The app uses open banking to collect information about your spending and uses AI to analyse your spending, categorise transactions and help you budget and achieve saving goals. It is relatively easy to use, although can be quite time-consuming at the beginning because you have to 'teach' it your spending habits. It's not a perfect app and you need to keep working with it to correct any mistakes it makes, but the more you work with it the smarter it gets. You can see all your bank accounts and credit card accounts in one place so it's also good for monitoring debt and clearing your debts in a systematic way.
Reviewed on: 18th March 2023
The Reward Account offers cashback on some purchases and pays £5 per month if you spend £500 on your card. The mobile app is easy to use and reliable. The feature I like most is that it predicts how much you need until your next payday, which helps a lot with budgeting. I haven't seen that feature in any other banking app I have used.
Reviewed on: 18th March 2023
