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.

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

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

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.

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

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: 4.6% on GBP, 2.4% 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:

- 4.35% 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

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 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 and US Dollars 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.

Our app is there for you, whether you’re on the move, at work or just relaxing at home. Tap, log in and check your balance, make payments or plan for your next big dream. Being there for you, it’s a people thing.

FEEL AT HOME

•Use your face or fingerprint to log in faster and more securely.
•Just open the app and explore your spaces to get quick access to everything you need, from statements to investments.

NO CARD? NO WORRIES

•Whether your card is lost, stolen or simply misplaced, relax knowing you can freeze it, order a new one, or look up your card details.

BE IN THE KNOW

•Stay ahead of your bills - your upcoming payments summary lets you know what’s being paid and when.
•Spending insights helps you understand where your money goes every month.
•Check your credit score and get personalised hints and tips to help you stay in control of your money and move closer to your big dreams, like getting a new home.
•Never miss important updates again: personalise your notifications to stay on top of everything.

IN FOR A PENNY

•Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound and moves the change into a savings account.
•Get cashback from your favourite retailers with Everyday Offers.

CONTACTING YOU

We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from Halifax.

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.

Halifax is a division of Bank of Scotland plc. This app and Mobile Banking are operated by Bank of Scotland plc (registered in Scotland (No. SC327000)

Registered office: The Mound, Edinburgh, EH1 1YZ). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

LEGAL INFORMATION
This app is designed and intended for Halifax UK customers to access and service UK personal products. 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 Halifax.

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.

Convert 0870 is dedicated to saving you money.

One phone call lasting at least a minute pays for this app and you have it forever! No limits, so use it for every number!

Many companies use 0870, 0845, 0844 numbers for customer service, which usually cost 35p per minute +

Calling such number on any phone is expensive so why pay more when there is Convert 0870!

Support for iOS 7/8 and the iPhone 6 & iPhone 6+

0870, 0845, 0844, 0800 and 03 numbers are covered too!

Why not try and get them at local rate?

Simply type the number and we'll do the work.

Alternatives for Successful Matches Too!

Dont fancy typing, why you can browse an alphabetical list, not only by name but numbers too!

Thousands of numbers stored offline for super fast results even when you have little network coverage.

More can be searched too and if its missing we will find it for you!

Unlike other similar apps we have spent a long time designing the interface to give you the best native experience, this means fast scrolling, quick results and a smooth feeling all over!

Know who you are ringing? You can also search for it by name.

Cant find a number let us know. We will do the hard work for you! And our response time is very impressive!

Say goodbye to high phone bills!

Say hello to 'Convert 0870'!
- Alternatives for Successful Matches
- Offline Mode
- Accurate Number Search
- Generalised Business search by name



*Local rates may still apply

***Coming next, Export links in "Make a Claim screen" ***


The Seafarer's Earnings Deduction (seafarer's tax) eligibility calculator. SeafarersCalc allows quick and easy checking of voyage dates to determine whether they meet the half-days rule. As the dates are entered, a 'traffic light' indicator shows whether the voyage is valid or invalid. Once a set of valid dates is entered, the eligible voyages go green and you should make a claim.

Look no further, you have found the best Financial Calculator app available.

In-App Purchase: 10bii+ Features (Bonds, Breakeven, Depreciation, Trig, Probabilities) available!

5 Stars: "What is the PV of WOW? I'm sure thrilled with everything about this app! Too bad there isn't room for another star!" - Pokey

5 Stars: "This tool is excellent. It's downright marvelous! I would recommend it to any financial advisor without reservation." -John L Olsen, CLU, ChFC, AEP

5 Stars: "Awesome Financial Calculator! I use it all the time and love it!" - Tinahart2

5 Stars: "Great customer service along with the app's ease of use made this purchase a no brainer." - HarborDan

5 Stars: "I am a full-time investor in real estate and notes. This has become my "go to" app on my iPad. [It does a] wonderful job in integrating visual tools to illustrate financial cash flows. A++++" - Sanjosee

Highlights:
- Displays current N, I/YR, PV, PMT and FV values right above buttons
- Print or Save PDF Amortization Schedules
- Easily enter your Uneven Cashflows in a spreadsheet-like worksheet
- Video Tutorials in Help section
- Draws Cashflow Diagrams for simple TVM or complex Uneven Cashflows
- Saves Recent calculations so you can easily reload them
- Easy Mode allows everyone to get the financial answers you need!

Finally a Financial Calculator for everyone! Whether you are a seasoned investor or you just have questions about paying off your credit card, refinancing your home, or planning your 401(k) contributions, the 10bii Financial Calculator has the answers to YOUR financial questions!

The 10bii Financial Calculator is a versatile and powerful financial calculator which features more than 105 different functions for financial analysis, business, statistics, and general mathematics. Modeled after the extremely popular HP 10bII Financial Calculator, the 10bii Financial Calculator app combines precise mathematics, intuitive display, and ease-of-use in one compact package. It allows you to easily calculate loan payments, interest rates, amortization, time value of money, investment value, and more using a combination of powerful and intuitive equation-writing functionality and helpful worksheets. The 10bii Financial Calculator's keypad has been specially designed to be easy to use and easy to see.

By expanding on HP's traditional presentation, the 10bii Financial Calculator allows quick and intuitive building and visualization of TVM (Time Value of Money) calculations and Uneven Cash Flows, lets you see the stored values of all of your memory registers in one easy view, graphs your statistical series, and lets you type in whole equations for easy review and one-touch evaluation.

With the 10bii Financial Calculator, you can:

Get answers to common financial questions WITHOUT having to know how to use a financial calculator! With the 10bii Financial Calculator's Easy Modes, answer a few simple questions worded in plain language (rather than Financial-ese) and find out just how much you'll save with that refi, how much you'll have at retirement, how long it'll take you to save up for that big purchase and more. Now with 12 Easy Modes!

Easily enter and see diagrams for Cash Flows, including rapid calculation of Net Present Value and Internal Rate of Return. A dedicated interface makes adding, editing, deleting, and reordering uneven cash flows a breeze.

Enter and analyze statistical data points, and see graphs based upon the values you enter. Includes standard calculations such as standard deviation, mean, and linear regression forecasting.

Never has using a financial calculator been so easy or intuitive. The 10bii Financial Calculator is powerful enough for the professional but accessible enough for everyone. It is an ideal tool for teaching the power of compounding interest, analyzing potential deals or business ventures, or just doing math problems, and sharing the results of your work with others.

The Cashflow Calendar app helps you manage the inflow and outflow of money between your accounts.

Setup your accounts in the way that makes sense for you! You can create an account for each budget category you would like to keep an eye on or have each account represent a physical account of yours i.e. your personal checking, credit and business accounts.

Insight:
Easily track the flow of cash between accounts. See what each account's balances will be on certain days of the month.

Data at a Glance:
With an innovative calendar display you can easily view all of your inflows, outflows and balances for an account at a glance.

Historical Data:
It feels good to have all of your data in one place. Input and view transaction details that happened yesterday... or last year.

Budget:
Organize your transactions in way that allows you to see what your top spending categories are.

Shared Accounts:
Connect your account with a friend or family member to view and update transactions on a shared account together.

Unlimited
Add an unlimited amount of accounts, transactions and shared accounts.

Top Selling Checkbook App

Accounts 3 is an easy to use application to replace your paper checkbook. With the Accounts 3 application, you will have a quicker and more convenient way to track your daily finances. You can schedule transactions, transfer funds, capture photo receipts, reconcile, view reports, export data, print, and much more. All features of the Accounts 3 app are designed to be quick, clean, intuitive, and easy to use.

FEATURES

* Touch and Face ID Support
Use Touch or Face ID to authenticate and launch the app quicker and more conveniently.

* Sync Data via iCloud
Sync your data across iPhone, iPad, and iPod Touch devices

* Universal Binary
Designed for iPhone, iPad, and iPod Touch devices. No need to buy separate apps for each device.

* Graphs and Reports
Review your monthly income vs. expense, spending by category, or income by category summaries with beautiful graphs and reports.

* Photo Receipts
Capture and store photo receipt as part of a transaction.

* AirPrint Support
Print reports directly from your iPhone or iPad to any AirPrint-enabled printer.

* Recurring Transactions
Schedule transactions to repeat weekly, biweekly, monthly, semimonthly, quarterly, biannually, or yearly on a start date that you choose.

* Split Transactions
Split a transaction among several categories for more precise tracking.

* Search
Quickly search for transactions and edit them from the same screen or export your search results.

* Reconcile Transactions
Reconcile by checking off cleared transactions and comparing the actual and outstanding balances against a bank statement.

* Smart Autocomplete
As you type, a list will show you your previously entered descriptions and corresponding category. Selecting an entry from the list will fill both fields of the transaction.

* Auto-increment Check # Field
Accounts 3 will suggest the next check number for you based on the previously entered number. If you replace your checkbook, just enter the new starting number and Accounts 3 will auto-increment from there.

* Transfers
Make a one-time transfer between accounts or set up recurring transfers to automatically repeat.

* Export in CSV, QIF & HTML Formats
Export transactions via email attachments for used with desktop applications such Numbers, Excel, or MS Money.

* Customization Settings & Themes
Configurable settings and themes to customize the Accounts 3 application based on your preferences. Themes are now also available in dark mode.

* Transaction Sorting/Hiding
Sort transactions by date in either ascending or descending order. You can also hide reconciled transactions to keep your current list from being cluttered.

* Accounts Reordering
Reorder your accounts from the account list in any order you choose.

* Accounts Delete Lock
Prevents accidental deletion of all the transactions under an account.

* Backup / Restore
Backup your data for safekeeping via iCloud, Dropbox, or email. Then restore it to your device whenever you need to.

* Passcode Security
Keep your accounts information private.

* FREE Accounts 3 Lite version
Please download the Accounts 3 Lite version to try before you buy.

iCompta is an application that lets you manage your accounts with ease. Keep track of your income and expense, schedule your bills, stay in line with your budget and finally know where all your money goes thanks to beautiful charts.

MAIN FEATURES :
- Manage multiple accounts with multiple currencies
- Sort and filter your transactions to make statistics on your income and expense
- Keep track of your income and expense thanks to budgets
- Monitor your portfolio
- Manage shared expenses : you can finally know who owes what to who
- Beautiful reports and charts
- Transfers
- Download your transactions from your financial institution automatically (requires an optional subscription, list of supported financial institutions is available on the web site or inside the application) or manually using a browser
- Easy import / export of transactions in QIF, OFX, CSV, XML and JSON formats
- Full synchronization between iCompta 6 on Mac and iCompta 6 on iPhone / iPad using iCloud, Dropbox or local network
- Modify many transactions at once using batch editing or the powerful rules engine
- Professional features : handle taxes, manage clients and make invoices
- Check transactions on your bank statements to avoid mistakes
- Password protection

Support available in English and French.

Terms of use : https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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

Whether you're a business or leisure traveler, hopping from country to country is a breeze when you have Currency+ in your hands!  This Universal currency conversion application for the iPad/iPhone/iPod Touch shows you what you're paying instantly and is easy to use even when you have jet lag.

KEY FEATURES:
- Currency Calculator
- Apple Watch Support
- Today Widget
- Support For Over 150 World Currencies, Precious Metals & Bitcoin
- Historical Charts
- Trend Analysis
- Background Rate Updates & Currency Alerts
- Editable Calculator Tape
- Inverse Currency Calculations
- Transaction Fees or Taxes
- 100% Ad Free

What Makes Currency+ stand out from other Currency Apps?

Currency Calculator
When you are traveling in a different country, most of the time your focus will be on converting the local currency back to your home currency. The built in calculator lets you focus on two selected currencies on one screen. The built in calculator remains on the screen at all times making data entry quick and easy.

Apple Watch
Use Currency+ on the Apple Watch. See your favorites currency list and your Currency Alerts directly on the watch.

Today Widget
Use the Today Widget to quickly see the conversion rates between all your favorite currencies. Tap the rate to reverse the conversion. Tap any of the currencies on the list to set as the base currency.

Support For Over 150 World Currencies & Precious Metals
For times where you want to keep track of many currencies at one time, the favorites list is where you need to go. You pick from over150 world currencies and precious metals (powered by Yahoo.com). Selecting any currency in your list, enter a value and the rest of the currencies in your list will show you that amount in their own currency in real time.

Historical Charts
Currency+ has historical charts. You can view historical currency conversion charts for any two currencies. Touch the chart with a single finger to see data from any period in the past. Touch the chart with two fingers to compare currency exchange rates from any two past periods. Show charts for 1 day (real time intraday), 5day, 3 month, 6 month, 1 year, 2 years and 5 years.

Currency Trends
With Trends, you can select any of the 150+ world currencies and compare it to a list of other currencies to see how it has performed over time. See if your currency has strengthened or weakened. Select your time period from days to years. Export your work to an email, text, note, etc using the trend share sheet.

Background Rate Updates & Currency Alerts
Currency+ will go out and update your currency rates without taking your device out of your pocket. Whenever you open Currency+, your data will always be up to date. Do you want to be notified when a currency goes above or below a certain value? If so, Currency+ can notify you of these changes without the need to open the app. You will receive a push notification on your device whenever the currency you are watching goes beyond the limit you set.

Editable Calculator Tape
Currency+ has an integrated calculator tape that keeps track of everything that you do. You can send any value from the tap to any of your favorite currencies. You can edit/delete/insert tape values and your calculations will automatically update. Finally, you can put comments on any of your tape values to help you keep track of what your numbers stand for.

Inverse Currency Calculations
Need to do inverse or reverse currency calculations? Currency+ can switch between standard and inverse currency conversion modes on the fly.

Transaction Fees or Taxes
Currency+ can factor in transaction fees (or tax) automatically. Individuals rarely convert money at published exchange rates - most banks and exchange offices charge a fee. Enter the transaction fee percentage to give you a better estimate of your 'real' conversion rates.

Make the leap with Jump Gap Software's Currency+, the currency converter that takes you around the world and back.

Gold Tracker is the premier precious metals asset management app for iOS. Finally, there is a convenient and user-friendly way of recording all your precious metal transactions.

Calculators:
Our customizable calculators are perfect for use in your gold store or pawn shop. At the touch of a switch, you can hide the percent you are paying for any metal so that you can perform calculations in front of your customers.

Vault:
Use the Vault to catalog all of your precious metal purchases. Each coin and bar gets added individually so you can have a visual overview of your inventory. Gold Tracker calculates your gain/loss per item so that you can see exactly which investments have made you money. When it's time to sell, record your sale and Gold Tracker will keep a record of that, too.

Currencies:
Gold Tracker features over 150 currencies and supports prices in troy ounces, grams, kilograms, and pennyweights.

Charts:
View precious metals charts in ounces, grams, kg's, in several currencies.

Manage your spendings and incomes easily.

Features:
• Minimalistic UI/UX
• Multiple widgets
• Repeating transactions
• Transaction note
• Transaction image
• Customizable categories
• Unlimited accounts
• Variety of currencies
• Timeline
• Statistics
• Search
• Pan to switch dates
• Import/Export
• iCloud Sync
• Accounts Sharing
• Siri Shortcuts
• Localized in 27 languages