Money Watch – Personal Finance Blog

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

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

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

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

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

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

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

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

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

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

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

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

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

MAKE YOUR MONEY MORE MONZO

Images and description are relevant for the UK only.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Join the 75+ million customers worldwide who use our app to spend, send, and save smarter.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 3.8% on GBP, 2.2% on EUR, 3.30% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

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

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

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


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


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


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


Trading 212 is the following companies:

Trading 212 UK Ltd. authorised and regulated by the Financial Conduct Authority (Register number 609146).
Trading 212 Markets Ltd. authorised and regulated by the CySEC, Cyprus (Register number 398/21).
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

Join over 6 million of our customers who are using the Nationwide banking app for their everyday banking needs. It’s simple to get started.

# I’ve never used the app before. How do I start? #
Download the Nationwide banking app and follow the instructions on screen, you’ll need your Nationwide account details or customer number.
You can log in with Face ID, Touch ID or passnumber if your device allows.
Once you have set up biometrics on your account, you will be able to confirm new payments with Face ID or Touch ID. We will ask you to take a selfie. We might still need to verify your identity using your card reader, so please keep it somewhere safe just in case.

# 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 and 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 and statements; savings, loans, mortgages, credit cards and current accounts.
• Browse our product offerings, and open new accounts.
• Customise your banking app home screen. You can choose slimmer account tiles to see more on your screen.
• Manage your payments – set up, cancel and amend standing orders in the app. You can cancel Direct Debits too.
• Authenticate transactions in the internet bank and when shopping online.
• Report lost, stolen or damaged cards. You can also freeze / unfreeze your debit card.
• Add your cards to Apple Pay.
• Download copies of your monthly statements for some accounts.
• Search for or scan transactions at a glance. The app shows you pending transactions and includes easy identifiers such as brand logos and the organisation’s location and contact details.
• Set savings goals and your own contactless payment limits. You can also turn off contactless payments.
• Round up your spending and save the extra directly into your savings account.
• If you ever find gambling becomes a problem for you, use the app to set a gambling block.
• Personalise your settings to update your personal details, get text alerts and go paperless.

At Moneybox, we want to give everyone the means to get more out of life.

• Open a competitive Cash ISA
• Save for your first home with our market-leading Lifetime ISA
• Start investing in our range of funds, ETFs, and stocks
• Find and combine old pensions and build your retirement fund

All with an award-winning app used by over 1 million people across the UK.


Capital at risk. Investing should be long term. The value of your investments can go up and down, and you may get back less than you invest. A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA. Tax treatment depends on individual circumstances and may be subject to change in the future.

Choose from our range of award-winning accounts:

• Cash ISAs
• Lifetime ISA
• Stocks and Shares ISA
• General Investment Account
• Junior ISA
• Personal Pension
• Savings accounts

Buy your first home with our market-leading Lifetime ISA:

• Save up to £4,000 a year and get a 25% government bonus of up to £1,000 free every year
• Get free Mortgage Advice
• Browse 90+ lenders and find a mortgage that’s right for you

*Government early withdrawal charge may apply to the Lifetime ISA. ISA and tax rules apply. Moneybox Mortgage Advice is provided by Moneybox Mortgages Ltd. Your home may be repossessed if you do not keep up your mortgage repayments.


Choose one of our two Cash ISAs and make the most of your £20,000 annual ISA tax-free allowance:


• Get our top-paying rate while making up to three withdrawals every 12 months with our Cash ISA
• Earn a competitive rate and enjoy unlimited withdrawals with our Open Access Cash ISA.

ISA and tax rules apply.

Plan for your future with helpful tools:

• Learn how a Lifetime ISA could boost your savings with our Deposit Calculator
• See how your contributions can add up over time with our ISA Time Machine.

Set up automations and build healthy habits:

• Automate your regular deposits and boosts on payday
• Round up your spending to the nearest pound
• Save or your invest spare change

Build your long-term wealth with a Moneybox Stocks & Shares ISA

• Start investing from as little as just £1
• Choose from our three expertly-curated starting options: Cautious, Balanced or Adventurous
• Own shares in top US stocks

Capital at risk. ISA and tax rules apply.

Build a retirement fund worth waiting for:

• Track down and combine your old workplace pensions with our free provider search tool
• Get 25% tax relief from the government on contributions to your Personal Pension

You can only access your pension once you reach the minimum pension age. Check T&Cs for transfer eligibility. Consider the product charges and benefits, and whether the profile of the investments offered matches your needs. Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.

Moneybox is a registered trade mark of Digital Moneybox Limited. Digital Moneybox Limited is authorised and regulated by the Financial Conduct Authority, no. 712935 (and no. 792703 for payment services activities), registered in England and Wales, no. 09597755.

Trusted and transparent:

• Your savings and investments are protected by the Financial Services Compensation Scheme. For more information, please see the FSCS Protection page on the Moneybox website.
• For our investment products, we charge £1 a month (subscription fee) and 0.45% of the value of your investments per year. There are fund provider costs on top of this - see in-app for detail. To help you get started, we do not charge the subscription fee for the first three months
• There are no account fees for our Cash Lifetime ISA or Savings Accounts
• We use bank-level 256-bit encryption for all your personal information
• Registered address: Moneybox 1-2 Hatfields, London SE1 9PG

Get started - Download Moneybox today.

Join over 11 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?

Manage your money easily and securely:
•Apply for current, savings, child, teen, Premier, and student accounts quickly. Eligibility criteria apply.
•See all your bank accounts straight from your Home screen.
•Freeze and unfreeze your card at any time (Mastercard only).
•Use Pots to set money aside from your main account for everyday needs and to stay in control of your spending.
•Set up fingerprint, voice or facial recognition for better security and to send high value payments in-app, amend payment limits and more. Fingerprint, voice or facial recognition are only available on selected devices.

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

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

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

Important info:

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

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

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

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

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).

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

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

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

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

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

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

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

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

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

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

Expense claims don’t need to be complicated.

ForcesClaims is a simple, secure app designed to help service personnel track expenses, manage receipts, and stay on top of allowances during events, exercises, and deployments.
Whether you’re submitting a single claim or managing multiple events, ForcesClaims keeps everything organised in one place.

Key features
• Create events and track claim limits
• Scan or upload receipts using your camera or photo library
• Automatically extract totals from receipts using AI
• Track daily and remaining allowance amounts. No matter what country you are in, ForcesClaims can tell you what the daily allowance is according to JSP 752.
• Organise claims by status (draft, submitted, paid)
• Secure, on-device storage — your data stays on your phone
• Track Motor Mileage Allowance (MMA) claims and create a log of business miles to evidence your HMRC tax claim at the end of the tax year.
Designed with real workflows in mind
ForcesClaims is built around how expense claims actually work, helping you avoid lost receipts, missed limits, and unnecessary admin.

Privacy first: All data is stored locally on your device. ForcesClaims does not require an account and does not share your data with third parties.

ForcesClaims is an independent app and is not affiliated with or endorsed by the Ministry of Defence.

mySubTracker - Smart Subscription Manager with AI

Take control of your subscriptions with the power of on-device AI. mySubTracker helps you track every subscription, visualize your spending, and make smarter decisions about what to keep — all without your data ever leaving your device.

Features:

• AI Subscription Advisor — Powered by CoreML with 88% accuracy, our on-device AI analyzes your usage patterns and proactively recommends which subscriptions to cancel, saving you money without compromising your privacy.

• Track All Subscriptions — Manage every streaming service, app, gym membership, and SaaS tool in one beautiful dashboard.

• Beautiful Charts & Cost Breakdown — See exactly where your money goes with interactive charts and detailed monthly, quarterly, and annual breakdowns.

• Renewal Reminders — Never get caught off-guard by an unexpected charge. Get timely notifications before each renewal.

• Home Screen & Lock Screen Widgets — Monitor your monthly spend at a glance, right from your home or lock screen.

• 20+ Preset Templates — Add popular services instantly with one tap from our growing library of templates.

• Multi-Currency Support — Track subscriptions in any currency with per-currency totals and automatic grouping.

• Privacy-First — All your data is stored locally on your device. No account required, no data sent to any server.

• 10 Languages — Available in English, Chinese, Japanese, Korean, Spanish, French, German, Portuguese, Russian, and Arabic.

Download mySubTracker today and finally see what you're actually paying for.

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

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

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

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

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

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

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

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

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


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


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


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


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

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

Look no further, you have found the best Financial Calculator app available.

In-App Purchase: 10bii+ Features (Bonds, Breakeven, Depreciation, Trig, Probabilities) available!

5 Stars: "What is the PV of WOW? I'm sure thrilled with everything about this app! Too bad there isn't room for another star!" - Pokey

5 Stars: "This tool is excellent. It's downright marvelous! I would recommend it to any financial advisor without reservation." -John L Olsen, CLU, ChFC, AEP

5 Stars: "Awesome Financial Calculator! I use it all the time and love it!" - Tinahart2

5 Stars: "Great customer service along with the app's ease of use made this purchase a no brainer." - HarborDan

5 Stars: "I am a full-time investor in real estate and notes. This has become my "go to" app on my iPad. [It does a] wonderful job in integrating visual tools to illustrate financial cash flows. A++++" - Sanjosee

Highlights:
- Displays current N, I/YR, PV, PMT and FV values right above buttons
- Print or Save PDF Amortization Schedules
- Easily enter your Uneven Cashflows in a spreadsheet-like worksheet
- Video Tutorials in Help section
- Draws Cashflow Diagrams for simple TVM or complex Uneven Cashflows
- Saves Recent calculations so you can easily reload them
- Easy Mode allows everyone to get the financial answers you need!

Finally a Financial Calculator for everyone! Whether you are a seasoned investor or you just have questions about paying off your credit card, refinancing your home, or planning your 401(k) contributions, the 10bii Financial Calculator has the answers to YOUR financial questions!

The 10bii Financial Calculator is a versatile and powerful financial calculator which features more than 105 different functions for financial analysis, business, statistics, and general mathematics. Modeled after the extremely popular HP 10bII Financial Calculator, the 10bii Financial Calculator app combines precise mathematics, intuitive display, and ease-of-use in one compact package. It allows you to easily calculate loan payments, interest rates, amortization, time value of money, investment value, and more using a combination of powerful and intuitive equation-writing functionality and helpful worksheets. The 10bii Financial Calculator's keypad has been specially designed to be easy to use and easy to see.

By expanding on HP's traditional presentation, the 10bii Financial Calculator allows quick and intuitive building and visualization of TVM (Time Value of Money) calculations and Uneven Cash Flows, lets you see the stored values of all of your memory registers in one easy view, graphs your statistical series, and lets you type in whole equations for easy review and one-touch evaluation.

With the 10bii Financial Calculator, you can:

Get answers to common financial questions WITHOUT having to know how to use a financial calculator! With the 10bii Financial Calculator's Easy Modes, answer a few simple questions worded in plain language (rather than Financial-ese) and find out just how much you'll save with that refi, how much you'll have at retirement, how long it'll take you to save up for that big purchase and more. Now with 12 Easy Modes!

Easily enter and see diagrams for Cash Flows, including rapid calculation of Net Present Value and Internal Rate of Return. A dedicated interface makes adding, editing, deleting, and reordering uneven cash flows a breeze.

Enter and analyze statistical data points, and see graphs based upon the values you enter. Includes standard calculations such as standard deviation, mean, and linear regression forecasting.

Never has using a financial calculator been so easy or intuitive. The 10bii Financial Calculator is powerful enough for the professional but accessible enough for everyone. It is an ideal tool for teaching the power of compounding interest, analyzing potential deals or business ventures, or just doing math problems, and sharing the results of your work with others.

Currency Strength Meter for Forex traders. Find better trade setups with real-time currency strength data. Quickly scan the market using multiple timeframes, bar and line charts.

Fast, accurate strength data helps you time entries and exits more effectively.

What is Currency Strength?

Currency strength is a popular Forex trading indicator that helps you understand price movements by comparing the strength of individual currencies.

Strength is calculated across 8 major currencies (USD, EUR, GBP, JPY, AUD, NZD, CHF, CAD) and reported on a scale from 0 (weakest) to 10 (strongest).

This lets you quickly identify which currencies are strongest and weakest, and whether a move in a Forex pair is driven by strength or weakness in one of the currencies.

Key Features:

– Fast, real-time streaming currency strength data
– 8 major currencies: USD, EUR, JPY, GBP, AUD, NZD, CHF, CAD
– 4 included timeframes: H4, D1, W1, M1
– Optional Data Booster Pack adds M15 and H1
– Bar and line charts with zoom and historical view
– Max/min highlighting in real time
– Adjustable time zone to match your trading platform
– Multiple color options and full Dark Mode support
– Built-in Help / User Guide
– In-app support contact


Privacy Policy: https://www.currencystrengthmeter.net/privacy/
Terms of Use: https://www.currencystrengthmeter.net/terms/

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.

Deposit is a new and the most advanced compound interest calculator with a unique way of quickly entering and adjusting values. The app has been designed to evaluate bank deposits. It makes compound interest calculations with different compounding periods, contributions, withdrawals and inflation quick and easy.

Features:

- Daily, weekly, biweekly, monthly, bimonthly, quarterly, bi-annual or yearly contributions or withdrawals.

- Daily, weekly, biweekly, monthly, bimonthly, quarterly, bi-annual or yearly compounding.

- Allows taking inflation into consideration.

- Supports large sums.

- Sending of detailed calculation and results table to your email or printer.

- On-the-fly saving of calculation results. Favorites support.

The app is translated into 21 languages, it supports all recent models of mobile phones and tablets.

Learn how to retire strategically with a portfolio of the S&P 500 stocks.
This app gives the retired individual who wishes to hold a mix of short term treasury bonds and an ETF which mimics the S&P 500* the ability to assess the size of their final estate based on four factors:

● Value of his starting portfolio
● Percentage held in money market funds
● Yearly expense requirements
● Years of life remaining
● Effective tax rates

Vary any or all factors dynamically and determine the financial results and the associated risk.

Simulate retiring in prior time periods given your current financial strategy.

The app will simulate a retirement based on your inputs and on historical S&P growth rates and inflation rates to estimate a range of possible outcomes. The series of retirement outcomes are generated from 1910 to the present in one year increments.

The results are shown in simple and easy to understand graphical and numeric form.

*Warren Buffett in his 2013 letter to stockholders recommended just such a portfolio for the average individual because of its low expense ratio and performance superior to most professional money managers.

BalanceTrackr is a simple and private app to manage your finances, free from ads, paywalls and subscriptions. No login or bank connection required.

Add personal and shared accounts from as many banks as you like. Track balances, transactions, loans, and credit cards with clear overviews and intuitive graphs.

Most features are manual to give you full control, but optional smart features like automatic logging with Apple Pay are available to simplify your workflow.

Ideal for those tired of Excel, seeking an easier alternative for personal finance management.

Features:
• Total balance overview
• Countdown to next payday
• Manual entry of accounts, transactions, loans, and credit cards
• Recurring transactions for fixed expenses
• Account balance graphs and history
• Currency and payday customization
• Loan calculator for annuity and serial loans
• Face ID/Touch ID support via iOS settings
• Automatic logging with Apple Pay: Log transactions automatically in the background when you pay with Apple Pay – no need to open the app.
• Receipts for transactions: Add receipts from camera, photo library, or PDF directly to your transactions
• Currency calculator: Instantly convert between currencies
• Spending breakdown: See how much you spend by category
• Widgets! Track the countdown to payday or see the balance of 1 to 3 accounts – right from your home screen.
• Multiple types of notifications (optional):
- Get notified when a shortcut (e.g., Apple Pay transaction) is logged, or
- when an account balance falls below a chosen amount, or
- about upcoming transactions you have planned, or
- when it’s time to pay a loan.
• Set and track your progress toward your financial goals with the savings feature
• Payday integration – track your savings since your last payday
• Payday history: See how much you’ve saved or spent since your last payday – over time.
• Budgeting: Set monthly spending limits per category to gain better control of your expenses.
• PDF Reports: Generate PDFs with an overview of your finances – choose between financial report, account report, debt report, or category report.
• Choose your own background color for a more personal app experience
• Multi-currency support. Choose a main currency and set different currencies per account
• Smart note suggestions. Get helpful suggestions based on your past transaction notes

The loan calculator provides a clear repayment plan with monthly and annual details. Figures may differ slightly from your bank, but offer a good estimate without needing to log in.

Activate security with Face ID or Touch ID by holding the app icon and selecting "Require Face ID" or "Require Touch ID".

Silver Stacker Wallet — Now with Live Spot Price Refresh

Built by a silver stacker for silver stackers, Silver Stacker Wallet is the must-have app for anyone who buys, holds, or trades physical silver. Know exactly what your stack weighs and what it is worth — instantly, accurately, and with or without an internet connection.

Version 2.0 is the biggest update yet. You can now tap Refresh Price to instantly load the live silver spot price directly from our secure backend feed. The price card updates in real time, with a green or red arrow showing exactly how much the price has moved since your last refresh. And when you're offline — at a coin show, on a plane, or anywhere else — everything still works exactly as before. Your wallet, your prices, your totals. No connection required.

What Makes It Different
Unlike generic finance apps, Silver Stacker Wallet is built specifically for physical silver. Add any coin, bar or round by name, purity, and silver content weight. Whether you stack American Silver Eagles, Morgan Dollars, constitutional silver, kilo bars, or custom bullion, if it contains silver this app tracks it.

How It Works
Tap Refresh Price to load the current silver spot price from our live feed, or use the precision odometer-style scroll wheels to set any price you want manually — perfect for dealer premiums, melt value negotiations, or working offline. Then build your wallet by adding each piece you own. The app instantly calculates your total silver weight in troy ounces and your total stack value at the spot price you set.

Key Features
• Live spot price refresh — tap Refresh Price to instantly load the current silver spot price from our secure feed
• Price change arrow — green or red arrow shows the dollar change since your last price update
• Works 100% offline — full wallet tracking, manual price entry, and all calculations work without any internet connection
• Set Price Manually — use the odometer wheels anytime to dial in an exact price for premiums, melt value, or barter scenarios
• Add any coin, bar or round by name, purity, and silver content weight
• Enter weight in troy oz or grams — all totals automatically converted to troy oz
• Precision odometer scroll wheels for spot price entry up to $9,999.99
• Live total silver weight and stack value always visible
• Adjust quantities anytime with stepper controls
• Swipe left to edit or delete any item
• Drag to reorder your wallet list
• No ads, no subscriptions, no accounts

Built for Real World Use
Whether you are at a coin show, a pawn shop, or negotiating a private trade, Silver Stacker Wallet gives you the numbers you need in seconds. Tap Refresh Price for the live market rate, or set any price you want manually. No guesswork. No delays.

Your Data Stays on Your Device
All your stack data is stored locally on your device only. The only time Silver Stacker Wallet connects to the internet is when you explicitly tap Refresh Price. Nothing else is ever collected, transmitted, or shared.

Stack smarter. Track better. Trade confidently.

Visit us at janeric-arts.com/silver-stacker-wallet