Money Watch – Personal Finance Blog

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

Meet the debit card that helps you save. With one app to manage all your finances, in real time.

Monzo Pro is $10 a month. Open an account in a few minutes.

THE DEBIT CARD THAT HELPS YOU SAVE

Get cash back rewards on your debit card with Monzo Pro.
Get cash back instantly: withdraw, spend or save it.*

NO STRESS SAVINGS

With Monzo Pro, earn more interest with our best savings rate of 3.75% APY. Otherwise, you’ll receive 2.00% APY.†
Every month, earn interest on top of what you save.
Set goals for your savings and we’ll help you work towards them.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

ALL YOUR MONEY, ONE APP

Link your other bank accounts, credit cards and savings accounts into Monzo.*
Get money saving insights across all your bank accounts and credit cards.*
Get paid early with direct deposits.*
No ATM fees from us, ever. And no ATM fees when you stick to the 38000+ MoneyPass ATMs.

SERIOUSLY SECURE

Your money is eligible for up to $250,000 in FDIC pass through insurance.**
Anti-fraud systems that help keep your money safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.

*Monzo Pro subscription may be required to access certain features. Fees and terms apply, see monzo.com/us for more details.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of May 19, 2025. The APY may change at any time.

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

Monzo is a financial technology company; not a bank. All banking services and deposit accounts are provided by Lead Bank or Sutton Bank; Members FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank or Sutton Bank, Members FDIC, pursuant to licensing by Mastercard International Inc. See Terms and Cardholder Agreement for more details.

†As of June 18, 2025, you'll earn 3.75% APY (Annual Percentage Yield) with a Monzo Pro subscription and 2.00% APY for Monzo Base users. No minimum deposit needed. These rates are variable and may change. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. Monzo isn't a bank. Banking services and debit card are issued by our partners, Lead Bank or Sutton Bank, Members FDIC.

**Funds held in the Monzo deposit accounts are held with Lead Bank or Sutton Bank; Members FDIC, and funds aggregated across all deposits held at the member bank are eligible for up to $250,000 in pass-through insurance in the event Lead Bank or Sutton Bank fails, if specific deposit requirements are met, and your card is registered. You can find your sponsor bank in your cardholder agreement in the app. FDIC insurance does not protect funds in the event of Monzo’s failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage.
Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

Monzo Pro is an optional, monthly paid subscription membership program. Subscribers will be charged every month. Once enrolled, subscribers have access to Monzo’s highest APY, cashback rewards, exclusive upgraded benefits and access outside of Monzo’s basic offerings. Please see Terms on monzo.com/us for more details.

Join the 65+ million customers worldwide who use our app to spend, send, and save smarter.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card in the app. No credit check required
Shop with your PayPal balance everywhere Mastercard® is accepted
Earn 5% cash back on a category you choose each month*
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal
A PayPal Balance account is required to get the card
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“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

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

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account in the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.
*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings

TRACK YOUR PACKAGES
View orders and delivery status until they arrive safely at your door. Simply link your Gmail or Outlook to get started
Not all sellers are participants

BUY NOW PAY LATER
*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4
About Pay Monthly: WebBank is the lender of Pay Monthly. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS

PayPal
2211 N 1st St San Jose, CA 95131

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

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

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

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

UK's #1 app for active trading & long-term investing.* (71% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 4.05% 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 and get high cashback;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 3.85% 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, 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. 71% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


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


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


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


Trading 212 is the following companies:

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

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

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.

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).

Meet Emma, your financial super app

● All your accounts in one place
● Find and track your subscriptions
● Set budgets
● Weekly reports
● Analyze your spending & expenses
● Daily balance notifications
● Overdraft alerts

BANK LEVEL SECURITY

Worried about sharing your data? We hear you.


● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored.
● Emma uses biometric security authentication for an added level of protection.

CUSTOMER REVIEWS

“This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!”
Sarah

“I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!”
Mike

OUR MISSION

We believe everyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We provide a great experience, which relies on a basic principle - caring about our customers’ financial well being. This is who we are and what we stand for.

We have received amazing feedback from the finance community and have been featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M.

MORE FEATURES? GO PLUS, PRO OR ULTIMATE

We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade:

Emma Plus

True Balance - preemptively see the balance of your bank account after your subscriptions are removed
Fraud Detection - find out whether your personal details have been part of a known data breach
Bill Reminders - get reminded about your upcoming bills so you never miss a payment
Cashback - get cashback from your favorite brands


Emma Pro

All the features in Emma Plus
Custom categories - so you can customize your finances to your heart's content
Rename transactions - for easier reference
Export data - to understand your finances on excel
Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma
Create Smart Rules - to automate your Offline Accounts. Look, no hands!
Split your transactions - into multiple categories for more flexibility
Legendary Pro Icon - because you are a Pro

Emma Ultimate

All the features in Emma Plus & Pro
Spaces - group together different accounts to see separated analytics and budgets
Ultimate Icon - so you can show them who's boss

-----------------------------------

If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at $4.99 CAD/USD/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free.

Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

Company Registration Number: 10578464.

Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy

The Barclays app

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

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
• 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 2025. 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.

*** 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

Take Control of Your Finances with Money Manager
Money Manager is the ultimate personal finance app designed to help you track expenses, manage budgets, set financial goals, and organize your accounts—all in one place. Whether saving for a big purchase, managing daily spending, or planning for the future, Money Manager makes it simple, secure, and hassle-free.

Why Choose Money Manager?
• Income & Expense Tracking – Add transactions with just one tap—quick and easy! Perfect for tracking daily spending and cash expenses.
• Customizable Dashboard – Personalize your dashboard with widgets that fit your financial needs.
• Advanced Reports & Analytics – Get detailed insights into your weekly, monthly, and annual spending. Export reports in PDF or Excel format for better analysis.
• Goal Planner – Set financial goals, track progress, and easily achieve them.
• Budget Planning – Create weekly, monthly, or annual budgets and monitor your spending.
• AI Financial Assistant – Get personalized advice and tips from Money Manager’s AI assistant. Whether it’s budgeting tips or saving strategies, AI has you covered.
• Cashbook Borrowed Money Tracker – Keep track of the money you owe or are owed by friends and family, with timely reminders.
• Smart Reminders – Never miss a transaction with reminders for daily, weekly, monthly, or custom dates.
• Multi-Account & Liability Management – Organize multiple accounts and track liabilities in one place.
• Recurring Transactions – Automate entries for salaries, EMIs, or subscriptions with daily, weekly, monthly, or yearly options.
• Auto Backup & Restore – Securely back up your data daily, weekly, monthly, or manually and restore it anytime.
• Import & Export Data – Easily import or export financial data in PDF, Excel, or database formats.
• Passcode Protection – Keep your financial data safe with advanced encryption and passcode security.
• Bookmarks – Quickly access important transactions or data with the bookmark feature.
• Multi-Profile Support – Manage personal, family, or business finances separately within the same app.
• Multi-Currency & Language Support – Track finances in multiple currencies and languages for global use.
• Real-Time Support – Need help? Contact us anytime at budgetmanagerapps@gmail.com.

Security You Can Trust
Your financial data is fully encrypted and protected with advanced security features to ensure privacy and safety.

Download Money Manager Now!
Start managing your finances with ease today and take control of your financial future. Whether you're a student, freelancer, or family, Money Manager is the perfect budget planner and expense tracker for you.

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)

◆ Featured in the Telegraph Must-Have Apps List in the UK

◆ Featured in the Sunday Times App List in the UK

Do you have too much month left at the end of the money? Would you like to know just how much you are spending on eating out, fuel, groceries etc every month?

'Spending Log' logs your income and expenses so you can keep track of where your money is spent. You can keep track of your money going out of and in to different accounts and can categorise these transactions for easy analysis.

◆ Identify areas where you could cut back your expenditure
◆ Know for sure where the money goes

Group your purchases into categories so you can :
√ See how much you spend on groceries in a typical week
√ See what proportion of your total spend was on fuel last month
√ Split your purchases any way you like for an analysis relevant to you

'Spending Log' is highly configurable allowing you to set up accounts, categories and time periods to suit your circumstances. You can analyse how much you spend over any combination of different accounts and categories for any time period you like.

√ Highly Configurable - Make it Your Own
√ Record Income & Expenditure on Multiple Accounts - Current, Savings, Business Expense Account, etc
√ Record Income & Expenditure under user defined Categories - Groceries, Fuel, Clothes, etc
√ Analyse your Expenditure & Income over ANY time period - Weekly, Monthly, Quarterly, Every 10 days, etc
√ Record Account Transfers
√ Analysis includes a breakdown by Category of Expenditure Totals, Proportions & Averages over any Time Period
√ Set up Automated Recurring Transactions & Account Transfers - Monthly rent payment, Regular payment into a Savings Account, etc
√ View your logged Transactions in a Bank Statement like format and on a Calendar
√ E-Mail your Transactions as a CSV file attachment from within the App ; CSV files work with most spreadsheet software
√ Set up Balance Alerts ; be alerted when approaching your overdraft limit
√ Includes Secure Passcode Entry System to keep your log private
√ See your Account Balances at a glance


◆ This app is part of the MoneyBudgie Finance Tracking Bundle.
- All 4 Apps work together to help you get in control of your finances. For example, you can log your income & expenses in this app against categories defined in the Home Budget Plan App; transactions logged in this app affect your budgets tracked by the Budgets-Expense Tracker App, etc.

Where does the money go? Buy 'Spending Log' and find out.

This app is a full-featured emulator of the TI BAII Plus financial calculator, developed specifically for CFA/FRM candidates and finance professionals. It replicates all functions of the original calculator with a clean, fast, and user-friendly interface.

- Identical functionality to the TI BAII Plus Professional (PB, DPB, DUR, MIRR)
- No ads, no in-app purchases
- Fast, reliable, and easy to use
- Ideal for finance and accounting students and professionals
- Optimal for CFA, FRM and CPA exam preparation
- Regularly tested and updated

Created and supported by a dedicated developer. For questions or feedback, please contact cfa.calculator@gmail.com.

The Timeshare+ app is a useful tool that helps users plan and manage their vacation ownership. With this app, users can easily calculate and compare the costs of different timeshare options, as well as create and track their budget for future vacations. The user-friendly interface allows for quick and accurate calculations, making it easy to make informed decisions about timeshare ownership. Whether you're a seasoned timeshare owner or considering purchasing a timeshare for the first time, this app is a valuable resource for planning and managing your vacation ownership.

Calculators

- Mortgage Loan with Monthly Cost

- Vacation Cost computed from Nights, Cost per Night, Years, and Inflation.

- Statistics : Computes Volume Per Guest (VPG), Closing Percentage and Average Sale Price from Net Volume, Tours and Sales closed.

This app features:

• Send your calculations or conversions by social media or email
• Universal App (iPhone and iPad)
• Retina Display graphics
• Fast app switching
• Automatically Saves Your Inputs
• Latest version of iOS is supported
• All iPhone screens are supported

No network connectivity required.

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

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

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

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

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

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

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

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

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

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

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

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/accounts/).

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

“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

Calculator thought from scratch! Calculate, comment and correct instantly.

What happens if you combine a standard calculator App, a classic desktop calculator and a note App ?

CalcTape brings you the best of these and even more.
It is your companion for all daily calculation needs and easily masters all scenarios you can imagine.
CalcTape is NOT a scientific calculator app, but do we need these in daily use ?

Ever did a long calculation with many figures and asked yourself:
"Did I enter the last figure correctly ?"
"The result looks strange somehow !"
With CalcTape you keep an overview, can check all figures and correct figures instantly inplace with
all subsequent results being adjusted automatically !
Missed a figure ? No problem: Just insert it in the right place easily by entering a new line.

You can place the cursor everywhere you like in the calculation: It's like a note where
you can change anything you like in any place with the advantage, that changing numbers
or operators updates your calculation immediately!

CalcTape can be considered an "Excel Lite with a calculator interface".

You can also keep the calculation for your records (documents) and create templates:
Replacing the figures in your template and getting the correct results is a breeze.
Commenting figures and results gives sense to your calculations, so you can understand
what you did when viewing the calculation a month later.
Customize CalcTape to your needs and place only those buttons on your keypad that you really
need everyday. Create your own functions to e.g. add a specific percent rate with a tap on
a single button.

CalcTape features:
- Save your calculations into files
- Create own functions or text snippets to be entered when pressing a button (long press a button to enter the Button screen)
- Create own keypad layouts (change assignment of all buttons except numbers and backspace / change button sizes)
- Select between different keypad layouts (the "function keypad" contains no numbers and is nearly completely customizable)
to get more buttons or other functions, 2 keypads are directly accessible in the main screen
- Share your calculations using standard iOS sharing capabilities, e.g. email
- Sync your calculations with iPhone, iPad, Mac and PC using iCloud Drive.
- Calculate TAX, VAT and other percent values easily
- Use CalcTape for budget, accounting and expense tracking in the office and at home, everyday.

CalcTape, more than a calculator.


FAQ:
- Start a new calculation on the same sheet by simply tapping the "=" key twice.
- Do a long tap on a button to assign another existing function or to create a user function for it.
- If you accidentally hit "AC" you can use "Undo" to get your calculation back.

Log expenses and stay on budget

You pay for Gem only once.
In-app purchases are for tips :)


BUDGET
- Daily, weekly, monthly and yearly
- Average spending, breakdown by category
- Compare against same day last month
- Rearrange your budgets, and other lists

ORGANIZE
- By category, budget, wallet, account, tag…
- Customize category colors & icons (500+ from Apple)
- Favorite accounts, custom sorting, merge categories
- Add attachments and receipts

BILLS
- Repeat: day, week, month, year
- View paid & upcoming subscriptions

MONEY TOOLS
- Savings goals, income, transfers, balance
- Multiple currencies, exchange rates
- Calculator & journal view

WALLET SYNC & AUTOMATIONS
- Instant recording when paying in store with Apple Pay (requires setup)
- Auto-organize expensesbased on merchant names
- App shortcuts and “Send to Gem” in share sheet
- Import CSV files, sub-categories, notes. Import into specific wallet
- Export everything

MORE
- Customize the way your create entries
- Widgets. Lock Screen shortcut
- Daily iCloud backup
- Daily reminders
- Custom themes, menu, app icon
- Insights in search results

PREVIEW FEATURES
May not work as expected :)
- Type “Rent” → it’s categorized in “Household”
- Keep track with your partner (beta)
- Detect receipt prices from attachments


Need help? Have a suggestion?
Email me at [human@shelftwo.com](mailto:human@shelftwo.com)

Terms & privacy: [shelftwo.com/gem/terms](http://shelftwo.com/gem/terms)