Money Dashboard alternatives

Best for

App experience

Starling Bank

Best for

Market leading interest rate(1.25%)

Chip +1 Account

Best for

Connecting all accounts

Curve

Best for

Ease of opening

Monese

How we chose our top picks

For our top picks, we've evaluated a number of digital bank accounts against a range of metrics to select accounts for specific needs. Keep in mind that our top picks may not always be the best for you, and it's wise to compare for yourself to find one that works for you. Read our full methodology here to find out more.

What is Money Dashboard?

Money Dashboard is a personal financial management app that was founded in the UK back in 2010.

This popular app aims to help people make better spending decisions by showing them all of their finances in one place, and then giving them a clear overview of their everyday spending by using graphs and tables. You can also use this analysis to forecast your future spending and set savings goals.

To see all this information you will need to add feeds from your current accounts, savings accounts and credit cards to your personal dashboard.

This is possible through a concept called Open Banking, where your banking provider can share your transaction details with other financial services suppliers if you request it. The data is in a read-only format so these third parties can see it but not make any actual changes to your bank accounts.

The Money Dashboard app and its features come for free, although Money Dashboard does make money by providing consumer spending insights to market research companies. All of the data they send is anonymised, so you can’t be personally identified, but some users may not be totally comfortable with this concept.

To get the full low-down on the pros and cons of the app, read our Money Dashboard review.

If you decide that Money Dashboard isn’t for you, this guide draws together some similar alternatives.

Yolt

Yolt is available across several European countries, including the UK, and is owned by Dutch banking group ING.

It also uses Open Banking to pull in information from whichever current, saving and credit card accounts you wish to add to the app. As with Money Dashboard, this data is read-only.

Yolt then analyses this data on your spending habits to produce charts and spending reports, to help you get an overarching view of all your transactions and track where you’re spending the most money.

Yolt also offers you spending tips and advice, as well as deals on credit and banking products. It then makes a commission if you choose to sign up to one of these.

Yolt is free to use and is one of the most comprehensive spend tracking and budgeting apps out there. If you want to read more, take a look at our Yolt review.

Cleo

Cleo brings something slightly different to the budgeting app party, as it can communicate with you about your finances through text message, Facebook Messenger, Google Assistant or Amazon Alexa.

This virtual financial assistant can give you responses and advice through these channels when you make enquiries about your account balance or spending trends.

It offers a quick sign-up process, and after you’ve linked your bank account, Cleo uses artificial intelligence to analyse your spending data, give you a transaction overview and identify where you might make savings.

Unlike some of the other money management services, you can access Cleo through both a mobile app and a computer-based web browser.

The basic version of Cleo is free to use. Cleo makes some of its revenue by suggesting alternative suppliers (e.g. for energy) that you might want to switch to for a better deal, that will in turn, help you reduce your spending.

Check out our Cleo review for more information.

Plum

Plum is another service that can also be used through Facebook Messenger (which it was originally designed for) or through its own mobile app.

Where Plum is different, is that it combines budgeting, saving and investing.

Its smart software analyses your bank account transactions to understand patterns in your income and spending habits. It calculates an amount it thinks you can realistically save each week, and automatically transfers this to a Plum account. You can also use Facebook Messenger to tell Plum to save more money into or take money back out of this account.

You then also have the option of investing the money you have saved with Plum into an ISA, or funds and shares on the stock market.

Plum’s basic budgeting features are free to use, but there’s a £1 a month fee to use its investment service. Then there’s a fund management and provider fee on top of that, typically varying between 0.08% and 0.90% a year depending on which fund you choose. Remember, your capital is at risk when you invest in this way.

To discover more about how Plum works, you can visit our Plum review.

Get £5 added into your Plum pocket as a new user

• Plum automatically sets money aside for you
• Helps you switch and save money on bills
• Withdraw funds whenever you need
• Analyse your spending to help you own your budget

In order to qualify for £5 cashback, last click must come through the Finder link before downloading app and connecting account. Customers must stay active for at least 30 days. New users only.

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Emma

Saving and budgeting app Emma has a couple of interesting features that differentiate it from the rest.

Emma’s basic version is free to use and works in the same way as its peers, by pooling all of your bank account data. But it has a focus on categorising your transactions and telling you where you’re overspending, including which one of your bank accounts is charging you the most in fees.

Emma also suggests which unused subscriptions you could cancel and tells you if you go over budget on any category spending limits that you decide to set. But it has less in the way of visuals and month-by-month comparisons than some of the other apps.

One interesting point about Emma is its ability to integrate with other types of financial account – so you can check your pension, investment and cryptocurrency holdings, if your provider is one that’s compatible with Emma.

For more details on these integrations and the app in general, have a read of our Emma review.

Moneyhub

Moneyhub offers more personalised service, so it doesn’t just use technology to help you budget, but gives you the option of speaking with an adviser as well.

However, the human touch does come at a price, as Moneyhub is a subscription service (although it doesn’t make any revenue from selling data insights to third parties). If you subscribe through Moneyhub directly, it’s 99p per month or £9.99 per year.

For that, you get the usual breakdown of where you’re spending your money by category, what your future spending forecast looks like and the ability to set savings goals. You can also look at your other financial accounts, covering things like your mortgage, pensions and investments. Plus you can also use the app to connect with a financial adviser.

Our Moneyhub review provides more information.

Compare apps like Money Dashboard

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Name	Product	Ratings	Interest (AER)	Arranged overdraft	Key benefits	Link	Representative example
Current Account - Age 18 and over		Not yet rated	0.05%	15% EAR variable	Award-winning current account, apply in minutes	Go to site	No fees for spending or withdrawing cash overseas - currencies are converted at Mastercard’s standard exchange rate Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 15% EAR variable.		loading Fetching your data...
Everyday Current Account		Not yet rated	0%	39.94% EAR variable	Interest and fee free overdraft for first four months when you switch	Go to site	Up to 15% cashback at a range of major retailers Representative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.94% EAR variable.		loading Fetching your data...
Cashplus Personal Account		Not yet rated	0%	N/A	Guaranteed acceptance plus a credit building feature	Go to site	Account fee of £5.95 per month.		loading Fetching your data...
thinkmoney Managed Current Account		Not yet rated	0%	N/A	Guaranteed acceptance	Go to site	Earn cashback on your purchases when you shop through the ThinkMoney rewards portal Account fee of £10 per month or £15 per month.		loading Fetching your data...

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