Money Watch – Personal Finance Blog

The improved PayPal mobile app is the secure way to send, receive, and access your money from almost anywhere.

With our improved app, you'll get the convenience you want, paired with the secure transactions you've come to trust from PayPal. Plus, there are no transaction fees when sending money to Friends and Family in the U.S. when you use your bank account or balance.

HELP KEEP YOUR FINANCIAL INFORMATION PRIVATE AND PROTECTED
You can get peace of mind you deserve with:
24/7 transaction monitoring
Secure encryption technology
Fraud protection
Fingerprint and two-factor authentication (activation required)

SEND MONEY TO FRIENDS AND FAMILY FOR FREE
It’s free to send money to Friends and Family in the U.S. using your bank account or PayPal balance. Settle up for your share of the bill, send a loved one the gift of money, or request money from a friend with ease.

PAY FOR GOODS AND SERVICES WITH CONFIDENCE
Sending money to someone you don't know? With PayPal, you can send it with confidence. When selecting Goods & Services, your eligible send money transactions can be protected by Purchase Protection. Terms and Limitations apply. And, if the recipient doesn't have a PayPal account, can open one easily for free.

ACCESS YOUR BALANCE INSTANTLY WITH THE PAYPAL CASH CARD
Easily transfer funds from your bank to your PayPal account and access your balance with the PayPal Cash Card. Shop in-store, online or anywhere Mastercard is accepted. Plus, withdraw your PayPal funds at ATMs worldwide.

SEND MONEY TO PAYPAL ACCOUNTS AROUND THE WORLD*
We make it easy to send money internationally. Choose from a range of currencies to help maximize the value of your dollar with our competitive fees. Sender and recipient must have a PayPal account.

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

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

Always know how much money you have

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

Use your card anywhere

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

Spend for free

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

Pay people in seconds

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

Stay in control

If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)

Rest easy

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

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

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

The Barclays app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a Barclays current account, follow the onscreen instructions. You’ll need the 16 digit number off your debit card and you’ll need to verify your identity with PINsentry or at a Barclays cash machine.

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

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

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It can take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• No need to log in to lots of apps - view your current accounts held with other banks, safely and securely, in your app
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

Terms and conditions apply. You must be aged 16 or over to use the Barclays app.

FOR BUSINESS ACCOUNTS
You can only use the app if you’re a sole-signatory Barclays Business current account holder. You can’t register your Barclaycard business or corporate credit cards.

This app is provided by either Barclays Bank UK PLC or Barclays Bank PLC depending on the entity you may have contracted with for banking services. Please refer to your bank documents (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you.

Copyright © Barclays 2019. Barclays is a registered trade mark of Barclays plc, used under licence.

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676).
Registered in England. Registered No. 9740322 Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702).
Registered in England. Registered no. 1026167 Registered Office: 1 Churchill Place, London E14 5HP.

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

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

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

##Frequently asked questions##

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

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

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

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

##You can use the app to##

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

When it’s hard to find a moment for those small but important jobs, our app is here to help. It’s fast, convenient and more secure than ever, with built-in security technology to keep your banking details safe and private.

And since you’ve usually got your mobile or iPad on you, it’s the simplest way to do your everyday banking.

- Log on quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- Check your balances and pending payments
- View individual transaction details
- Transfer money between accounts, and make UK and international payments
- Pay your loan or credit card bill
- Pay in cheques
- Apply for loans, savings, cards and more
- Easily freeze debit card transactions, report lost or stolen cards and order replacements
- Reset your password or request a new PIN
- Update the your contact details
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

GETTING STARTED
New to this app? Setting it up is quick and easy – you just need to register your device. For this you’ll need:
- An up-to-date phone number registered with us
- Lloyds Bank UK personal, Islands personal or sterling international account
- Internet Banking user ID, password and memorable information (you can create these in the app).

KEEPING YOU SAFE ONLINE
We use the latest online security measures to protect your money, your personal information and your privacy. This includes preventing connections from the app on devices that we think have been tampered with. As a Mobile Banking customer, you automatically benefit from our online and mobile banking guarantee: http://www.lloydsbank.com/security.asp

CONTACTING YOU
We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from LLOYDSBANK.


INFORMATION
Mobile Banking is available to our UK personal (and some Channel Islands, Isle of Man and WorldWide Service) Internet Banking customers. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

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

Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

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

Everyday Offers is available to Lloyds Bank UK personal current account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc.

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

Our Mobile Banking app can do everything you’d expect, maybe a little extra. And you can use it whenever and wherever you want. So you can crack on if you’re on the bus, at work, or simply can’t tear yourself away from the telly.

THE BASICS
- Sign in quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- Swipe easily to see balances and statements
- View details of individual transactions
- Check money coming in and going out
- Make transfers and payments (it’s so easy)
- Manage your standing orders and view direct debits
- Pay your loan or credit card bill
- Pay in cheques
- Set up new payees or pay your phone contacts.

A FEW EXTRAS
- Earn as you spend with Cashback Extras
- Apply for loans, savings, cards and more
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

STAY SAFE
- Freeze card transactions if you’ve temporarily misplaced your debit card or want to restrict how it’s used
- Report lost or stolen cards
- Order replacement cards and PINs
- Reset your Online Banking password
- Update the contact details we have for you.

GETTING STARTED
New to this app? No problem. Just register your device and you’re ready to go. For this you’ll need:
- An up-to-date phone number registered with us
- Halifax UK personal account
- Online Banking username, password and memorable information (you can create these in the app).

KEEPING YOU SAFE ONLINE
We do all we can to protect you online. This includes preventing connections from the app on devices that we think have been tampered with. We also have an online banking guarantee: http://www.halifax.co.uk/aboutonline/security/

CONTACTING YOU
We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from Halifax .


IMPORTANT INFORMATION
Mobile Banking is available to our Online Banking customers with a UK personal account. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

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

Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

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

Cashback Extras is available to Halifax bank account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.

Halifax is a division of Bank of Scotland plc. This app and Mobile Banking are operated by Bank of Scotland plc (registered in Scotland (No. SC327000) Registered office: The Mound, Edinburgh, EH1 1YZ). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Winner of the ‘Best Banking App’ at the British Bank Awards for 2017 and 2018, our award winning app is available to download for our Online Banking customers.

What you need to register
• You'll need to be registered for Online Banking. If you aren't already, you can do this when registering for the mobile app.
• Your Customer Number, which is your date of birth followed by four random digits.
• Your Online Banking PIN & Password, which is what you use to log in online.
• When logging in for the first time you’ll be asked to choose a mobile banking PIN, which is what you’ll use in the future.

Key Features
• Log in using Touch ID or Face ID – there’s no need to remember any details when logging in. Available on a compatible iPhone or iPad.

• Personalise your app – customise how you view your accounts in your app and your own personal greeting.

• Get Cash – visit a cash machine and withdraw up to £130 without your debit card – perfect if you’ve forgotten your wallet.

• Pay someone new without a card reader – all you need is their account number and sort code and you can send up to £750.

• Manage receipts – Business and Premier customers can capture and store receipt images that will then be automatically matched to your transactions.

Other important information about our app
• Get Cash allows you to withdraw up to £130 every 24 hours at any NatWest, Royal Bank of Scotland (in Scotland) or Tesco ATM, as long as it’s within your daily withdrawal limit. You must have at least £10 available in your account.
• Paying someone new without a card reader allows a maximum of five payments totalling £750 per day. You must be aged 16 or over.
• Paying your contacts allows a maximum of 20 payments totalling £250 per day. Pay anyone who has our app or is registered for Paym. You must be aged 16 or over.
• To cancel a Direct Debit from within the app, you have until 8:20pm (UK time) on the day the payment is due. At or after 8:20pm (UK time), the payment due on that day will have been taken and we will not be able to retrieve it.
• To cancel or amend a standing order from within the app you must give at least two working days notice.
• You can create one Travel Plan at a time, for a maximum period of 90 days, that includes up to seven countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking, and only in your name. Joint account holders should register separately.
• Managing your receipts is available to Business Banking and Premier customers only.
• Standard data charges may apply – contact your network operator for details.

To enjoy all of the features that our app offers, you will need to accept the following permissions:
• Network communication for connectivity
• Your location to find your nearest cash machine or branch
• Access to your contacts list to allow you to Pay Your Contacts

By downloading this application, you are accepting the terms and conditions which can be viewed at natwest.com/mobileterms. We recommend that you save or print a copy of the terms and conditions and privacy policy for your records.

Designed especially for our UK customers, the HSBC UK Mobile Banking app lets you manage your money on the go easily and securely.

• Log on quickly and securely with Face ID and Touch ID
• See your accounts, transactions, standing orders and Direct Debits at a glance
• View and download your statements
• Send money to new payees using their bank details or phone number (Paym)
• Transfer money between all your eligible worldwide HSBC accounts
• Deposit a cheque
• Block your card temporarily

If you have HSBC accounts outside of the UK, please also download the HSBC Mobile Banking app to manage your global accounts.
HSBC is committed to providing digital applications that are accessible to all its customers. We take this responsibility very seriously; accessibility will continue to be a major consideration as we develop the app, and improvements will be delivered in future updates.

If you are not yet a Digital Banking customer, you will need to register for UK Digital Banking in order to use the HSBC UK Mobile Banking app.

Terms and conditions apply.

Use Touch ID, Face ID or your security details to quickly and safely access your Santander accounts in one place. Pay your bills, your friends and your mobile contacts with ease.

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

Manage your accounts
•See your running account balances and transaction history
•Check pending transactions for your current account and credit card
•See information about your Santander products to help you make the most of your money

Quick, easy payments
•Move money between your Santander accounts, or pay somebody else
•Pay somebody using just their mobile phone number through Paym
•Manage your Direct Debits and standing orders
•Share payment confirmation through email, SMS or your messaging apps
•Use Touch ID, Face ID or your Security Number to authorise transactions made online, and consents with third party providers.


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

Before you start

You’ll need to make sure that we know your current UK mobile number, so that we can send you One Time Passcodes. Once that’s done, it takes just a few minutes to get started with Mobile Banking.

•Open the app and enter your Online Banking log on details
•We’ll send you a One Time Passcode (OTP) by text message
•Enter the code into the app and we’ll register your device
•We’ll then ask if you want to set up Touch ID or Face ID to log on
And that’s it, you’re in!

Remember …

Never share a One Time Passcode (OTP) with another person. Not even a Santander employee.
Never download software or let anyone log on to your computer or devices remotely following or during a cold call.
Never enter your Online Banking details after clicking on a link in an email or text message.

All interest and Retailer Offer rates within our App Store images are for visual purposes only and may not be indicative of our actual rates.

(English language only)

Santander Mobile Banking will not run on devices that have been jailbroken.

Please make sure you have the latest Apple software on your phone so that our app runs smoothly. Your device will need to be running iOS version 10 or above in order to use this app. If you are unable to update to this version, please log on to Santander Online Banking to access your accounts.

Apple, Touch ID and Face ID are trademarks of Apple Inc. registered in the US and other countries.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.

At Starling, we knew banks could do better, so we built a mobile bank account from scratch for personal, joint and business. Voted Best British Bank, Best Current Account Provider and Best Business Banking Provider at the 2019 British Bank Awards, our mobile banking app makes banking fast, easy, free and seamless – and it’s changing how people manage their money.

THE PERSONAL BANK ACCOUNT.
This is a mobile banking app – but not as you know it.

• Keep track of what’s coming in and out of your account with instant payment notifications and a real time balance.
• Break down your spending habits with Spending Insights to budget in a better way and understand exactly where your money goes.
• IOU’s are simple and speedy with Settle Up, Split the bill or Nearby Payments. No card readers or sort codes required; just a few taps, a single link and you’re all paid back.
• Save for the things you really want with Goals.
• Make money go further with zero fees from us when you use your card abroad.
• Need a little extra? Adjust your overdraft to suit you with an in-app slider or get a Starling personal loan that’s straightforward to use, competitively priced and totally tailored to you.
• Think you've lost your card? Lock it in-app instantly then unlock it if you find it again.
• Send fast, transparently priced, cheap and secure money transfers to over 38 countries worldwide, straight from your bank account.
• Available for 16 and 17 year olds, too!

THE BUSINESS BANK ACCOUNT.
No fuss, no monthly fees, no three week waits. Apply in minutes to get a smart and straightforward business account that’s designed for sole traders and small businesses.

• With no monthly fees and no setup costs, you can save money while you grow your business.
• Deposit money at over 11,500 Post Office branches nationwide for as little as £3 per deposit.
• Manage your cash-flow with real time notifications whenever money enters or leaves your account (great for keeping track of those invoices!)
• Utilities, travel, entertainment; see exactly where your business spends most with Spending Insights.
• Simplified accounting with easy CSV exports that let you share your transactions with your accountant or accounting software such as Xero and FreeAgent.
• No fees from us when you use your card abroad.

THE JOINT BANK ACCOUNT. (Currently only available for personal account holders)
Manage collective household expenses like bills and rent or save up for something big – however you feel like using it, our joint account is designed to simplify shared spending.

• Instant payment notifications help you stay on top of your mutual spending in real-time.
• See in real-time how much you are spending on bills; Spending Insights help you figure it out fast.
• Pool your rent and bills and make those important payments from a single account.
• Whether it’s a new sofa or Santorini – save for it together with Goals.
• No fees from us when you use your card abroad.

Your money’s secure with us. We’re a member of the FSCS (Financial Services Compensation Scheme) so up to £85,000 is protected if your deposit is eligible.

We’ve also been recommended by Money Saving Expert and featured in TechCrunch, City A.M Wired, Financial Times, Bloomberg, Tech City News and many more.

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

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

*** 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

iCurrencyPad is not just a simple and elegant currency convertor and calculator.

iCurrencyPad also offers an up-to-the-minute exchange rates "electronic board", detailed charts of historical price trends, and more:

√ a polished, easy-to-use interface
√ 160+ currencies from around the world
√ favorite currencies to reduce clutter
√ charts for all exchange rates
√ multiple data sources

√ iPhone, iPad and iPod Touch resolutions
√ HD Retina graphics optimized for iPhone 6 and 6 Plus

◆◆◆◆◆ "Excellent! Professional! Highly Recommended... finally the currency application I have been waiting for so long..."

◆◆◆◆◆ "...I tried all other similar apps, and I am proud to announce that this app is simply the best of them all.."

◆◆◆◆◆ "Smart, intuitive and flexible!... slick interface with great functionality which further impresses with its great selection of currencies and immediate updates. Good job! Highly recommend!"

Features:

-- Simple Interface --
iCurrencyPad was designed to be fast and easy to use. Just select the currencies to convert and tap in the amount to convert. A convenient calculator allows for basic math calculations, showing the results as the values are tapped. Swipe across the display to swap the left and right currencies, or swipe up and down to select different currencies. Tap and hold to copy/paste.

-- Favorite Currencies --
While iCurrencyPad offers exchange rates for 160+ currencies from around the world, you may be interested in only a few currencies. To reduce clutter on the screen, iCurrencyPad allows you to select and sort your Favorite Currencies, so only those currencies that interest you appear on the screen, thereby making the application easier and faster to use.

-- Charts --
Detailed charts show the history of exchange rates for any two currencies. Tap on the chart for the exchange rate on any particular day. Tap with two fingers to show the change in rates between any two dates. Rotate the device for a larger chart in landscape view. Charts for most currencies are available for 1-day, 5-days, 3-months, 6-months, 1-year, 2-years, 5-years and 10-years.

-- Exchange Rates Listing --
The exchange rates listing shows a base currency compared to all other currencies, similar to the electronic exchange rate boards seen in "Change" shops around the world.

-- Exchange Rates Updates --
iCurrencyPad updates Exchange Rates on demand, or automatically at pre-defined intervals ranging from 15 seconds to 1 day. Exchange Rates are automatically updated when the app is launched, or auto-updates can be turned off when roaming. An Internet connection is required to update rates, either via cellular network or a Wifi connection. Without a connection, rates can still be accessed and converted using the last data downloaded.

-- Easy to Get Started --
A short 20-second tutorial will play when you first launch iCurrencyPad and guide you through the app's features.

-- Languages --
The user interface is offered in 9 languages: English, Spanish, French, German, Italian, Russian, Chinese, Japanese and Arabic. Please visit the App Store in your language for a translated description and screenshots.

-- Reviews --
"...iCurrency Pad is a great piece of software powered by a stunning design and usability. It’s beautiful, useful, powerful yet simple and straightforward..."

-- MacStories (http://bit.ly/94Y9IT)

Profitable Bitcoin Trading Strategies for Bitcoin Daytrading

The CryptoCurrency Market is still in its infancy and has experienced explosive growth in the last few years, as The Market has grown aware of the current and future usefulness of cryptocurrencies. Pioneering the way is Bitcoin (BTC), the leader of the movement with a $4.5bn market cap.

Bitcoin is New...Fun...Dangerous...Volatile all at once. The volatility of bitcoin makes it great as a trading instrument, and thats what i am going to focus on here.

In heavility volatile periods bitcoin can move 20-50% in a single day. Which presents a massive opportunity for day traders to get in on the action.

What you will learn in this course is:

The Potential of Bitcoin
How to get started trading Bitcoin
How to recognize trade set-ups on Bitcoin Charts
When to Buy Bitcoin (long)
When to Sell Bitcoin (Short)
How to trade Bitcoin profitably
How to manage your risk

Are you sick of carrying around a wallet as thick as a brick? How about worrying about losing your wallet, and not even knowing what needs to be replaced?

Maybe you have cards you only use occasionally, but you never know when you might need them, so you carry them all the time anyway...

Well those days are over my friend. Wallet+ will backup all your cards to your phone, so you have 24/7 access to everything you need, even if you forget your wallet.

But don't take my word for how great this app is. Here's what some of our users have to say...

"So useful. A need for all who have an iPhone."

"I tried 7 - yes, seven - card apps yesterday. I Deleted them all and loaded my Wallet Plus up in the new phone. The other programs were too busy and had too many steps to get to the card."
-Cricket

Thousands of users love Wallet+, we know you will too!

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Wallet+ is the best wallet in the iTunes Store!
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What People are saying...

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"Definite must own."

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"I think this a wonderful app to have just in case your wallet gets lost or stolen!!"

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"Simple and easy to use."

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WALLET + IS GREAT FOR
- People who never clean out their wallets (you know who you are)
- Frequent travellers who want to leave some of their cards at home
- Online shoppers who don't want to search all day to find that one specialty card they rarely use
- Families who share cards, insurance and more
- Anyone who loves technology, and it's application
- The super saver who has a rewards card to every store
- The credit card points aficionado, who has a new card every month
- The car enthusiast who has 27 pieces of proof of insurance
- Employers who want to allow give their employees easy access to certifications and more...

And anyone else who has ever said "what's in this wallet," "I can't find my card," or I wish there was an easier way

Download Wallet+ now, and experience the future of Wallets. It's about time you upgraded!

Why other wallets are free for download, but this is paid?
- When you make a transaction to an address given as "yours" from the free wallets, they took the amount that you sent of that wallet and add it to their wallet. From there they can use your cryptocurrency or your cryptocurrency can be stolen.
- Our Application generates wallet only for you, which we can’t access or somebody else.

Store your crypto assets in the offline wallet, because everything can be hacked except our offline wallet.
Over the years we've seen a lot of stolen crypto currency even in the largest "protected" websites which offer buy, sell or exchange of the crypto currencies.
Even "Ledger" can be hacked, because your computer can store viruses which can stole the data from the "Ledger" in offline mode and when you connect to the internet can upload it to 3rd parties.
You don't have to keep your assets there, because there is a big risk to be stolen by hacking or phishing.

Depositing your funds in the offline wallet is the most secured way to prevent stealing of it, because it cannot be hacked!

Supported cryptocurrencies: Bitcoin, Ethereum, Ripple, Bitcoin Cash, EOS, Litecoin, Stellar, Tether, Monero , DASH, Binance Coin, Ethereum Classic, Omise Go, KuCoin Shares, Huobi Token, TRON, UNUS SED LEO, Chainlink, NEO, Crypto.com Chain (CRO), Maker (MKR), Egretia (EGT), Basic Attention Token (BAT), HedgeTrade (HEDG), Holo (HOT), Qubitica (QBIT), Pundi X (NPXS), Aurora (AOA), Augur (REP)

The application generates random address and private key of the crypto currency by your choice completely offline, which means that is the best option to store your assets.
Private key is used to access your funds.
In the application you will see tutorials how to access the funds, sent to the offline wallet.

THE APPLICATION WORKS COMPLETELY OFFLINE, JUST TURN OFF YOUR Wi-Fi and MOBILE DATA OR SWITCH TO AIRPLANE MODE.
THE APPLICATION DOESN'T HOLD AND STORE ANY CRYPTO CURRENCY!
THE APPLICATION DOESN'T SAVE ANY INFORMATION!
THE CRYPTO CURRENCY THAT YOU HAVE IN THE GENERATED WALLET IS STORED ONLY IN THE BLOCKCHAIN OF THE CRYPTO CURRENCY!
WE DON'T SUGGEST YOU TO KEEP YOUR PRIVATE KEYS STORED IN YOUR MOBILE DEVICES OR COMPUTERS, BECAUSE YOUR FUNDS CAN BE STOLEN.
JUST USE PEN AND PAPER.

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

SALE - 50% OFF!

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

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

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

Now in its 11th year, this useful application makes it easy to MONITOR your household utility meters. Once you start entering readings, your usage, costs and savings are calculated and displayed in easy to visualise graphs.

For UK users, you can also compare your usage and costs against energy supplier prices in your area to see if you can SAVE EVEN MORE money. You can even switch suppliers directly from your device!

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

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

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

PRICE COMPARISON (UK only)
- Compare your usage and costs against energy supplier prices for your postcode
- Completely independent tariff calculator from Energylinx, the UK's number 1 guide to utility prices
- Switch energy suppliers directly on your device, or email yourself a link to do it on a computer

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

SUPPORT
Please don't leave support requests on iTunes as these are anonymous and I have no way of contacting you if I have questions. Instead there is a link to my support page from iTunes and from the app itself (or simply go to http://grahamhaley.co.uk/meters/).

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

Are you studying accounting or bookkeeping in the United Kingdom? If so then this application is for you. This application contains over 1000, originally written, multiple choice questions which allow you to test your knowledge in areas such as:

Business Types
Accounting Equation
Assets and Liabilities
Costs and Expenses
VAT
Sales, Income and Expenditure
Costs per Unit
Costs per Classification
Wages and Overtime

As well as these questions the app also contains a handy revision area where you can review the questions you answered incorrectly to guide your future revision. You can choose if you wish to see the answers to the questions you get wrong and adjust the length of the quiz. As well as a random quiz on all subjects you can choose a quiz on a dedicated subject area to test yourself and improve your knowledge.

The quiz provides a random selection of questions with live scores. Once purchased you get unlimited access to the quizzes and free updates to the question bank in the future.

This application does not provide any learning material and should only be used to aid revision and test knowledge alongside a study plan utilising other material or courses. It should not be used as a guide to practice accountancy or bookkeeping. Whilst all questions are checked for accuracy the developer does not take responsibility for any inaccuracies within the questions provided and any loss as a result of using this app and the questions within.

If you are looking for a smart, full-featured and easy to use App to manage your bills, Bills Monitor is the one.

Use this app to ensure that never late to pay bills.

Bills Monitor - Bill Manager & Reminder is designed to manage all kinds of your bills. Log your bills in this app, you can track or check them from time to time visually and conveniently, also it will remind you to pay your bill after setting its reminding days. Bills Monitor will help to make your schedule easier and every bill in control.

The design and UI face is clear and tidy, which makes you manage the bills very easy and comfortable.

Features:

⁃ Calendar view of bills.
⁃ Indentify the state of bills by individual icon on them.
⁃ Add bills with their categories, amount, due date, pay account, recurring or not, recurring end date if available, paid amount, and note.
⁃ Remind when bill due date approaches or bills are over-due.
⁃ Mark payment to bills in full or in part.
⁃ Add recurring bills with frequency and end date conveniently.
⁃ Show number of unpaid overdue bills on icon.
⁃ Twenty system own categories and you can customize your own.
⁃ Report function to show categories (allocation) of bills by pie chart.
⁃ Customize period to email bills to your Financial Consultant or others in format of CSV, HTML or PDF.
⁃ Search your bills by key words of name, note, category, and account.
⁃ Passcode function to protect your info.
⁃ Supports Touch ID as passcode.
⁃ Add account’s name, phone No., website, and note.
⁃ History to show all your bills.
⁃ Supports Wifi backup and restore.
⁃ Supports iCloud backup and restore.
⁃ Supports Dropbox backup and restore.
⁃ Supports Apple Watch version.
⁃ Supports Today Widget.
⁃ Supports 3D Touch function.

If you have any question or suggestion, please send email to Maxwellsoftware@gmail.com.

EASY BUDGET. Cut your expenses with Money Pro®!
Expense tracker, budget planner & account manager - all in one app to get your finances under control. Money Pro works great for personal & family expense tracking and even for business finance management.

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

FEATURES:

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

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

Budget Planner
- flexible structure of categories & subcategories with over 1,500 built-in icons
- custom periodicity: start your budget from any date
- visual indicators for budget spending
- transferring the leftover of the current period to the next budget period to limit your spending
- unique icons with your own photos

Account Manager
- easy management of unlimited number of accounts
- balance change history
- additional fields for organizing your records: payee, description, check #, class (personal/business travel expenses).
- import of bank statements (files: .ofx, .csv)
- online banking (GOLD subscription required)

Insightful Analytics
- visualize where your money goes
- use filters to look deeper into your spending
- projected balance and trend charts will help in planning

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

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

GOLD subscription
- 1 Month of GOLD: $6.99
- 6 Months of GOLD: $29.99
- 12 Months of GOLD: $49.99
In all the countries (except the USA) actual charges will be converted to the local currency. Payment will be charged to iTunes Account at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.
Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase.

Terms & Privacy
- http://ibearsoft.com/privacy.html
- http://ibearsoft.com/terms.html

Money Pro is a Universal app. Pay once and use it on your iPhone, iPad and Apple Watch.