The best free budgeting apps in the UK for 2026, compared: what each free tier really includes, what is paywalled, and who each app suits.
July 25, 2026Comments are off for this post.
Best Free Budgeting Apps UK 2026
April 26, 2026Comments are off for this post.
Chip App Review UK 2026: 3 Years Tested, Rates, Prize Saver, Fees
Last updated: 20 August 2026
By Stiv · Design, technology and personal finance
This Chip app review UK draws on three and a half years of my personal daily use, starting 3 November 2022, across auto-save, the Instant Access Saver, Prize Savings, ChipX (briefly) and a Chip Stocks and Shares ISA.
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
This article is for informational purposes only and does not constitute financial advice. Some features of Chip involve investing, which carries risk including the possible loss of capital. Savings rates can change. Always do your own research or consult a qualified financial adviser. CoolCuration is not authorised by the Financial Conduct Authority.
Fancy trying Chip yourself?
New customers can pick up a £50 bonus with a qualifying £1,000 deposit held for 90 days; the current code and full terms are on our Chip referral page.
Cool Factor
★★★★☆
4 out of 5 · Stone cold
My Chip app review UK is grounded in the actual ledger: £174.41 in interest earned, £180 in tax-free prize wins, £0.80 in investment returns, and three and a half years of daily use since November 2022. That is the unvarnished record of what I have personally taken out of Chip across four different account types. Below is what I kept, what I binned, what works, and the one quirk that still mildly irritates me.
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April 22, 2026Comments are off for this post.
Best Apps to Save Money UK 2026: The Ones We Actually Use
Last updated: 10 June 2026
By Stiv · Design, technology and personal finance
There are hundreds of money-saving apps in the UK app stores. Most of them are rubbish. The best apps to save money are the ones we've tested over the past few years, narrowed down and kept on our phones because they actually work. No fluff, no apps we downloaded once and forgot about. Just the ones that earned a permanent spot.
Between the team we've got about 12 money apps installed. Half of them we actually use. The other half sit there judging us. We tried about 20 apps before settling on this list. Some were too fiddly. Some had great ideas but terrible execution. A couple were brilliant but shut down. These are the survivors.
This article is for informational purposes only and does not constitute financial advice. Some apps in this list offer savings and investment features. Your capital may be at risk. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Our top money-saving pick
If you only set up one, make it Chip: it is the app that has quietly saved us the most by moving money before we miss it.
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April 1, 2026Comments are off for this post.
Best Mortgage Overpayment Apps UK: Tested and Compared (2026)
Last updated: 19 July 2026
By Stiv · Design, technology and personal finance
I have a Nationwide mortgage and have been testing mortgage overpayment tools since 2021, including Sprive alongside manual standing orders and savings apps.
Disclosure: This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage.
After the Sprive bonus?
Sprive leads the comparison below, and the sign-up offer it currently runs is covered on our referral page.
Looking for the best mortgage overpayment apps in the UK? Whether you want an app that automates everything, a savings tool that builds your overpayment pot, or a budgeting app that finds spare cash you didn't know you had, there are more options in 2026 than ever. I've tested and compared the main contenders so you can find the right one for how you actually manage money.
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September 3, 2025Comments are off for this post.
Best Savings Account UK 2026: Top Picks Compared
Last updated: 22 August 2026
By Stiv · Design, technology and personal finance
Affiliate disclosure: This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Finding the best savings account UK savers can open right now is harder than it sounds. Rates have settled after the highs of 2024, but with the Bank of England base rate sitting at 3.75% (held 30 April 2026; next decision 18 June 2026), there are still rewarding options out there if you know where to look. The trick is matching the right account type to how you actually save.
Below, we compare the top easy-access accounts, regular savers and fixed-rate bonds available in June 2026, highlight the referral bonuses that can sweeten the deal, and explain what to watch out for before you move your money.
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