Money Watch – Personal Finance Blog

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

MAKE YOUR MONEY MORE MONZO

Images and description are relevant for the UK only.

Hi, we're Monzo – a bank that lives on your phone.

Numbers are kind of our thing. Here are a few of our favourites:

15 million: how many people bank with us
800,000: how many businesses bank with us
24/7: the hours and days you can chat to our customer support

OPEN A FREE MOBILE BANK ACCOUNT IN MINUTES
Track spending, save money, split bills and manage your finances, all in one app
Sent money by mistake? Undo a payment within seconds before it leaves your account

GET TO KNOW WHERE YOUR MONEY GOES
Get instant notifications when money comes in and out of your account
Learn about your spending habits with weekly and monthly insights
Schedule your bills or regular monthly payments and manage subscriptions
Get that payday feeling one business day early when your salary is paid via Bacs
Free yourself from travel fees. Pay anywhere, in any currency on your debit or credit card (we pass Mastercard's exchange rate directly onto you, without hidden fees)

SUPERCHARGE YOUR SAVINGS WITH POTS
Create personalised Pots to separate spending money and savings
Turn spare change into savings with automatic roundups
Earn interest on money with Instant Access Savings Pots

SPLIT AND PAY THE MONZO WAY
Split bills, send reminders, and keep track of joint costs
Get paid back or make payments with a link (limits apply: £500 for requesting money and £250 for making payments with a link)

INVEST IN WHAT MATTERS TO YOU
Choose from a range of investing options to suit your interests, financial goals, and the level of risk you’re happy with
Start with as little as £1
Grow your investing know-how with bite-sized topics on investing essentials
The value of your investments may go up or down. You could get back less than you put in. UK residents 18+. Ts&Cs apply

MONZO FLEX: AN AWARD-WINNING CREDIT CARD
Monzo Flex is a credit card you can count on. It gives you real-time balance updates, a credit limit up to £10,000 and a 0% offer you can use time and time again.

Protect eligible purchases made with the Flex card with Section 75 Protection
Apply from your Monzo bank account. Eligibility criteria & Ts&Cs apply. 18+. Not keeping up with payments may negatively impact credit score
Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable)

BUSINESS BANKING FEELS BETTER WITH MONZO
Monzo Business Banking helps small businesses stay on top of their finances. Voted Best Business Banking Provider at the 2024 British Bank Awards.

Choose from Lite for free or upgrade to Pro or Team from £9 p/month
Enjoy automated Tax Pots, multi-user access, invoicing, expense cards and more
Connect Xero, FreeAgent, Sage or QuickBooks for taxes and accounting
Send and receive money internationally: make payments from your bank account (depending on the currency, you may need a Wise account. Fees apply) and receive money from 40+ currencies via SWIFT
Only sole traders and limited company directors in the UK can apply. Ts&Cs apply.

TRUSTED BY MILLIONS
15 million customers and counting
Voted Best Business Banking Provider – 2024 British Bank Awards

Download Monzo today and join millions using mobile banking to make money simple.
Manage your finances, savings, travel payments, credit cards and business banking, all in one award-winning app.

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £120,000 per person.

You'll need a Monzo current account to access Investments, Instant Access Savings Pots and the Monzo Flex Credit Card.

UK Residents only, Ts&Cs apply. Award is by Smart Money People.
Registered address: Broadwalk House, 5 Appold St, London EC2A 2AG

Join the 75+ 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
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.

Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.

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

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

BE THE BOSS OF YOUR MONEY
Manage your money with confidence, whenever and wherever you need. Join our 10 million App users – get the app and get started.

Seeing your balance, paying a bill or checking your transactions are just the start. Here’s some of the great stuff we’ve got going on in the App.

SPEND? SAVE? BORROW? INSURE? INVEST? APPLY IN THE APP TODAY
-Not yet banking with us? Don’t worry – download the App, it’s the quickest and easiest way to apply for a bank account with us.
-You can share documents with us in real-time using your built-in camera to complete your application quickly.

TAKE CONTROL OF YOUR EVERYDAY SPENDING
-Ever fallen into the subscription trap after that free trial? See, block and cancel subscriptions anytime.
-Need to settle up or transfer money fast? With Faster Payments you can sort it in quick time.
-Splitting the bill? Friend forgot their card? Request and receive money you’re owed from family and friends using ‘Request a Payment’.
-Get support all day and night, every day.

STAY IN THE KNOW WITH REAL TIME INSIGHTS
-Know what’s going on with your money in real-time, with upcoming payments and instant notifications when money’s coming in and going out.
-Wondering where your money goes? See where you’re spending and where you might be able to save, with Spending Insights.

MAKE YOUR MONEY WORK HARDER FOR YOU
-Enjoy a cheeky bargain or three with Everyday Offers. Earn cashback of up to 15% from a range of retailers with our current accounts and credit cards.
-Turn your pennies to pounds – using ‘Save the Change’. We’ll round up your debit card spend to the nearest pound and move it into a chosen savings account with us.
-Keep track of your credit score for free, with helpful tips and tools to improve it.

KEEPING YOU AND YOUR MONEY SAFE
-Use your fingerprint or face to login - it’s the fastest and most secure way to bank.
-Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, unfreeze it or order a new one in seconds.
-With the latest security tech we keep your money safe and stop those pesky hackers in their tracks.
-Your eligible deposits with Lloyds are protected up to £85,000 by the Financial Services Compensation Scheme. Find out more at lloydsbank.com/FSCS

LEAVE US A REVIEW ABOUT OUR APP
We’re always ready to listen and make things better for you.

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.

The app is available to customers with a UK personal bank account and valid registered phone number.

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 this legal requirement. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.

Earn money as an online tester? As often and whenever you want?

Join Germany's largest platform for paid online jobs and join over 2,900,000 online testers.

After signing up for free, you'll immediately have access to countless online surveys.

- Earn over USD 850 directly after download, whether on the go or from the comfort of your home, maximum flexibility guaranteed.
- Choose from the largest assortment in the German-speaking area, orders that fit you exactly.
- You will be regularly invited to the latest surveys.
- Orders with multi goals allow you to achieve higher earnings through continuous testing.
- Fast and secure payout: Get paid within 24 hours.
- Upgrade to a premium tester and earn exclusive access to higher-paying assignments.
- Tested, Verified, Recommended! We value authenticity and trustworthiness. Not for nothing we are recommended by Verbraucherschutz.de. In addition, testerup.com is certified with the TÜV - eKomi rating of 4.3/5.

FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹

SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores.

UNLOCK YOUR KLARNA BALANCE²
Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.

SAVE WITH KLARNA⁴
Earn interest with our flexible savings account – free to get started and no monthly fees.

KLARNA MOBILE
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $35/month. No hassle, cancel anytime.⁶

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

HASSLE-FREE RETURNS
Need to send something back? Report a return and we’ll pause your payments.

24/7 CUSTOMER SERVICE
Use our chat for 24/7 support.

¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/tmp-balance-deposit-account-disclosures
Paid membership required for a physical card. A one-time plastic card fee applies.
Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/tmp-klarna-membership-plan
Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback
⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.
⁶Cancel up to 24 hours before renewal in the Klarna app.

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more

EARN REWARDS WHEN YOU SHOP
Earn points on brands you love with in-app offers. Redeem points on checkout purchases
*Eligible items only. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY, SECURELY & IN SECONDS
Send money fast within the US and internationally to 110+ countries
Encrypted payments help keep financial details private and secure

EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD
Choose a monthly category and earn 5% back in rewards points*
No monthly fees.
*on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“The 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. The 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 in 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 orders and delivery status until they arrive safely at your door. Simply link your Gmail or Outlook to get started
Not all sellers are participants

BUY NOW PAY LATER
*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO. 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
About Pay Monthly: WebBank is the lender of Pay Monthly. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS

PayPal
2211 N 1st St San Jose, CA 95131

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: 3.8% on GBP, 2.2% on EUR, 3.30% 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;
- 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:

- 3.60% AER (variable tracker rate), 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, Silver, 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

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).

Hi, we're Zable. Download our app to join over 1 million of our credit card and loan customers.


Rated 'Excellent' On TrustPilot:


- Quick eligibility check: it won't affect your credit score

- Apply in minutes: simple, straightforward, paperless card and loan application

- Manage your money: credit card transactions, loan payments, and credit score

- Repay card in minutes: make card payments in the app

- Apple Pay: most approved customers are eligible for a virtual card immediately

- Credit score: see your Equifax score

- Credit that grows with you: we automatically review your account for credit limit increases and let you know when you're eligible

- No hidden card fees: at home or abroad

- Simple to use: manage your card or loan in the app


Zable Credit Card:


Track your credit, spending, score, and payments all in one place on our simple, easy-to-use app. Zable cards are available with Apple Pay, and most approved customers enjoy instant access to start spending right away.


Zable Loan:


The loan application process is paperless and fast – complete your application in our app and you could potentially receive your loan the same day. You can customise your loan amount and term, providing flexibility and control over your loan.


Credit Score:


Access your Equifax credit score for free, gaining valuable insights into your credit score history and the factors affecting your credit score and eligibility for a loan or card.


Zable Credit Card: Representative 48.9% APR (variable)

Zable Loan: Representative 32.5% APR (fixed)

Our loans involve fixed monthly payments over a set period, between one to five years. If you would like to change your repayment schedule or make early repayments for your personal loan, you can do so with ease (and without incurring a fee) via our app.

We're authorised and regulated by the Financial Conduct Authority as Lendable Ltd with reference 720261. Zable is a trading name of Lendable Ltd.

Here to help:

Reach our customer service team 7 days a week by email, phone, or text.


02033229128


contact@zable.co.uk


69-77 Paul Street

EC2A 4NW

“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

SeaDays – Built for life between trips

SeaDays is a simple, reliable tool for seafarers who need to track their offshore days, time at home, earnings, expenses, and leave across trips and years.

Life at sea isn’t just about time offshore. It’s about everything in between. SeaDays helps you keep clear, accurate records so you always know where you stand.

Whether you’re managing your working patterns, preparing information for tax or compliance purposes, or simply wanting better oversight of your time and income, SeaDays keeps it all in one place.

What you can do with SeaDays
•Track offshore days and days at home
•Log trips and rotations clearly
•Record earnings per trip or per year
•Track expenses and leave
•View yearly summaries of your time and income
•Keep consistent records across multiple trips

Designed for seafarers by seafarers

SeaDays is built specifically for seafarer life. It’s simple to use, flexible enough for different work patterns, and designed to work wherever you sail.

No spreadsheets. No guesswork. Just clear records you can rely on.

Why SeaDays
•Built for seafarers worldwide
•Clean, easy-to-use interface
•Designed around real seafarer schedules
•Clear records you can trust

Built for life between trips

SeaDays fits around your routine, not the other way around. Log your days, understand your numbers, and stay in control between trips.

*** No. 1 Ranked Finance App in the US & UK ***

'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST!

5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job"

5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!"

5-Stars - "This app is three things: Simple. Effective. Spot On."

5-Stars - "The details, features and thought that went into creating this app are endless."

5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across."

Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts.

You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now!

*** Features ***
--------------------
√ Simple and intuitive user interface
- helps you see results quickly and clearly

√ Hints and tips
- don't worry, we will guide you through the process

√ Summary shows your payoff progress
- includes progress bar, your debt free date and your interest/time savings

√ Choose from multiple pay off Strategies
- Lowest Balance First
- Highest Interest First
- Highest Balance First
- Custom Order

√ An unlimited number of debts can be entered
- each debt can be individually analysed
- payments may be entered as a percentage of balance
- support for introductory rates e.g. 0% for 6 months

√ Monthly Payments may be recorded
- either automatic or manual recording
- allows you to keep track of your progress

√ Backup & Restore
- use popular Dropbox service for online storage
- keep your data safe
- manually sync between devices

√ Choice of payment periods
- handles monthly, weekly and fortnightly payments

√ Extra Payments can be entered against each debt
- helps pay off your debts even faster
- can be entered Monthly, Yearly or as a One Off

√ Transactions can be entered against each debt
- allows you to take into account expenses/purchases
- can be entered Monthly, Yearly or as a One Off
- will increase the debt balance

√ Try out various 'What-If' scenarios e.g.
- a change in interest rate
- increased monthly payments

√ Export the debt details via Email
- professionally formatted PDF or HTML
- export individual debts or overall summary
- includes full amortization schedules
- charts are attached to the email export

√ Interactive reports
- easy visualisation of the debt breakdown
- compare debts side by side
- press, hold and slide to see the costs per month
- pinch to zoom

√ Set of Calculators are included to help you compute:
- monthly payments
- extra payments
- payoff date
- refinance benefits

√ Notification of payments due
- so you never forget to record a payment

√ Passcode protection
- keep your data safe

√ Full manual is embedded within the app
- has all the info you will ever need

Reached No.1 in UK Finance Charts on the App Store. Also featured on BBC Radio 4 & Sunday Times.

Unlike some free tax calculator apps, Tax Tool has all calculations and data built-in, so there's no need for an internet connection - use it anytime and anywhere, even if you don't have a signal!


SPECIAL FEATURES

• Perform Reverse Salary Calculations for working out your target salary from the take-home pay you need - useful for job interviews and pay rise negotiations

• View a pocket guide of key UK tax rates, limits and allowances, including Income Tax, National Insurance, Capital Gains Tax, Stamp Duty Land Tax and Pension Schemes

• Email your results, including a breakdown of the calculation, for sharing or backup purposes


CUSTOMER REVIEWS

"There's a reason for the high review scores posted for this app...it is an extremely well designed and thought out app."

"Brilliant app. Just saved me £160. Email and print give a very clear printed breakdown."

"This app is easy to use...I rarely write app reviews, but this one deserves all the praise it gets..."

"Outstanding - one of the best personal finance apps available."


OVERVIEW

Tax Tool is designed for UK taxpayers in paid employment, using the Pay-As-You-Earn (PAYE) system of automatic tax deduction.

The app was inspired by the quality of Apple's own apps. It was designed to be comprehensive, but also to be very easy to use and input information, with immediate results.

Choose to enter as much or as little as you want: accuracy is improved if you enter more information and if you enter your Tax Code, but it still gives a useful rough guide if you enter none of these.

A key feature is that it can perform reverse salary calculations. You can enter your desired take-home pay (what you need to receive, after payroll taxes are deducted, to cover your everyday lifestyle) and Tax Tool will instantly work out the salary needed to achieve that target. You can easily flip between these to work out net pay from gross salary or vice-versa.

The app also performs UK VAT calculations, and contains a handy reference for UK tax rates, limits and allowances.

Quick and simple: this is not designed to be a replacement for a full tax return (it doesn’t ask for full details on all your financial affairs), but it does provide a quick and useful estimate of the amount you will receive in your pay packet as an employee.


ADDITIONAL FEATURES

• Instant calculations as you type
• Doesn't need an Internet connection
• Shows a detailed breakdown of the calculations, including Income Tax paid at each band
• Flexible periods: enter and view results annually, monthly, four weekly, fortnightly, weekly, daily or hourly
• Calculates your National Insurance contributions, as well as your employer's
• Includes a VAT calculator, with Reverse function
• Calculates PAYE tax for tax years 2026/27, 2025/26, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 18 & iOS 26.

Optional Settings available:
• Scottish tax (SRIT) - all extra bands from 2018 onwards
• Tax Codes - recognises L, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes, plus Scottish S and Welsh C versions
• Contributions to company pensions (as a percentage or fixed amount). Also supports salary sacrifice pensions and contributions taken from net pay
• Childcare Vouchers
• Student Loan repayments (Plan 1 and Plan 2 schemes supported)
• Overtime and Bonuses (basic support for percentage or fixed annual amounts)
• Tax deductions
• Benefits-in-kind
• Contributions to charities
• Salary sacrifice (three types)
• Regular deductions from net pay
• Marriage Allowance transfers
• High Income Child Benefit Charge estimation
• Ability to switch off National Insurance calculations if State Pension Age reached.

If you are looking for a smart, full-featured and easy to use App to manage your bills, Bills Monitor is the one.

Use this app to ensure that never late to pay bills.

Bills Monitor - Bill Manager & Reminder is designed to manage all kinds of your bills. Log your bills in this app, you can track or check them from time to time visually and conveniently, also it will remind you to pay your bill after setting its reminding days. Bills Monitor will help to make your schedule easier and every bill in control.

The design and UI face is clear and tidy, which makes you manage the bills very easy and comfortable.

Features:

⁃ Calendar view of bills.
⁃ Indentify the state of bills by individual icon on them.
⁃ Add bills with their categories, amount, due date, pay account, recurring or not, recurring end date if available, paid amount, and note.
⁃ Remind when bill due date approaches or bills are over-due.
⁃ Mark payment to bills in full or in part.
⁃ Add recurring bills with frequency and end date conveniently.
⁃ Show number of unpaid overdue bills on icon.
⁃ Twenty system own categories and you can customize your own.
⁃ Report function to show categories (allocation) of bills by pie chart.
⁃ Customize period to email bills to your Financial Consultant or others in format of CSV, HTML or PDF.
⁃ Search your bills by key words of name, note, category, and account.
⁃ Passcode function to protect your info.
⁃ Supports Face ID as passcode.
⁃ Add account’s name, phone No., website, and note.
⁃ History to show all your bills.
⁃ Supports Wifi backup and restore.
⁃ Supports iCloud backup and restore.
⁃ Supports Dropbox backup and restore.
⁃ Supports Apple Watch version.
⁃ Supports Today Widget.
⁃ Supports 3D Touch function.
⁃ Supports both iPhone and iPad version.

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

Easily split multiple bills and checks between a group of people with intuitive and powerful application.

*********** AWARDS & WINNINGS ***********

"Use the Share-a-bill iPhone app when traveling with friends. It helps to track who spends what so no more arguing about money."
- Carlo Alcos, CNN.com

"One of the best travel app"
- Aol Travel

"We found this to be our most handy travel tool."
- Jade Broadus, vagabond3.com

"The essential travel companion. Rating 5 of 5"
- iPhreek.com

"Share-a-bill awarded with "Best" award by iPhoneAppsPlus.com"

"Share-a-bill app offers a lot. You can always know who owes you what, with relatively no effort. For that reason alone it’s a great app. Rating 4 of 5"
- Ryan Johnson, slapapp.com

*********************************************

Have you ever been on holidays and you wanted to share the costs/expenses with your friends? Usually at the end of the holidays you were sitting with your friends, everyone with some bills and someone must compute who owes what to whom and how much.

With the powerful application “Share-a-bill” you can define individual events and group of people involved in each event. Enter each expense on the fly and define who paid for the expense and who has participated on that expense. If you are abroad you can define several currencies and their exchange rates. At the end of the event everybody knows exactly who owes what to whom. Finally you can email a detailed report from the event to your friends.   

FEATURES:
- easy to use interface
- managing multiple individual events with the option to copy items such people, currencies from existing event
- iPod/iPhone address book support for selecting people participating in the event
- fast method for entering new expense/transfer in a few seconds
- uneven splitting of individual expenses between people
- built-in calculator
- support for transfers (cash operations to balance the amounts during the event / to handle additional money loans or paybacks)
- resolutions screen automatically computing and displaying exactly who owes what to whom
- ability to record paybacks directly from computed resolutions
- emailing detailed and very clean summary reports about the event to your friends
- support for multiple currencies and exchange rates with the option to enter reversed rates
- possibility to change default domestic currency accessible from iPhone/iPod's settings
- Retina display graphics
- and many more

For additional informations and useful tips please visit our support website.

Currenzy is a beautiful currency converter app for daily currency conversion needs. Its unique feature automatically converts currencies on a web page through its safari extension.

With Currenzy, you can convert currencies anywhere inside your iPhone or iPad, where text selection is shareable. When you are on apps like mail or notes, select the text and share it with the Currenzy app extension to see the conversion. You can use your iPhone camera to convert prices on a price tag or a hotel menu while traveling abroad.

Currenzy is also privacy-conscious, so none of your data leaves your device.

• Supports all major currencies. (Over 150+ World Currencies. Digital Currencies - BTC, ETH)
• Safari Extension Support - the ability to currency convert in your browser
• Action Extension Support helps convert currencies in all apps where text selection is possible.
• Home Screen widgets
• Apple Watch Support
• Bookmark List
• Historical Chart
• Built-In Calculator
• Personalized Actions - custom exchange rate, transaction fee,
• Support for custom exchange rate
• Can work without an internet connection
• Supports Dynamic Type
• Functional and easy to use
• Clean Interface & Natural Gestures
• Universal App - iPhone, iPad, and Apple Watch
• Custom App Icon support for a personalized touch
• Handoff support, start on one device and resume on another
• iCloud sync
• Dark and Light modes with multiple color accents
• Universal purchase for all your devices
• Family Sharing support
• Localized in French, German, Italian, Japanese, Simplified Chinese, and Spanish

Currenzy is designed to make currency conversion as simple as possible. For any feedback and suggestions, please e-mail us at hello@waplestuff.com."

WifiMan automatically tracks your Wi-Fi data usage by SSID, so you can easily get real-time usage statistics for all your Wi-Fi networks.

Features:
・ Monitor Wi-Fi usage on iPhone / iPad
・ Auto track multiple Wi-Fi networks
・ Get real-time network statistics
・ View data usage per SSID
・ Home Screen widgets
・ Map your Wi-Fi networks
・ Export network statistics
・ Security - no VPN, no login
・ Privacy - no monetizing your info

# Meticulously made by the developer of DataMan
https://xvision.me/dataman

Deposit is a new and the most advanced compound interest calculator with a unique way of quickly entering and adjusting values. The app has been designed to evaluate bank deposits. It makes compound interest calculations with different compounding periods, contributions, withdrawals and inflation quick and easy.

Features:

- Daily, weekly, biweekly, monthly, bimonthly, quarterly, bi-annual or yearly contributions or withdrawals.

- Daily, weekly, biweekly, monthly, bimonthly, quarterly, bi-annual or yearly compounding.

- Allows taking inflation into consideration.

- Supports large sums.

- Sending of detailed calculation and results table to your email or printer.

- On-the-fly saving of calculation results. Favorites support.

The app is translated into 21 languages, it supports all recent models of mobile phones and tablets.

Bitcoin Vision AI Pro — App Store Description (Paid)

Bitcoin Vision AI Pro is the premium upgrade to Bitcoin Vision AI—built for traders who want faster context, smarter indicators, and a cleaner decision dashboard.

Track live market moves, spot liquidation pressure zones, and follow signal-first news and posts—without the noise.

Key Features
•Market Overview Dashboard – Live price, AI calls, and momentum at a glance.
•Liquidation Zones – Identify upcoming pressure levels and likely liquidity clusters before they hit.
•Smart Indicators – RSI heatmap, liquidation flow, taker long/short ratio, and instant market context.
•Live Price Pulse – Real-time charts plus built-in AI Q&A for quick explanations and clarity.
•Trending News – Breaking headlines across BTC, altcoins, and macro events.
•Market Tweets – Signal-first posts from X, curated for relevance.
•Past Liquidations Heatmap – Historical liquidation bands with impact notes and events ahead.
•News “Bits” – Fast headlines, market impact highlights, and live refresh.
•Theme-Ready UI – Switch between Dark and Light anytime.
•Global by Design – Supports 12 languages for a smoother worldwide experience.

Paid App (One-Time Purchase)

Bitcoin Vision AI Pro is a paid app. Once installed, you get full access to Pro features, along with ongoing improvements, fixes, and updates.

Availability

Available now on the Solana dApp Store under DeFi & Trading.

Stay ahead of the curve. Stay in control.