Money Watch – Personal Finance Blog

Our new PayPal app is a simple and secure way to get paid back for last night’s takeaway, send money to friends who have an account with PayPal, check PayPal activity, choose currencies to send around the world and more. Plus, we’ve added some new features we think you’ll love…

*NEW* A TOUCH-FREE WAY TO PAY OR BE PAID
• If you’re buying, simply scan the QR code to pay securely with your PayPal app.
• Whatever you’re selling, now you can quickly set up a QR code and get paid in person, all with just your phone.

SEND AND REQUEST MONEY FOR FREE
• When funded by a bank account or balance, it’s free and secure to send money or ask for it back from friends and family in the US.
• All you need is an email address, mobile number, bank account, cash pick up service point or mobile top up details. *An account with PayPal is required to send and receive money. If you don’t have an account with PayPal, you can sign up for free quickly and easily.
• NEW FEATURE: just type a name, email or phone number and PayPal will find the right person for you.
• Request money quickly and securely from friends or family with just a few taps.

GET INSTANT SPENDING NOTIFICATIONS
• Never miss a thing – keep on top of payments and sending or receiving money, with instant push notifications.
• Check out all your latest PayPal activity, by just logging in.

ACCESS YOUR BALANCE INSTANTLY WITH THE PAYPAL CASH CARD
• Easily transfer funds from your bank balance to your account with PayPal.
• Shop in-store, online or everywhere Mastercard® is accepted and withdraw cash at ATMs worldwide.
• PayPal Cash Plus account required to get the card.

TRUST PAYPAL SECURE TRANSACTIONS
• You can be sure PayPal will help keep your financial information secure, with commercially available encryption, and fraud detection. All that plus monitoring transactions, 24/7.

CRYPTOCURRENCY
PayPal Cash or Cash Plus account required. Terms apply. Only available in the US and limited in certain states. Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax adviser.

PAY IN 4 WITH PAYPAL
Buy now and pay later by splitting your purchase into 4 payments.
Just choose PayPal at checkout and select ‘Pay Later’, where you’ll see ‘Pay in 4’ as a way to pay.
Make the down payment today, and pay the rest in 3 payments – one every two weeks.
Payments are easy to manage through the PayPal app and on PayPal.com.
Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License.
PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457.
Learn more at paypal.com/payin4

Not all features may be available in your market.

The Barclays app

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

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

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

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It can take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• 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 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 2021. 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.

The UK's fastest-growing bank is coming to the US!

Your Monzo account is instant spending notifications, stress-free traveling, easy budgeting and support from real people, whenever you need it.

Always know how much money you have

Get on top of your spending with instant notifications every time you pay for something, with a balance that updates immediately, not days later.

Use your card anywhere

Whether it's with your hot coral debit card, or Apple Pay, Monzo works all around the world, and you don’t need to tell us when you're going.

Spend for free

We don’t charge fees for spending on your card, we don’t charge overdraft fees and we don’t mark up the exchange rate when you go abroad.

Pay people in seconds

Send and receive money free and instantly with other Monzo users, and say thanks with an emoji!

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

Money in your Monzo account is protected by FDIC, so you’re insured up to $250,000, and our anti-fraud systems make sure your money is safe, without adding friction for you.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

Monzo Inc. does not offer or provide banking services on its own behalf or for its affiliates and is not a bank. Monzo Inc. is wholly owned by Monzo Bank Limited. Monzo Bank Limited is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.

New to our app?

Join millions of customers who use this app for simple and safe everyday banking. Our app is fast, convenient and secure – keeping your bank details private at all times.

What you can do
- Log on quickly and securely with Touch ID, Face ID or three characters from your memorable information
- Manage your account – check balances and pending payments
- Set up Direct Debits and standing orders
- Pay in cheques
- Easily transfer money and make payments to UK and international accounts
- Receive notifications about payments and spending insights on your current account
- View your PIN or request a new one
- Easily request a new card, report lost or stolen cards, freeze them and order replacements
- Quickly find and view transactions and statements
- Update your contact details

You can find plenty of other information in the app by using our ‘Search’ tool, as well as our handy ‘Help hub’.


Getting started
All you need is:
- The phone number that you’ve registered with us
- A Lloyds Bank personal, Lloyds Bank Islands personal, or Sterling international account

Keeping you safe online
We use the latest online security measures to protect your money, your personal information and your privacy.


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


Important information
Your phone’s signal and functionality may affect your service. Terms and conditions apply.

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).

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 conditions apply.

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.


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
- Receive notifications about payments and spending insights on your current account
- 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.

Download the Crypto.com App and sign up for an account in minutes.Start earning up to 6.5% p.a. on your crypto. Grow your digital assets now!

With Crypto.com you can:
- Earn up to 6.5% per annum (p.a.) on your crypto,12% p.a. on stablecoins
- Get a Metal Visa Card (up to 8% Rewards back)
- Buy/sell 100+ crypto at True Cost
- Deposit crypto, get an instant loan*
- App users can trade on Crypto.com Exchange instantly

Our first product is the Crypto.com Visa Card :
- A beautifully crafted metal Visa card
- Up to 8% Rewards back on card spending (based on card tier)
- Music and movie subscriptions rebates on selected streaming services**
- Unlimited access to 1000+ airport lounges globally on select cards.
- 10% Rewards back on bookings on selected travel websites**
- Interbank exchange rates
- No Fee ATM withdrawals***

Crypto.com Wallet App covers all your basic cryptocurrency needs:
- Buy crypto AT TRUE COST, no fees, and no hidden spread markups.
- Buy Bitcoin (BTC), Dogecoin (DOGE), Ether (ETH), Litecoin (LTC) and other leading coins with your credit/debit card or bank transfer.
- Securely store, send and receive cryptocurrencies.
- Track 200+ coins with our cryptocurrency price tracker.

Our services are available based on your jurisdiction.

===================================
As compliance is a core competency of Crypto.com, user's identity/location verification will fail if you are located in a market where cryptocurrencies are banned/restricted by local regulations.

Any issues or feedback? Please contact us via in-app/website live chat or contact@crypto.com.

* Not yet available in all markets (e.g. USA)
**These offers are launched by Crypto.com independently and there is no partnership between Crypto.com and the merchants in this offer. Crypto.com has the sole discretion to modify this offer at any time.
*** ATM bank fees may apply. Limits Apply. See GetMCO.com or Crypto.com for details.

US Customer Disclaimers:
By using this card you agree to the terms and conditions of the cardholder agreement AND FEE SCHEDULE, IF ANY. This card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank ©2014.

European Customer Disclaimers:
The Card is issued by PayrNet Limited, an electronic money institution authorized by the UK Financial Conduct Authority to issue e-money (Reference Number: 900594).

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents at any time.

All forms of investment and trading involve risk, including the possibility of losing the entirety of your invested capital. Such activities are not suitable for everyone and should only be carried out by individuals who understand and accept the associated risk factors.

Hello, banking in 2021.

Apply in minutes – anywhere, anytime.

We’re on a mission to change banking for good. Voted Best British Bank, Best Banking App, Best Current Account Provider and Best Business Banking Provider at the 2021 British Bank Awards, Starling is the financial control centre that lives on your phone.

Our award-winning personal, business and joint accounts make managing your money as seamless and simple as it should be in 2021 (and we’ve got the Trustpilot rating to prove it!).

Open a mobile bank account from your phone – for free – and join over two million people who are already keeping track of their money with Starling.

What’s in it for you?

Better budgeting

• Get instant payment notifications and track your balance in real-time
• Analyse how you spend with Spending Insights
• Keep on top of your bills with 24 hours notice
• Connect to other money management tools through Starling Marketplace, such as Nutmeg and PensionBee.

Pay seamlessly

• Add a free Connected card to your account so someone can shop on your behalf
• Owed money? Send one single link to get paid back
• Enjoy easy international transfers to over 38 countries from your app – no hidden fees or exchange rate markups
• Pay people instantly in-app – no fiddly card reader needed
• Deposit cheques digitally from your phone and pay in cash at the Post Office.

Save effortlessly

• Set money aside in Goals while separating rent and bills from everyday spending
• Personalise your Goals with pictures to keep your eye on the prize
• Save on autopilot – we round up payments to the nearest pound and put the spare change in a Goal.

Keep your money safe

• Your money’s covered up to £85,000 by the Financial Services Compensation Scheme
• With 24/7 in-app support from real humans in the UK, we’re always here to help
• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments

Want to move all your banking over? Just ask – we’ll do all the heavy lifting through the Current Account Switch Service. It takes one week and can be set up in minutes.

The business bank account
Our award-winning business bank account helps sole traders and limited companies save time and money, so they can get on doing what they love.

No monthly fees, mobile and web online banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office for as little as £3 and deposit cheques digitally in-app. Automate your expenses, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics.

Starling Kite for kids
A great way for children to learn about grown-up spending and saving: our debit card for kids. Like a child bank account, Kite is built seamlessly into your Starling account (personal or joint) for better visibility and control. Kids have their own app, too.

The euro bank account
Got financial commitments overseas? Hold, send and receive euros for free with a Starling Euro account. Convert the pounds in your personal or business account into euros with a tap – and back again – at the real exchange rate. No commission, no fees, no hassle.

The joint bank account*
*Currently only available for personal account holders

Manage collective household expenses or save up for something big; our joint account simplifies shared spending. Get instant payment notifications, track your spending with Insights, save up together and make important payments from one account.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP.

We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

Take the hassle out of banking. Our app makes your day-to-day banking easy, quick and secure.

It’s available to customers aged 11+ with compatible iOS and a UK or international mobile number in specific countries.

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

Your money. Your choices

From being able to quickly check your account balances and transactions, to moving money between accounts, sending money securely to others and paying someone new up to £1000 without a card reader or getting cash from an ATM without your debit card, our app gives you greater control of your finances.

You can manage your bills easily and check the details of Direct Debits and standing orders. If you need a hand with anything, our Secure Messaging tool lets you to contact us in-app for any extra help.

You’re protected by our secure banking promise

With our app you’re covered by our secure banking promise, which makes it one of the safest ways to bank. We monitor your account 24/7 for unusual activity and will refund any money paid out of your account as long as you keep your security information safe.

You can log in to the app safely with Touch ID, Face ID or secure passcode and there is always a confirmation check to make sure you’re paying the right person or business.

Apply for new accounts

• Apply directly for a current account from the NatWest app (account eligibility criteria apply)
• Open and manage a savings account (account eligibility criteria apply)
• Apply for a borrowing product directly in the app (aged 18+ eligibility criteria apply)

Smart tools to help get you sorted

• Check your Credit Score
• Manage your spending and set budgets
• Lock and unlock your debit and credit cards
• Set travel plans
• Manage and store receipts
• Set savings goals directly in the app
• Add your loyalty cards directly to your app

Important things to know

• There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.
• Get Cash - Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).
• Touch ID and Face ID are available on selected devices.
• Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.
• Spending - You must be aged 16+. Only available for Personal and Premier Current accounts.
• Lock and unlock MasterCard credit cards only.
• 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 and Premier customers only.
• Savings goal available on instant access savings accounts.
• My Loyalty Cards is available to customers aged 18+.

Please make sure you accept the following permissions before starting:

• Allow the app to communicate through your network
• To find your nearest cash machine or branch, you'll need to let the app find your location
• To 'Pay Your Contacts', the app will need access to your contacts list

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.

Use Touch ID, Face ID or your Security Number to access your Santander accounts quickly and safely, including your mortgage. All your contacts in one place so you can pay your bills, friends, and mobile contacts with ease.

Business customer? You’ll need to download our other app, ‘Santander Mobile Business Banking’, to manage your business accounts.

Manage your accounts
• Use our 24/7 ‘Chat’ service to ask your banking questions. We can also put you in touch with a real person should someone become available.
• See your running account balances and transaction history.
• Check pending transactions for your current account and credit card.
• Arrange mortgage overpayments or change to a new deal with us.
• Report your credit or debit card as lost or stolen.
• Freeze your Mastercard debit or credit card if you’ve lost it.
• View your card PIN by logging on to the app, clicking ‘More’, then ‘Cards’.
• Move money between your Santander accounts.
• See information about your Santander products to help you make the most of your money.

Quick, easy payments
• Pay a Santander credit card using your Santander current account.
• Make secure, fast payments.
• Pay someone using just their mobile phone number through Paym.
• Manage your Direct Debits and standing orders.
• Use Touch ID, Face ID or your Security Number to authorise transactions made online, and consents with third party providers.

Your money, your way
• Sign up to My Money Manager and get insights to help you make the most of your money.
• Switch on Retailer Offers and get cashback at top retailers, just by spending with your Santander credit or debit card.
• See alerts you’ve set up to help keep you informed.
• Set up ‘Quick Balance’ on your device’s Today View and see the balance of your chosen account without having to log on to the app.

Before you start
We’ll need to send One Time Passcodes to the mobile phone that’s registered to your account, so make sure that your number is up to date in Online Banking.

Once that’s done, it takes just a few minutes to get started with Mobile Banking:
1. Open the app and enter your Online Banking log on details
2. We’ll send you a One Time Passcode (OTP) by text message
3. Enter the code into the app to register your device
4. We’ll ask if you want to set up Touch ID or Face ID to log on

And that’s it, you’re in. Be sure to allow ‘push notifications’ to get messages from us straight to your phone’s home screen.

Remember …

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 11 or above 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.

Join over 3 million of our members who are using the Nationwide Banking App for their everyday banking needs. It’s simple to get started.

##Manage your everyday banking needs##
Securely log-in using Touch ID, Face ID or 3 numbers of your passnumber. Once signed in you can use the app to view your balances, make payments, search for transactions and much more.

##Become a super saver##
You can use the app to create Savings Goals, easily see what your savings interest rate is, and also make impulse savings into your account - without having to log in.

##Frequently asked questions##

-- I’ve never used the app before. How do I start?
Tap the ‘Get’ button on the screen to download the app. Once downloaded, simply follow the instructions on screen. From there, all you’ll need are your Nationwide account details or debit card and card reader and the app will help you finish setting up.

-- How safe is the Nationwide Banking App?
Our Digital Banking promise means:

• We'll refund any money taken from your account without your authorisation
• We'll monitor & protect your account 24/7 with the latest technology
• We'll provide you with education on how to stay safe including top tips and information on the latest fraud and scam trends

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

##You can use the app to##

• View your accounts; savings, loans, mortgages, credit cards and current accounts.
• Browse our product offerings, and open new accounts
• Freeze/unfreeze your debit card
• Report lost or stolen cards
• Change your passnumber
• Setup new bill payments and check existing payments (you may need your card reader for some transactions)
• Setup and track a Savings Goal
• Personalise your settings to update your personal details, get text alerts and go paperless

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 2021/22, 2020/21, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 13 & iOS 14.

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 (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.

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 Best Poker App!" -- Michael "The Grinder" Mizrachi

"No.1 Poker Tracker!" -- Matthew Affleck

Poker Income can help you win more in poker by answering these questions:

* What is my hourly rate for playing poker?
* Am I better at Texas Holdem, Black Jack or Omaha? Cash games or tournaments? Limit or No Limit?
* Do I make more money in Casinos or home games? Which casinos?
* Are there more fish on Friday or Saturday?
* Am I better at short handed or full table?
* ...

Unique features include:
1. Poker Income is the first graphical live HUD tracker with post flop in the world! You can take pictures and notes on your opponents and track games played against a particular player. You can easily track every hand you played in the past and your opponents' statistics such as VPIP, C-Bet, Check-Raise and Aggression Factor. You can profit from the history of their styles and tells, which gives you a huge edge over your opponents.
2. Backup and restore your data in the cloud at pokerincome.com. Access from any computer or smartphone. Your data are safe even if you lost or switch phones.
3. Track and post sessions and hands to facebook, twitter or email.

You won't find these feature in other clones!

With Poker Income, you can

1. Find the most profitable games, opponents, time and locations
2. Quickly look up your opponents' styles, tells and even previous games you played with them
3. Track earnings and withdrawals
4. Improve your skills
5. Look at each possible angle of your games from charts

Other features include:

* Track all aspects of cash games and tournaments (game format, stake, location, time, profit, notes etc)
* Sift through all poker logs to find the most profitable game, opponents, time and location
* A timer for live games to conveniently track game hours, break-times, and rebuys
* Export data in a tab separated format to your favorite spreadsheet program
* Bankroll and withdrawal management
* Fully customizable: Texas Holdem, Stud, Omaha, Black Jack, Razz, HORSE and your own games!

Poker Income will turn beginners into winners, amateurs into professionals and professionals into superstars!

Please contact support@pokerincome.com for questions/comments/ideas. Also check out free web version at pokerincome.com from any computer or smartphone.


=================
About Developer
=================
Chang is a big fan of discipline bankroll management rule. From 2007 to 2009, Chang has built his live bankroll from zero to twenty thousands in 20 months. In 2007, he started his poker career by playing freeroll cash games and tournaments in local poker clubs in Seattle, Washington, USA. Then he gradually moved up stakes. In the summer of 2009, after building up enough bankroll, Chang took his first stab at World Series of Poker. He successfully cashed in his first two WSOP events back to back.

Finally, Chang has turned all this expertise and experience into the development of Poker Income. He is also working diligently on a few new ideas. Keep an eye on future releases! Don't forget to email him if you have ideas to improve Poker Income.

Outgoings allows you to easily track your recurring expenses, and gain an insight into how much is going out for certain periods.

We don't have any subscriptions. Buy the app once and enjoy it on multiple devices, forever.

FEATURES:

- Sync your outgoings with iCloud.
Do you have an iPhone as well as an iPad? Any changes made one either device are synced securely via Apple's iCloud services.

- Change the look of the app.
Choose from a range of tint colours that will be used all over the app. Fancy a change of scenery for your home screen? Choose from 5 beautifully designed icons. Outgoings also supports both light and dark mode.

- Widgets
View information at a glance right on your home screen with customisable info.

- Easily view the total amount going out.
Outgoings will calculate the total amount going out for the current day, week, month and year.

- Have subscriptions that aren't billed in your local currency?
No problem. Outgoings supports a range of currencies to choose from, and will convert the value to your default currency.

- Group your outgoings.
Adding tags allows you to quickly and easily filter your outgoings to see the total being spent for specific tags. If this isn't enough, you can go even further and create lists, which show a more detailed breakdown of your outgoings.

- Each outgoing doesn't have to look the same!
Choose from a range of icons, including popular brands.


Like Outgoings? Let me know by leaving a rating or review!

If you have any questions or just want to leave me some feedback, I'd love to hear from you. Drop me a message at gian.frangiamore@me.com.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

√ Passcode protection
- keep your data safe

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

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 and even for business finance management.

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

FEATURES:

Simple and Secure
- widget for quick expense tracking on the go without launching the app
- quick and easy expense/income entries
- password & backups of your data

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

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
- transferring the leftover of the current period to the next budget period to limit your spending
- unique icons with your own photos

Account Manager
- easy management of 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
- visualize where your money goes
- use filters to look deeper into your spending
- projected balance and trend charts will help in planning

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

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

PLUS subscription
- 1 Month of PLUS: $2.99
- 6 Months of PLUS: $8.99
- 12 Months of PLUS: $11.99

GOLD subscription
- 1 Month of GOLD: $6.99
- 12 Months of GOLD: $49.99
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.

iSpreadsheet is a free, simple to use yet powerfull mobile spreadsheet Application for your iPhone & iPad. Quickly create beautiful spreadsheets that are compatible with major office solutions such as Excel and Numbers.

iSpreadsheet is built from the ground up for iPhone and iPad so it runs very fast even on older devices. And iSpreadsheet works seamlessly with a myriad of file transfer and storage options including: Windows SMB Network Share, Box, Dropbox, Google Drive, Docs, OneDrive, iCloud and more.

Supports Formatting and Formulas. Uses CSV comma separated file format for maximum compatibility. Can read numbers and excel xls xlsx files too!

FEATURES:
• Google Docs Integration
• iCloud & iCloud Drive Integration
• Manage both online and offline worksheets
• Portrait & Wide-screen Landscape view
• Load .XLS and .CSV files from Google Documents. (without formatting)
• Save in .CSV format (RFC 4180 compliant)
• Manage multiple Spreadsheets
• Execute complex arithmetic formulas
• Access a useful subset of Excel formulas
• Cell Formatting
• Column Resizing
• Clipboard Copy Paste
• Column Row Insert
• Progressive Loading
• Fluid Graphics
• Familiar Interface
• Online help
• Offline formula wizard
• Context Aware Toolbar
• Autosave & Recovery
• Free Updates


More Free iPhone Apps:
http://www.savysoda.com

Get answers fast with the same algorithms and keystrokes you trust for business, real estate, banking and finance. Next time you find yourself in class or at the office without your financial calculator, just open the HP 12c app on your iPhone, iPad or iPod Touch.

Features:
• Authentic app, developed by Hewlett Packard
• Award-winning HP Support
• Identical layout, functions and features as the original HP 12c Financial Calculator
• Special “30th Anniversary edition
• RPN entry
• Quickly calculate loan payments, TVM, NPV, IRR, cashflows, bonds and more
• Keep the power of your HP 12c handy on your iPhone, iPad or iPod Touch

iFinance 4 allows you to keep track of your income and expenses in the most convenient and fastest way. By taking a quick look at its useful evaluations and charts, you'll immediately know what you spend money on and where your income comes from - optimizing your finances becomes a breeze! iFinance's automatic category assignment, keywords, budgets and analysis features will turn your bank account history into much more than a list of bare figures.
Would you like to find out how your assets perform or why you max out your bank account on a regular basis without really knowing where your salary goes each month? iFinance 4 has all the answers. Is it current spending such as rent or mortgage payments, insurances, food or loans? Or do nights out with friends, special treats, impulse purchases, and tobacco products add up to a hefty sum?
Have iFinance 4 analyze your finances and see immediately what your biggest spending items are and where there is potential for savings.

iFinance 4 in bullet points:

- Encrypted databases
- Password protection (Touch ID supported)
- Track your cash expenses
- Split transactions
- Transfer transactions

- Categories (with automatic assignment)
- Contacts
- Analyse
- Expenses
- Income
- Loss
- Profit
- Charts (2D and 3D)
- Reports
- Budgets

- Enter cash expenses quickly (3D Touch)
- Apple Watch App

- iCloud and WiFi-Sync
- File attachments (for single transactions)
- Account statements (PDF files)
- Stocks
- Reconciling
- Different currencies (in one database)
- VoiceOver-Support

-Supported file import formats
- CSV
- OFX
- QIF
- MT940
- Multiple databases
- Bank Accounts in Notification Center
- Export formats
- CSV
- PDF

Online Features and Import
Import your transactions as a CSV-, QIF-, OFX- or mt940 file in order to see all transactions in iFinance. iFinance is also able to print on money transfer forms. Customers of a German bank are able to use HBCI import and HBCI banking.

WiFi or iCloud Sync
Synchronize your data between Mac computers (Mac version sold separately at the Mac App Store), iPhones, and iPads via iCloud or the integrated WiFi sync. The latter also allows you to use and edit databases together with multiple users. This may for example become useful if you are in charge of a club's or association's finances or if you manage a bank account with another person.

Charts, Reports, Budgets, and Budget Analysis
iFinance 4 offers a broad range of easy-to-customize charts and reports. According to your specifications, iFinance analyzes precisely where your money comes from and where you spend it. Use the Budgets feature to find out how much money you have left for the current month or whether you've been successful at keeping your spending at bay this month. Budgets can also be created for specific categories, such as monthly budgets for clothing, groceries or movie nights.

The Platinum version of the industry-standard HP 12c Financial Calculator adds the choice of time-saving RPN or traditional algebraic data entry as well as convenient editing features such as “backspace” and “undo” keys. Built with the same algorithms and calculation sequences you trust for real estate, banking, and finance functions every day. When you find yourself without your calculator, relax – just open it on your iPhone or iPod touch.

FEATURES:
-Developed by HP, the original inventor of the HP 12c Financial Calculator series
-Identical layout, functions and answers millions rely on
-Quickly calculate loan payments, TVM, NPV, IRR, cashflows, bonds and more
-Horizontal mode shows full calculator and vertical mode provides a simplified basic RPN or algebraic calculator plus tip calculation feature
-In horizontal mode, click on the HP logo to show the back of the original calculator with quick references to common calculations
-Keep the power of your HP 12c Platinum handy on your iPhone or iPod Touch