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March 21, 2026 — Comments are off for this post.

Monzo vs Chase UK: Which Bank Account Is Better? (2026)

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.

After the bigger sign-up bonus?

Chase's refer-a-friend offer pays £50 when you join and deposit £1,000 within 30 days; our referral page walks you through it.

Claim the Chase £50 offer

If you're weighing up Monzo vs Chase in 2026, you're in good company. Both are app-only banks, both are free to open, and both promise to make managing your money less painful. However, once you dig past the slick onboarding screens, the two take noticeably different approaches to savings, cashback and everyday features.

Chase (a trading name of J.P. Morgan Europe Limited) lures new customers with a boosted saver rate and 2% cashback on everyday spending. Monzo, the UK's original fintech darling, counters with powerful budgeting tools, paid plan perks like a free Railcard, and one of the most feature-rich banking apps on the market.

Below, we break down every meaningful difference so you can pick the one that actually fits your life. We also link to both referral offers if you want a bonus for signing up.

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Published by Stiv in Apps, Banking, Comparisons, Finance, Investing, Personal finance, Reviews, Saving, Services
Tags: app review, bank comparison, cashback, chase, chase uk, digital bank, fintech, monzo, monzo vs chase, personal finance, savings, uk banking
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March 19, 2026 — Comments are off for this post.

TrainPal vs Trainline: Which Train App Saves More? (2026)

Last updated: 22 August 2026

By Stiv · Design, technology and personal finance

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.

If you're booking train tickets in the UK, there's a good chance you've used Trainline. It's been around since 1997, and it's the name most people reach for first. But over the past few years, TrainPal vs Trainline has become a genuine debate. That's especially true for anyone who wants zero booking fees and automatic split ticketing. So which app actually saves you more money? We've compared the two side by side to help you decide.

Want money off your first TrainPal trip?

TrainPal books UK trains with zero booking fees, and our referral page keeps the current new-user offer up to date.

Get money off TrainPal

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Published by Stiv in Apps, Commuter, Discount, Finance, Money saving, Reviews, Saving, Services, Travel lover, UK Deals
Tags: cheap train tickets, cheap train tickets UK, digital railcard, digital railcard UK, monzo, Monzo railcard, railcard, split ticketing, train apps uk, train booking apps UK, Trainline, Trainline alternatives, TrainPal, TrainPal vs Trainline, travel apps uk, UK trains
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March 15, 2026 — Comments are off for this post.

Cheapest Investment App UK (2026) – FX Fees Compared

Investing · FX fees2026 Edit

Commission-free is not cost-free

Last updated: 21 June 2026

By Stiv · Design, technology and personal finance

Looking for the cheapest investment app in 2026? The headline says "zero commission". Yet the foreign exchange (FX) fee on every US share quietly adds up. So we rechecked the live pricing for Lightyear, Robinhood, Trading 212, Freetrade, InvestEngine, Hargreaves Lansdown and J.P. Morgan. Then we worked out the real cost of buying a US share on each.

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.

Not financial advice. This piece reflects what works for us, not a personal recommendation, so please do your own research or speak to a qualified adviser before investing. Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

See the lowest flat FX fee in our comparison

Of the apps below, Lightyear currently has the lowest flat FX fee on US shares. The latest sign-up steps are kept up to date on our referral page.

See the Lightyear FX offer

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Published by Stiv in Finance, Investing, Personal finance
Tags: Freetrade, FX fees, investing, investment apps, isa, Lightyear, monzo, Trading 212, uk investing

February 17, 2026 — Comments are off for this post.

Monzo investment fees cut: what it means and whether it’s worth it

Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

Quick take: Monzo investment fees were cut in February 2026 from 0.45% to 0.25% a year (or from 0.35% to 0.20% on certain paid plans). If you're a smaller-balance, set-and-forget investor, Monzo just got a lot more competitive. If you're fee-optimising at higher balances, fund costs and fee caps still matter.

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.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results. This is not financial advice.

Monzo has made a change that actually matters: the platform fee for Monzo Investments is now 0.25% per year (and 0.20% if you're on eligible paid plans), down from 0.45% (or 0.35% for Plus and Premium customers) before the February 2026 fee cut. Fees accrue daily and get collected monthly from your investment account. That's the "Monzo fee" bit, not the fund manager's own fee (more on that below).

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Published by Stiv in Apps, Finance, Investing, Services
Tags: Fees, investing, monzo, Platforms, stocks and shares isa, UK personal finance
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