Money Watch – Personal Finance Blog

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

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

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

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

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

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

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

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

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

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

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

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

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

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

MAKE YOUR MONEY MORE MONZO

Images and description are relevant for the UK only.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Trading 212 Cash ISA:

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

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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



Why you should use the Creation Finance App:



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



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



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



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



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



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



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



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



© Creation 2026



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



Creation is the trading name for Creation Consumer Finance Limited.

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

SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores.

UNLOCK YOUR KLARNA BALANCE²
Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.

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

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

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

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

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

¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/tmp-balance-deposit-account-disclosures
Paid membership required for a physical card. A one-time plastic card fee applies.
Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/tmp-klarna-membership-plan
Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback
⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.
⁶Cancel up to 24 hours before renewal in the Klarna app.

We’re on a mission to make laundry less of a chore. So with our free Circuit Go app, you can quickly check availability, book a machine and start washing.



Instant, reliable payments, straight through the app
Simple to book – schedule your laundry in advance
Skip the queues – check machine availability in your laundry
Save some cash – in-app coupons add up to great savings
All on your phone – get notified when your cycle’s complete


Ready to wash? Visit nearest Circuit launderette, load your laundry, choose your machine and programme, and GO.



Please note: Circuit Go relies on your phone having an internet connection. As long as you're online in the laundry room, you can activate our machines and see how long’s left on your cycle.



Your Circuit Go app account works separately to the terminal you might see on the wall in your launderette. Rather just tap and go? Pay contactlessly through the terminal.



By downloading the Circuit Go app, you agree to the following terms:

You accept that you have a non-exclusive licence to use the app. You agree not to copy the app or infringe our intellectual property rights in the app.



There’s no minimum amount of top-up credit. Payments are processed through a third-party payment provider. Circuit won’t store your card details.



You can refund any part-used top-up credit yourself – use Withdrawing Balance in the Balance area in the app. Refunds incur an administration charge of £2.00. Your part-used credit will need to cover the £2.00 admin charged to be able to process the refund.



No refund will be processed for any free credit or coupons. Balance transfer coupons will expire 12 months after the date of purchase. Visit circuit.co.uk for more information.

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).

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

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

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

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

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

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

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

PayPal
2211 N 1st St San Jose, CA 95131

Fledge answers one question: what can I actually spend?

Money comes in. The things you must pay come out. You set an amount aside for the things you budget for — the weekly shop, the petrol — and what remains is left over. Then you come back at the end of the week, put in what you really spent, and see where it differed.

That loop is the whole app. Plan it, live it, check it.

BUILT AROUND THE WEEK
Most budgeting apps assume a monthly salary and a mortgage. Fledge starts on weeks, because a week is a size you can hold in your head — and because plenty of people are paid weekly. Switch to months whenever you like. While you are in a week, Fledge still shows how the whole month is heading, so a monthly bill never arrives as a surprise.

SAY HOW SURE YOU ARE
Not everything is a bill. Mark things as Must pay, Budget for, or Nice to have, and Fledge works down the list in that order, showing exactly how far your money stretches — and telling you plainly when something will not fit.

WHAT YOU REALLY SPENT
Budget £50 for the shop, spend £62, and Fledge shows both. Under budget is celebrated as clearly as over. Week after week, the plan starts matching your life.

SAVINGS POTS
Keep money aside for a holiday, an emergency, a new car — each with its own target. When a week leaves something over, Fledge offers to move it somewhere it will not quietly get spent.

PAY ONCE
One payment. No subscription, no adverts, no upsells, and nothing is sold or shared. Your figures are yours.

WifiMan automatically tracks your Wi-Fi data usage by SSID, so you can easily get real-time usage statistics for all your Wi-Fi networks.

Features:
・ Monitor Wi-Fi usage on iPhone / iPad
・ Auto track multiple Wi-Fi networks
・ Get real-time network statistics
・ View data usage per SSID
・ Home Screen widgets
・ Map your Wi-Fi networks
・ Export network statistics
・ Security - no VPN, no login
・ Privacy - no monetizing your info

# Meticulously made by the developer of DataMan
https://xvision.me/dataman

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.

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

Abundance is a private, simple budgeting app designed for people who want clarity without bank linking.

Plan your income, organise monthly spending, track bills, and build savings goals in a calm budgeting system that replaces messy spreadsheets and overcomplicated finance apps.

Abundance focuses on intentional planning. Instead of importing bank transactions, you build a clear monthly plan and see exactly what is coming in, what is going out, and what is left.

PRIVATE BY DESIGN

Abundance is built with privacy as a core principle.

• No bank linking
• No ad tracking
• No analytics collecting your financial data
• No subscriptions

Your budgeting data stays on your device and can optionally sync across your Apple devices using iCloud.

PLAN YOUR MONTH WITH CLARITY

Start with your income, organise spending into categories, and instantly see your disposable income for the month.

Understand exactly how much you have available after planned spending.

TRACK BILLS WITH TO PAY

Outgoing items automatically create a To Pay checklist so you can tick off bills as you pay them.

Add due days to stay organised and see what still needs paying this month.

PAYDAY BUDGETING

Set your payday and receive reminders that help keep your budgeting routine on track.

Your To Pay checklist can automatically reset each payday so every month starts clean.

TURN GOALS INTO REAL PLANS

Set a savings target and see exactly how much you need to save each month.

Goals can be added directly into your budget as planned contributions.

PLAN FUTURE SCENARIOS

Create what-if scenarios to experiment with changes to your budget without affecting your live plan.

Perfect for preparing for upcoming costs or testing financial decisions.

PRIVATE DEBT TRACKING

Track debts, balances, notes and payoff dates in one place without mixing them into your main budget totals.

FEATURES

• Disposable-income focused budgeting
• Income source management
• Categories with item-level planning
• To Pay bill checklist
• Payday reminders
• Savings goal calculator
• Future budget scenarios
• Private debt tracking
• Monthly progress insights
• iCloud sync across your Apple devices
• Export and import backups
• Multiple currencies and languages

Abundance is designed to make budgeting calmer, clearer, and more intentional.

See the capabilities of the most advanced financial calculator from Texas Instruments — the BA II Plus™ Professional calculator. This calculator is a great choice for business professionals and college students, in both corporate and university settings.

FULL RANGE OF FINANCE AND SCIENCE FUNCTIONS
• Performs Time-Value-of-Money (TVM) calculations including annuities, loans, mortgages, leases and savings
• TVM P/Y=1 default matches current BA II Plus™ and BA II Plus™ Professional calculators
• Generates amortization schedules
• Calculates IRR, MIRR, NPV and NFV for cash-flow analysis
• Stores up to 32 uneven cash flows with one- to four-digit frequencies and analyzes the impact of changes in variables
• Evaluates bond prices and yields “to maturity” or “to call”
• Choose from six methods for calculating depreciation, book value and remaining depreciable amount
• Performs analysis on one- and two-variable statistics with four regression options: linear, logarithmic, exponential and power
• Determines the days between dates
• Calculates breakeven, profit margins and percent change
• Includes trigonometric and logarithmic scientific functions
• Choose between chain and Algebraic Operating System calculation methods

OTHER FEATURES
• Stores 10 values in memory which are retained by the Constant Memory feature
• Enable key click sounds in Settings
• Switches to second functions fast with one-touch 2nd function key
• Support for split screen, portrait and landscape modes
• Ability to copy individual calculation results to other apps
• Includes both BA II Plus™ and BA II Plus™ Professional calculator features
• The look corresponds to BA II Plus™ Professional calculator

“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

Purchases is a simple app to help you track all your daily expenses.

- Create groups as you like, personalize them with icons, emoji and colors. Define a limit to the group, so you can easily see the precentage you reached.

- Create the transaction defining a description, the money spent or received, where it happened and, if needed, a note.

- Add widgets to your homescreen to see your expenses in a glance.

- Organize all your data in archives, so you can start over and mantaining old records.

- Search categories and transactions directly from the home of your device.

- Export your data to a PDF document, then save it to your device or print it to store it in your home.

- Protect your data with FaceID or TouchID.

- Data are sync with your devices with iCloud.

- Simple and intuitive design.

- Customizable color options.

- Purchase is supporting Universal Purchase, so once you buy it you can download it in your other devices.

• Icons made by www.freepik.com from www.flaticon.com
• Icons made by www.icon54.com from www.flaticon.com

Meet the next generation of your favorite financial calculator. The official HP 12c app, now brings a completely redesigned interface, a modern look, and improved functionality—while preserving the precision and reliability trusted by professionals for decades.

Built for everyday use in business, banking, real estate, and education, the new HP 12c brings a timeless classic into the modern era.

The HP 12c You Know – Now Better Than Ever
• Official emulator of legendary calculator device by Hewlett-Packard
• Identical algorithms, layout, and keystrokes as the original HP 12c
• RPN (Reverse Polish Notation) for fast and efficient input
• Built-in financial tools: loan payments, TVM, NPV, IRR, cash flows, bonds, and more

Be Ready. Anywhere. Anytime.
Whether you’re in class, at the office, or on the go, HP 12c is ready when you are. Just launch the app on your iPhone and get to work.

Download HP 12c today and experience the perfect blend of classic functionality and modern design.

***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.

10BII Calc HD is a business calculator featuring over 100 built-in functions for business, finance, mathematics and statistics. Easily calculate loan payments, interest rates, amortization, discounted cash-flow analyses, TVM (loans, savings, and leasing), bonds and depreciation using a simplified algebraic entry system. The keyboard and display have been carefully optimized for the iPhone, iPod Touch and iPad. Two keyboard layouts and multiple specialized worksheets allow you to do much more than a 10BII calculator while maintaining compatibility with the standard.

HD version includes:

• 2 for the price of 1! iPad and iPhone versions included- use on both your iPad and iPhone

• HD graphics included for iPad and iPhone retina displays

• iPad version includes full support for slide over and split views.

• New worksheets including interactive graphs.


Features:

•Time Value of Money- Loans, savings, leases and amortization schedules using both the standard keyboard and a specialized TVM solver window that displays the contents of all the variables for rapid "what if" solutions to your problems. View and mail amortization tables.

•Interest Conversion- Nominal and effective rates.

•Cash Flows- Net present value, internal rate of return, net future value and net uniform series calculations. Up to 80 cash flows are easily edited and reviewed using the dedicated cash flow editor screen. Entries are added, deleted and modified in a scrolling display with a touch interface unique to the iPhone.

•Business Percentages- Percent change, markup, and margin calculations.

•Statistics- Mean, standard deviation, correlation coefficient, and linear regression forecasting, weighted mean. Sample editor and plotter, forecasting using linear, log, exp or power fit.

•Conversions- 47 world currency rates and over 100 commonly used metric, english and other conversion factors used in financial, business, scientific and engineering calculations.

•Scientific- sin, cos, tan, asin, acos, atan plus the hyperbolic trig functions, conversion between rectangular and polar coordinates, conversion between degrees and radians, time functions including h.ms+ and h.ms-, log, ln, 10^x, e^x, y^x, x root of y, fraction part and integer part. Trig functions can be computed in radians, degrees or gradians.

•Worksheets-
Auto Purchase
Black-Scholes
Bond
BreakEven
Cash Flow Analysis
Currency
Date
Depreciation
Interest Conversion
Lease
Loan Amortization
Margin & Markup
Refinance
Statistics
Tip
TVM

Many of the worksheets include interactive graphs.

•Audit tape records all calculations. Tape can be mailed, texted or printed.

Discover how to use any function on the keyboard by touching the ? key then the key you want to learn about. Help screens are available for all worksheets.

Quote from a customer:

"Last week I had a meeting with my accountants and my bankers. We were working on the pro forma balance sheets and cash flows for a new project I'm working on.

They were all asking why I had switched to the iPhone for I used to be a die hard "brandX phone" fan. I said that one could do so much more. They said "yea...sure" (they were all using "brandX phones") until I started using your calculator. We were analyzing different payment and amortization schedules. They were so impressed by how easily we could figure out the amount of interest, principal and remaining loan balance for any certain period or combination of periods that in the end they were saying "I have to get me one of those".

 Great product. Thanks."