding within seconds.

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


Trading 212 provides execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions.


Zero commission refers to no broker fee being charged for buying or selling shares.
FX fee of 0.15% applies when buying or selling securities denominated in a currency different from that of your Trading 212 account.


* Based on statistics by data.ai as of January 2025.


Trading 212 is the following companies:

Trading 212 UK Ltd. authorised and regulated by the Financial Conduct Authority (Register number 609146).
Trading 212 Markets Ltd. authorised and regulated by the CySEC, Cyprus (Register number 398/21).
FXFlat Bank GmbH is authorised and regulated by German Federal Financial Supervisory Authority (BaFin) (BaFin ID number 10109603).
Trading 212 AU PTY Ltd. authorised and regulated by the Australian Securities and Investments Commission (License number 541122).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

Seller: Trading 212
Address: Aldermary House 10-15 Queen Street, London, EC4N 1TX

PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more. Get started in the app.

SAVE OFFERS IN THE APP
Get cash back offers* from brands you love. We’ll automatically apply them at checkout.
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card right in the app. No credit check required.
Shop with your PayPal balance everywhere Mastercard® is accepted.
Earn 5% cash back on a category you choose each month*
 
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal.
A PayPal balance account is required to get the card.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*

*PayPal, Inc. is licensed to engage in virtual currency business activity by the NY Dept. of Financial Services. To buy, sell, transfer, and hold crypto is subject to risks, may result in significant losses, and not available where prohibited by law. We do not make recommendations about crypto transactions. Consider seeking advice from a financial and tax advisor. Crypto custody, trades and transfer services are performed for us by Paxos Trust Co. LLC or other appropriately authorized provider. See terms: paypal.com/crypto_terms

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. 

TRACK YOUR PACKAGES
View your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.

PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right in the app.

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131

Welcome to the new Hastings Direct app, which is packed full of features designed to take the hassle out of managing your insurance. You’ll find your policy details and insurance documents as well as contact numbers and claims tips all stored safely and securely in the app to access whenever and wherever you need them.

So, whether you want to manage your policy, need help if you’ve broken down or have to make a claim you can get the help you need, quickly.

MANAGE YOUR POLICY:

- One-click links to important information for your Hastings Direct, Premier, Essentials and YouDrive polices – quick access to your policy number, what you’re covered for, excesses and renewal date*
- Something changed? Update your car, address or add a new driver in a few easy steps*
- Need more information and hate rummaging through paperwork? Keep all your key documents in one place that’s accessible 24/7*
- View your car, home, van and bike policies all in one place
- Constantly forgetting passwords? Switch to Touch ID / Face ID or a 6-digit pin
- Stay safe - Customise security features and read our privacy policy

BREAKDOWN ASSISTANCE:

- Get help when you need it most – Hit ‘click to call’ and you’ll connect directly to your breakdown provider

CLAIMS:
- Need to make a claim? Use the app to register a claim
- Got a query about an existing claim? Our app will help you find the answer
- Get in touch directly - Send important information to us via email

We’re working hard to release lots of exciting new functions to help make your life that little bit easier, so make sure you keep your app updated. If you’ve got any suggestions on how we can improve the app or if you require technical support, please email mobileappsupport@hastingsdirect.com.

Disclaimer

Minimum Hastings Direct app requirements:

- iOS 12.0 or newer
- Phone must not previously or currently be jailbroken**

*Customers with policies beginning with ‘H’ are automatically redirected to our mobile website to view or change their policy
**allowing root access to files which remove all restrictions from the phone


Hastings Insurance Services Limited, trading as Hastings Direct, is authorised and regulated by the Financial Conduct Authority (register number 311492).

Stay in control of your money with customisable tools that help you manage your day-to-day spending and keep track of your bills.

READY, STEADY, PAY

•With the power to check upcoming payments, you can make sure you’re ready to pay on the day. Yay!


JUST A TOUCH AWAY
•Use your face or fingerprint to log in, which makes signing into the app faster and more secure.
•The app now has a 'space' for everything you need – so you can find everything from your balance to your savings, pensions or investments easily.


PLAY YOUR CARDS RIGHT
•Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, order a new one, or and look up your card details.

IN FOR A PENNY

•Spending Insights help you understand where your money goes every month. You might be surprised to find you spend a bit more than you thought on frothy coffee.
•Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound, transferring the change into your nominated savings account.
•Enjoy a cheeky bargain or three. Everyday Offers give you the opportunity to earn cashback from a range of retailers. Kerching!

HOW WE’LL CONTACT YOU

Using the app won’t affect how we contact you. Our emails will address you by your title and surname and include the last four digits of your account number, or the last three digits of your postcode. Any texts we send will come from LLOYDSBANK. Be wary of any message that differs from this – it could be a scam.

IMPORTANT INFORMATION

We don't charge you to use our services, but your mobile operator might charge for some things, such as downloading or using the app, so please check with them. Services may be affected by phone signal and functionality.

When you use this app, we collect anonymous location data to help combat fraud, fix bugs and improve future services.

The app is available to customers with a UK personal account and valid registered phone number. IOS14 or above required. Device registration required. Terms and conditions apply.

Freeze and unfreeze certain types of transactions securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card.

Touch ID requires at least iPhone 6s running iOS 14.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

Apple, the Apple logo, iPad, iPad Air, iPad mini, iPad Pro, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Lloyds and Lloyds Bank are trading names of Lloyds Bank plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

LEGAL INFORMATION
This app is designed and intended for Lloyds UK customers to access and service UK personal products, and for customers of Lloyds Bank Corporate Markets plc, using the business names Lloyds Bank International and Lloyds Bank International Private Banking, to access and service personal products held in Jersey, Guernsey and the Isle of Man. It should only be downloaded for this purpose.

While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Lloyds or Lloyds Bank Corporate Markets plc.

Any confirmation that our product or service complies with European Union law is made to Apple to meet its legal requirements. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.

Join over 6 million of our customers who are using the Nationwide banking app for their everyday banking needs. It’s simple to get started.

# I’ve never used the app before. How do I start? #
Download the Nationwide banking app and follow the instructions on screen, you’ll need your Nationwide account details or customer number.
You can log in with Face ID, Touch ID or passnumber if your device allows.
Once you have set up biometrics on your account, you will be able to confirm new payments with Face ID or Touch ID. We will ask you to take a selfie. We might still need to verify your identity using your card reader, so please keep it somewhere safe just in case.

# How safe is the Nationwide banking app? #
Our Digital Banking promise means:
• We'll refund any money taken from your account without your authorisation
• We'll monitor and protect your account 24/7 with the latest technology
• We'll provide you with education on how to stay safe including top tips and information on the latest fraud and scam trends

Please see our website for full terms and conditions. T&Cs apply.

# You can use the app to: #

• View your accounts and statements; savings, loans, mortgages, credit cards and current accounts.
• Browse our product offerings, and open new accounts.
• Customise your banking app home screen. You can choose slimmer account tiles to see more on your screen.
• Manage your payments – set up, cancel and amend standing orders in the app. You can cancel Direct Debits too.
• Authenticate transactions in the internet bank and when shopping online.
• Report lost, stolen or damaged cards. You can also freeze / unfreeze your debit card.
• Add your cards to Apple Pay.
• Download copies of your monthly statements for some accounts.
• Search for or scan transactions at a glance. The app shows you pending transactions and includes easy identifiers such as brand logos and the organisation’s location and contact details.
• Set savings goals and your own contactless payment limits. You can also turn off contactless payments.
• Round up your spending and save the extra directly into your savings account.
• If you ever find gambling becomes a problem for you, use the app to set a gambling block.
• Personalise your settings to update your personal details, get text alerts and go paperless.

Join over 10 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?

Manage your money easily and securely:
•Apply for current, savings, child, teen, premier and student accounts quickly. Eligibility criteria apply.
•See all your bank accounts straight from your home screen.
•Freeze and unfreeze your card at any time (Mastercard only).
•Set up touch, voice or face ID for better security and send high value payments in-app, amend payment limits and more. Touch, voice and face ID are only available on selected devices. Optic ID is also available on Apple Vision Pro.

Send, receive and access money quickly:
•Request money via a QR code or link.
•Send money faster with a personalised list of favourite payees.
•Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.)
•iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have a least £10 available in your account and an active debit card (locked or unlocked).

Stay on top of your spending and saving:
•Keep track of payments all in one place.
•Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling.
•Budget easily by managing your monthly spending and set categories.
•Turn on push notifications to get alerted when money reaches or leaves your account.

Get support for every life event:
•Spend abroad in Euros without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply.
•Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address.
•Discover our additional products and services, including mortgages, home and life insurance and loans, in one place.
•Fast track your money goals with the help of our handy plans, tools and tips.

Important info

Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu where you will be able to find motion and visual control settings within the menu (note this is not within our app, but on the settings of your device itself).

Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware some features and products have age restrictions and are only available if you’re over 16 or 18.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms.

Please save or print a copy along with the Privacy Policy for your record.

The Barclays app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a UK Barclays current account or Barclaycard, you can register for the app. You’ll need the 16 digit number off your card, then follow the onscreen instructions. Some customers may be required to verify their identity with PINsentry or at a Barclays cash machine.

If you’ve got an activation code, follow the onscreen steps to register (you won’t need PINsentry for this).

After you’re set up, you’ll only need your 5-digit passcode to log in. Then you can set up Touch ID or Face ID to log in faster in future.

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It can take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

Terms and conditions apply. You must be aged 16 or over to use the Barclays app.

FOR BUSINESS ACCOUNTS
You can only use the app if you’re a sole-signatory Barclays Business current account holder. You can’t register your Barclaycard business or corporate credit cards.

This app is provided by either Barclays Bank UK PLC or Barclays Bank PLC depending on the entity you may have contracted with for banking services. Please refer to your bank documents (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you.

Copyright © Barclays 2024. Barclays is a registered trade mark of Barclays plc, used under licence.

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676).
Registered in England. Registered No. 9740322 Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702).
Registered in England. Registered no. 1026167 Registered Office: 1 Churchill Place, London E14 5HP.

EASY BUDGET. Cut your expenses with Money Pro®!
Expense tracker, budget planner & account manager - all in one app to get your finances under control. Money Pro works great for personal & family expense tracking.

Easy sync and iPhone/iPad versions combined in one app. Money Pro is the next generation of the Money app (over 2 million downloads worldwide).

FEATURES:

Simple and Secure
- quick and easy expense/income entries: save your time
- password & backups of your data

Income and Expense Tracker
- split transactions: split one payment into multiple categories, keep it all organized
- search by amount, category, description, payee, cheque number, etc
- recurring expenses with custom periodicity
- calendar for scheduling bills and expenses for the whole year ahead
- notifications & alerts for bills due
- tracking expenses with family members and cross-platform syncing* (PLUS or GOLD subscription required)
- multiple profiles for organized tracking of personal and family finances
- attachment of receipt (or any other) photos: keep important bills captured

Budget Planner
- flexible structure of categories & subcategories with over 1,500 built-in icons
- custom periodicity: start your budget from any date
- visual indicators for budget spending
- transaction list for each category: access your bills with ease
- transferring the leftover of the previous budget period to the current one to limit your spending
- unique icons with your photos

Account Manager
- easy management of an unlimited number of accounts
- balance change history
- additional fields for organizing your records: payee, description, check #, class (personal/business travel expenses).
- import of bank statements (files: OFX, CSV)
- online banking (GOLD subscription required)

Insightful Analytics
- eight different reports
- filter customization
- quick and easy date selection

Augmented Reality
- build three-dimensional charts right on your table with AR reports (GOLD subscription required)

Goals
- set your goals and achieve them
- visualize your goal progress with a trend chart
- four Goal types: Save money, Pay off debt, Reduce expenses, Increase income (GOLD subscription required for last three)

More
- calculator and currency converter
- print and export to PDF, QIF, CSV formats
- multiple currencies & automatic update of exchange rates
- iCloud sync for iPhone, iPad, Mac (no subscription)
- support service & user guide (https://money.pro/guide/)

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

In all the countries (except the USA), actual charges will be converted to the local currency. Payment will be charged to iTunes Account at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.
Subscriptions may be managed by the user, and auto-renewal may be turned off by going to the user's Account Settings after purchase.

Terms & Privacy
- http://ibearsoft.com/privacy.html
- http://ibearsoft.com/terms.html

Money Pro is a Universal app. Pay once and use it on your iPhone, iPad, and Apple Watch.

*See App Support for further details

“Money Manager” is an optimized application for personal account management.

Household account management is complicated. But we make it simple by simplifying the things that are complex. The default settings will get you started, and once you get used to it, you can alter the settings according to your needs with the highly flexible and customizable functions available.

- Super easy and simple to enter data anytime, anywhere.
- View your spending tendencies graphically.
- View statistics by simply entering the data.
- Search and calculator functions.
- Set up sub-categories and main categories as necessary.
- Manage all your accounts at once.
- Use multiple currencies.
- Check weekly, monthly, and annual statistics.
- Use calendar view.
- Use budget planning features to plan weekly, monthly, and annual budgets.
- Change the start date of the month.

※ Applying double entry bookkeeping
It facilitates efficient account management. Automatic double entry bookkeeping.

※ PC manager function
You can view ‘“The New Money Manager” application using Wi-Fi. You can edit and sort the data by date, category or account group on the screen of your PC. In addition, you can see fluctuations of your accounts indicated on graphs on your PC.

※ Budget management function
You can manage your budget. It shows your budget and expenditures on a graph so you can compare the number of your expenditures against your budget quickly.

※ Credit Card / Debit Card management function
When entering a future payment date, you can see the payment amount and outstanding balance on the accounts page. You can connect your debit card to your accounts so that expenses are automatically recorded under a specific account.

※ Passcode
You can specify the desired time lapse before the app requests a passcode.

※ Automatic money transfer and frequency functions
You can set up automatic money transfers between your accounts and configure the frequency of those transfers.

※ Sort expenses by the recipient
You can sort your expenses by the recipient and view this information graphically.

※ Payment Profiles
You can easily enter frequent expenditures by creating payment profiles.

※ Backup / Restore
You can backup and restore your data via email, iTunes and iCloud.

※ Multiple currency support – you can have individual entries in multiple currencies, and configure each account to calculate the total balance in your desired currency.

Subscription pricing and terms:

Money Manager offers auto-renewing monthly subscription at US$2.49/month and an auto-renewing yearly subscription at US$19.99/year to provide you with unlimited access to the Money Manager Data Sync Service while you maintain an active subscription.

Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. Your account will be charged for renewal within 24-hours prior to the end of the current period, and the cost of the renewal will be identified.
You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase.

Read more about our terms and conditions here:
https://realbyteapps.com/policy/terms.html

Privacy Policy:
https://realbyteapps.com/policy/privacy.html

See the capabilities of the most advanced financial calculator from Texas Instruments — the BA II Plus™ Professional calculator. This calculator is a great choice for business professionals and college students, in both corporate and university settings.

FULL RANGE OF FINANCE AND SCIENCE FUNCTIONS
• Performs Time-Value-of-Money (TVM) calculations including annuities, loans, mortgages, leases and savings
• TVM P/Y=1 default matches current BA II Plus™ and BA II Plus™ Professional calculators
• Generates amortization schedules
• Calculates IRR, MIRR, NPV and NFV for cash-flow analysis
• Stores up to 32 uneven cash flows with one- to four-digit frequencies and analyzes the impact of changes in variables
• Evaluates bond prices and yields “to maturity” or “to call”
• Choose from six methods for calculating depreciation, book value and remaining depreciable amount
• Performs analysis on one- and two-variable statistics with four regression options: linear, logarithmic, exponential and power
• Determines the days between dates
• Calculates breakeven, profit margins and percent change
• Includes trigonometric and logarithmic scientific functions
• Choose between chain and Algebraic Operating System calculation methods

OTHER FEATURES
• Stores 10 values in memory which are retained by the Constant Memory feature
• Enable key click sounds in Settings
• Switches to second functions fast with one-touch 2nd function key
• Support for split screen, portrait and landscape modes
• Ability to copy individual calculation results to other apps
• Includes both BA II Plus™ and BA II Plus™ Professional calculator features
• The look corresponds to BA II Plus™ Professional calculator

Apple's iPad APP OF THE WEEK (UK and Ireland), March 2011

AppStore Rewind 2011, one of Apple's favourite iPhone finance apps of 2011 (UK and Ireland)

Closely monitor your household energy and water usage and the chances are you will SAVE MONEY!

This useful application makes it easy to monitor your household utility meters. Once you start entering readings, your usage, costs and savings are calculated and displayed in easy to visualise graphs.

KEY FEATURES
- Monitor up to five separate meters, e.g. electricity, gas, water, solar ... etc
- Quick entry of readings, as often as you like
- Use the rear-facing torch/flashlight when reading your meters (if your device has one)
- Local reminders so you don't forget to enter your readings
- Displays usage and costs for the latest readings period, and compares this with your average or previous year
- Plots graphs of usage and costs per day, week, month, quarter or year, so that you can visualise changes over time, e.g. against the previous year
- Multiple colour themes (black, red, blue, green ... etc)
- Import historical readings from a CSV file
- Backup your data and sync it between devices by email, AirDrop, Dropbox or iCloud
- Export your readings as a CSV file for easy import into a spreadsheet
- Universal app, works on the iPhone, iPod Touch and iPad

METERS, CURRENCY AND RATES
- User configurable units, so the app could be used for other types of measurement
- Support for meters that count up (e.g. electricity, gas, water ... etc) or down (e.g. oil)
- Uses the currency from your device's region setting, but you can override this per meter (e.g. for holiday homes)
- Handles a wide range of rates and charges, e.g. fixed or time based rates, per-unit rates, stepped rates for up to 12 levels, Economy 7/10, time of day meters ... etc

BILLS
- Check your bills by comparing any pair of readings (e.g. those submitted to your supplier)
- View your usage and costs since your last bill, as well as an estimate of when and how much your next bill will be

POWER USER FEATURES (via a ONE-TIME in-app purchase)
- Additional meter types, reading combinations and ways of calculating usage
- Support for rate changes, if/when you switch supplier or they change your rates
- Support for resetting your readings, e.g. if you get a replacement meter
- Automatic backups to iCloud

PRO USER FEATURES (via a ONE-TIME in-app purchase)
- Removes the restriction on meter numbers, e.g. for landlords, businesses and professionals

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/meters/.

Alternatively, contact me directly via my support pages and you will get a quick response.

DataMan is the simplest and clearest app to track your data usage. In just a glance, you can know if you're safe from busting your data cap. Never worry about overage again.

REAL-TIME TRACKING
Track cellular and WiFi in real-time directly on iOS. No more waiting for your carrier to update.

SMART FORECAST
Intelligent usage forecast predicts if you'll stay within your data cap. So you can take precautions.

DATAMAN WIDGET
Instantly check your usage at a glance. Just swipe on your Home or Lock screen to view.

CUSTOM USAGE ALERTS
Alerts warn you before you hit your data cap. Four custom alert thresholds.

DATA PLANS
Auto reset on your monthly bill cycle date. Support all billing periods and rollover data with DataMan Pro.

SIRI SHORTCUT
Get data usage forecast just by asking Siri. An easier, faster way to track your usage with voice.

APPLE WATCH
Designed for your wrist to quickly show your most important stats in complication and app.

BEAUTIFUL INTERFACE
Get the key statistics you need most in a beautiful, intuitive interface. It's so easy to track your data usage.


"Simplest and clearest" NYTimes
"The widget you should be using" Business Insider
"We like the easy-to-use DataMan" TIME
"Download this great app right now" BGR
"Superpretty, superuseful" Cult of Mac
"Handy money-saver with colorful alerts" Guardian
Featured on USAToday, Macworld, 9to5Mac, AppAdvice, SlashGear and many more.


DATAMAN PRO
Access extra features with PRO subscription
• Free trial 7 days
• Daily usage history
• Push usage alerts
• Manage multiple plans
• App icon badge
• Custom billing periods
• Rollover data
• Map usage locations
• Export statistics
• Widget styles
• Themes and more


PRIVATE AND SECURE
No VPN, no login. Your data is important and private. That's why we take your privacy seriously. Our privacy policy: https://xvision.me/privacy


Subscription Information. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase.

Terms of Use / Privacy Policy - https://xvision.me/privacy

Get Money Monitor now, the most comprehensive personal finance management application!

You can track and organize all your transactions, accounts, budgets, bills, cash flow and payees in Money Monitor by easy operation but with powerful functions.

Money Monitor is your right choice if you want to track and control your expense and pay bills on time, it will keep all your finance at a glance, show you clearly that where the money comes from and goes. A must have app for personal budgets or business use.

Features:

Transactions
⁃ Quick add income, expense or transfer transactions with or without recurring.
⁃ Edit picture, account, budget, category and payee and note for each transaction.
⁃ Mark transaction as cleared or not.

Accounts
⁃ Eight default types of account and your can custom your own.
⁃ Track transactions of each account.
⁃ Show expense, income and balance amount of all your accounts.
⁃ Show expense, income and balance amount of each account.
⁃ Transfer amount from one account to another.

Categories
⁃ Customise Category and subcategory.
⁃ 10+ icons for categories and 40+ icons for subcategories.
⁃ Show total expense and income of all categories.
⁃ Show total expense and income of each category.

Budgets
⁃ Create unlimited income or expense budgets with or without cycles.
⁃ Set budget name, amount, type, category, date range etc.
⁃ Rollover budget amount to next cycled budget.
⁃ Transfer available budget amount to another budget.
⁃ Track transactions of each budget.
⁃ Time marker to show the status of current date at each budget.
⁃ Show statistics info of total amount, already used and available amount of each budget.

Bills
⁃ Track both income or expense bills both repeat and not.
⁃ Custom remind time, date and sound of each bill, and snooze bills reminder.
⁃ Calendar view of bills.
⁃ Add auto pay bills.
⁃ Mark payment to bills in full or in part.
⁃ Add note to each payment for the bills.

Other Features
⁃ Search transactions.
⁃ Passcode protection.
⁃ Supports Touch ID as passcode.
⁃ World-wide currency.
⁃ Set your own week start day.
⁃ Powerful reports by pie chart to show visually all parts of your finance.
⁃ Custom unlimited reminders with any content.
⁃ Badge to show number of overdue unpaid bills and the bills which remind date are due.
⁃ Export data by email in form of CSV, HTML or PDF.
⁃ Supports AirPrint.
⁃ Support migrate data from free version.
⁃ Supports WiFi backup & restore.
⁃ Supports iCloud backup & restore.
⁃ Supports Dropbox backup & restore.
⁃ Supports Apple Watch version.
⁃ Supports 3D Touch function.

If you have any question or suggestion, please send email to maxwellapp@tom.com.

*** Proven To Work! 30+ Million chores completed and 20+ Million allowances paid using iAllowance! ***

*** Apple Staff Favorite ***
*** Featured by Money Magazine ***
*** Featured by Forbes Magazine ***

Put piggy banks and paper money behind you! iAllowance is the only thing you need to manage your child's finances and teach him or her about saving and spending money. Whether you want to set up a weekly allowance or pay out a special reward, iAllowance handles everything for you with an eye-pleasing and easy-to-use interface.

KEY FEATURES:
- Simple and Fun
- Run on all your iOS devices.
- Automatic and free Instant Sync
- Works With ALL Your Children
- Unlimited Number of Banks with Optional Interest
- Automatic Allowance Payments
- Chores/Jobs Tracking with Push Reminders
- Reward Tracking - Great For Motivation
- Use Real Money, Stars or Time for Banks, Allowances and Chores
- Use the Setup Assistant to Quickly Setup the App
- Email & Direct Print Reports Using AirPrint
- Parental Controls
- Automatic Local Backup
- Full World Currency Support
- Parent Themes - Including Dark Mode

SIMPLE AND FUN
iAllowance may look simple at first glance - the bookshelves and chalkboard make this app very approachable. However, iAllowance is a powerful family finance management system, allowing you to set up scheduled payouts, deduct expenditures, and show category totals - even search for a specific transaction!

SUPPORT FOR MULTIPLE CHILDREN
You can setup iAllowance to track the finances for all your kids, each with a separate photo for easy identification and as many banks as you desire.

UNLIMITED NUMBER OF BANKS
Kids are very busy these days. From general spending money to clothing allowances, gas money to cell phones accounts, kids and parents have a lot to keep track of in today's world. With iAllowance, you can create an unlimited number of banks for each of your kids. Each bank has its own transaction list where you can add, edit and delete transactions as often as you need to.

If you don't want to use real money, you can setup any bank to use stars or even time. Mix and match star, time and real money banks to make iAllowance work best for you. Furthermore, you can assign an optional interest rate to any of the banks to help teach your children the value of saving money over the long term.

AUTOMATIC ALLOWANCES
Let iAllowance do the remembering for you! It's easy to set up any number of allowances that will pay out automatically at repeating intervals. Each allowance can be set up to pay into one or more of the child's banks. There is no need to setup a single allowance for each bank.

CHORES
Track all your children's chores with iAllowance. Get your kids involved in the process and watch the chores get done! Use the reminders to push alerts to your kids - even if iAllowance is not running.

REWARDS
Kids are more motivated when they have goals to work towards. You can setup rewards that you can choose to 'cash in' when you child reaches the set goal.

PARENTAL CONTROLS
We feel that it's important to get your kids involved in managing their own finances, but it is also important that you have a choice as to whether or not they can edit the information. By turning on the built-in parental controls, you can restrict your kids to a view only mode while you maintain full editorial control for yourself.

INSTANT SYNC
You can instantly sync your data between devices using your free iAllowance account. All your data is backed up on your iAllowance account automatically. There is no need to worry about losing your data.

We are certain that iAllowance will meet all your family finance needs. So, make the leap with Jump Gap Software's iAllowance.

Manage your spending with Bludget.

Bludget is a simple and elegant way of managing your expenditure.

- Decide on a budget (weekly or monthly)
- Enter your expenses - choose categories (and sub categories, if needed)
- Create categories and sub categories on the fly
- Add notes (you may need to justify buying that new pair of shoes later)
- Export reports via email

Bludget summarizes your expenditure and also allows you to drill down to examine your expenses in greater detail.

Instructions
---------

Bludget is easy to use.

- Add an Expense from the main screen using '+'
- Specify an amount
- Select the expense category and (if required) sub category - create a new category if you need it.
- Save your expense

Your expenses will be summarized on the main screen, click on a summary to see the expenses for the current time period.

Your budget, your finances, your plan! Control your income and expenses and save cash!

With MoneyStats you have full control of your personal finances, your budget and your income and expenses! Create financial overviews, evaluate, track and manage your money! Keep an eye on your budget, manage your money and various bank accounts, categorize expenditures, discover new ways to save money, load current and historical exchange rates, manage your finances on different devices, automatically categorize your transactions, create recurring income and expenses, import from external data sources such as CSV-files and analyze your current and future finances! MoneyStats is more than just a money app!

Features:
- Manage transactions and bank accounts
- Bank connection for your payment accounts (only in selected countries)
- Create budgets and track your expenses and income
- Categorize your transactions
- Your finances in charts and graphs
- Financial forecasts & reviews
- Manage different currencies
- Get current and historical exchange rates
- Set savings goals for your small and big investments
- Discover ways to save money
- Create account statements and other useful reports
- Synchronization for all your devices
- Share your data with family and friends
- Easy-to-use, intuitive navigation, tags for your categories and more
- Import and export data sources, such as CSV-, QIF- and TXT-files
- Many cool designs (incl. Dark Mode for all iOS 13 devices)
- Your financial data is well-secured and your privacy is paramount

Here are some sample questions you will be able to answer with MoneyStats:
- How much income was generated last month?
- What are my monthly gas costs?
- What is my annual profit?
- When will I be able to buy my own home?
- How much money can I spend on clothes this month?
- What is the current exchange rate of a specific currency?
- What was my highest electricity bill?
- In which quarter did I make the biggest profit?
- What percentage do I spend on food?
- What is my average insurance cost?

Data protection:
Your privacy is very important to me! I do not ask you for any personal information. And you don't need to register in order to use this app. By default, your data is only stored on your devices, giving you complete control of all your sensitive information. For additional protection, you can setup access locks which prevents unauthorized users from accessing your financial data. You can find further details in my privacy policy: https://ttdeveloped.com/en/apps-2/moneystats/privacy-policy/ and the terms of use here: https://ttdeveloped.com/en/apps-2/moneystats/terms-of-use/.

Download and try for free:
All essential functions of this app are free! With MoneyStats Pro you can create unlimited transactions without ads and unlock many more features for a one-time fee! Other in-app purchases such as data synchronization, exchange rates or reports can be purchased additionally. As an optional subscription model, we now also offer bank connection for your payment accounts (only available in selected countries). This feature allows you to connect your bank directly to the app and automatically import your latest transactions.

Support:
I've tried to make MoneyStats as intuitive and helpful as possible and I continue to make improvements and add new features. I look forward to all feedback, suggestions and questions and I will respond to your email as soon as possible. With your help, MoneyStats will be even more awesome!

Это приложение для планирования бюджета, которое также помогает в накоплении денежных средств. Большинство людей сначала тратят, а потом записывают траты. В этом же приложении ты сначала планируешь бюджет, а потом уже тратишь по нему. Ты видишь, сколько ты накопишь за определенное время, если будешь придерживаться своего плана.

Вводишь периодические расходы и доходы, а приложение рисует графики изменения счета за определенный период в будущем, то есть делает прогноз.

На графиках так же удобно видно, на что ты тратишь больше всего, и что в первую очередь следует оптимизировать.

Расходы и доходы можно вводить с разной периодичностью: час, день, неделя, месяц, год. Можно вводить в разных валютах. И можно вводить процентный доход к счету, чтобы увидеть эффект сложного процента.
Можно отключать различные доходы и расходы с помощью проставления галочки, что очень удобно при оценке влияния определенного заработка или трат.
Приложение все считает и конвертирует автоматически.