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It does this all through Facebook messenger, making saving as easy as swapping GIFs-which Plum does with aplomb, usually when you meet your goals.Įyeing an expensive new gadget? Hoping to splash out on holiday? Or just running behind on bills? Change your savings ‘mood’ and Plum will get more ambitious with its belt-tightening recommendations. Plum is that over-involved friend, a chatbot digital assistant who analyses your spending, helps you set savings goals and nudges you to meet them. And, oh, who also has access to your transaction data from your bank account and knows exactly what you’re spending and where. Imagine you had a money-conscious, savings-savvy friend who was always available on Facebook messenger with financial advice and reminders. Helpful for: meeting savings goals, encouragement You can also nudge friends who owe you money by gently ‘billing’ them through the app. It makes going Dutch in restaurants and divvying up utility bills among housemates simple. Monzo also makes sending money to friends and contacts as easy as sending a text message, no sort codes and account numbers required. About to Deliveroo another takeaway? Here’s Monzo with the warning ping, reminding you you’ve already exceeded your eating out budget for the month. You can also set budgets for each category and Monzo will alert you when you’re nearing them. Groceries costing more than you expect? Better watch what’s landing in your shopping trolley. Transport eating up your pie chart? Time to ditch the Ubers and embrace the bus. It then shows you a graphic breakdown of all your spending so you can see just where your money is going. Monzo alerts you to outgoings with mobile notifications and then logs your spending, organising it into several categories: from bills to holidays, cash withdrawals to transport to eating out. But trust us: your bank’s mobile app is nothing like the Monzo app. If you already have a current account you might struggle to see the point of opening another. Once a pre-paid debit card, the zingy Monzo card is now attached to a real current account because, as of April 2017, Monzo is a fully-fledged, mobile-only bank.
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You may have seen friends flashing the mobile banking startup’s distinctive neon orange card. Helpful for: tracking your spending, setting a budget, splitting bills with friends Holding your breath every time you check your bank balance? Scrimping to make your cash stretch until pay day? Before you ditch your smartphone and its data plan in an economy drive, check out these essential mobile apps for savers: they make penny pinching and budgeting… well, if not fun, at least convenient.