Mint savings review

Keep on top of your spending and manage your finances all in one place.

No reviews yet. Write a review

Mint tracks, displays and advises on almost every aspect of your spending and savings through a single user interface – from budgets to bills and even your credit score.

We’ve reviewed Mint to help you find out whether it could help you manage your money, when it arrives in the UK.

What is Mint?

Mint is a free personal finance management service, functioning in the US and Canada. It aims to help users keep track of their budgets, create and achieve goals, and aggregate financial accounts on one user-friendly dashboard. The service can be accessed with any browser or mobile device.

Currently, Mint only supports banks and financial institutions in the US and Canada. While it says it may expand to other countries in the future, it doesn’t have a timeline for when that may be.

How does Mint work?

Mint is about helping you manage your money through a single app:

  • Everything in one place. Add multiple accounts, track bills and check your credit score. You can see all your finances at a glance while keeping on top of your outgoings in the future.
  • Create budgets. Mint allows you to create budgets for specific categories such as restaurants, gas & fuel, clothes or coffee, enabling you to closely track your spending.
  • Smart budgets. Mint will automatically suggest budgets based on your spending history.
  • Free credit score. By verifying your identity, Mint can provide a credit score report, advise on how to improve your credit score and provide credit monitoring alerts for your peace of mind.
  • Alerts and advice. Mint will alert you if you’re being charged fees you might not have noticed, if you’re going over budget, if there is any unusual or suspicious account activity and it’ll send bill reminders.
  • Investment tracking. Mint tracks your investment portfolio performance, comparing it to market benchmarks to give you an idea of how it’s doing. Mint can also provide advice and tips as well as help you identify unnecessary fees from providers.

Mint has recently introduced its Bill Pay feature, enabling you to track and pay all your bills in one place. It will monitor your bills, bank accounts and credit cards so you don’t miss a payment or lose track of your finances:

  • Balances and outgoings at a glance. Mint will show you exactly what you have and what you owe. You can view your available cash and credit alongside all upcoming bills without having to log into multiple sites.
  • Bill alerts. Mint will send reminders to help you pay bills on time. This helps you avoid penalties or late fees.
  • Bill pay feature. Scheduled your payment of bills in advance so you know you won’t miss a due date.

Fees and limits?

Mint is free to download and free to use.

It makes money by recommending financial products to its users – when they sign up for “sponsored” accounts on the Ways To Save feature on Mint’s website, it gets a fee from the providers.

Is Mint safe?

Mint doesn’t actually hold your money, so you don’t have to worry about the company going bust. However, it does hold a whole lot of your personal and financial data.

Unlike in the UK, Open Banking isn’t a thing in the US yet, so what you’re doing when using Mint is basically giving it your bank account’s details and granting Mint access to it. However, Mint is still not allowed to move money – it accesses your data in read-only mode.

Moreover, Mint uses a variety of systems to keep your data safe – it’s all encrypted and is also monitored by third-parties services like VeriSign.

Pros and cons of Mint


  • Free to use
  • Free credit score and breakdown.
  • Bill alerts will help you keep track of bills and avoid late fees.
  • View everything on one interface without logging into multiple sites.


  • Not currently available in the UK.
  • Some users have reported synchronisation issues. At times the connection with your bank accounts doesn’t work properly, and can take a long time to get resolved.
  • Some users may not be comfortable entering all their banking data and bill information for security reasons.

Our verdict

You can’t get Mint in the UK yet. If and when it becomes available it’s well worth a look, as it’s free and super useful to be able to see everything on one app without having to log into various sites. But of course this depends on whether you’re happy to share your online banking details with the app.

We’ll keep an eye out for if and when Mint is coming to the UK. In the meantime check out other alternatives in our guide to the best budgeting apps.

Frequently asked questions

Back to top
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

  • 5 steps to financial wellness

    If your money habits are in need of a makeover, follow these 5 steps to help boost your financial wellness.

  • How to save money: 5 shortcuts

    Finder’s UK editor-in-chief shares 5 ways to save up to £423 on petrol, household bills and shopping.

  • Quirk Money review

    Interested in knowing more about your money habits? We explore the features on offer from the personality-test-based budgeting app Quirk Money.

  • What is piggy banking?

    Here’s everything you need to know to get started on this great savings technique to be smarter about your spending and savings.

  • Wally app review

    Wally is a budgeting app that lets you view your accounts, track payments, analyse your spending and set savings targets.

  • Wallet by BudgetBakers review

    Wallet by BudgetBakers helps you organise your money and personalise budgets and goals. Finder looks at its features, pros, cons and premium options.

  • Moneyhub app review

    An app that lets you see all your accounts in one place? Find out how the finance app could help you manage your money better.

  • Emma app review

    Want to take better control of your finances? We explore the budgeting and saving features offered by the Emma money management app.

  • The UK’s best budgeting apps of 2023

    Saving for a holiday? A house? Retirement? Budgeting apps could help you get a hold of your finances. Compare the best budgeting apps in the UK using our table.

  • Money Dashboard review

    Is Money Dashboard the right personal finance solution for you? We explore the finance planner and all of the features of a Money Dashboard account. Read our review to get the low down on a popular budgeting app.

Go to site