You can label these jars according to your spending habits - such as groceries and transport. The idea is to load your money onto the card, and then allocate it into different digital 'jars' on the app. Key features: HyperJar is a bit different from other budgeting apps, as it includes a prepaid card (physical or digital). With Emma Plus you can link up to four bank accounts , and take advantage of in-app cashback offers and a fraud detection feature that alerts you if your details have been accessed as part of a data breach, along with bill reminders and a 'true balance' feature that shows you how much you really have left to spend each month.Įmma Pro offers unlimited bank logins and features such as the ability to track your net worth over time, custom categories and you track your spending in any offline accounts.Įmma Ultimate has additional features, such as business accounts, unlimited bank transfers and a 'Spaces' feature, where you can set budgets on a more specific level.ĭrawbacks: If you go for either of the paid-for Emma options, make sure you'll use enough of the features to justify the price. The standard free version of Emm a lets you connect up to two bank accounts so you can track your subscriptions, set up monthly budgets, track your payday and make payments within the app.Įmma Plus, Pro and Ultimate offer extra features. Key features: In a bid to cut your spending and make the most of the money you have, Emma is another app that links to bank accounts and other financial products, analysing the information to make suggestions on wasteful subscriptions you could cut. Watch our short video below to find out which budgeting apps could help you save money:Ĭost: Free for standard Emma £4.99 per month for Emma Plus £9.99 a month for Emma Pro £14.99 per month for Emma Ultimate. Find out more: how to plan an effective budget.However, when we asked those who were interested in using finance apps, more than half of the respondents said they'd like to have an overview of all of their accounts, and around four in 10 said they'd like help with budgeting. While more than three million people already use open banking, just one in 10 Which? members use a finance app that's not provided by their bank, according to a survey we carried out in February 2021. From getting an overview of all your accounts in one place, to developing algorithms to squirrel away extra savings without impacting your normal spending habits. Thanks to open banking, third parties that access your data can use it in a wide range of ways to help you manage your money more effectively. Your data will be processed in accordance with our Privacy policy How do budgeting apps work? This newsletter delivers free money-related content, along with other information about Which? Group products and services.
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