Money Watch – Personal Finance Blog

Earn $15 for you and your friend when you invite them to Monzo. Terms apply.

Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.

Open a personal or joint checking account in just a few minutes.

WHY OVER 10 MILLION CUSTOMERS LOVE MONZO

Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Earn interest on every goal with our Savings Jars.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of 38,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.

UNDERSTAND YOUR SPENDING HABITS

Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.

REACH YOUR SAVINGS GOALS

Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds, and more in a Savings Jar.
Set a goal on a Jar and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

SERIOUSLY SECURE

With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.¹
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.

____________________________

*The national average interest rate for savings accounts as posted on FDIC.gov, as of June 17, 2024.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of July 29, 2024. The APY may change at any time.

Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

¹Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

Join the 50+ million customers worldwide who use our app to spend, send, and save smarter.

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

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

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

Save the interest-ing way
Grow your money with up to 4.25%* APY with Savings Vaults, Access your savings whenever you need to, with zero penalties or fees
Build your savings effortlessly — set up recurring transfers and round up spare change to stash cash

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

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

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

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

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

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

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

*The highest APY is available to users on a Premium or Metal plan. Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of October, 20th, 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC

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

Take control of your money and tax with the HMRC app

It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app.

Key Features:
- Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN
- Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount
- Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one
- Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can
- Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file
- Child Benefit support: claim, manage, and update your Child Benefit details
- National Insurance: find and save your National Insurance number so you have it when you need it
- Go paperless: opt to receive key messages from HMRC online

Download the HMRC app today and stay on top of your money and taxes

PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more. Get started in the app.

SAVE OFFERS IN THE APP
Get cash back offers* from brands you love. We’ll automatically apply them at checkout.
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card right in the app. No credit check required.
Shop with your PayPal balance everywhere Mastercard® is accepted.
Earn 5% cash back on a category you choose each month*
 
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal.
A PayPal balance account is required to get the card.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*

*PayPal, Inc. is licensed to engage in virtual currency business activity by the NY Dept. of Financial Services. To buy, sell, transfer, and hold crypto is subject to risks, may result in significant losses, and not available where prohibited by law. We do not make recommendations about crypto transactions. Consider seeking advice from a financial and tax advisor. Crypto custody, trades and transfer services are performed for us by Paxos Trust Co. LLC or other appropriately authorized provider. See terms: paypal.com/crypto_terms

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. 

TRACK YOUR PACKAGES
View your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.

PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right in the app.

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131

UK's #1 app for active trading & long-term investing.* (77% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 4.35% on GBP, 2.4% on EUR, 4.1% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates and get 1% cashback until 15 July 2025, 0.5% thereafter;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 4.35% AER (variable), earned daily, paid monthly
- Flexible - withdraw anytime
- Completely free - no account fees

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


Trading 212 provides execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions.


Zero commission refers to no broker fee being charged for buying or selling shares.
FX fee of 0.15% applies when buying or selling securities denominated in a currency different from that of your Trading 212 account.


* Based on statistics by data.ai as of January 2025.


Trading 212 is the following companies:

Trading 212 UK Ltd. authorised and regulated by the Financial Conduct Authority (Register number 609146).
Trading 212 Markets Ltd. authorised and regulated by the CySEC, Cyprus (Register number 398/21).
FXFlat Bank GmbH is authorised and regulated by German Federal Financial Supervisory Authority (BaFin) (BaFin ID number 10109603).
Trading 212 AU PTY Ltd. authorised and regulated by the Australian Securities and Investments Commission (License number 541122).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

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

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

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

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

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

Welcome to the new Hastings Direct app, which is packed full of features designed to take the hassle out of managing your insurance. You’ll find your policy details and insurance documents as well as contact numbers and claims tips all stored safely and securely in the app to access whenever and wherever you need them.

So, whether you want to manage your policy, need help if you’ve broken down or have to make a claim you can get the help you need, quickly.

MANAGE YOUR POLICY:

- One-click links to important information for your Hastings Direct, Premier, Essentials and YouDrive polices – quick access to your policy number, what you’re covered for, excesses and renewal date*
- Something changed? Update your car, address or add a new driver in a few easy steps*
- Need more information and hate rummaging through paperwork? Keep all your key documents in one place that’s accessible 24/7*
- View your car, home, van and bike policies all in one place
- Constantly forgetting passwords? Switch to Touch ID / Face ID or a 6-digit pin
- Stay safe - Customise security features and read our privacy policy

BREAKDOWN ASSISTANCE:

- Get help when you need it most – Hit ‘click to call’ and you’ll connect directly to your breakdown provider

CLAIMS:
- Need to make a claim? Use the app to register a claim
- Got a query about an existing claim? Our app will help you find the answer
- Get in touch directly - Send important information to us via email

We’re working hard to release lots of exciting new functions to help make your life that little bit easier, so make sure you keep your app updated. If you’ve got any suggestions on how we can improve the app or if you require technical support, please email mobileappsupport@hastingsdirect.com.

Disclaimer

Minimum Hastings Direct app requirements:

- iOS 12.0 or newer
- Phone must not previously or currently be jailbroken**

*Customers with policies beginning with ‘H’ are automatically redirected to our mobile website to view or change their policy
**allowing root access to files which remove all restrictions from the phone


Hastings Insurance Services Limited, trading as Hastings Direct, is authorised and regulated by the Financial Conduct Authority (register number 311492).

Stay in control of your money with customisable tools that help you manage your day-to-day spending and keep track of your bills.

READY, STEADY, PAY

•With the power to check upcoming payments, you can make sure you’re ready to pay on the day. Yay!


JUST A TOUCH AWAY
•Use your face or fingerprint to log in, which makes signing into the app faster and more secure.
•The app now has a 'space' for everything you need – so you can find everything from your balance to your savings, pensions or investments easily.


PLAY YOUR CARDS RIGHT
•Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, order a new one, or and look up your card details.

IN FOR A PENNY

•Spending Insights help you understand where your money goes every month. You might be surprised to find you spend a bit more than you thought on frothy coffee.
•Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound, transferring the change into your nominated savings account.
•Enjoy a cheeky bargain or three. Everyday Offers give you the opportunity to earn cashback from a range of retailers. Kerching!

HOW WE’LL CONTACT YOU

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

IMPORTANT INFORMATION

We don't charge you to use our services, but your mobile operator might charge for some things, such as downloading or using the app, so please check with them. Services may be affected by phone signal and functionality.

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

The app is available to customers with a UK personal account and valid registered phone number. IOS14 or above required. Device registration required. Terms and conditions apply.

Freeze and unfreeze certain types of transactions securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card.

Touch ID requires at least iPhone 6s running iOS 14.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

Apple, the Apple logo, iPad, iPad Air, iPad mini, iPad Pro, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.

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

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

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

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

Join over 10 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?

Manage your money easily and securely:
•Apply for current, savings, child, teen, premier and student accounts quickly. Eligibility criteria apply.
•See all your bank accounts straight from your home screen.
•Freeze and unfreeze your card at any time (Mastercard only).
•Set up touch, voice or face ID for better security and send high value payments in-app, amend payment limits and more. Touch, voice and face ID are only available on selected devices. Optic ID is also available on Apple Vision Pro.

Send, receive and access money quickly:
•Request money via a QR code or link.
•Send money faster with a personalised list of favourite payees.
•Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.)
•iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have a least £10 available in your account and an active debit card (locked or unlocked).

Stay on top of your spending and saving:
•Keep track of payments all in one place.
•Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling.
•Budget easily by managing your monthly spending and set categories.
•Turn on push notifications to get alerted when money reaches or leaves your account.

Get support for every life event:
•Spend abroad in Euros and US Dollars without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply.
•Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address.
•Discover our additional products and services, including mortgages, home and life insurance and loans, in one place.
•Fast track your money goals with the help of our handy plans, tools and tips.

Important info

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

Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware some features and products have age restrictions and are only available if you’re over 16 or 18.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms.

Please save or print a copy along with the Privacy Policy for your record.

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


Rated 'Excellent' On TrustPilot:


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

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

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

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

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

- Credit score: see your Equifax score

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

- No hidden card fees: at home or abroad

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


Zable Credit Card:


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


Zable Loan:


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


Credit Score:


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


Zable Credit Card: Representative 48.9% APR (variable)

Zable Loan: Representative 32.5% APR (fixed)

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

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

Here to help:

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


02033229128


contact@zable.co.uk


69-77 Paul Street

EC2A 4NW

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

REAL-TIME TRACKING
Track cellular and WiFi in real-time directly on iOS. No more waiting for your carrier to update.

SMART FORECAST
Intelligent usage forecast predicts if you'll stay within your data cap. So you can take precautions.

DATAMAN WIDGET
Instantly check your usage at a glance. Just swipe on your Home or Lock screen to view.

CUSTOM USAGE ALERTS
Alerts warn you before you hit your data cap. Four custom alert thresholds.

DATA PLANS
Auto reset on your monthly bill cycle date. Support all billing periods and rollover data with DataMan Pro.

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

APPLE WATCH
Designed for your wrist to quickly show your most important stats in complication and app.

BEAUTIFUL INTERFACE
Get the key statistics you need most in a beautiful, intuitive interface. It's so easy to track your data usage.


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


DATAMAN PRO
Access extra features with PRO subscription
• Free trial 7 days
• Daily usage history
• Push usage alerts
• Manage multiple plans
• App icon badge
• Custom billing periods
• Rollover data
• Map usage locations
• Export statistics
• Widget styles
• Themes and more


PRIVATE AND SECURE
No VPN, no login. Your data is important and private. That's why we take your privacy seriously. Our privacy policy: https://xvision.me/privacy


Subscription Information. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase.

Terms of Use / Privacy Policy - https://xvision.me/privacy

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


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

Mobile HitBTC allow you to be up to date on what happened on HitBTC Exchange without you computer. It is possible to monitor exchange markets, collect you favourite symbols in one view for quick access, view detailed information on each trading pair.

Mobile HitBTC give you access to view your balances, opened orders, trading and transaction history.

Mobile HitBTC application does not allow trading of crypto assets, as well as deposit or withdraw. In order to use these services you need to use original HitBTC web site. Mobile HitBTC application allow to view information on exchange and you account status.

Main features of Mobile HitBTC application:

- View HitBTC Exchange markets real-time state
- View details on each trading pair, including 24-hour summary and history chart
- Real time updated Order Book and Market history
- Accumulate you favourite trading pair to special view for quick access of your watch list

Your personal Trading portfolio including:
- Balances
- Deposit and Withdraw history
- Trading history
- Opened Orders

Feature requests and suggestions are welcome at support@silvercastle.biz

Important note:
Mobile HitBTC - NOT an official application provided by HitBTC Exchange team.
Mobile HitBTC application developed by individual developer.
Application uses official Web API, provided by HitBTC Exchange for access public and private data.

HitBTC is registered trademark of HitBTC LTD

“Money Manager” is an optimized application for personal account management.

Household account management is complicated. But we make it simple by simplifying the things that are complex. The default settings will get you started, and once you get used to it, you can alter the settings according to your needs with the highly flexible and customizable functions available.

- Super easy and simple to enter data anytime, anywhere.
- View your spending tendencies graphically.
- View statistics by simply entering the data.
- Search and calculator functions.
- Set up sub-categories and main categories as necessary.
- Manage all your accounts at once.
- Use multiple currencies.
- Check weekly, monthly, and annual statistics.
- Use calendar view.
- Use budget planning features to plan weekly, monthly, and annual budgets.
- Change the start date of the month.

※ Applying double entry bookkeeping
It facilitates efficient account management. Automatic double entry bookkeeping.

※ PC manager function
You can view ‘“The New Money Manager” application using Wi-Fi. You can edit and sort the data by date, category or account group on the screen of your PC. In addition, you can see fluctuations of your accounts indicated on graphs on your PC.

※ Budget management function
You can manage your budget. It shows your budget and expenditures on a graph so you can compare the number of your expenditures against your budget quickly.

※ Credit Card / Debit Card management function
When entering a future payment date, you can see the payment amount and outstanding balance on the accounts page. You can connect your debit card to your accounts so that expenses are automatically recorded under a specific account.

※ Passcode
You can specify the desired time lapse before the app requests a passcode.

※ Automatic money transfer and frequency functions
You can set up automatic money transfers between your accounts and configure the frequency of those transfers.

※ Sort expenses by the recipient
You can sort your expenses by the recipient and view this information graphically.

※ Payment Profiles
You can easily enter frequent expenditures by creating payment profiles.

※ Backup / Restore
You can backup and restore your data via email, iTunes and iCloud.

※ Multiple currency support – you can have individual entries in multiple currencies, and configure each account to calculate the total balance in your desired currency.

Subscription pricing and terms:

Money Manager offers auto-renewing monthly subscription at US$2.49/month and an auto-renewing yearly subscription at US$19.99/year to provide you with unlimited access to the Money Manager Data Sync Service while you maintain an active subscription.

Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. Your account will be charged for renewal within 24-hours prior to the end of the current period, and the cost of the renewal will be identified.
You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase.

Read more about our terms and conditions here:
https://realbyteapps.com/policy/terms.html

Privacy Policy:
https://realbyteapps.com/policy/privacy.html

*** 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

iGold is the best way to track the price of gold, silver, and other precious metals.  It’s quick and feature-rich, and beautifully redesigned for iOS 8.  Features include Price Alerts, Charts, News, a Calculator and much more:

ALERTS: iGold periodically updates quotes in the background and will notify you when the price crosses a certain threshold, or when the price spikes during the day.

NEWS: The latest news for precious metals and trading strategies is offered from a variety of news sources.

TODAY: The latest quotes appear on Today screen so you are always up to date.

CHARTS: Current and historical charts are available for each of the precious metals.

CALCULATOR:  iGold's Calculator quickly calculates the value of jewelry and investments, with options for fineness (24K, 18K, 14K, etc), currency conversions and adjustments for fees and commissions.

CURRENCIES:  Precious metal prices are shown in multiple currencies from around the world. Up to the minute currency exchange rates are available for sixty-five different currencies.

BACKGROUND REFRESH: Background Refresh can be enabled to periodically update quotes in the background, issue alerts, and show the latest quote right on the app icon.

PERFORMANCE:  iGold requires as little as 1K of bandwidth to quickly and efficiently retrieve real-time price quotes from Kitco.com or Yahoo.

iGold was the very first gold app on the App Store, launched on the day the App Store opened. Now, redesigned for iOS 8 with many new features, iGold is still the best way to track precious metals!

Just numbers. No distractions.

Numo is the simplest way to track your spending. Just open the app, type an amount, and it’s saved automatically with the date and time. That’s it.

With a clean, focused interface, Numo helps you keep your spending under control without the need to enter categories, tags, or notes. Perfect for people who just want to know where their money is going—fast.

Features:
• Add a single expense in seconds
• See your total spending for today, this week, and this month
• Browse your monthly expense history
• Choose a theme that fits your style
• No sign-ups, no accounts, no fuss

Whether you’re budgeting or just curious about how much you spend, Numo helps you stay aware of your expenses—one number at a time.

This is the premium version of the BA Financial Calculator app. It is ad-free and has the features of the BAII Plus Professional (PB, DPB, DUR, MIRR). This app has been developed by a single person to help CFA candidates and charterholders on their way to success. It has been thoroughly tested to ensure it matches identically the TI BAII Plus Professional calculator functionality, while providing a great user experience. Please contact cfa.calculator@gmail.com for support

*** SALE NOW ON - 50% off ***

*** Featured in the Sunday Times App List 2012 ***

*** Featured as 'What's Hot' by Apple ***

'Mortgage Calculator' has one aim - To SAVE YOU MONEY on your mortgage!

If you're buying a house, looking to re-finance, or simply want to make the most of your existing mortgage, then this is the perfect app for you.

Try out various 'What-If' scenarios and quickly see how extra payments can save you a whole lot of time and money. You can enter any number of Monthly, Yearly or One Off extra payments, at any period during the loan. Then watch the total loan length and cost go down. You may be surprised by just how much!

Easily visualise your cost savings in the simple and interactive charts. Just slide your finger along to see the costs for each year.

5-Stars - "...beautiful, simple graphs which make tricky decisions a whole lot easier."

5-Stars - "...really helped me to compare the different mortgage deals"

*** Highlights ***
--------------------
Specially designed for the US market:

√ See effect of regular or one off Extra Payments
√ Variable Rates support
√ Calculate the 'True Cost', by including Tax etc
√ Takes into account PMI
√ Try out various 'What-If' scenarios
√ Email a PDF or HTML of the loan details
√ Support for ARM 3/1, 5/1, 7/1 mortgages
√ Charts allow easy visualisation of the costs
√ Make an informed choice by comparing loans
√ Backup & Restore via Dropbox
√ Passcode protection
√ Elegant, simple and powerful user interface

*** Quick Calculators ***
-----------------------------
Super quick calculators for instant answers:

√ How much can you afford to borrow?
√ Monthly Payments
√ Money Saving Effect of Extra Payments
√ Cost of Moving House

*** Analyse & Compare ***
---------------------------------
Visualise mortgage costs in simple, easy to understand charts:

√ Store details of multiple mortgages
√ Easily see the costs for each year with a slide of the finger
√ Try out various 'What-If' scenarios
√ Extra payments can 'Reduce Term' or 'Reduce Payments'
√ Include Tax, Insurance, PMI in the payments
√ Support for 'Repayment' or 'Interest Only'
√ Monthly breakdown of costs (Amortization)
√ Compare up to 4 mortgages side by side
√ Support for ARM 'Initial Rates' e.g. 4% for 3 years

*** Voted #1 Property App - upack.com ***
---------------------------------------------------
"The strongest arrow in its quiver is the way it handles hypothetical situations, letting you analyze all manner of mortgage-related queries, such as how much you can afford to borrow, and a variety of other what-if scenarios..."

Note that multiple currencies are supported!

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.