Best money apps 2022: 28 free saving, budgeting, and voucher apps


On the lookout for methods to squirrel away money, or arrange a digital piggybank? These apps are for you (Image: Getty)

As 2022 begins, it’s time to consider money. And getting a bit extra of it.

As a result of cash makes the world go spherical, whether or not we prefer it or not. And with inflation rising and the UK cost of living going up, there’s by no means been a greater time to kind out your funds.

Certainly, residing extra economically is a New Year decision for twenty-four% of Brits, in keeping with Statista.

So, how can or not it’s finished? Is it attainable to save more, handle cash higher and dwell extra frugally?

Nicely, it’s hardly ever a simple job. However these high money-saving apps for 2022 can assist get you began.

One of the best apps that can assist you save and price range

You might nicely have seen many mates with the pink Monzo debit card (Image: Rafael Henrique/SOPA Photos/LightRocket by way of Getty Photos)

Monzo

What does it do? Monzo is a banking app, so becoming a member of offers you an internet UK checking account. You’ll get a vivid pink debit card within the put up.

In your account, you’ll be able to arrange plenty of Monzo Saving Pots, even mechanically rounding-up any purchases you make in your card – so that you’re unknowingly saving pennies on a regular basis. There are additionally financial savings challenges you’ll be able to participate in.

The app and account described above are completely free, however there are Plus and Premium model which cos and supply extra options.

The place to get the app: Obtain free of charge on the Monzo website, App Store or Google Play

Cleo

What does it do? This app saves cash for you in inventive methods – together with a ‘Swear Jar’ that places cash away while you spend on one thing you’re making an attempt to not.

Cleo is the title is of its (cheeky) AI assistant, who sends you ‘motivational’ notifications to maintain your saving/spending observe.

You’ll additionally be capable of price range utilizing classes, and there’s a (paid-for) bank card possibility designed to assist construct your credit score rating.

The place to get the app: Obtain free of charge on the Cleo website, App Store or Google Play

Plum

What does it do? You mainly connect your checking account, and Plum breaks every part down, displaying what you’ve been spending.

Like the opposite apps, it’ll save in your behalf and (hopefully) you gained’t even realise they’ve finished it.

There’s additionally a Shares & Shares ISA possibility that allows you to put dribs and drabs into large tech companies and different companies, doubtlessly rising your financial savings – although as with every sort of investing, you do put your capital in danger.

The place to get the app: Obtain free of charge on the With Plum website, App Store and Google Play

Moneybox

What does it do? Moneybox is all about saving and investing. There’s a Lifetime ISA (LISA), Shares & Shares ISA and an choice to carry collectively pensions from earlier employments into one pot.

There are advantages to one of these saving. You’ll be able to arrange direct debits to return out of your checking account each month or make deposits as and when you’ll be able to afford it – and you may’t take away cash from an ISA and not using a penalty, which is motivation to maintain it saved.

The good thing about a LISA is that the federal government tops up your contributions as much as £4,000 a 12 months by 25% (that means you rise up to £1,000 free). The draw back is you’ll be able to solely entry this bonus (and all of your money) while you go to purchase your first residence (to dwell in) – or flip 60.

Moneybox is free to obtain (i.e. there’s no payment for the app), however you’ll want £1 to get began.

The place to get the app: Obtain free of charge on the Moneybox website, App Store and Google Play

Chip

What does it do? Chip is one other AI-powered app that’s fully-focused on sneaky financial savings. There’s an choice to mechanically put away a bit of money every payday and round-up purchases.

From mid-January 2022, the default Chip account will be free to use, with every day curiosity paid, investing choices and penalty-free withdrawals.

For the saver eager to take issues to a different stage, a ChipX account presents extra ISA and investing choices, and prices £3 each 28 days.

The place to get the app: Obtain free of charge on the Get Chip website, App Store or Google Play

Raisin UK

What does it do? Apps like Monzo and Cleo have a extra ‘millennial’ really feel, however Raisin’s look is a little more straight-laced.

Raisin lets you open numerous financial savings accounts and monitor them multi functional place. However its USP is the very fact you’ll get entry to offers from banks throughout Europe, not simply Britain.

It guarantees ‘excessive street-beating rates of interest’, as much as 2.10% AER (mounted) – as much as 0.6% on an easy accessibility account.

It’s free to hitch, however the £50 welcome bonus described on the web site/app solely applies if you happen to’ve bought £10,000 to switch over.

The place to get the app: Obtain free of charge on the Raisin website, App Store or Google Play

Save £££ with out realising it thanks to those apps (Image: Getty)

Revolut

What does it do? The Revolut app offers you an account from which you are able to do nearly every part.

You’ll be able to cut up payments with folks simply, pay what it’s essential pay, save mechanically, attempt your hand at low-key investing, get cashback and numerous reductions and alternate foreign money.

You’ll earn every day curiosity in your financial savings, plus get a shiny new debit card to make use of for real-world spending.

The Commonplace account is totally free, so it’s ultimate for people who find themselves simply beginning to kind their cash out. After all, there are paid subscriptions too: Plus, Premium and Metallic.

P.S. Be careful for cryptocurrency funding choices. These are completely unregulated, not like regular financial savings or investing – so it’s finest to keep away from except you understand what you’re doing, or are joyful to take the dangers concerned.

The place to get the app: Obtain free of charge on the Revolut website, App Store or Google Play

Cash Dashboard

What does it do? Cash Dashboard is a good software for seeing every part in a single place.

It connects to over 90 completely different banks’ accounts and lets you maintain observe of present accounts, bank cards and financial savings.

You’ll be able to switch between accounts in-app – and customise the way you observe your spending habits (so if you happen to like graphs, you’re in luck).

It was dubbed the Finest Private Finance App for 2021 by the British Financial institution Awards – so presumably, it’ll nonetheless be helpful in 2022, too.

The place to get the app: Obtain free of charge on the Money Dashboard website, App Store or Google Play

Gone is the necessity for extreme spreadsheets (Image: Getty)

Goodbudget

What does it do? Goodbudget is a private price range tracker, basically.

It really works by establishing ‘envelopes’ for every sort of cost you will have – housing, utility payments, meals, leisure, and many others – and makes certain you will have every of these classes lined.

The concept is it’s going to assist cease you from overspending on completely different classes, as you’ll see how a lot is left in every envelope for the month.

It’s a helpful app for households and {couples}, as you’ll be able to sync your budgets collectively. There’s a free model you should utilize, but additionally a paid possibility for a small month-to-month payment.

The place to get the app: Obtain free of charge on the Goodbudget website, App Retailer or Google Play

Emma

What does it do? Emma manages your cash and helps attempt to scale back pointless common funds.

It’ll analyse your subscriptions, observe which classes eat up most of your cash, and assist you to monitor all accounts, financial savings, bank cards and even investments in a single place.

It has a easy interface, so it’s straightforward to make use of for somebody simply attending to grips with monitoring their cash. You’ll additionally get weekly spending experiences.

As at all times, there’s a free model and a paid subscription with additional options.

The place to get the app: Obtain free of charge on the Emma website, App Store or Google Play

Lumio

What does it do? Lumio is a reasonably new app, which exhibits you your monetary data in a single dashboard.

Not solely do accounts and bank cards rely, however it’s also possible to maintain observe of your current pension, too.

The app will inform you if there’s any ‘lazy cash’ in your accounts that may very well be incomes curiosity – or level out payments you may not want.

There’s additionally a market for financial savings accounts, which you’ll be able to arrange in-app.

The place to get the app: Obtain free of charge on the Lumio website, App Store or Google Play

One of the best voucher and low cost apps

Curve

What does it do? Curve form of belongs in each classes – each budgets/saving and rewards.

The Curve MasterCard basically turns into the one card it’s essential purchase issues – as all of your bank cards, financial institution accounts and even firm loyalty playing cards are saved within the app.

You need to use this card for any cost in retailers, on the ATM machine and overseas (with no sneaky charges).

Alongside the way in which, you’ll additionally get loyalty factors, personalised rewards and cashback.

The app additionally exhibits you precisely how a lot cash you’ve bought and the place within the app interface. You’ll be able to label your spending, and begin to maintain observe of your price range.

This app, nonetheless, is much less centered on squirrelling away financial savings like among the above.

The place to get the app: Obtain free of charge on the Curve website, App Store, Google Play or Huawei Gallery

Shopmium

What does it do? Shopmium offers you entry to hundreds of reductions and presents on on a regular basis grocery store merchandise – every part from almond milk to razors.

New presents roll in every week, and also you may even choose up the odd freebie. this app can assist you save a couple of pennies (perhaps even kilos) off your weekly meals store.

The place to get the app: Obtain free of charge on the Shopmium website, App Store or Google Play

TopCashback

What does it do? Purchasing via TopCashback helps you get a little bit bit again out of your on-line purchases.

‘Whenever you make a purchase order from a retailer featured on TopCashback after clicking via from our web site, the retailer will give us a fee for sending you to their web site,’ TopCashback explains.

‘We share this fee with you while you earn cash, which we name ‘cashback’ and is definitely paid by the retailer. Then, we’ll make your cashback ‘payable’ so that you can withdraw and spend.’

It’s not on the spot money, although. You’ll solely get entry to it as soon as the returns interval is over on your merchandise.

And clearly, it’s a solution to get a little bit bit from purchases you have been planning to make anyway. There’ll be some presents and reductions, too – but when the app tempts you to purchase stuff you don’t really want or need, then there’s no actual saving to be made.

There’s a free account, in addition to a ‘Plus’ account which prices £5 a month.

The place to get the app: Obtain free of charge on the TopCashback website, App Store or Google Play

Quidco

What does it do? The Quidco app is one other cashback app that can assist you save.

Primarily, it’ll current you with new presents and if you happen to click on via to a retailer and make a purchase order, you’ll get a little bit of ‘cashback’ into your account. The quantity varies, and finally, you’ll be capable of withdraw it.

Although it’s not going to make you thousands and thousands, it may be a helpful approach to buy important purchases, vacation offers and shopping for numerous birthday/Christmas presents for somebody.

Typically, the most important share of cashback comes from switching suppliers on your web, TV or establishing a brand new checking account.

Earlier than you make an enormous leap, ensure you really need what you’re shopping for – and test you’re getting a money-saving deal in the long term!

The place to get the app: Obtain free of charge on the Quidco website, App Store or Google Play

Hopper

What does it do? If you happen to like to journey, you then’ll in all probability be aware of looking for out a great deal.

Hopper can assist by predicting when flights to your chosen vacation spot would be the most cost-effective (utilizing an algorithm) – and notifies you of one of the best time to guide your journey. It claims to have ‘95% accuracy’.

This highly-rated app may also assist you observe down offers – of as much as 40% off – on lodge stays and rental vehicles.

The place to get the app: Obtain free of charge on the Hopper web site, App Store or Google Play

If you happen to’re flying someplace, you wish to get one of the best value attainable (Image: Getty)

Groupon

What does it do? Immediately, the title ‘Groupon’ is virtually synonymous with the phrase ‘voucher’.

One of the best ways to make use of Groupon to save cash is to go to the app, or web site, while you’re seeking to purchase or do one thing particular – and see what presents you’ll be able to snap up.

For instance, if you happen to want a haircut or wax, or fancy a visit out for a meal, there’ll be coupons serving to you get some cash off.

The place to get the app: Obtain free of charge on the Groupon website, App Store or Google Play

Vouchercodes

What does it do? One of many UK’s largest low cost web site is Vouchercodes – they usually have an app, too.

You’ll have entry to all types of presents right here: unique financial savings on numerous merchandise and experiences, in addition to entry to any reductions at the moment being supplied by the manufacturers themselves.

That is helpful to browse if you happen to’re making a purchase order, ordering a takeaway, or performing some current buying.

The place to get the app: Obtain free of charge on the Vouchercodes web site, App Store or Google Play

If you happen to store so much, make use of the various voucher and low cost apps obtainable (Image: Getty)

Wowcher

What does it do? This vivid pink app presents a flurry of every day offers on every part from homeware to magnificence appointments.

It’s one of many largest UK offers websites. Once more, ensure you don’t get tempted to purchase stuff you don’t want – and browse earlier than it’s essential make a purchase order to get a great supply.

The place to get the app: Obtain free of charge on the Wowcher web site, App Store or Google Play

hotukdeals

What does it do? Extra offers and reductions! This time from the web site hotukdeals, in app kind.

It’s mainly the identical idea as among the above apps, because it collects and hosts a variety of reductions on a wide range of merchandise.

If you happen to’re out there for one thing particular, it may possibly’t damage to take a look for an opportunity to avoid wasting a bit of money.

The place to get the app: Obtain free of charge on the hotukdeals web site, App Store or Google Play

If you happen to’re shopping for them anyway, may as nicely avoid wasting money (Image: Getty)

Vouchercloud

What does it do? Vouchercloud additionally delivers a bunch of offers and presents direct to your cellphone.

It covers every part from supermarkets to eating places, to main manufacturers like ASOS, Subsequent, Jack Wills and Sports activities Direct.

There’ll be loads of presents on the homepage of the app, or you’ll be able to seek for one thing particular.

The place to get the app: Obtain free of charge on the Vouchercloud website, App Store or Google Play

PriceSpy

What does it do? The PriceSpy app continues to be on the earth of reductions however has a really completely different perform to the above apps.

It has every day offers, nevertheless it’s true objective is value comparability. The concept being that if you wish to make a purchase order, you go to PriceSpy first to make sure you’re getting it from the retailer with one of the best supply.

It’ll inform you if comparable objects are cheaper, or higher rated by their customers. It’ll let you understand one of the best time of 12 months to purchase your required merchandise, too, as costs are inclined to fluctuate.

If you happen to’re being additional frugal, it can save you your dream purchase in a listing and get a notification when the value drops, too.

The place to get the app: Obtain free of charge on the PriceSpy website, App Store or Google Play

B&M Scanner

What does it do? If you happen to’re a daily B&M shopper, chances are you’ll as nicely get the app for promotions and presents.

You employ the app in retailer, and it lets you scan product barcodes, making you conscious of any particular financial savings obtainable.

There’s a spread of merchandise at B&M – from food and drinks to toys, homeware, kitchen home equipment and backyard furnishings.

The place to get the app: Obtain free of charge on the B&M website, App Store or Google Play

Lidl Plus

What does it do? The Lidl Plus app presents rewards to common prospects.

Every week on Thursdays, the low-cost grocery store unveils a spread of coupons you’ll be able to take with you to do your weekly store – in addition to present you low cost presents from their ‘companions’.

If you happen to spend £200 per thirty days in Lidl, you’ll get £10 money-off coupons too.

Price having in your again pocket – however provided that you’ll be able to resist these bargains you don’t really need!

The place to get the app: Obtain free of charge on the Lidl Plus website, App Store or Google Play

If you happen to’re already a Lidl shopper, you will get cash off sure merchandise (Image: Getty)

Honey

What does it do? Honey is an American app that’s obtainable to be used within the UK, too.

It began out life as an web browser extension, which mechanically finds low cost codes and coupons for any buy you’re making and provides them to your buying basket.

It’s additionally obtainable as an app, providing coupons, cashback and different offers.

The place to get the app: Obtain free of charge on the Join Honey website, App Store, Google Play or download the browser extension

Olio

What does it do? Olio is designed to cease meals waste however is now an app that helps cease all types of waste.

Individuals supply up free meals, home goods they not want, and others are capable of snap them up.

The app will even present you how much money you’ve saved while you begin amassing free objects – tallying what you’ll’ve spent if you happen to’d purchased them model new.

The place to get the app: Obtain free of charge on the Olio website, App Store or Google Play

Too Good To Go

What does it do? TooGoodToGo lets you purchase unsold restaurant meals from native cafés and eateries, which they’re seemingly not allowed to promote as contemporary.

Realistically, you’ll have a few days to eat it, and if you happen to’re planning on splurging on a deal with for lunch or dinner, it’s definitely cheaper than shopping for an enormous takeaway.

Main chains and supermarkets typically promote on the app, together with Gregg’s, Costa, Waitrose, Starbucks, Pret A Manger. And the financial savings are fairly large – most luggage price £2 or £3, however are value £8 – £10.

After all, you don’t know what’s within the ‘magic luggage’ till you’ve purchased it. You possibly can find yourself with masses, or little or no. You don’t get to decide on what’s left in them, both.

The place to get the app: Obtain free of charge on the Too Good To Go website, App Store or Google Play


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Best money apps 2022: 28 free saving, budgeting, and voucher apps

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