Money Watch – Personal Finance Blog

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

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

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

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

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

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

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

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

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

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

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

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

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

MAKE YOUR MONEY MORE MONZO

Images and description are relevant for the UK only.

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

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

16 million: how many people bank with us
1 million: how many businesses bank with us
24/7: the hours and days you can chat to our customer support

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Join the 80+ million customers worldwide who use our app to spend, send, and save smarter.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Trusted by over 2 million users, the Creation Finance App is the best way to manage your finance agreements and accounts with Creation, including Currys flexpay, Flexible Finance Account for Apple Purchases, B&Q FlexiPlan, Creation Loans and our other retail partners. With the app, Creation customers can manage their existing purchases, e-sign finance agreements (only available for new customers), make changes to payments, explore new purchases, and enjoy exclusive offers.



Why you should use the Creation Finance App:



- Easy and simple registration
Sign up in less than 1 minute.



- E-sign your agreement
Quick way to e-sign your finance agreement (only available for new customers)



- Dashboard
Information about your account(s), including your monthly repayment amount and balance at a glance.



- Manage payments
Make additional payments or changes to your Direct Debit.



- Inbox
View your e-statements anytime you want (only available for Currys flexpay account, Flexible Finance Account for Apple Purchases and B&Q FlexiPlan account).



- Secure login
Touch/Face ID login for quick and secure access to your account(s)



- Enjoy offers and deals
Discover offers available to app users.



Got any questions?
- Browse our frequently asked questions on https://www.creation.co.uk/faqs/



© Creation 2026



Creation Consumer Finance Limited. Registration Northern Ireland: NI032565. Registered Office: 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT. Authorised and regulated by the Financial Conduct Authority.



Creation is the trading name for Creation Consumer Finance Limited.

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

UP TO 10% CASHBACK²
Shop in the app and earn up to 10% cashback at hundreds of stores. Become a member and earn even more.

ONE MEMBERSHIP. ALL THE PERKS.³
Become a member and get the Klarna Card where you can pay flexibly anywhere Visa is accepted. Get cashback on every purchase, travel perks, free subscriptions and more.

UNLOCK YOUR KLARNA BALANCE³
Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.

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

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

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

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

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

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

UK's #1 app for active trading & long-term investing.* (76% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 3.8% on GBP, 2.2% on EUR, 3.30% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 3.60% AER (variable tracker rate), earned daily, paid monthly;
- Flexible - withdraw anytime;
- Completely free - no account fees.

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76% 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).
Trading 212 EU GmbH is authorised and regulated by German Federal Financial Supervisory Authority (BaFin) (BaFin ID number 10109603).
Trading 212 AU PTY Ltd. authorised and regulated by the Australian Securities and Investments Commission (License number 541122).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

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

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

SHOP WITH PURCHASE PROTECTION
Get built-in protection before and after you buy, with support when something doesn't go as planned.
*PayPal Purchase Protection is available on eligible transactions.
See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​

EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD  
Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal 
No monthly fees.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​

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

BUY NOW PAY LATER
In store single-use card is valid for one purchase and must be used within 24 hours of loan approval.
*Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4.

TRACK YOUR PACKAGES
View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​
 
MANAGE YOUR SUBSCRIPTION ALL IN ONE APP
The easy way to link and track all your subscriptions.

ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE
The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them.

PayPal
2211 N 1st St San Jose, CA 95131

Earn money as an online tester — as often and whenever you want. Take surveys, complete simple tasks and turn your spare time into money!
Join our fast-growing platform for paid online tasks. Sign up for free and immediately get access to countless online surveys and tasks.
•Earn real money whether on the go or from the comfort of home — maximum flexibility guaranteed.
•Choose from a huge selection of surveys and tasks.
•Unlock higher earnings the more you test.
•Fast and secure payout: get paid within 24 hours via PayPal.
•Rated "Great" — 4.1/5 on Trustpilot from over 24,000 reviews.
How Testerup Works
1.Sign up for free and browse tasks and surveys.
2.Choose what fits you — every completed task earns you cash.
3.Get paid fast and securely via PayPal.
With so many ways to earn real money, Testerup is perfect for side hustlers, students, and anyone looking for extra income — on your own schedule, wherever you are.
Safe & Secure Earnings
Your security is our priority. We ensure fair rewards for your time, and our fast PayPal payouts mean you won't wait long to get paid.
Ready to turn your free time into real cash? Download Testerup now and start earning for doing what you love — testing, completing tasks, and sharing your feedback.
Need help? Our support is available 24/7.

Need to check your cover, tweak your policy, start a claim or keep your car admin in check? The Sheilas’ Wheels app makes it simple.

It’s the savvy way to manage your car and home insurance, all in one place.

Check your details: view your policy documents in just a few taps
Make changes: update your car policy details quickly and easily
Start a claim: get things moving straight from the app
Renewal reminders: stay ahead of important dates
Secure login: use fingerprint or face ID for quick, safe access

And there’s more. Through our partnership with Caura, the app can help you stay on top of everyday car admin too.

Car tax: get timely reminders and renew in the app
MOT and servicing: receive MOT reminders and book your MOT or service
City charges, roads and tolls: check exemptions and pay charges in-app
Airport parking: pre-book parking at major UK airports

Simple, secure and ready when you are.

Download the Sheilas’ Wheels app today.

Disclaimer: minimum OS requirements:

iOS 16.0 or above
We’re always looking for ways to improve the app. If there’s anything you’d like to see, send your feedback to sheilaswheelssupport@caura.com

Take your trading skills to the next level with FX Replay, the ultimate Forex market replay and backtesting simulator. Whether you are a beginner learning the
ropes or an experienced trader refining your edge, FX Replay allows you to practice trading on real historical chart data, completely risk-free.

Stop waiting for the live market to present opportunities. With our advanced replay engine, you can simulate days, weeks, or even months of market price action
in just a few hours. Test your strategies, build your confidence, and master your trading psychology anywhere, anytime.

KEY FEATURES
Historical Market Replay
Travel back in time and replay real historical candlestick data. Control the speed of the market: play, pause, step forward candle-by-candle, or fast-forward to
find your desired trading setups instantly.

Extensive Cloud Datasets & Data Management
Access a rich, built-in library of high-quality historical data ready for instant download and backtesting. Our available Cloud Datasets include:
• Forex:
EURUSD data back to 1971
GBPUSD data back to 1971
USDJPY data back to 1971
AUDUSD data back to 1993
USDCAD data back to 1993
USDCHF data back to 1971
• Commodities:
XAUUSD data back to 2006.
XAGUSD (Silver)
USOIL (WTI) data back to 2019
UKOIL (Brent) data back to 2016
• Indices:
US500 data back to 2000.
US100 data back to 2000.
• Crypto:
BTCUSD data back to 2019

Want to trade something else? Easily import your own custom CSV data and perfectly replicate real-market conditions by customizing symbol settings like Spread,
Tick Value, Contract Size, and Swaps.
Realistic Trading Simulator
Experience the thrill of live trading without the financial risk. Open and close positions, set Stop Loss (SL) and Take Profit (TP), and utilize the One-Click
Trading panel for rapid execution.
Advanced Charting and Indicators
Analyze the market with a professional-grade charting interface inspired by the familiar MetaTrader 5 (MT5) layout. Utilize built-in technical indicators
(including ZigZag) and drawing tools to mark up your charts just like you would in a live trading environment.
Portfolio and History Management
Track your simulated trading performance. Review your trading history, analyze your win rate, and monitor your virtual account balance to see if your strategy is
truly profitable before going live.

Seamless Cross-Platform Experience
Designed with a highly intuitive interface, FX Replay offers a powerful, fluid backtesting experience optimized for both iOS and macOS.

Why choose FX Replay?
• Save Time: Gain years of screen-time and trading experience in a fraction of the time.
• Zero Risk: Perfect your strategies using a virtual balance before risking real capital.
• Familiar UI: Designed to feel just like the professional trading platforms you already know and love.

Start mastering the markets today. Download FX Replay and turn historical data into future profits!

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

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

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

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

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

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

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

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

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

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

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

Scan your cards, keep their details organized and save time filling payment forms. Use AutoFill and the Safari extension to fill saved card details in compatible fields without retyping them.

Add credit and debit cards with your iPhone camera, enter details manually or scan supported contactless cards with NFC in supported regions.

One purchase. No ads. No subscriptions. No account required.

LESS TYPING WITH AUTOFILL & SAFARI

Put your saved cards to use when shopping online.

• Use the AutoFill extension to fill saved card details in compatible fields.
• Use the Safari extension to fill supported payment forms while browsing.
• Keep quick copy available whenever you need to enter a detail manually.

Enable the extensions in your device settings before using them. Supported fields and filling behavior depend on the app or website.

SCAN CARDS WITH YOUR CAMERA

Use your iPhone camera and text recognition (OCR) to capture card details. Review and edit the information before saving, or add a card manually.

NFC CARD SCANNING - EU ONLY

Hold a supported contactless payment card near your iPhone to read the card information it makes available.

NFC card scanning requires a compatible iPhone and iOS version, an Apple Account registered in the European Union and a device physically located within the EU.

Supported cards and readable information vary by card and issuer. Some cards may also provide recent transaction information through NFC. This is not a live bank statement or a complete transaction history.

Reading a card does not enable contactless payments with your iPhone.

YOUR CARDS, ORGANIZED

Keep credit and debit card details together in one convenient wallet. Customize cards with colors and notes, and quickly access or copy the information you need.

FACE ID & PIN PROTECTION

Protect access to your wallet with Face ID or PIN. Saved card information is stored on your device. No account is required.

When you use AutoFill or the Safari extension, the card details you choose to fill are provided to the selected app or website.

EXPIRATION REMINDERS

Get notified before a saved card expires so you can keep its information up to date.

EMERGENCY CONTACTS

Save contact details for your card issuers and quickly find the right number if a card is lost or stolen.

OPTIONAL CARD SHARING

Share supported card information between your devices and platforms using a QR code or link.

MORE CONVENIENCE

• Manual card entry and editing
• Quick copy of saved card details
• Optional automatic clipboard copy after scanning
• Card colors and notes
• QR code and link sharing

ONE PURCHASE. NO RECURRING FEES.

Camera scanning, card organization, AutoFill and the Safari extension are included in one purchase. NFC scanning is included where supported.

NFC card scanning is restricted to eligible users and devices within the European Union. AutoFill and Safari filling require the relevant extensions to be enabled and compatible forms.

This app is a full-featured emulator of the TI BAII Plus financial calculator, developed specifically for CFA/FRM candidates and finance professionals. It replicates all functions of the original calculator with a clean, fast, and user-friendly interface.

- Identical functionality to the TI BAII Plus Professional (PB, DPB, DUR, MIRR)
- No ads, no in-app purchases
- Fast, reliable, and easy to use
- Ideal for finance and accounting students and professionals
- Optimal for CFA, FRM and CPA exam preparation
- Regularly tested and updated

Created and supported by a dedicated developer. For questions or feedback, please contact cfa.calculator@gmail.com.

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

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


SPECIAL FEATURES

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

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

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


CUSTOMER REVIEWS

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

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

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

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


OVERVIEW

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

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

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

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

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

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


ADDITIONAL FEATURES

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

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

Income OK - the fastest way to track your income and expenses.

The features of the app:

- expenses
- income
- the handy widget
- subcategories
- pie diagram
- synchronization
- password
- Touch ID & Face ID
- export to CSV
- backups

BalanceTrackr is a simple and private app to manage your finances, free from ads, paywalls and subscriptions. No login or bank connection required.

Add personal and shared accounts from as many banks as you like. Track balances, transactions, loans, and credit cards with clear overviews and intuitive graphs.

Most features are manual to give you full control, but optional smart features like automatic logging with Apple Pay are available to simplify your workflow.

Ideal for those tired of Excel, seeking an easier alternative for personal finance management.

Features:
• Total balance overview
• Countdown to next payday
• Manual entry of accounts, transactions, loans, and credit cards
• Recurring transactions for fixed expenses
• Account balance graphs and history
• Currency and payday customization
• Loan calculator for annuity and serial loans
• Face ID/Touch ID support via iOS settings
• Automatic logging with Apple Pay: Log transactions automatically in the background when you pay with Apple Pay – no need to open the app.
• Receipts for transactions: Add receipts from camera, photo library, or PDF directly to your transactions
• Currency calculator: Instantly convert between currencies
• Spending breakdown: See how much you spend by category
• Widgets! Track the countdown to payday or see the balance of 1 to 3 accounts – right from your home screen.
• Multiple types of notifications (optional):
- Get notified when a shortcut (e.g., Apple Pay transaction) is logged, or
- when an account balance falls below a chosen amount, or
- about upcoming transactions you have planned, or
- when it’s time to pay a loan.
• Set and track your progress toward your financial goals with the savings feature
• Payday integration – track your savings since your last payday
• Payday history: See how much you’ve saved or spent since your last payday – over time.
• Budgeting: Set monthly spending limits per category to gain better control of your expenses.
• PDF Reports: Generate PDFs with an overview of your finances – choose between financial report, account report, debt report, or category report.
• Choose your own background color for a more personal app experience
• Multi-currency support. Choose a main currency and set different currencies per account
• Smart note suggestions. Get helpful suggestions based on your past transaction notes

The loan calculator provides a clear repayment plan with monthly and annual details. Figures may differ slightly from your bank, but offer a good estimate without needing to log in.

Activate security with Face ID or Touch ID by holding the app icon and selecting "Require Face ID" or "Require Touch ID".

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
- widget for quick expense tracking on the go without launching the app: save your time
- quick and easy expense/income entries: save even more
- 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
- 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

The US Debt Clock .org App gives you a Real-Time glimpse of the most relevant economic data showing the financial condition of the US Federal Government, the 50 States and the World with over 3000, up to the Second Data Fields.

• Go Back in Time to the Year 1900 to see the performance of each President, all the
way forward into Future elections.

• Compare the Debt, GDP, Debt Per Citizen and Unfunded Liabilities of all 50 US States.

• See the World Debt Clock represented in US Dollars, and how each Country's Debt
Level and GDP place them in the Global Economic System.

• Look into the Future to see the US Debt Clock in 4 and 8 Years at Current Rates.

• See the Top 50 US City Debt and Unfunded Liabilities.

• Look into the Classified Budgets and Programs of the various US agencies.

• See all NASA's Current and Past Space programs represented in Today's Dollars.

• See the Cost of every US War in Today's dollars

• See the Cost of America's Military Hardware through History and in Inflation Adjusted Dollars Today.

• See a complete list of the Average Pay and 20 year Increase for the Top 200 Occupations in the U.S.

• See the Fortunes in Today's Dollars of some off America's top pioneers

• A special feature which lists America's most Expensive Natural Disasters in Today's Dollars.

• Take a Glimpse back in time 100 years and see the increase in prices for a List of Common Consumer items, Including Cars.

• Keep up to date with World Energy Usage, Precious Metals Production and Demand, Year to Date Auto Sales and Home Prices and Sales Rates.

• Go Back by decade to see where US Debt Levels were in 1980, 1990, 2000 and 2010.

• Travel Back in Time to the year 1100 for a complete History of Money and Banking.

• Federal Budget Showdown matches the CBO, OMB, HCB and USDC against each
other, 4 years into the future.

My Currency Converter Pro is the simplest, most beautiful currency converter you'll ever find. It supports over 150 different currencies from all around the world, ranging from the US Dollar to the Colombian Peso! It even supports BitCoin, LiteCoin and Dogecoin! If you're travelling, this really is a great app to use - you can find out how much your currency is worth in just a few short moments, even if you aren't connected to the internet!

FEATURES
- Over 150 currencies supported.
- Also supports BitCoin, LiteCoin and Dogecoin!
- Incredibly simple interface.
- Exchange rates are updated automatically - you don't have to do anything!
- "Switch" button to invert the currencies.
- Converts as you type (no need for a "Convert" button!)
- Uses 3 decimal places for greater accuracy!
- Find the current exchange rate of what you're converting.
- Optimized for the latest iPhone and iPad models.
- Pro version is ad-free and includes Apple Watch support!

Let us know if you have any comments or feedback! It's similar in nature to XE currency converter and Currency Converter Plus, but offers a lot more.