Последние несколько лет были отличными для приложений для управления капиталом:стартапы появлялись слева, справа и в центре, предоставляя новые способы управления своими деньгами с помощью смартфона. С этой новой волной банковских технологий и возможностью экономить, даже не осознавая этого, может быть немного сложно решить, какое приложение стоит использовать и действительно ли оно так хорошо, как о нем говорят. Мы в Money to the Masses рассмотрели большинство новых финтех-приложений и составили это удобное руководство, чтобы помочь вам решить, какое из них подходит именно вам.
Эта статья разделена на два раздела:
В этом разделе представлены лучшие приложения для ведения бюджета в Великобритании в 2021 году. Эти приложения помогут вам эффективно управлять своими деньгами и узнать о своих привычках расходов. Они хорошо помогают вам достичь целей экономии, помогая сократить ненужные расходы.
Приведенная ниже сравнительная таблица основана на базовой версии приложений и не относится к каким-либо дополнительным функциям, которые приложение может предлагать в своем премиум-аккаунте.
| Эмма | Финансовая панель | Moneyhub | |
| Бесплатно |  | |  |
| Дебетовая карта с предоплатой | | | |
| Зарегистрировано FCA | | | |
| Расходы по категориям | | | |
| Создание бюджетов | | | |
| Установить цели экономии | |  | |
| Связать несколько аккаунтов | | | |
| Отлично подходит для... | поиск бесполезных подписок | бюджет для будущих целей | заблаговременное планирование |
Если вы хотите прочитать подробный анализ каждого приложения, вы можете нажать на название приложения в таблице, чтобы перейти к нашему обзору приложений для ведения бюджета.
Мы также кратко описали приложения в следующей статье:«Лучшие приложения для ведения бюджета в Великобритании:как составлять бюджет, не пытаясь»
В этом разделе рассматриваются приложения, которые работают вместе с вашим текущим банковским счетом, чтобы помочь вам увеличить ваши сбережения. Эти приложения используют ИИ (искусственный интеллект) для анализа ваших расходов и автоматического сохранения «безопасной» суммы на отдельный сберегательный счет для вас. Эти приложения хороши, если вы не очень дисциплинированны в откладывании денег и вам трудно откладывать деньги.
Приведенная ниже сравнительная таблица основана на базовой версии приложений и не относится к каким-либо дополнительным функциям, которые приложение может предлагать в своем премиум-аккаунте.
| Слива | Чип | Клео | Копилка | |
| Бесплатно | | | | |
| Автоматическое сохранение | | | |  |
| Цели экономии | | | | |
| Вывод в тот же день | | | | |
| 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 | н/д | н/д | 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 | Старлинг Банк | |
| 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'