Money Watch – Personal Finance Blog

The only app to access your personal tax details with HMRC. Take control of your finances and join over 1.1 million people using the HMRC app every month. Download the HMRC app here.

The HMRC app is a handy way to:

- check your pay a few days before pay day
- check previous payments from your employer
- find out how much Income Tax you should pay
- check your company benefits
- find your tax codes
- claim a refund if you’ve paid too much tax
- work out your take-home pay with the tax calculator
- check how much Self Assessment tax you owe and make a payment
- set reminders for your Self Assessment payments
- check and save your Unique Taxpayer Reference (UTR) for Self Assessment
- check and save your National Insurance number
- check your next tax credit payments
- manage and renew your tax credits
- access your Help to Save account
- check your Child Benefit
- check your State Pension
- check progress on forms you’ve sent to HMRC
- read messages from HMRC
- update your postal address
- choose to be contacted by HMRC electronically, instead of by letter

You can use your Government Gateway account to sign in. If you don’t have one, registration is easy and fast. You will need your National Insurance number and birth date to start.

Once you’re set-up, you can sign in quickly and securely using your face or fingerprint (depending on device support).

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

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: 4.9% on GBP, 3.4% on EUR, 4.1% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates and get 0.5% cashback;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 4.9% AER (variable), earned daily, paid monthly
- Flexible - withdraw anytime
- Completely free - no account fees

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.

Crypto.com is trusted by 100 million+ users worldwide. Trade safely and securely with industry-leading compliance and security certifications today.

Crypto Trading －Trade BTC, ETH, and 350+ other cryptocurrencies
• Buy and sell popular crypto, including Bitcoin and Ethereum, using 20+ fiat currencies or credit/debit card.
• Set up recurring crypto purchases daily, weekly or monthly with friendly trading tools.

Crypto.com Visa Card －Up to 8% back in CRO on all spend
• Spend or withdraw your funds with your Crypto.com Visa Card anywhere Visa is accepted.
• Music, movie and shopping subscription rebates with selected cards.
• Access to 1,000+ airport lounges with selected cards.
• Up to 10% rewards on selected travel websites.*

Crypto Earn
• Earn up to double digits reward rate on your crypto holdings.
• Enjoy flexible terms on over 40 tokens and stablecoins.

Rewards+ － A loyalty program built for everyone
• Unlock exclusive perks with as little as $100 in trading volume per year. Level up through our 20-tier rewards system.
• Enjoy up to extra 5% p.a. rewards on 3-month stablecoin allocations.
• Extra Card Rewards: Additional 3% back on spending with your Crypto.com Visa Card.
• Trading Rebates: Receive CRO for every trade you make.**
• Unlock up to a 4x bonus for you and your referrals with our BG25 Referral Program.

Missions
• Complete Missions to earn Diamonds to redeem Mystery Boxes for rewards.

Crypto.com Pay
• Pay with 30+ crypto, including BTC, ETH, CRO and DOGE, and earn rewards.
• Instant settlements with zero gas fees.
• Shop at 200+ top brands and get up to 10% back in CRO.

*These offers are launched by Crypto.com independently, and there is no partnership between Crypto.com and the merchants in these offers. Crypto.com has the sole discretion to modify these offers at any time.
** Receive CRO for each trade placed. Excludes BTC and ETH trading pairs, as well as stablecoin-stablecoin and stablecoin-fiat trades.

The availability of the products and services on the Crypto.com App and any given features of such products or services is subject to jurisdictional limitations and the applicable terms and conditions. Crypto.com may not offer certain products, features and/or services on the Crypto.com App in certain jurisdictions due to potential or actual regulatory restrictions.

Crypto.com services are provided by CRYPTO Technology Holdings Limited and its affiliates (NMLS ID 1966158).

By using the Crypto.com Visa Card you agree to the terms and conditions of the cardholder agreement AND FEE SCHEDULE, IF ANY. The Card is issued by Community Federal Savings Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc.

All forms of 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.

Website: https://crypto.com
Address: CRYPTO Technology Holdings Limited, 26/F, Pacific Plaza, 410 Des Voeux Road West, Hong Kong

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

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!
•No more awkward I owe you’s. Now you can get instant pay-back with the new Link Pay feature. Just request a payment in app and your friends can pay the money direct to your account.

JUST A TOUCH AWAY
•Use your face or fingerprint to log on, 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.

KNOW THE SCORE
•The power to check your credit score, with personalised hints and tips, to help you take control of your finances and move closer to those big dreams, like getting a new home.
•Never miss important updates again. Choose which notifications you get to help manage your account. Like when those lovely refunds arrive that feel like free money.

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.

Coinbase is the world’s most trusted cryptocurrency exchange to securely buy, sell, trade, store, and stake crypto. We’re the only publicly traded crypto exchange in the U.S.

Here’s a taste of what Coinbase offers:

POWERFUL TOOLS FOR CRYPTO PROS
- Buy and sell crypto using advanced trading tools and earn staking rewards¹
- Access in-depth technical analysis, advanced real-time order books, and charting powered by TradingView.
- Advanced tools to research and analyze crypto markets to inform trading decisions.

BUY, SELL & MANAGE CRYPTO
- Coinbase is the most trusted platform to build, manage, and track your crypto portfolio.
- Securely and seamlessly send and receive crypto.
- Stake crypto and earn yield on cryptocurrencies like Ethereum and Cardano¹
- Earn rewards on stablecoins like USDC.³
- Easily set up automatic or recurring buys.
- Seamlessly transfer crypto internationally.

CRYPTO LEARNING
- Earn rewards by learning about crypto
- Discover how specific cryptocurrencies work and get a bit of each crypto to try out for yourself
- Start earning crypto just by learning about how specific cryptocurrencies work²

SECURE & REGULATED EXCHANGE
- Coinbase is the only publicly traded, US-headquartered crypto exchange (NASDAQ: COIN).
- All customer assets are held 1:1, and we never trade against our customers or leverage their funds without consent.
- Our financials are public and audited quarterly by a Big 4 accounting firm.
- State-of-the-art encryption and security are at the core of our platform, and our security team is constantly working to make sure you and your assets are protected from emerging threats.
- From auto-enrolled 2 factor-authentication (with security key support), password protection, to multi-approval withdrawals in Coinbase Vault, we provide powerful security features to all our users.

SUPPORTED ASSETS
Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC)¹, Litecoin (LTC), Cardano (ADA), Polygon (MATIC), Polkadot (DOT), Solana (SOL), Tether (USDT), Dai (DAI), Uniswap (UNI), and hundreds of other cryptocurrencies.

COINBASE ONE
Get more out of crypto with Coinbase One.
- Zero trading fees, boosted staking rewards, priority support, and more.⁴
- Exclusive access to sweepstakes.

COINBASE WALLET
- Prefer self-custody? Check out Coinbase Wallet—a secure crypto wallet compatible with the exchange that puts you in control of your crypto, keys and data.
- Store crypto assets in your cryptocurrency wallet safely and securely.

NEED MORE HELP?
Visit help.coinbase.com for information and to contact Coinbase Support.

PRIVACY
View Coinbase’s legal privacy policy at https://www.coinbase.com/legal/privacy
—
Coinbase
248 3rd St #434
Oakland, CA 94607
USA
—
¹ Available in select territories.
² Limited while supplies last and amounts offered for each quiz may vary. Must verify ID to be eligible and complete quiz to earn. Users may only earn once per quiz. Coinbase reserves the right to cancel the learning rewards offer at any time.
³ Upon purchase of USDC, you will be automatically opted in to rewards. You can opt out at any time. The rewards rate is subject to change. Customers will be able to see the latest applicable rates directly within their accounts.
⁴ A Coinbase One subscription renews automatically and requires recurring payments. Benefits vary by region. Zero trading fees: Coinbase Advanced excluded; a spread applies.

You earn rewards from the protocol, not Coinbase. Coinbase acts only as a service provider connecting you, the validators, and the protocol. We pass along any rewards earned from staking, minus a transparent Coinbase fee.

Did you know that over 10 million customers now use the award-winning NatWest mobile banking app to access their account every day? Download our app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?
•Set up current, savings and student accounts instantly
•Enable multi-factor authentication (MFA) for better security and send high value payments in-app, amend payment limits and more
•Split a bill by sharing a payment request link with multiple people at once
•Get Cash in emergencies with a unique code without using your card
•Save your spare change with Single or Double round ups
•Discover our additional apps and services, including mortgages, home and life insurance and loans in one place
•Favourite payees to send money faster
•Calculate your carbon footprint and track your progress
•Budget easily by managing your monthly spending and set categories
•Set up an instalment plan to repay a credit card purchase over a set period
•Add your other bank accounts and see them in one secure place
•Freeze and unfreeze your credit or debit cards at any time

Apply for a Premier account
•Premier Select account – a premium account with no monthly fee
•Premier Reward account – for £2 a month, you’ll get £9 a month back in rewards, earn at least 1% at partner retailers per transaction and much more
•Premier Reward Black account – for £36 a month, you’ll get airport lounge access, travel and phone insurance, 24/7 concierge service and much more

Apply for a student account
•Open an account today and receive £80 cash and a free Tastecard
•Apply for an interest-free overdraft of up to £2000

Important things to know
•There is a maximum of 5 payments totalling £750 per day. You must be 16+
•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, Face ID and Optic ID are only available on selected devices
•Not all features are available on the Vision Pro device
•Credit score available once opted in through the app, to customers over 18, with a UK address and is provided by TransUnion
•Spending – you must be aged 16+. Only available for Personal, Premium and Business Current accounts
•You can freeze and unfreeze MasterCard credit cards and debit cards
•You can create one Travel Plan at a time, for a maximum period of 90 days which include up to 7 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
•Our app is available to customers aged 11+ with compatible iOS and a UK or international mobile number in specific countries

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

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 (note this is not within our app but on your device’s settings itself). To download the latest app version, you should have an iOS device with OS – 15 and above.

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 records.

“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

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

Coinim is an ad-free, user-friendly, and lightweight application that provides cryptocurrency monitoring, trend & technical analysis, news feeding, portfolio management with crypto exchange account integration features for more than 3000 cryptocurrencies in Coinbase, Kraken, Binance, Bitfinex, CEX.IO crypto exchanges.

What can Coinim do for you?

- Manages your cryptocurrency favorite list to track easily among all popular cryptocurrencies
- Analyzes trading trends and risk level
- Gives technical analysis results
- Indicates predictive cryptocurrency trade entry and exit prices
- Gives details about your tracked cryptocurrencies like today/yesterday max-min exchange rates, daily change
- Sends notifications depending on your price alerts
- Shows the situation of your investments in USD, EUR, GBP, JPY currencies
- Aggregates financial & cryptocurrency news through popular and trustful sources
- Latest Metaverse, DeFi, NFT, ETF news


To contact Coinim, please send an email to contact-us@coinim.io

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

*** 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

Road Trip is the fastest and easiest app for tracking of your car’s fuel economy, maintenance history, and expenses.

No ads. No tracking. No subscriptions. Your data is always private.

Remember to checkout Road Trip Lite and Road Trip HD for the iPad.
_____________________________

"There’s a ton of MPG apps on the App Store but Road Trip is the best because of its amazingly dense summary screen and its best in class fuel entry screen."
— Jason D. O'Grady, zdnet.com

"The most comprehensive road travel app of them all, Road Trip allows you to track mileage, fuel prices, graph out trip expenses, and even export the data to CSV"
— Ben Parr, mashable.com

"The part we like the most is the cool graph that shows fuel costs and average mpg over time. And it lets you look at the cost per day to keep those wheels turning."
— Car and Driver Magazine
_____________________________

Road Trip will…
• Track your fuel economy and fuel costs.
• Track your maintenance history.
• Track and compare your vacations and trip costs.
• Remind you when regular maintenance is due.
• Prevent expensive premature maintenance.
• Show you how much money you spend on your car.

FEATURES
• Mileage and fuel economy tracking.
• Service and repair log, with service reminders.
• Expense tracking.
• Trip tracking and reporting.
• Comprehensive statistics.
• Full international support (Metric, US, and Imperial units).
• Unlimited number of vehicles.
• Full screen, interactive graphs.
• Customizable Shortcuts
• Home Screen Quick Actions
• Siri voice integration

COMPREHENSIVE STATISTICS
• All key statistics and graphs on a single page.
• Cost per day, Cost per km, Moving Average.
• Maximum distance per tank.
• Monthly and Yearly distance and cost estimates.
• Vehicle depreaction statistics.

AUTOMATIC BACKUP AND SYNC
• Automatically sync between multiple of iOS device using Dropbox or iCloud.
• Automatically backup to Dropbox, including CSV files.

PRIVACY
• Your Road Trip data always remains private. We do not collect data from your iOS device, and we do not have access to the data you store in iCloud or Dropbox.

ADVANCED FEATURES
• Tripmeter or Odometer distance entry.
• Partial fill-ups, Same-day fill-ups, and Missed fill-ups.
• Currency Conversion.
• Geo-tagging and mapping.
• Searching and filtering.
• Jerrycan Fuel Tracking.
• Trip Cost Calculator.
• Distance-To-Empty Calculator.
• Tire log, including support for summer and winter tires.
• Distance correction for inaccurate odometers.
• Monthly and Yearly distance and cost estimates.
• Trip Computer Logging (fuel economy, average speed, temperature)
• Graphs for comparing MPG vs. Fuel Type, Driving Conditions, Average Speed, and Temperature.
• Odometer replacement.
• Vehicle purchase price and depreciation tracking.

• Import and Export CSV

• Electric vehicle tracking (in kW.h)
• Home electricity tracking (in kW.h)
• Motorboat tracking (in Hours)
_____________________________

Lots more information and screen shots on the website:
https://darrensoft.ca/roadtrip/

Questions? Suggestions? We want to hear from you!
Email us: support@darrensoft.ca

*** 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!

Quickly calculate the rates for UK Stamp Duty with this simple app.

Updated November 2024 for new rules.

- Option for first time buyers
- Option for second home or buy to let
- Residential & Non-Residential
- Freehold & Leasehold
- View detailed working out of the calculations made
- Buttons to quickly add or subtract increments of £10k from the purchase price

Keep your financial life organized, private and secure with Capital Vault, the ultimate app for tracking all your assets in one place. Whether you own bank accounts, deposits, cryptocurrencies, stocks, properties or cash, Capital Vault helps you easily input and view all your financial data.

With a comprehensive overview, you can get an accurate total valuation of your wealth, helping you make smarter financial decisions.

Key Features:

1. Centralized Wealth Management: Track bank accounts, deposits, cryptocurrencies, stocks, properties, and cash all in one place.
Real-Time Evaluation: View your total wealth with up-to-date asset values and track growth over time.

2. Privacy First: All data is stored only on your device for maximum security. No cloud storage, no external servers—your information stays private.

3. Easy to Use Interface: Quickly add and update asset details with a clean, intuitive design.

4. Customizable Portfolio: Manage and categorize your assets the way you prefer, with flexible options for asset types and valuation methods.

5. Data Encryption: Your financial data is securely stored using advanced encryption techniques.

6. Works offline

Why Capital Vault?

Security: Unlike other financial apps, Capital Vault never uploads your data to the cloud. Your wealth stays private and secure on your device.
Clarity: Get a clear, consolidated view of your total wealth across all asset classes, helping you understand your financial health at a glance.
Convenience: Easily input, update, and monitor your assets without juggling multiple apps or accounts.
Take control of your financial future with Capital Vault – the private, secure, and comprehensive wealth tracker.

Apple "New apps and games we love" (on the Mac), March 2017

Apple "Staff Favourite" in the UK (on iOS), Jul/Aug 2010

Account Tracker is a powerful personal finance app that helps you track spending and monitor balances across multiple accounts. Its clean, intuitive user interface, and features such as alerts, bill reminders, budgets, reports and full multi-currency support, make it easy to take control of your finances.

This Pro version is a subscription-free version of Account Tracker, with exactly the same content plus basic support for Apple Watch. Try Account Tracker before you buy, it is free to download and supports a 1 month FREE TRIAL. Simply cancel before being charged.

Also check out Account Tracker for Mac, now available on the Mac App Store. It requires Account Tracker version 6 or above (to sync over iCloud or Dropbox), and macOS Sierra (10.12) or above.

ACCOUNTS
- Track multiple accounts: checking, current, savings, credit cards, loans/mortgages ... etc
- Separate your accounts into groups, e.g. personal vs business accounts
- Enter your recurring transactions using calendar-based repeat intervals, e.g. every 2 weeks, the last Friday of every month ... etc
- Quickly and simply enter one-off transactions as they happen
- Reconcile your account data with your statements
- While it is useful to see where your money goes, you can also look FORWARDS, showing all of your future commitments
- Alerts if an account is likely to go overdrawn or hit its overdraft limit

BILLS
- Enable reminders for non-automatic transactions, e.g. bills that you have to pay manually
- View all transactions with reminders set
- Alerts to tell you when these transactions are due

BUDGETS
- Add budgets per category for spending, income and transfers across individual or multiple accounts
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Monitor your transactions against the goals you set

REPORTS
- Detailed reports to really understand your financial position
- Account balance over time, cash flow, spending by category or payee detail, income by category or payer and transfers by category
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Export or print reports as PDF files

DATA, BACKUPS AND SYNCING
- Import historical transactions or bank statements from a CSV file
- Export account statements, budgets and reports in CSV format for offline processing, e.g. in a spreadsheet
- Local backup and restore on your device, plus transfer of backups by AirDrop, email, Dropbox or iCloud
- Support for database syncing across multiple devices (using either Dropbox or iCloud)
- PIN code protection, plus Face/Touch ID and 1Password integration

PLUS
- Full multi-currency support, per account and per transaction
- The default currency is the one local to your device, but this can be overridden
- Supports sub-categories and splitting a transaction across multiple categories/subcategories
- Universal, retina enabled app that works on the iPhone, iPad and iPod Touch - buy once, use it on ALL of your devices
- Also supports the Apple Watch, to display account balances and a snapshot of your main budgets
- In-app user guide

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/accounts/).

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