<노스크립트> 
지난 몇 년은 스타트업이 왼쪽, 오른쪽, 중앙에 나타나며 스마트폰을 통해 돈을 관리하는 새로운 방법을 제공하는 등 자금 관리 앱에 큰 도움이 되었습니다. 이 새로운 뱅킹 기술의 물결과 자신도 모르게 저축할 수 있는 기능으로 인해 어떤 앱을 사용할 가치가 있고 그들이 말하는 만큼 좋은 앱이 있는지 결정하려고 할 때 다소 압도적일 수 있습니다. Money to the Masses는 대부분의 새로운 핀테크 앱을 검토했으며 어떤 것이 당신에게 적합한지 결정하는 데 도움이 되는 이 편리한 가이드를 마련했습니다.
이 기사는 두 섹션으로 나뉩니다.
이 섹션에서는 2021년 영국 최고의 예산 앱을 소개합니다. 이 앱은 돈을 효과적으로 관리하고 지출 습관을 인식하는 데 도움이 됩니다. 불필요한 지출을 줄이는 데 도움을 주어 저축 목표를 달성하도록 안내하는 데 능숙합니다.
아래 비교 표는 앱의 기본 버전을 기반으로 하며 앱이 프리미엄 계정에서 제공할 수 있는 추가 기능을 참조하지 않습니다.
| 엠마 | 돈 대시보드 | 머니허브 | |
| 무료 |  | |  |
| 선불 직불 카드 | | | |
| FCA 등록 | | | |
| 분류된 지출 | | | |
| 예산 만들기 | | | |
| 절약 목표 설정 | |  | |
| 여러 계정 연결 | | | |
| 다음에 적합합니다... | 사용하지 않는 구독 찾기 | 미래 목표를 위한 예산 | 미리 계획 |
각 앱에 대한 심층 분석을 읽으려면 표에서 앱 이름을 클릭하면 예산 앱 검토 페이지로 이동할 수 있습니다.
또한 다음 기사에서 앱을 요약합니다. '영국 최고의 예산 책정 앱:시도하지 않고 예산을 책정하는 방법'
이 섹션에서는 현재 은행 계좌와 연동하여 저축을 늘리는 데 도움이 되는 앱을 살펴봅니다. 이 앱은 AI(인공 지능)를 사용하여 지출을 분석하고 자동으로 '안전한' 금액을 별도의 저축 계좌에 저장합니다. 이 앱은 돈을 따로 모아두는 데 매우 엄격하지 않고 저축하기 어렵다면 유용합니다.
아래 비교 표는 앱의 기본 버전을 기반으로 하며 앱이 프리미엄 계정에서 제공할 수 있는 추가 기능을 참조하지 않습니다.
| 자두 | 칩 | 클레오 | 저금통 | |
| 무료 | | | | |
| 자동 저장 | | | |  |
| 절약 목표 | | | | |
| 당일 인출 | | | | |
| 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 | 1파운드 | £1 | 1파운드 |
| Minimum investment | 1파운드 | £10 | 1파운드 |
| 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'
