Money Watch – Personal Finance Blog

Welcome to your brand new HSBC UK Mobile Banking app!

Designed especially for our UK customers, the app has been rebuilt to be fast, secure and will get more new features, more often.

Manage your money on the go with HSBC. You can also now pay someone new using the app. • Everyday banking made simple • Your accounts at a glance • Pay someone new on the go • Fast and secure logon • Send money safely from anywhere.

If you have HSBC accounts outside of the UK, please also download the HSBC Mobile Banking app to manage your global accounts.

HSBC is committed to providing digital applications that are accessible to all its customers. We take this responsibility very seriously; accessibility will continue to be a major consideration as we develop the app, and improvements will be delivered in future updates.

Description
TAP INTO YOUR MONEY
Send money or pay online to almost anywhere in the world in just seconds. Manage all the ways you send, receive, and spend money at a glance – download the PayPal payment app today.

SEND MONEY IN SECONDS
Transfer money to PayPal account holders in over 100 countries using just their email address or mobile number. When the money arrives in their account (usually in seconds), they can spend the money online or withdraw it with just a tap. And it’s completely free when you send money to friends in the US from your bank account or PayPal balance.

GET PAID WITH EASE
Send a request for money that allows people to pay you back with just a tap. Whether you’re collecting money for a group gift or something you sold online, PayPal mobile app makes it easy for them and even easier for you.

STAY ON TOP OF IT ALL
Whenever you send, receive, and spend money with PayPal, the app sends an instant notification to help you keep track of it all. Whether you use PayPal Credit, your balance, your bank, or your debit and credit cards to pay with PayPal - you can find everything and anything you need to simply manage it all in this secure payment app.

Barclays Mobile Banking app



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

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

After you’re set up, you’ll only need your 5-digit passcode to log in.

THE BENEFITS
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It’ll take up to 10 days for this feature to be activated in the app while we complete some security checks,
• Call us straight from the app to speak to an adviser
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

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

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

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

Copyright © Barclays 2018. Barclays is a registered trade mark of Barclays plc, used under licence.

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

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

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

Our simple but secure app includes many features designed to help you manage your finances – whether you’re checking your balance or making international payments.

Our app is available to Online Banking customers with a UK or international mobile number in specific countries.

Once downloaded, registering is simple. All you need is your Online Banking Customer Number, as well as your PIN and password. If you’ve forgotten any of these details, visit natwest.com/online to get a reminder.

Key Features
•Log in using Touch ID or Face ID – there’s no need to remember any details when logging in. Available on a compatible iPhone or iPad.
•Personalised greeting – customise how your app greets you when you log in, morning, day or night.
•Get Cash – visit a cash machine and withdraw up to £130 without your debit card – perfect if you’ve forgotten your wallet.
•Pay someone new without a card reader – all you need is their account number and sort code. Choose how much you want to pay, and choose when it is sent.
•Manage receipts – designed specifically for our Business customers, capture images of your receipts and organise them by date or type.

What you need to register
•You’ll need to be registered for Online Banking
•Your Customer Number, which is your date of birth followed by four random digits
•Your Online Banking PIN and password, which is what you use to log in online
•When logging in for the first time you’ll be asked to create a mobile banking passcode, which is what you’ll use in the future

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

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

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

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

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

- Log on quickly and securely with Touch ID*, Face ID** or a 3-character combination from your memorable information
- Check your balances and pending payments
- Get more information on individual transactions
- Transfer money between accounts, and make UK and international payments
- Pay your loan or credit card bill
- Apply for loans, savings, cards and more
- Easily report lost or stolen cards and order replacements
- Reset your Internet Banking password
- Update the phone number and email we have for you
- Call us quickly and safely from the app – we’ll already know it’s you so can connect you without the usual security checks.

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

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

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

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

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

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

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

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

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

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

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

It’s also been given a WCAG 2.0 AA rating by the accessibility auditors. Which in plain English means we’re doing a bit extra for our customers with disabilities too.

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

A FEW EXTRAS
- Cards lost or stolen? Panic over: just cancel and replace them with the app.
- Earn as you spend with Cashback Extras.
- Apply for loans, savings, cards and more
- Call us quickly and safely from the app – we’ll already know it’s you so can connect you without the usual security checks.

STAY SAFE
- Reset your Online Banking password
- Update the phone number and email address we have for you.

GETTING STARTED
New to this app? You’ll need to set it up by registering your device first. You’ll need:
- An up-to-date phone number registered with us
- Halifax UK personal account
- Online Banking username, password and memorable information (you can create these in the app).

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

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

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

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

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

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

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

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

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

Stay in control of your finances at your convenience with our handy Mobile Banking app. To get started, all you need are your existing Internet Bank details. If you’re not already registered, it won't take long - you can do this via our website.

**Features**

Manage your money
• Set up and pay a new payee*
• See pending transactions for your current account(s)
• Report your debit card as lost or stolen
• Complete a balance transfer to your Nationwide credit card*
• Log in with Touch ID or Face ID** – Fast, simple & secure access to your accounts
• Transaction history – View the last 15 months' activity on your Current, Credit Card and Savings accounts plus 24 months of your mortgage payments
• Search transactions – Helps you track down a particular payment quickly and easily
• Payments and transfers – Send money to existing payees, now or on a future date
• Manage payments – View and cancel regular payments/Direct Debits
• Pay a contact using their mobile number – Send and receive money via Paym with just a mobile number
• Cash flow bars – Your monthly spending habits made simple and visual
• Quick Balance – See your balance without the need to log in
• Apple Watch compatible – Check your balances with just a flick of your wrist
• View your customer number and the contact details we have on file for you

Become a super saver
• Create Savings Goals – Stay motivated (and on track) as you watch your savings grow
• Impulse Saver – Quickly save without logging in, making it even easier to put some money away for a rainy day
• Your savings interest rate – See what you're getting back for what you’re putting away

Customise your accounts from your device
• Increase or decrease your credit card limit
• Text alerts and paperless settings – Sign up or amend your text alerts and cancel paper statements if you don't really need them
• Manage your overdraft – Increase/decrease your overdraft limit
• Apply for something new – Apply for a broad range of Nationwide accounts

*You'll need your card reader for added security
**Device and operating system compatibility requirements apply

Personal Banking by Santander lets you take control of your finances whenever, wherever.

You can:
•log on with Touch ID or Face ID
•see your running account balances and 7 years’ worth of transactions
•move money between your Santander accounts, or pay somebody else
•pay somebody using just their mobile phone number through Paym
•view the interest rate on your savings accounts and bonds to make sure you’re getting the best from your money
•see information about your ISA, including your interest rate and your remaining tax-free allowance
•view and cancel your Direct Debits
•set up, view and delete standing orders
•get alerts when you’re nearing your credit card limit to help you effectively manage your account and avoid fees
•view alerts
•choose your Retailer Offers and get cashback at top retailers, just by spending on your Santander credit or debit card
•be confident your details are secure - we’ll automatically log you off when you send the app to the background

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

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

Important information

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

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

(English language only)

Please make sure you have the latest Apple software on your phone so that our app runs smoothly. Your device will need to be running iOS version 9.0 or above in order to use this app. If you are unable to update to this version, please log on to Santander Online Banking to access your accounts.

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

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

Revolut is better than your bank - we’ve saved 1 million customers over $200 million in banking fees. Open a free current account in 60 seconds, spend and transfer money abroad fee-free, and instantly exchange 29 currencies including Bitcoin, Ethereum, Litecoin, Ripple and Bitcoin Cash.

NEW: Buy, hold and exchange Bitcoin, Ethereum, Litecoin, Bitcoin Cash and Ripple instantly.

Banks charge hidden fees when you spend or send money abroad. Revolut doesn’t.

- Spend abroad with no fees in over 130 currencies with a contactless MasterCard©
- Hold, receive, and exchange 24 currencies in-app at the real exchange rate
- Send free, fast domestic and international money transfers to bank accounts globally
- Save up to 8% on every card payment when you travel abroad
- Our free money transfers are up to 10x cheaper than your bank!

Revolut has made buying cryptocurrency insanely fast and easy.

- Buy and hold Bitcoin (BTC), Litecoin (LTC), Ethereum (ETH), Ripple (XRP), Bitcoin Cash (BCH) instantly at the best rates
- Top-up for free in 24 fiat currencies and exchange into cryptocurrency instantly
- Send, request, and receive BTC, ETH, LTC, XRP, BCH instantly from Revolut contacts
- Track Bitcoin, Ethereum, Litecoin, Ripple and Bitcoin Cash prices anywhere with our custom charts

Download our free current account to make managing your money easier at home and abroad.

- Keep track of your spending with our in-app spending analytics
- Global express card delivery in 1-3 working days
- Free monthly international ATM withdrawal allowance
- Receive instant spending updates after every payment
- Freeze your card instantly if you lose it, and unfreeze it if you find it
- Send money instantly to friends and family in 29 currencies for free
- Cheap personal loans around 50% cheaper on average vs your bank

Welcome to a world beyond banking. Welcome to Revolut.

What people are saying about Revolut:

“Revolut is beating the banks and bureaux de change at their own game” - The Guardian

“Revolut are chipping away at traditional banks by offering users slick apps, slashed fees and an instant overview of their finances” - New York Times

“Revolut now lets you cheaply trade Bitcoin, Litecoin, and Ethereum” - TNW

“Elegant app that is built on top of incredible technology.” - CNN

What our users are saying:

"Brilliant" - 5 STARS - by ALAPP75
I can't rate this service highly enough. As someone who travels a lot and using different currencies, this is an essential for me now. Have also just returned from a family trip to the USA and the app was a dream to use, the travel card was was accepted everywhere and I reckon we saved at least £120 in fees and transfer rates

"Simple idea works perfectly" - 5 STARS - by Cassuki
I've used the card online to spend £s and just returned from Tenerife where I used it to withdraw €s from ATMs. Worked without any issues and topping it up worked seamlessly both at home and while away.

"Brilliant App" - 5 STARS - by Expat _Traveller
Like most of the other reviews, can't praise this service enough, and it really does deliver on its too good to be true promises. Excellent customer service to back it up is the icing on the cake!

"Great" - 5 STARS - by Gary Worcs
I've tried a number of travel cards in the past but this beats them all ! How can you argue about perfect exchange rates, instant loading and a well designed app. Very pleased.

For bitcoin fans:

Download the Revolut app for: Secure Bitcoin wallet, Bitcoin currency exchange, Litecoin currency exchange, secure Bitcoin wallet, instant Litecoin, Ethereum and Bitcoin transfers and so much more!

YOUR CAPITAL ONE ACCOUNT ON THE GO
We’re always looking to make things easier for you, so why not keep track of your Capital One accounts wherever you are with our free app. You’ll be able to:
• View your current balance
• Check your credit limit and how much you have available to spend
• Set up and view your Direct Debit
• See your latest transactions
• Check your payment information, like when and how much to pay next
• Make a payment to your Capital One card
• Register multiple cards to the app

To get started, you’ll need to register on the app using your Capital One credit card details, postcode and date of birth. For security, we’ll send you a one time activation code by text message to the mobile phone number registered on your Capital One account. You’ll need to enter this as part of the registration process. You can register your mobile number, as well as manage your account online at www.capitalone.co.uk where you can also set up a Direct Debit, SMS and email alerts, and more.

Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.

••• Read the reviews and see what people are saying •••

"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"


••• MAIN FEATURES •••

> HELPS YOU KNOW HOW MUCH TO SPEND
Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow.

> HELPS YOU SAVE MONEY
Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track.

> MORE PERSONAL THAN ANY OTHER BUDGETING APP
Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle.

> INSTANTLY SYNC VIA ICLOUD
Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you.

> AS MANY BUDGETS AS YOU NEED
Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up.

> FLEXIBLE EXPENSES
Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money.

> MULTIPLE CURRENCIES
Use any currency in the world for individual budgets.

> TRANSFER BETWEEN BUDGETS
Easily transfer money between budgets with a single click.

> SUPER SIMPLE, SUPER QUICK
Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know.

> 3D TOUCH SUPPORT
Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+

> TODAY WIDGET SUPPORT
Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies.

> BUDGETS ON ALL YOUR DEVICES
Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go!


Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple.

Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month.

So, start budgeting how you want, when you want, without any worry. Start using Pennies today!

If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too.

Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – hello@getpennies.com

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

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

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

If you like it there is now a PRO version, adding support for automatic backups, database syncing, enhanced transaction searching, split screen multitasking, 3D Touch, Apple Watch, and more. If you already have Account Tracker, use the upgrade bundle to get a discount!

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

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

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

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

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

DATA, BACKUPS AND SYNCING
- Import historical transactions or bank statements from a CSV file
- Export account statements, budgets and reports in CSV format for offline processing, e.g. in a spreadsheet
- Local backup and restore on your device, plus transfer of backups by email, AirDrop, iTunes file sharing, iCloud and Dropbox
- PIN code protection, plus Touch ID and 1Password integration

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

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

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

The premium UK Salary Tax Calculator which includes a Tax Rates Reference Guide and VAT Calculator.

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.


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 2018/19, 2017/18, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 10 & iOS 11, and the iPhone X.

Optional Settings available:
• Scottish tax (SRIT) - all five bands from 2018
• Tax Codes - recognises L, S, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes
• 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 (Pre Sept 2012 and Post Sept 2012 schemes supported)
• Overtime and Bonuses (as a percentage or fixed amount)
• 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.

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.

watchOS 4 App. Designed for your wrist to quickly show your most important stats in Complication and Dock.

Data Widget. Instantly check your usage at any point from any screen. Just swipe to view the glanceable widget for iOS 11.

Smart Forecast. The advanced Forecast predicts if you'll stay within your data cap. And tells you in brilliant colors.

Real-Time Hourly Stats. Your latest statistics are retrieved directly and immediately from iOS. No more waiting for your carrier to update.

Export Usage Stats. You can export detailed statistics of your usage into a file so you can import it for viewing on your computer.

Beautiful Design. Simply gives the key stats you need most in an incredibly clean interface. It's so easy to track your data usage.

Additional features include:
・ Track cellular (LTE/4G/3G) and Wi-Fi
・ Monitor activities with Stopwatch widget
・ Compatible with all billing periods
・ Support Rollover / Carryover data
・ View hourly and daily history
・ Auto reset on bill cycle date
・ Four custom alert thresholds
・ Work with all carriers
・ Private and Secure - no VPN, no login

"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.

Profitable Bitcoin Trading Strategies for Bitcoin Daytrading

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

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

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

What you will learn in this course is:

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

Crypto Tracker Bot is the only iOS app that offers users real-time push notifications when new currencies get listed on the most influential exchanges in the world.

Our service puts users ahead of the curve by delivering detailed price and market information before the general public gets word.

How does it work?

PUSH NOTIFICATIONS
Our proprietary algorithm searches for news, rumors, and info related to new currencies getting listed on the most influential exchanges. We send users push notifications when a new currency is listed, or has the potential to be listed in the near future.

Users can highly customize their push notifications received from Crypto Tracker Bot.

EXCHANGE FILTER
With this new feature, users can customize which exchanges trigger the real time notifications.

COIN WATCH
If users are only interested in receiving notifications from a specific currency, Coin Watch allows users to filter out the noise and receive push notifications for their favorite coins. Users can also set custom push notification sounds for each coin.

Supported exchanges include:

- Bibox
- Binance
- Bitfinex
- Bithumb
- Bitstamp
- Bittrex
- Bit-Z
- Coinbase
- Coinnest
- Coinone
- Cryptopia
- Gate.io
- GDAX
- GOPAX
- HADAX
- HitBTC
- Huobi
- IDEX
- Koinex
- Kucoin
- Kraken
- LBank
- OKEx
- Upbit

** More exchanges coming soon **

Cryptocurrency Market Data:
- Coin Ranking
- Market Cap
- 24h Volume
- Price
- % Price Change: 1 hour, 1 day, 7 days

TRENDING COINS
We make finding popular coins even easier. View sorted lists of the top 150 coins ranked by % price change (1 hour, 1 day or 7 days). Get quick access to official websites and learn more about each project.

CHART CLIMBER
The Chart Climber lists the Top 300 tokens based on their gain/loss in Market Cap ranking, creating a useful way to analyze performance over time. The goal is to indicate under the radar tokens that are slowly increasing in value.

____________

ABOUT US
The Crypto Tracker Bot founding members are based in Los Angeles and consist of your average engineers (driven by memes and reddit) looking to help anyone getting into cryptocurrencies. We strive to deliver valuable services for all our users.

Get in Touch. support@cryptotrackerbot.com
Or visit our website: https://cryptotrackerbot.com

We’d love to hear from you!

Enjoy.

The SJP Wealth Account app for St. James’s Place Partners, provides you with;

• Secure authentication to SJP systems
• Displays an on-screen current valuation of your clients holdings
• Request a Wealth Account Summary Report via email
• Request a Client Summary Report via email

***** Important: You need to be an SJP Partner to use this application *****

Convert 0870 is dedicated to saving you money.

One phone call lasting at least a minute pays for this app and you have it forever! No limits, so use it for every number!

Many companies use 0870, 0845, 0844 numbers for customer service, which usually cost 35p per minute +

Calling such number on any phone is expensive so why pay more when there is Convert 0870!

Support for iOS 7/8 and the iPhone 6 & iPhone 6+

0870, 0845, 0844, 0800 and 03 numbers are covered too!

Why not try and get them at local rate?

Simply type the number and we'll do the work.

Alternatives for Successful Matches Too!

Dont fancy typing, why you can browse an alphabetical list, not only by name but numbers too!

Thousands of numbers stored offline for super fast results even when you have little network coverage.

More can be searched too and if its missing we will find it for you!

Unlike other similar apps we have spent a long time designing the interface to give you the best native experience, this means fast scrolling, quick results and a smooth feeling all over!

Know who you are ringing? You can also search for it by name.

Cant find a number let us know. We will do the hard work for you! And our response time is very impressive!

Say goodbye to high phone bills!

Say hello to 'Convert 0870'!
- Alternatives for Successful Matches
- Offline Mode
- History - remember those numbers you've called.
- Add to contacts - Save them to your address book
- Copy And Paste
- Accurate Number Search
- Generalised Business search by name
- Very good support



*Local rates may still apply

My Weekly Budget® (MyWB) can help you keep more money in your pocket. Save money with this real-time budgeting app! It is SIMPLE - but powerful, MyWB is the easiest way to keep track of your spending and take control of your personal budget! MyWB allows you focus on a budget target for the current week and helps you focus on your day to day spending. Tracking your spending on MyWB and using it daily is all you need to stay within your spending budget, allowing you to save money over time! It is easy to use, incredibly straight forward! This app helped many people save money!

How to use My Weekly Budget® (MyWB) :
1. Select the day of the week you would like as your start day
2. Set yourself a budget target for the week
3. Enter your spending with a uniquely simple, straight forward interface
4. Instantly see your spending compared to your budget

Additional MyWB features include:
• Snapshot of how much of your budget you have used
• Ability to review your spending patterns - find out where your money is going!
• Ability to export your spending information from MyWB to other applications on your computer or via email
• View full History of your spending, sortable by date, price, alphabetically, or even group similar items together

At the end of each period, a brief summary is presented showing how well (or badly?!) you have done against your spending target. Any money not spent may be carried over to the next period, so you can reward yourself with higher spending or choose to save it for a rainy day! Any money you received (birthday presents, cash-back on a pair of shoes you returned etc.) may also be added to your current period's spending plan if you choose.

This personal finance app is easy to use and easy to understand, and yet allows you to customize features to match your budgeting needs.

MyWB is flexible and can be customized to fit your personal spending habits:
• Create your own spending categories
• Supports all international currencies
• Select your preferred date format
• Create a list of your Favorite Categories
• Add/Delete and Search your Categories

My Weekly Budget® (MyWB) can help anyone save money, including:
+ Anyone living on a budget
+ Anyone looking to save money
+ Teens
+ College Students
+ Professionals
+ Couples
+ Seniors

My Weekly Budget® (MyWB) is the easiest way to keep track of your spending and take control of your personal budget!

Calculate the fuel efficiency of your vehicles, dependent on the distance travelled since last fuel stop, and the amount of fuel it took to fill the tank.

This app will calculate:
- Miles per Gallon (UK/Imperial)
- Miles per Gallon (US/Metric)
- Litres per 100km
- km per Litre
- cost per mile/km
- cost per litre/gallon

Distance can be entered as:
- Miles, or
- Kilometres

Fuel can be entered as:
- Litres, or
- Gallons (UK/Imperial), or
- Gallons (US/Metric)


You can also:
- Store multiple vehicles
- Store trips (per vehicle)
- Add notes to individual trips
- Auto-store when calculating
- View trip history as a list
- View trip history as a graph
- View average fuel efficiency
- View most/least efficient trips (highlighted in history)
- Edit trip history (distance, fuel, date/time, notes)
- Delete trip from history via the 'swipe to delete' method (like email and sms).
- Manage vehicles (edit, delete, order)
- Email entire trip history as a csv file (to use as you like)
- Tweet your results (including vehicle name)



Please note that you WILL NOT LOSE your data when purchasing to replace the Free (trial) version. All you need to do is export from the Free version, and import to this Full version. If you have any issues please contact support from within the App, or visit http://www.mpgcalc.co.uk