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Andrada Tomoni

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Review of the Tembo Money, Cash ISA:

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Good product, but very targeted towards cash LISA users

The interest rate on cash ISAs is usually above competitor rates which is always a plus, and there was an extra financial incentive to sign up when I first did so via a referral. The app is smooth and easy to use. Overall, I personally find the product too geared towards first home purchases by using the cash LISAs, and as a general cash ISA user, I am certainly not the target demographic for Tembo, as there are very few articles that focus on things outside house purchases. It is evidently positioned as a competitor to Moneybox first and an ISA provider second. I also find it not providing enough information on how a S&S LISA could instead help with house purchases, especially with the current government push to move towards investment products. I would like it if the app started including more investment education and started acknowledging it's cash ISA users more via a more diversified range of articles, budgeting solutions, forecasts etc. Reviewed on: 3rd February 2026

Review of the Revolut, Personal account:

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Best service&interface combo

Exchanging between currencies has been absolutely life changing - not only can I now do that with no hassle, but I can spend the money straight away or allocate it to a different account or savings pot, never wondering if I got the best exchange rate or not. In addition, the spending forecast makes it easy to identify and rectify spending habits. There is something for everyone on the platform, from perks to investment options to relatively decent savings accounts that are the easiest on the UK market to set up, all on a fantastic and intuitive interface. Reviewed on: 19th January 2026

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