過去数年はお金の管理アプリにとって素晴らしいものであり、スタートアップが左、右、中央に表示され、スマートフォンを介してお金を管理する新しい方法を提供しています。この新しい銀行テクノロジーの波と、気付かずに節約できる機能により、どのアプリを使用する価値があるか、そして彼らが言うほど優れているかどうかを判断しようとすると、少し圧倒される可能性があります。 Money to the Massesは、ほとんどの新しいフィンテックアプリを確認し、この便利なガイドをまとめて、どれが自分に適しているかを判断するのに役立てています。
この記事は2つのセクションに分かれています：
このセクションでは、2021年に英国で最高の予算管理アプリを紹介します。これらのアプリは、お金を効果的に管理し、支出の習慣を認識するのに役立ちます。彼らはあなたが不必要な支出を削減するのを助けることによってあなたの貯蓄目標に向かってあなたを導くのが得意です。
以下の比較表は、アプリの基本バージョンに基づいており、アプリがプレミアムアカウントで提供する可能性のある追加機能については言及していません。
| Emma | マネーダッシュボード | Moneyhub | |
| 無料 |  | |  |
| プリペイドデビットカード | | | |
| FCA登録済み | | | |
| 分類された支出 | | | |
| 予算の作成 | | | |
| 貯蓄目標を設定 | |  | |
| 複数のアカウントをリンクする | | | |
| Great for ... | 無駄なサブスクリプションの検索 | 将来の目標のための予算 | 今後の計画 |
各アプリの詳細な分析を読みたい場合は、表のアプリ名をクリックして、予算管理アプリのレビューに進むことができます。
また、次の記事でアプリを要約します。「英国で最高の予算編成アプリ：試さずに予算を立てる方法」
このセクションでは、現在の銀行口座と連携して貯蓄を増やすのに役立つアプリについて説明します。これらのアプリは、AI（人工知能）を使用して支出を分析し、「安全な」金額を別の普通預金口座に自動的に保存します。これらのアプリは、お金を脇に置くことにあまり規律がなく、節約するのが難しい場合に適しています。
以下の比較表は、アプリの基本バージョンに基づいており、アプリがプレミアムアカウントで提供する可能性のある追加機能については言及していません。
| プラム | チップ | クレオ | マネーボックス | |
| 無料 | | | | |
| 自動保存 | | | |  |
| 貯蓄目標 | | | | |
| 同じ日に撤回する | | | | |
| App | | | | |
| Interest | | | | |
| FSCS protection | * | | | |
| Where is my money kept? | Stored as e-money with Payrnet | Money in the Chip+1 account is stored with ClearBank | Ringfenced with Barclays by e-money provider MangoPay | With third-party banks such as Investec, Charter Savings Bank and Shawbrook Bank depending on the account you open |
| Great for... | savings targets | automatic saving | making saving fun | round up spending |
*The money stored in a Plum primary account is not FSCS protected, however, if you open an easy access savings account with a Plum premium account your money will be FSCS protected.
If you would like to read an in-depth analysis of each app you can click on the app name in the table to be taken to our independent review.
We also summarise the apps in the following article:'The best savings apps in the UK:how to build a savings pot using your smartphone'
This section takes a look at apps that allow you to invest straight from an app on your smartphone. All of the apps listed below are free for you to download onto your mobile phone however you will be charged additional fees to invest. We go into more detail on these in the table below.
Specialist apps (not an investment platform in its own right)
| Plum | Wombat | Moneybox | |
| Monthly fees | £1 | £1 | £1 |
| Minimum investment | £1 | £10 | £1 |
| FCA registered | | Appointed representative |  |
| FSCS protection | |  | |
| Charges | 0.15% fee on investment value Fund fees that vary from 0.06% - 0.90% | 0.07%-0.75% fund provider fees 0.10% platform fee | Annual charge of 0.45% of investment value Additional fund management charges 0.12% - 0.58% |
| Investment account types | Stocks and Shares ISA General investment account Pension | Stocks and Shares ISA General investment account | Stocks &Shares ISA Stocks &Shares Lifetime ISA Pension General Investment Account Junior ISA Socially Responsible Investing |
| Extras | Invest in tech, ethical companies and emerging markets | Tailor your investment portfolio based on your lifestyle and interests | Invest your spare change using the 'round-up' function |
| Great for... | beginners | small investments | investing spare change |
Investment platforms (where you can invest via their app)
| Nutmeg | Wealthify | Wealthsimple | Moneyfarm | Freetrade | |
| Monthly fees | No set-up, trading, transaction or exit fees | n/a | n/a | No setup fees and no trading fees | No fees for basic investing accounts £3/month for S&S ISA |
| Minimum investment | £500 (£100 on a S&S Lifetime ISA and Junior ISA) | £1 | £1 | £500 | £2 |
| FCA registered |  |  | | | |
| FSCS protection | | | | | |
| Charges | Account management fee ranging from 0.25%-0.75% depending on portfolio type Investment fund fees | Annual fee of 0.60% Investment costs (an average of 0.16%) | Annual fees from 0.50%-0.70% Additional costs averaging at 0.20% | Management fee between 0.35% - 0.75% Fund fee 0.20% Transaction costs up to 0.09% | FX spot rate (immediate) + 0.45% |
| Investment account types | Stocks &Shares ISA, Stocks &Shares Lifetime ISA, Junior ISA, Pension, General Investment Account | General investment account, Stocks &Shares ISA, Junior ISA, Pension | Pension, Stocks &Shares ISA, Junior Stocks &Shares ISA, Personal account | Pension, Stocks &Shares ISA, General Investment Account | Basic investment account, S&S ISA, SIPP |
| Extras | Choose between four investment styles, 'socially responsible', 'fixed allocation', 'Smart Alpha' or 'fully managed' | Set investment goals | 3 different accounts with different prices and benefits based on investment amounts - 'Basic', 'Black' and 'Generation' | Receive an investor profile tailored to you based on your investment knowledge, wealth and attitude to risk | Refer a friend within the app and you both get a free share worth up to £200 |
| Great for... | an exclusive offer of no management fees for 12 months* | competitive charges | good for low cost | no management fees for a year or £1,000 cash bonus for your pension* | a free share up to £200* |
*find out more about the offers in the Nutmeg, Moneyfarm and Freetrade review
If you would like to read an in-depth analysis of each app, as well as its fees and charges, click on the app name in the table to be taken to our review. (We have not yet reviewed Wombat so the link will direct you to the app website for more information).
We also summarise the apps in the following article:'The best investing apps in the UK:how to invest from your mobile'
In this section, we take a look at some of the best trading apps in the UK for beginners. There are numerous things you should consider before downloading a trading app, including the fees and whether your money is protected by the FSCS. It is also advisable to thoroughly research the process of buying and selling shares as the value of shares goes up and down which could result in you losing money.
For more information on trading apps read our article, 'The best trading apps in the UK for beginners'
| eToro | FinecoBank | Freetrade | Plus500 | Trading212 | |
| Minimum investment | $50 | | £2 | $100 | £1 |
| Currency conversion fee | 0.50% | N/A | 0.45% | Up to 0.70% | 0.15%-0.50% |
| Withdrawal fee | $5 | | | | |
| Inactivity fee | $10 per month (after 1 year of inactivity) | | | $10 per month (after 3 months of inactivity) | |
| S&S ISA | | | | | |
| Mobile app | | | | | |
| CFD and Forex trading | | | | | |
| FSCS protection | | | | | |
| Extras | overnight funding fees apply | fully-fledged bank, so you can bank, trade and invest from the same account | a free share worth up to £200 | overnight funding fees apply | demo trading account to make dummy trades |
| Great for... | social trading | commission-free trading | combining trading, investing and banking | trading forex and CFDs | video guides and tutorials |
The following section summarises the best app-only banks in the market. In order to make the most of the app's benefits you should have your salary paid into the app-only bank as this allows you to use the categorisation and budgeting features to their full potential.
If you are not yet fully convinced, there is nothing stopping you opening an account and simply using it as a spending account alongside your main account, as you can still take advantage of the other features such as fee-free spending when abroad. In all cases, it is best to research and check the security of the app before opening any account as not all of the apps listed below are protected by the Financial Services Compensation Scheme (FSCS).
| Atom | Monzo | Monese | Revolut | Starling Bank | |
| Registered bank | | | | | |
| FCA regulated | | | | | |
| FSCS protection | | | | | |
| Categorised spending | | | | | |
| Savings goals/pots | | | | | |
| Savings accounts | | | | | |
| Interest | 0.20%-1.55% | 0.05%-1.07% | * | * | 0.05% |
| Loan | Business loans | | | | ** |
| Mortgage | | | | | |
| Overdraft | | | | | |
| Fee free spending abroad | | | | | |
| Direct debits | | | | | |
| Standing orders | | | | | |
| Round up saving | | | | | |
| Joint accounts | | | | | |
| Business account | | | | | |
| Great for... | savings, loans and mortgages | budgeting | overseas students/non-UK residents | travelling abroad | round up spending |
*earn interest on your savings with Revolut if you upgrade to a premium plan and earn interest with Monese with a Raisin savings account via the Monese app
** Starling Bank has temporarily stopped offering personal loans
If you would like to read an in-depth analysis of each app-only bank you can click on the app name in the table to be taken to the relevant review. (We have not yet reviewed Atom so the link will direct you to the app websites for more information.)
We also summarise the apps in the following article:'The best app-only bank in the UK'