Money Watch – Personal Finance Blog

The improved PayPal mobile app is the secure way to send, receive, and access your money from almost anywhere.

With our improved app, you'll get the convenience you want, paired with the secure transactions you've come to trust from PayPal. Plus, there are no transaction fees when sending money to Friends and Family in the U.S. when you use your bank account or balance.

HELP KEEP YOUR FINANCIAL INFORMATION PRIVATE AND PROTECTED
You can get peace of mind you deserve with:
24/7 transaction monitoring
Secure encryption technology
Fraud protection
Fingerprint and two-factor authentication (activation required)

SEND MONEY TO FRIENDS AND FAMILY FOR FREE
It’s free to send money to Friends and Family in the U.S. using your bank account or PayPal balance. Settle up for your share of the bill, send a loved one the gift of money, or request money from a
friend with ease.

PAY FOR GOODS AND SERVICES WITH CONFIDENCE
Sending money to someone you don't know? With PayPal, you can send it with confidence. When selecting Goods & Services, your eligible send money transactions can be protected by Purchase Protection. Terms and Limitations apply. And, if the recipient doesn't have a PayPal account, can open one easily for free.

ACCESS YOUR BALANCE INSTANTLY WITH THE PAYPAL CASH CARD
Easily transfer funds from your bank to your PayPal account and access your balance with the PayPal Cash Card. Shop in-store, online or anywhere Mastercard is accepted. Plus, withdraw your PayPal funds at ATMs worldwide.

SEND MONEY TO PAYPAL ACCOUNTS AROUND THE WORLD*
We make it easy to send money internationally. Choose from a range of currencies to help maximize the value of your dollar with our competitive fees. Sender and recipient must have a PayPal account.

Monzo makes money work for everyone.

Instant spending updates. Smart budgeting. Great rates abroad.

We’re a bank, but we’re trying not to think like one. Open an account with us in minutes, and start getting to know your money better.

We’ve been busy for the last few years building the best current account in the world. Now more than 1,000,000 people use Monzo to manage their money and spend around the world. Download the app today to join them.

Manage your money

- Set spending targets
Set monthly targets for spending on things like groceries and going out.
- See an easy summary
See an overview of your account any time, with notifications if you’re spending too fast.
- Get instant notifications
Get a notification the moment you use your card, before the receipt finishes printing.

Travel easily

- Use your card anywhere
Monzo works all around the world, and you don’t need to tell us if you’re going away.
- Take out cash
Withdraw up to £200 every 30 days for free (there’s a 3% charge after that).
- Spend for free
We don’t add any fees or charges for spending with your card, and we don’t mark up the exchange rate.

Send money fast

- Pay people in seconds
Send bank transfers that arrive pretty much instantly.
- Set up Direct Debits and standing orders
Manage recurring payments from your app.
- Split the bill
Split through the app and we’ll do the maths for you.

Keep your money safe

- Stay in control
If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)
- Rest easy
We’re part of the FSCS, so your money is protected up to £85,000.

And more!
24/7 real-live human customer support
Fair and transparent overdrafts
Full Apple Pay support

What people are saying about Monzo:
“Monzo? It might just be the future of banking.” — The Guardian
“A bank for people who hate banks.” — Bloomberg
“Monzo is a bank designed for the world we live in today.” — TechCrunch

Barclays Mobile Banking app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a Barclays current account, follow the onscreen instructions. You’ll need the 16 digit number off your debit card and you’ll need to verify your identity with PINsentry or at a Barclays cash machine.

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

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

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It’ll take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• No need to log in to lots of apps - view your current accounts held with other banks, safely and securely, in your app
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

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

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

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

Copyright © Barclays 2019. Barclays is a registered trade mark of Barclays plc, used under licence.

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

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

Winner of the ‘Best Banking App’ at the British Bank Awards for 2017 and 2018, our award winning app is available to download for our Online Banking customers.

What you need to register
•You’ll need to be registered for Online Banking
•Your Customer Number, which is your date of birth followed by four random digits
•Your Online Banking PIN & password, which is what you use to log in online
•When logging in for the first time you’ll be asked to choose a mobile banking PIN, which is what you’ll use in the future

Key Features
•Log in using Touch ID or Face ID – there’s no need to remember any details when logging in. Available on a compatible iPhone or iPad.

•Personalised greeting – customise how your app greets you when you log in, morning, day or evening.

•Get Cash – visit a cash machine and withdraw up to £130 without your debit card – perfect if you’ve forgotten your wallet.

•Pay someone new without a card reader – all you need is their account number and sort code and you can send up to £750.

•Manage receipts – designed specifically for Business customers, capture images of your receipts and organise them by date or type.

Other important information about our app
•Get Cash allows you to withdraw up to £130 every 24 hours at any NatWest, Royal Bank of Scotland (in Scotland) or Tesco ATM, as long as it’s within your daily withdrawal limit. You must have at least £10 available in your account.
•Paying someone new without a card reader allows a maximum of five payments totalling £750 per day. You must be aged 16 or over.
•Paying your contacts allows a maximum of 20 payments totalling £250 per day. Pay anyone who has our app or is registered for Paym. You must be aged 16 or over.
•To cancel a Direct Debit from within the app, you have until 8:20pm (UK time) on the day the payment is due. At or after 8:20pm (UK time), the payment due on that day will have been taken and we will not be able to retrieve it.
•To cancel or amend a standing order from within the app you must give at least two working days notice.
•You can create one Travel Plan at a time, for a maximum period of 90 days, that includes up to seven countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking, and only in your name. Joint account holders should register separately.
•Managing your receipts is available to Business Banking customers only.
•Standard data charges may apply – contact your network operator for details.

To enjoy all of the features that our app offers, you will need to accept the following permissions:
•Network communication for connectivity
•Your location to find your nearest cash machine or branch
•Access to your contacts list to allow you to Pay Your Contacts

By downloading this application, you are accepting the terms and conditions which can be viewed at natwest.com/mobileterms. We recommend that you save or print a copy of the terms and conditions and privacy policy for your records.

When it’s hard to find a moment for those small but important jobs, our app is here to help. It’s fast, convenient and more secure than ever, with built-in security technology to keep your banking details safe and private.

And since you’ve usually got your mobile or iPad on you, it’s the simplest way to do your everyday banking.

- Log on quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- Check your balances and pending payments
- View individual transaction details
- Transfer money between accounts, and make UK and international payments
- Pay your loan or credit card bill
- Pay in cheques
- Apply for loans, savings, cards and more
- Easily freeze debit card transactions, report lost or stolen cards and order replacements
- Reset your password or request a new PIN
- Update the your contact details
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

GETTING STARTED
New to this app? Setting it up is quick and easy – you just need to register your device. For this you’ll need:
- An up-to-date phone number registered with us
- Lloyds Bank UK personal, Islands personal or sterling international account
- Internet Banking user ID, password and memorable information (you can create these in the app).

KEEPING YOU SAFE ONLINE
We use the latest online security measures to protect your money, your personal information and your privacy. This includes preventing connections from the app on devices that we think have been tampered with. As a Mobile Banking customer, you automatically benefit from our online and mobile banking guarantee: http://www.lloydsbank.com/security.asp

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 LLOYDSBANK.

INFORMATION
Mobile Banking is available to our UK personal (and some Channel Islands, Isle of Man and WorldWide Service) Internet Banking customers. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

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

Touch ID requires at least iPhone 5s running iOS 10.0 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.

Everyday Offers is available to Lloyds Bank UK personal current account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and con ditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc.

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.

Our Mobile Banking app can do everything you’d expect, maybe a little extra. And you can use it whenever and wherever you want. So you can crack on if you’re on the bus, at work, or simply can’t tear yourself away from the telly.

THE BASICS
- Sign in quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- Swipe easily to see balances and statements
- View details of individual transactions
- Check money coming in and going out
- Make transfers and payments (it’s so easy)
- Manage your standing orders and view direct debits
- Pay your loan or credit card bill
- Pay in cheques
- Set up new payees or pay your phone contacts.

A FEW EXTRAS
- Earn as you spend with Cashback Extras
- Apply for loans, savings, cards and more
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

STAY SAFE
- Freeze card transactions if you’ve temporarily misplaced your debit card or want to restrict how it’s used
- Report lost or stolen cards
- Order replacement cards and PINs
- Reset your Online Banking password
- Update the contact details we have for you.

GETTING STARTED
New to this app? No problem. Just register your device and you’re ready to go. For this you’ll need:
- An up-to-date phone number registered with us
- Halifax UK personal account
- Online Banking username, password and memorable information (you can create these in the app).

KEEPING YOU SAFE ONLINE
We do all we can to protect you online. This includes preventing connections from the app on devices that we think have been tampered with. We also have an online banking guarantee: http://www.halifax.co.uk/aboutonline/security/

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
Mobile Banking is available to our Online Banking customers with a UK personal account. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

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

Touch ID requires at least iPhone 5s running iOS 10.0 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.

Cashback Extras is available to Halifax bank account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.

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.

Stay in control of your finances at your convenience with our handy Mobile Banking App. To get started, all you need to do is download the app.

**Features**

Manage your money
• Set up and pay a new payee*
• Set up and amend standing orders
• See pending transactions for your current account(s)
• Freeze and unfreeze your debit card if you temporarily misplace it
• Report your debit and credit cards as lost or stolen
• Complete a balance transfer to your Nationwide credit card*
• Log in with Touch ID or Face ID** – Fast, simple & secure access to your accounts
• Transaction history – View the last 15 months' activity on your Current, Credit Card and Savings accounts plus 24 months of your mortgage payments
• Search transactions – Helps you track down a particular payment quickly and easily
• Payments and transfers – Send money to existing payees, now or on a future date
• Manage payments – View and cancel standing orders and Direct Debits
• Pay a contact using their mobile number – Send and receive money via Paym with just a mobile number
• Cash flow bars – Your monthly spending habits made simple and visual
• Quick Balance – See your balance without the need to log in
• Apple Watch compatible – Check your balances with just a flick of your wrist
• View your customer number and the contact details we have on file for you

Become a super saver
• Create Savings Goals – Stay motivated (and on track) as you watch your savings grow
• Impulse Saver – Quickly save without logging in, making it even easier to put some money away for a rainy day
• Your savings interest rate – See what you're getting back for what you’re putting away

Customise your accounts from your device
• Increase or decrease your credit card limit
• Text alerts and paperless settings – Sign up or amend your text alerts and cancel paper statements if you don't really need them
• Manage your overdraft – Increase/decrease your overdraft limit
• Apply for something new – Apply for a broad range of Nationwide accounts

*You'll need your card reader for added security
**Device and operating system compatibility requirements apply

Designed especially for our UK customers, the HSBC UK Mobile Banking app lets you manage your money on the go easily and securely.

• Log on quickly and securely with Face ID and Touch ID
• See your accounts, transactions, standing orders and Direct Debits at a glance
• View and download your statements
• Send money to new payees using their bank details or phone number (Paym)
• Transfer money between all your eligible worldwide HSBC accounts
• Deposit a cheque
• Block your card temporarily

If you have HSBC accounts outside of the UK, please also download the HSBC Mobile Banking app to manage your global accounts.
HSBC is committed to providing digital applications that are accessible to all its customers. We take this responsibility very seriously; accessibility will continue to be a major consideration as we develop the app, and improvements will be delivered in future updates.

If you are not yet a Digital Banking customer, you will need to register for UK Digital Banking in order to use the HSBC UK Mobile Banking app.

Terms and conditions apply.

You can use the HMRC app to estimate your tax, manage your tax credits, access your Help to Save account, or work out your take-home pay.

Used by more than 550,000 people per month, the app puts you at the heart of your tax matters and financial life.

The secure fingerprint sign in means you can quickly:

• find your tax code
• work out your take home pay, income tax and National Insurance information with our tax calculator
• get your tax estimate, income and state benefits information
• read messages from HMRC
• track the forms and letters you’ve sent to HMRC

Keep track of your tax credits
You can:

• check your tax credits payments schedule
• find out how much you've earned for the year
• renew your tax credits

Manage your Help to Save account
You can:

• sign in to your Help to Save account
• check your account balance and bonus
• set a savings goal
• keep track of how much you’ve paid in
• see how much you can still save before the end of the month
• set regular reminders to save - or cancel them
• get easy access to your full web account to do things like pay in money or find out how to set up a regular payment

Signing up is easy
You:

• will need to provide your name, National Insurance number and date of birth
• may also need to provide details like your passport number and salary details

HMRC app is safe and secure
You can:

• use the app to get access codes to add security to personal, business and agent accounts
• only sign in to your personal tax account as an individual - you can't sign in as a business or an agent

What people are saying about the HMRC app

• “Loving the fingerprint scanner integration.”
• “Does the job and has stopped half my phone calls. Not that I made that many. Great app.”
• “Easy to log in easy to track tax credits and keep track of how much you've earned for the year.”
• “Great! So simple and easy to use.”

**After our next update, Santander Mobile Banking will no longer work on iPhones or iPads running iOS 9.3.5 or below. If this applies to your device, please update to iOS 10 or above to continue using the app.**

Use Touch ID, Face ID or your security details to quickly and safely access your Santander accounts in one place. Pay your bills, your friends and your mobile contacts with ease.

Manage your accounts
•See your running account balances and transaction history
•Check pending transactions for your Credit Card
•Information about your Santander products helps you make the most of your money

Quick, easy payments
•Move money between your Santander accounts, or pay somebody else
•Pay somebody using just their mobile phone number through Paym
•Manage your Direct Debits and standing orders
•Share payment confirmation through email, SMS or your messaging apps

Your money, your way
•Choose your Retailer Offers and get cashback at top retailers, just by spending on your Santander credit or debit card
•View alerts you’ve set up to help keep you informed
•Set up the Quick Balance widget on your device’s Today View, and see the balance of your chosen account without having to log on to the app.
•Use your app to authorise purchases made online.

BEFORE YOU START
You’ll need to make sure that we know your current UK mobile number, so that we can send you One Time Passcodes. Once that’s done, it takes just a few minutes to get started with Mobile Banking.

•Open the app and enter your Online Banking log on details
•We’ll send you a One Time Passcode (OTP) by text message
•Enter the code into the app and we’ll register your device
•We’ll then ask if you want to set up Touch ID or Face ID to log on.
And that’s it, you’re in!

IMPORTANT INFORMATION

Never share a One Time Passcode (OTP) with another person. Not even a Santander employee.
Never download software or let anyone log on to your computer or devices remotely following or during a cold call.
Never enter your Online Banking details after clicking on a link in an email or text message.

All interest and Retailer Offer rates within our App Store images are for visual purposes only and may not be indicative of our actual rates.

(English language only)

Santander Mobile Banking will not run on devices that have been jailbroken.

Please make sure you have the latest Apple software on your phone so that our app runs smoothly. Your device will need to be running iOS version 9.0 or above in order to use this app. If you are unable to update to this version, please log on to Santander Online Banking to access your accounts.

Apple, Touch ID and Face ID are trademarks of Apple Inc. registered in the US and other countries.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.

Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.

••• Read the reviews and see what people are saying •••

"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"


••• MAIN FEATURES •••

> HELPS YOU KNOW HOW MUCH TO SPEND
Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow.

> HELPS YOU SAVE MONEY
Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track.

> MORE PERSONAL THAN ANY OTHER BUDGETING APP
Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle.

> INSTANTLY SYNC VIA ICLOUD
Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you.

> AS MANY BUDGETS AS YOU NEED
Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up.

> FLEXIBLE EXPENSES
Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money.

> MULTIPLE CURRENCIES
Use any currency in the world for individual budgets.

> TRANSFER BETWEEN BUDGETS
Easily transfer money between budgets with a single click.

> SUPER SIMPLE, SUPER QUICK
Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know.

> 3D TOUCH SUPPORT
Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+

> TODAY WIDGET SUPPORT
Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies.

> BUDGETS ON ALL YOUR DEVICES
Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go!


Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple.

Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month.

So, start budgeting how you want, when you want, without any worry. Start using Pennies today!

If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too.

Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – hello@getpennies.com

The premium UK Salary Tax Calculator which includes a Tax Rates Reference Guide and VAT Calculator.

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.


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 2019/20, 2018/19, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 11 & iOS 12, and the iPhone X.

Optional Settings available:
• Scottish tax (SRIT) - all five bands from 2018 onwards
• Tax Codes - recognises L, S, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes
• 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 (Pre Sept 2012 and Post Sept 2012 schemes supported)
• Overtime and Bonuses (as a percentage or fixed amount)
• 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.

◆ Featured in the Telegraph Must-Have Apps List in the UK

◆ Featured in The Independent UK Newspaper

Are you saving for a house deposit, new car, holiday, household bill etc or putting money aside just in case?

Buy 'Savings Goals' and track your progress when saving. You enter a target amount and an optional target date by which you want to save this amount and the app suggests a savings schedule and tracks your progress. You can have as many separate Savings Goals as you need.

◆ Use a Target Date and the App will :
√ Calculate the Amount you need to save per Month/Week to reach your Goal by the Target Date
√ Calculate when you will reach your Goal if you save a certain amount per Month/Week
√ Produce a Savings Schedule showing when to add to your savings to reach your Goal

◆ Features a graphical display to show :
√ How much you have saved as a proportion of your Target
√ How close you are to your Target Date
√ Whether you are behind or ahead of schedule

◆ Customisable to suit your needs :
√ Save for any purpose! Name your Goal yourself
√ Saving Time Periods (per week/month etc) are fully customisable
√ Create as many Savings Goals as you need
√ Turn on Secure Entry to lock the App with an Entry Code if required
√ Customise the look of the App with Themes


Buy Savings Goals, keep track of your savings and save more !

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

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

watchOS 5 App. Designed for your wrist to quickly show your most important stats in Complication and Dock.

Data Widget. Instantly check your usage at any point from any screen. Just swipe to view the glanceable widget for iOS 12.

Smart Forecast. The advanced Forecast predicts if you'll stay within your data cap. And tells you in brilliant colors.

Real-Time Hourly Stats. Your latest statistics are retrieved directly and immediately from iOS. No more waiting for your carrier to update.

Export Usage Stats. You can export detailed statistics of your usage into a file so you can import it for viewing on your computer.

Beautiful Design. Simply gives the key stats you need most in an incredibly clean interface. It's so easy to track your data usage.

Additional features include:
・ Track cellular (LTE/4G/3G) and Wi-Fi
・ Monitor activities with Stopwatch widget
・ Compatible with all billing periods
・ Support Rollover / Carryover data
・ View hourly and daily history
・ Auto reset on bill cycle date
・ Four custom alert thresholds
・ Work with all carriers
・ Private and Secure - no VPN, no login

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

Allowance & Chores Bot makes it easy to keep track of your family's allowances and chores. With Allowance & Chores Bot, children won't lose or misplace paper money and you won't have to keep track of allowances and chores by hand.

If your family has more than one device, Allowance & Chores Bot will automatically keep your whole family’s allowances and chores in sync. Unlike other allowance and chore apps, Allowance & Chores Bot does not require any third-party service or special setup to sync all your family’s devices.

With Allowance & Chores Bot you can create a daily, weekly, or monthly allowance for each child.

Each chore can be a one time chore, or repeated on a daily, weekly, or monthly schedule. Each chore can be configured so completion is required for the child’s periodic allowance, or the chore can be configured as an extra reward in addition to their allowance.

With Allowance & Chores Bot, you can approve or unapprove all allowance and chore payments for up to 30 days.

Kids see how much they have saved and when and how much they’ve spent. The Allowance Graph lets your kids watch their allowance savings grow. Kids can see what chores need to be done and check them off when completed. Kids can receive chore reminders without having to open the app.

Allowance & Chores Bot gives you everything you need to manage your children’s allowances and chores and teach them about saving money, spending money, and earning money.

Features:

* Automatic sync between multiple devices - no setup required, just login with the same email and password.
* Set up daily, weekly, or monthly allowances.
* Choose whether allowances accrue automatically or only after parental approval.
* Keep track of how much money children have saved.
* Deduct money from a child's account when they spend money.
* Easily withhold any number of future allowance payments as punishment.
* Supports many international currencies.
* Supports several pretend currencies like Points, Smiley Faces, Federation Credits & more.

* Assign chores with a daily, weekly, or monthly schedule.
* Give rewards for good behavior or good grades.
* Allowance Graph lets you see a 30 day history of savings, spending, and chore activity.
* Receive notifications when each chore is done, and when approvals are waiting.
* Receive reminders when you forget to approve an allowance or chore payment.
* Photos can be added to each chore to help kids understand what needs to be done.
* Pre-readers can have things like chore names, chore descriptions, allowance amounts and savings amounts read to them by the app.

* Approve or unapprove allowance and chore payments for up to 30 days.
* Optional parental passcode stops kids from making changes without permission.
* Optional child passcode allows children to block siblings from having access their account information.
* Works on iPhone, iPad, and iPod Touch.

CrptoCurrency News - Your #1 source for the latest and breaking news across the web for all things cryptocurrency.

View headlines from over 30 top news sources in the crypto coin community all on 1 timeline. Set bitcoin price alerts and use our bitcoin widget to see the price on the lockscreen.

>Price alerts
Set to receive a price alert whenever the bitcoin price rises above or below a certain cost. Enable both alerts for a ranged alert


>Price widget
Enable the Price widget to see the bitcoin price from within the today view or lock screen

Within the app, you can also:
- Enable / disable news feeds
- view live social stream
- Easily read full articles
- Open articles in Safari
- add your own news feeds

News sources include The Merkle, Crypto Insider, CNBC, Coindesk, ETH News as well as Reddit communities including Ethereum, Bitcoin, Litecoin, Ripple, Dash and more.

If you think it should be added as a default option, let us know in a review.

Disclaimer: CryptoCurrency News has no affiliation with any of the sites listed within.

Easily manage your subscriptions with Subs. Get a quick glance at your recurring expenses and use the Review Mode to see how you can bring down your fixed costs.

Beautiful overview
See all your subscriptions in an elegant, easy-to-digest list with vibrant colors. You can see each subscription and its respective cost per a time period. At the bottom of the screen is a summary that allows you to get perspective into your spending. You can look at the cost of your subscriptions per day, per week, per month or per year.
Each subscription gets its own dedicated page that is just a swipe away. You'll see a breakdown of the cost, again in per day, per week, per month and per year basis.

Review Mode
With Review Mode, it's now easier than ever to see concretely how you can save your money. Enable Review Mode and start selecting subscriptions you might not need and the summary at the bottom of the screen updates to show your new costs. You can compare your saving in per day, per week, per month and per year basis.

Pre-made templates and customisation
When adding a subscription, select from an ever-growing list of pre-made templates that update automatically, or create your own one from scratch. You can choose and accent and background color and either select an included glyph or choose your very own image as icon.

It's those little things
Design for smaller displays. Passcode lock. Opt-out for analytics. 3D Touch on a subscription for quickly accessing more information. Swipe up or down on a subscription to edit it. It's all those little things that make Subs great.

Included glyphs are from Glyphish

StockIdeal Pro is designed to bring you a streamlined mobile stock market experience. Whether you are a novice stock user, chartist, or day trader, StockIdeal Pro is the last app you will ever need. It has everything from real time stock quote, pre-market/after-hour quote to customizable advanced charts. With highly customizable favorite action panel, you can access information about stock options, business news, market news stream, Forex, ETFs, commodities and stock futures. It will quickly become your ultimate investment tracking tool and trading platform!

=== Realtime Stocks Quotes
Real-time stocks quotes / shares, pre-market, after-hours price, market capitalization, open, high, low, previous close, volume, P/E, EPS tracker, yahoo finance news
Note: Realtime quotes for US only, there is a delay for some exchanges.

=== Alert Push Notification and Email Notification
Setup stocks alters with your customized triggers, the app will watch the stock change for you, and send you push notification once alerts are triggered.

=== Stock Watchlists / Stock Portfolios
Multiple Watchlists come with Dow Jones Components, S&P 500 Components, 401(K) Popular ETFs and Penny Stocks. Manage stocks and stock transactions in your portfolios, analysis portfolios, view open / close positions. Export portfolios (Text, CSV, PDF and Excel file)

=== Trading Strategy Backtesting
Backtesting tools help you find the most effective technical trading strategies

=== Stocks Screener / Market / User Stocks Scan
Find your favorite stocks using different criteria. Supported Exchanges: NYSE, NASDAQ, AMEX, TSX, ASX, SS, SZ, HK, LSE, SI, TW, NSE, NZX, Bitcoin

=== Market / Business News
Business / Finance news featured from CNN Money, USA Today, CNBC, Business Insider, Bloomberg, BusinessWeek, WSJ, Forbes, Entrepreneur

=== Stock Futures of Major World Indexes
United States, Mexico, Canada, Germany, France, United Kingdom, Italy, Sweden, Europe, Australia, China, Singapore, Hong Kong, India

=== Forex / Currency / US Treasury Bonds Rates
USD/CNH, EUR/USD, USD/JPY, GBP/USD, AUD/USD, USD/CAD

=== Commodity
Energy, Metals, Grains, Softs, Meats, Gold, Silver, Corn, Brent Crude Oil

=== Interactive / Native Stock Charts
Customize the chart date range, chart type (Line / Candlestick / OHLC), turn on / off chart indicators.

=== Chart Indicators / Candlestick Pattern
MACD, RSI, Williams %R, Money Flow, Slow Stochastic, Fast Stochastic, CCI, Chaikin OSC, ADX, ADXR, APO, AROON, AROONOSC, ATR, Beta, Chande Momentum, CORREL, DEMA, Momentum, NATR, ROC, ROCP, ROCR, STOCHRSI, TRIX, TSF, Oscillator

=== Interactive Technical Analysis
Easily draw trend lines, fibonacci retracement, fibonacci fan

=== Virtual Trading / Chat
Stock market trading simulator with realtime stock quotes, stock alerts, financial education resources, market trending news. Practice your trading skills and play trading game using free virtual fund, chatting with your friends.

StockIdeal Pro is the Pro version of Stock Master. DO NOT download this app if you have already purchased All In One inapp purchase in Stock Master.

Please send us feedback in the App if you need more features or find any issues, that will help us make it the best stock app in the app store.

SALE - 50% OFF!

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

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

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

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

For UK users, you can also compare your usage and costs against energy supplier prices in your area to see if you can SAVE EVEN MORE money. You can even switch suppliers directly from your device!

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

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

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

PRICE COMPARISON (UK only)
- Compare your usage and costs against energy supplier prices for your postcode
- Completely independent tariff calculator from Energylinx, the UK's number 1 guide to utility prices
- Switch energy suppliers directly on your device, or email yourself a link to do it on a computer

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

SUPPORT
Please don't leave support requests on iTunes as these are anonymous and I have no way of contacting you if I have questions. Instead there is a link to my support page from iTunes and from the app itself (or simply go to http://grahamhaley.co.uk/meters/).

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

Now available in mobile [iPhone/iPad] and desktop versions [Mac OS, Windows], including instant data sync between mobile/desktop versions. (Separate purchase required for each OS platform).

A lite version of HomeBudget is available under the free applications category. Give it a try.

Contact support@anishu.com, if you need help. We have no way of contacting you if you post an issue as a review.
--

HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs. Two key differentiating features of HomeBudget are:

1. Integrated set of features. The features within HomeBudget are well integrated such that a bill can become an expense (when you pay for it) and also adjust the account balance at the same time.

2. Family sync. HomeBudget includes Family Sync, an advanced feature that allows a group of devices within the household to exchange expense and income information, and work together within a single budget. Once setup, the devices sync with each other automatically over the air. Family Sync works across all features including Bills and Accounts. Please refer to the Family Sync Quick Start guide at http://www.anishu.com for information on configuring Family Sync.

KEY FEATURES:

Expenses:
- Create/Edit/Delete expenses and recurring expenses
- Browse expense entries by month, by category/date with the ability to drill-down
- Optionally associate an account and payee with an expense
- Attach photo images of receipts; drag and resize images on screen
- Support for multiple currencies and automatic exchange rate conversion
- Search expense entries

Income:
- Create/Edit/Delete income and recurring income
- Optionally associate an account with the income

Bills
- Create/Edit/Delete bills and recurring bills
- Support for Payees, and track payments by Payee.
- Make payment on bills either an as expense or as a transfer (to avoid double accounting your expenses)
- Calendar and list view of Bills
- Bill reminders

Categories and Budget
- Create/Edit/Delete expense categories and sub-categories
- Set a budget, and track expenses at the category/sub-category level.
- Associate icons with the categories and reorder category display order
- Budget rollover
- Classify expenses into fixed, variable and discretionary and compute your disposable income

Accounts
- Support for Accounts such as Checking, Savings, Credit, Debit, Cash, etc.
- Associate your expense and income entries with your accounts and accurately track account balances.
- View transactions, and do transfer between accounts.
- Ability to choose a different base currency for each account

Reports
- Trend chart for Expense, Budget and Income for the last 6 months
- Pie/Bar charts for expense break-down (Available in the Expenses screen).
- Export data/reports by email or via WiFi

Family Sync
- Automatically sync multiple devices (iPhone, iPad, iTouch) in the household and see the same numbers on all devices over 3G and WiFi
- Work within the same budget with other members of the household

Other
- Backup/Restore complete application data, including all receipts
- Ability to upload your own list of category icons
- Large numeric keypad for expense/income amount entry
- HomeBudget follows the locale/region setting on your device and shows date and currency symbols appropriate for your region

Visit http://www.anishu.com to see more screenshots, and to download the user guide (PDF, 42 pages).