The Latest Money-Saving Apps You Need in 2019

The Latest Money-Saving Apps You Need in 2019

Saving money is hard. No, seriously. If you’ve ever tried to make some serious savings, you will know that it’s anything but easy. Luckily, there are some apps that you can use, which will help you along the way. Here’s what you need to know.

Budgeting Apps

First up, let’s take a moment to look at a couple of great budgeting apps. Managing your money can be tricky when you’re not keeping track of it. These two money-saving apps will help you with just that problem in no time at all.


One of the quickest ways to zap your finances is by having useless subscriptions. If you’re not in the habit of regularly checking your bank, you could be paying out for things that you don’t even use. The Emma app is helpful when it comes to sorting out this problem.

Basically, you link all of your current accounts to this app and then it does the hard work for you. The app will help you pinpoint any subscriptions that you’re not currently using and cancel them. It also allows you to set budgets and manage your money in general.

Download Emma here


For some of us, finding out about budgeting can be a massive headache. It’s no fun. Cleo aims to change that by giving you helpful personal finance information in message format. That means that learning about how much money you can spend couldn’t be easier.

Again, you will need to link your banking accounts before you get started. When you’ve done that you can talk to Cleo through Facebook Messenger and get the help and advice you need. The AI bot will give you advice on how you can reach your budgeting goals.

Download Cleo here


Chip connects with your bank accounts and works out how much you can afford each month to save, it then automatically saves this into an easy access (3 day) account with up to 5% in interest!

Download Chip here

Online Banking Apps

Confused when it comes to ‘traditional’ banking, we might just have the solution. Online banking apps have seriously taken over and it’s clear to see why. These apps make banking simpler than ever and allow you to have more control over your money. With that in mind, let’s take a look at two of the best options out there.


Have you heard of Monzo yet? When you apply for an account, you get a dedicated debit card, which works alongside it. You can top up the card as much or as little as you want using your current account. Each time you spend money on the card, you get a notification on your phone and it even categorises how your spend your cash.

It doesn’t end there. You can also set budgets for yourself using the app. For example, you might want to set an ‘Eating Out’ limit. Doing so will help you to monitor how much you tend to spend when it comes to eating and drinking in restaurants and bars.

If you’re someone who loves a good holiday, you will adore Monzo. One of the biggest selling points that this banking app has to offer is the fact that you can use it anywhere in the world. The card gives you Mastercard rates of currency conversion which could mean that you save a whole load of money when you’re abroad. Neat.

Get Monzo here (or get a free £5 when you join)


Another online bank that you should have heard of is N26. This one has recently launched in the UK and works in a similar way to Monzo. Plus, as a fun added bonus, you can choose what colour debit card you want when you sign up.

Arguably, one of the most useful features of the N26 account is ‘spaces’. These are basically sub-accounts where you can save money. For example, you may need to set aside a certain amount for bills each money. You can create a space for that. Equally, you may wish to save money for a new bike. You can also make a space for that.

Having separate sub-accounts where you can save your cash helps you take real control when it comes to your finances. When you have moved money from your main account to one of these spaces, you’re no longer tempted to use it. Out of sight, out of mind.

Get N26 here


Curve allows you to go from several bank/credit cards to one, it also allows you to get 1% cashback at up to 6 retailers and provides loads of other useful features including 0% fees on foreign purchases and the ability to swap the card you’ve purchased with up to 14 days after purchase!

Get Curve here (or get a free £5 when you join here by clicking that link and entering code 6DG3WJLN when you sign up)

Shopping Apps

Are you a total shopaholic? If you’re having trouble saving money because you love nothing more than spending it, we hear you. It’s a pain. Luckily, there are a couple of apps that could help. Using these will help you save money even when you’re spending it.


Let’s face it, food shopping can be quite dull. Spending your hard-earned cash on a load of necessities doesn’t feel great. But you have to do it. So, one of the savviest ways you can save money on your shopping is to compare and get the best deals.

You might already be familiar with the mySupermarket website. It allows you to compare how much certain products cost at various shops in the UK. The app works the same way, which is why you should 100% download it right now. Simply search for items and see where you can find them at the lowest possible price.

Download mySupermarket here


Thinking of treating yourself to something online? Before you hit that ‘buy’ button, you need to make sure that you compare the prices ahead of time. You can search for any items using the Idealo website to find the cheapest offers. When you have completed a search, the site will give you a list of places you can buy the product.

If that sounds good to you, you have two options here. You can either use the search function in the browser version of the site. However, you can also get the app for both Android and iPhone, which means that you will use it more often. Win-win.

Download Idealo here

Investment apps

Investing sounds scary and expensive and it can be but there are a few great platforms available for those who want to take more of a risk with their money.


The clue is in the name, it allows you to freely buy and sell stocks and shares without any commission or fees! There are a few limits but it’s a worth contenter for our top app recommendation of the year. Of course, your money is at risk with all investments so only ever invest money you’re willing to lose.

Download FreeTrade here or click here for a FREE Share (worth up to £200) – only a certain amount available so try again later if it’s not working

Be a financial rockstar and share this with your friends, family and co-workers to maximise savings:

More posts:

Important things to remember with everything we post:

  • If you earn over your personal allowance (currently £12,570 a year) HMRC need to get their % cut (even if the money is in cash or from another country)
  • If you’re working for yourself / earning an income on the side you need to let HMRC know – There are numerous benefits but also some drawbacks
  • You need to always ensure whatever you’re doing is legal and not hurting anyone else – be careful and always think twice
  • Some income streams may require you to have DBS check, licence, insurance or qualifications before you can start to profit from it, do your research.
  • Be careful that any additional income doesn’t compromise your studies or main income/job
  • If you work for a company check your contract, if you don’t inform them you’re working on other side projects outside of work they may have grounds to ownership on this work
Remember to follow us!