Money Watch – Personal Finance Blog

The UK's most trusted credit score* is available for free. Get free access to a wide range of our services, from credit score checks, credit card comparison & eligibility and personal loan comparison & eligibility.

Your Experian Credit Score is a straightforward way of showing how lenders may view your application. As part of a credit check, companies may look to see whether you’ve paid back your credit on time, how much credit you currently have and how you’re managing it. The better your credit score the better your chances are of getting a credit card, loan or even a mortgage, along with great rates for each.

Compare credit cards and loans with us. Let Experian help by showing you the credit cards and personal loans you’re most likely to be accepted for, helping you save hassle and avoid too many unsuccessful applications impacting your credit rating.

Experian is a credit broker not a lender†, so we show you impartial search results.

Free Experian account features:
• Your Experian Credit Score on the go
• Credit card and loan comparison
• Summary of your total credit
• See how likely you are to get accepted for personal loans and credit cards before applying
• Tips, articles, videos and expert knowledge to improve your suitability for credit checks at your fingertips
• Quick and easy login with Touch/Face ID or PIN

CreditExpert subscribers get access to these additional features:
• Personalised tips on how to improve your credit score
• Score Influencers show you what’s positively and negatively affecting your Experian Credit Score
• Get your Experian Credit Score & Report updated daily
• Alerts notify of you credit score changes
• UK call support for credit report & score
• Timeline shows you a single view of your score history and alerts
• Web monitoring
• Dedicated fraud support

Checking your Experian Credit Score regularly won't affect your credit report or credit rating. What's more, the app search covers a range of selected credit cards and loans.

*Most trusted’ based on 59% of 1086 respondents. ICM Unlimited survey, June 2018.

†Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison service shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

All free and paid for Experian consumer services are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not Financial Conduct Authority regulated activity.

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 60+ 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

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

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

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

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

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card right in the app. No credit check required.
Shop with your PayPal balance everywhere Mastercard® is accepted.
Earn 5% cash back on a category you choose each month*
 
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal.
A PayPal balance account is required to get the card.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*

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

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. 

TRACK YOUR PACKAGES
View your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.

PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right in the app.

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131

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, 3.55% 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 1% 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

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).
•Set up touch, voice or face ID for better security and send high value payments in-app, amend payment limits and more. Touch, voice and face ID are only available on selected devices. Optic ID is also available on Apple Vision Pro.

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 a 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.

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

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.

Hi, we're Zable. Download our app to join over 1 million of our credit card and loan customers.


Rated 'Excellent' On TrustPilot:


- Quick eligibility check: it won't affect your credit score

- Apply in minutes: simple, straightforward, paperless card and loan application

- Manage your money: credit card transactions, loan payments, and credit score

- Repay card in minutes: make card payments in the app

- Apple Pay: most approved customers are eligible for a virtual card immediately

- Credit score: see your Equifax score

- Credit that grows with you: we automatically review your account for credit limit increases and let you know when you're eligible

- No hidden card fees: at home or abroad

- Simple to use: manage your card or loan in the app


Zable Credit Card:


Track your credit, spending, score, and payments all in one place on our simple, easy-to-use app. Zable cards are available with Apple Pay, and most approved customers enjoy instant access to start spending right away.


Zable Loan:


The loan application process is paperless and fast – complete your application in our app and you could potentially receive your loan the same day. You can customise your loan amount and term, providing flexibility and control over your loan.


Credit Score:


Access your Equifax credit score for free, gaining valuable insights into your credit score history and the factors affecting your credit score and eligibility for a loan or card.


Zable Credit Card: Representative 48.9% APR (variable)

Zable Loan: Representative 32.5% APR (fixed)

Our loans involve fixed monthly payments over a set period, between one to five years. If you would like to change your repayment schedule or make early repayments for your personal loan, you can do so with ease (and without incurring a fee) via our app.

We're authorised and regulated by the Financial Conduct Authority as Lendable Ltd with reference 720261. Zable is a trading name of Lendable Ltd.

Here to help:

Reach our customer service team 7 days a week by email, phone, or text.


02033229128


contact@zable.co.uk


69-77 Paul Street

EC2A 4NW

“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

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

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

FEATURES:

Simple and Secure
- quick and easy expense/income entries: save your time
- password & backups of your data

Income and Expense Tracker
- split transactions: split one payment into multiple categories, keep it all organized
- search by amount, category, description, payee, cheque number, etc
- recurring expenses with custom periodicity
- calendar for scheduling bills and expenses for the whole year ahead
- notifications & alerts for bills due
- tracking expenses with family members and cross-platform syncing* (PLUS or GOLD subscription required)
- multiple profiles for organized tracking of personal and family finances
- attachment of receipt (or any other) photos: keep important bills captured

Budget Planner
- flexible structure of categories & subcategories with over 1,500 built-in icons
- custom periodicity: start your budget from any date
- visual indicators for budget spending
- transaction list for each category: access your bills with ease
- transferring the leftover of the previous budget period to the current one to limit your spending
- unique icons with your photos

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

Insightful Analytics
- eight different reports
- filter customization
- quick and easy date selection

Augmented Reality
- build three-dimensional charts right on your table with AR reports (GOLD subscription required)

Goals
- set your goals and achieve them
- visualize your goal progress with a trend chart
- four Goal types: Save money, Pay off debt, Reduce expenses, Increase income (GOLD subscription required for last three)

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

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

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

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

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

*See App Support for further details

Reached No.1 in UK Finance Charts on the App Store. Also featured on BBC Radio 4 & Sunday Times.

Unlike some free tax calculator apps, Tax Tool has all calculations and data built-in, so there's no need for an internet connection - use it anytime and anywhere, even if you don't have a signal!


SPECIAL FEATURES

• Perform Reverse Salary Calculations for working out your target salary from the take-home pay you need - useful for job interviews and pay rise negotiations

• View a pocket guide of key UK tax rates, limits and allowances, including Income Tax, National Insurance, Capital Gains Tax, Stamp Duty Land Tax and Pension Schemes

• Email your results, including a breakdown of the calculation, for sharing or backup purposes


CUSTOMER REVIEWS

"There's a reason for the high review scores posted for this app...it is an extremely well designed and thought out app."

"Brilliant app. Just saved me £160. Email and print give a very clear printed breakdown."

"This app is easy to use...I rarely write app reviews, but this one deserves all the praise it gets..."

"Outstanding - one of the best personal finance apps available."


OVERVIEW

Tax Tool is designed for UK taxpayers in paid employment, using the Pay-As-You-Earn (PAYE) system of automatic tax deduction.

The app was inspired by the quality of Apple's own apps. It was designed to be comprehensive, but also to be very easy to use and input information, with immediate results.

Choose to enter as much or as little as you want: accuracy is improved if you enter more information and if you enter your Tax Code, but it still gives a useful rough guide if you enter none of these.

A key feature is that it can perform reverse salary calculations. You can enter your desired take-home pay (what you need to receive, after payroll taxes are deducted, to cover your everyday lifestyle) and Tax Tool will instantly work out the salary needed to achieve that target. You can easily flip between these to work out net pay from gross salary or vice-versa.

The app also performs UK VAT calculations, and contains a handy reference for UK tax rates, limits and allowances.

Quick and simple: this is not designed to be a replacement for a full tax return (it doesn’t ask for full details on all your financial affairs), but it does provide a quick and useful estimate of the amount you will receive in your pay packet as an employee.


ADDITIONAL FEATURES

• Instant calculations as you type
• Doesn't need an Internet connection
• Shows a detailed breakdown of the calculations, including Income Tax paid at each band
• Flexible periods: enter and view results annually, monthly, four weekly, fortnightly, weekly, daily or hourly
• Calculates your National Insurance contributions, as well as your employer's
• Includes a VAT calculator, with Reverse function
• Calculates PAYE tax for tax years 2025/26, 2024/25, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 17 & iOS 18.

Optional Settings available:
• Scottish tax (SRIT) - all extra bands from 2018 onwards
• Tax Codes - recognises L, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes, plus Scottish S and Welsh C versions
• Contributions to company pensions (as a percentage or fixed amount). Also supports salary sacrifice pensions and contributions taken from net pay
• Childcare Vouchers
• Student Loan repayments (Plan 1 and Plan 2 schemes supported)
• Overtime and Bonuses (basic support for percentage or fixed annual amounts)
• Tax deductions
• Benefits-in-kind
• Contributions to charities
• Salary sacrifice (three types)
• Regular deductions from net pay
• Marriage Allowance transfers
• High Income Child Benefit Charge estimation
• Ability to switch off National Insurance calculations if State Pension Age reached.

*** 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

Now available in mobile [iPhone/iPad] and desktop versions [Mac OS, Windows], including instant data sync between mobile/desktop versions. (Separate purchase required for each OS platform).

A lite version of HomeBudget is available under the free applications category. Give it a try.

Contact support@anishu.com, if you need help. We have no way of contacting you if you post an issue as a review.
--

HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs. Two key differentiating features of HomeBudget are:

1. Integrated set of features. The features within HomeBudget are well integrated such that a bill can become an expense (when you pay for it) and also adjust the account balance at the same time.

2. Family sync. HomeBudget includes Family Sync, an advanced feature that allows a group of devices within the household to exchange expense and income information, and work together within a single budget. Once setup, the devices sync with each other automatically over the air. Family Sync works across all features including Bills and Accounts. Please refer to the Family Sync Quick Start guide at http://www.anishu.com for information on configuring Family Sync.

KEY FEATURES:

Expenses:
- Create/Edit/Delete expenses and recurring expenses
- Browse expense entries by month, by category/date with the ability to drill-down
- Optionally associate an account and payee with an expense
- Attach photo images of receipts; drag and resize images on screen
- Support for multiple currencies and automatic exchange rate conversion
- Search expense entries

Income:
- Create/Edit/Delete income and recurring income
- Optionally associate an account with the income

Bills
- Create/Edit/Delete bills and recurring bills
- Support for Payees, and track payments by Payee.
- Make payment on bills either an as expense or as a transfer (to avoid double accounting your expenses)
- Calendar and list view of Bills
- Bill reminders

Categories and Budget
- Create/Edit/Delete expense categories and sub-categories
- Set a budget, and track expenses at the category/sub-category level.
- Associate icons with the categories and reorder category display order
- Budget rollover
- Classify expenses into fixed, variable and discretionary and compute your disposable income

Accounts
- Support for Accounts such as Checking, Savings, Credit, Debit, Cash, etc.
- Associate your expense and income entries with your accounts and accurately track account balances.
- View transactions, and do transfer between accounts.
- Ability to choose a different base currency for each account

Reports
- Trend chart for Expense, Budget and Income for the last 6 months
- Pie/Bar charts for expense break-down (Available in the Expenses screen).
- Export data/reports by email or via WiFi

Family Sync
- Automatically sync multiple devices (iPhone, iPad, iTouch) in the household and see the same numbers on all devices over 3G and WiFi
- Work within the same budget with other members of the household

Other
- Backup/Restore complete application data, including all receipts
- Ability to upload your own list of category icons
- Large numeric keypad for expense/income amount entry
- HomeBudget follows the locale/region setting on your device and shows date and currency symbols appropriate for your region

Visit http://www.anishu.com to see more screenshots, and to download the user guide (PDF, 42 pages).

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

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

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

金十数据致力于成为国内专业的财经新闻软件和交易工具。提供全球7x24小时财经资讯，实时推送外汇、期货、A股、原油、贵金属、黄金、美股港股等财经快讯与行情报价，助力投资者更快更准地进行交易。
【财经快讯】
专属推送：自定义订阅内容，推送专属财经新闻快讯；
快讯分类：增加外汇、黄金、原油、美港股、A股股票和期货等快讯分类；
速度更快：坚守7x24小时财经快讯，致力于提供更快更全的金融市场消息。
【市场参考】
分类更精：为您分类鱼龙混杂的新闻，更贴近交易者的需求。
内容更优：金融市场一线头条新闻，深度优质财经好文，专业独家财经视频节目。
【行情走势】
新增商品外汇、A股与期货分类，交易品种覆盖更全！加入自选快速浏览所关注的品种。
【财经日历】
罗列每日重点财经数据或事件，开启定时提醒，重点交易行情不容错过。
【数据中心】
全球重要财经数据报告，新增自定义订阅报告功能，全新图表样式简洁清晰。
【视频栏目】
包括《伦敦交易者》《脱水期货》《海外交易员观点》《一杭说数据》《交易学院》等财经深度分析栏目，也有《嗨指数天团》《进击吧女神》《老板说的对》《数据可视化》等有趣好玩的泛财经视频栏目。
【其他】
金十数据在今日头条、新浪财经、一点资讯、搜狐新闻、网易新闻、腾讯新闻、UC新闻、百度新闻等热门新闻平台已有成熟的媒体号，每天同步更新优质原创财经新闻，捕捉新消息大事件，多渠道提供更全的财经资讯。
【联系我们】
微信公众号：金十数据
新浪微博：金十数据——https://weibo.com/igoldman
客服电话：020-89635666
客服QQ：800185710

SnapKoin: Your Faster, safer, Minimalist Expense Tracker

No accounts, no servers—just a seamless experience on your device. With no personal data stored or transmitted, your privacy is guaranteed. Enjoy a clean, intuitive interface that gets the job done quickly.

Take control of your finances with SnapKoin, the ultimate expense tracker for iOS. Designed for simplicity and speed, SnapKoin lets you record expenses in just 3 seconds using a one-click shortcut. Say goodbye to complicated bookkeeping—this budget app offers a sleek, minimalist interface perfect for casual money management.

Key Features:

-Lightning-Fast Tracking: Add expenses instantly with a system-level shortcut.
-Customizable Categories: Use a two-tier system to tag bills and analyze spending with multi-level stats.
-Real-Time Insights: Stay updated with a desktop widget and interactive charts (day/month/year views).
-Minimalist Design: Enjoy visualized ring charts and a clutter-free experience tailored to iOS.

Whether you’re budgeting, tracking spending habits, or simplifying finance, SnapKoin redefines lightweight accounting. Download now and master your money with ease!
Terms of Use: https://jiangsanjie.github.io/doc/snapkoin/term

Whether you're a business or leisure traveler, hopping from country to country is a breeze when you have Currency+ in your hands!  This Universal currency conversion application for the iPad/iPhone/iPod Touch shows you what you're paying instantly and is easy to use even when you have jet lag.

KEY FEATURES:
- Currency Calculator
- Apple Watch Support
- Today Widget
- Support For Over 150 World Currencies, Precious Metals & Bitcoin
- Historical Charts
- Trend Analysis
- Background Rate Updates & Currency Alerts
- Editable Calculator Tape
- Inverse Currency Calculations
- Transaction Fees or Taxes
- 100% Ad Free

What Makes Currency+ stand out from other Currency Apps?

Currency Calculator
When you are traveling in a different country, most of the time your focus will be on converting the local currency back to your home currency. The built in calculator lets you focus on two selected currencies on one screen. The built in calculator remains on the screen at all times making data entry quick and easy.

Apple Watch
Use Currency+ on the Apple Watch. See your favorites currency list and your Currency Alerts directly on the watch.

Today Widget
Use the Today Widget to quickly see the conversion rates between all your favorite currencies. Tap the rate to reverse the conversion. Tap any of the currencies on the list to set as the base currency.

Support For Over 150 World Currencies & Precious Metals
For times where you want to keep track of many currencies at one time, the favorites list is where you need to go. You pick from over150 world currencies and precious metals (powered by Yahoo.com). Selecting any currency in your list, enter a value and the rest of the currencies in your list will show you that amount in their own currency in real time.

Historical Charts
Currency+ has historical charts. You can view historical currency conversion charts for any two currencies. Touch the chart with a single finger to see data from any period in the past. Touch the chart with two fingers to compare currency exchange rates from any two past periods. Show charts for 1 day (real time intraday), 5day, 3 month, 6 month, 1 year, 2 years and 5 years.

Currency Trends
With Trends, you can select any of the 150+ world currencies and compare it to a list of other currencies to see how it has performed over time. See if your currency has strengthened or weakened. Select your time period from days to years. Export your work to an email, text, note, etc using the trend share sheet.

Background Rate Updates & Currency Alerts
Currency+ will go out and update your currency rates without taking your device out of your pocket. Whenever you open Currency+, your data will always be up to date. Do you want to be notified when a currency goes above or below a certain value? If so, Currency+ can notify you of these changes without the need to open the app. You will receive a push notification on your device whenever the currency you are watching goes beyond the limit you set.

Editable Calculator Tape
Currency+ has an integrated calculator tape that keeps track of everything that you do. You can send any value from the tap to any of your favorite currencies. You can edit/delete/insert tape values and your calculations will automatically update. Finally, you can put comments on any of your tape values to help you keep track of what your numbers stand for.

Inverse Currency Calculations
Need to do inverse or reverse currency calculations? Currency+ can switch between standard and inverse currency conversion modes on the fly.

Transaction Fees or Taxes
Currency+ can factor in transaction fees (or tax) automatically. Individuals rarely convert money at published exchange rates - most banks and exchange offices charge a fee. Enter the transaction fee percentage to give you a better estimate of your 'real' conversion rates.

Make the leap with Jump Gap Software's Currency+, the currency converter that takes you around the world and back.

Featured as Best Finance / Productivity / Lifestyle App

Spentable Features:
- A super easy to use tracking experience: choose a category and input the amount.
- A monthly expense chart gives you a glimpse of your monthly spending habits.
- Dozens of predefined categories OR create your own categories with Emoji Icons!
- Adjust the order of the categories in a way that suits your needs.
- Support us and get the following features as well!
- The Apple Watch OS App.
- The Notification Center Widget.
- Keep track of unlimited expense data.
- Great future updates!

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"Once upon a time, there was a kid named Steven. Steven graduated from a local university, and applied for a local job. He worked really hard at his job, and made an honest living.

However, Steven didn’t know how to manage his spending. Every month he would spend and spend and eventually his income would run out, without saving a dime.

“I want to save more money!” He thought to himself. So he set out to turn his financial life around.

To his luck, he found an app called Spentable. An app that allowed him to use the notification center to quickly add expenses to a predefined category. No typing, just choose a category, input a number, and press enter, all from the notification center.

Steven soon saved up enough money to get himself an Apple Watch, which he used to enter his expenses through the Apple Watch Spentable app. He simply lifted his wrist, and in one single tap, he was in. His phone never left his pocket.

Steven went on to get a car, buy a house and marry the guy of his dreams, all thanks to Spentable.

Get Spentable. Get the love of your life.