Quirk Money

Quirk Money review

It's a budgeting app that puts your financial personality type front and centre.

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Personality test to give unique insights
Not all accounts can be linked

Quirk Money is a budgeting app that helps users understand their money habits through a science-based personality test. Looking to stand out from other budgeting apps on the market, Quirk promises tailored spending plans and guidance based on which financial personality type you are.

What is Quirk Money?

Quirk Money is a budgeting app designed to help you manage your money. It puts all your current accounts, savings accounts and credit cards in one place, so you can easily see where your money is going. However, unlike other budgeting apps, Quirk looks to give you insights and tips based on your “money personality”.

How does Quirk work?

Quirk aggregates all your bank accounts and credit cards in one app. Here are the other features it offers:

  • Personality test. Quirk asks users to take a personality test to find out their “Money Personality”.
  • Automatic categorisation. It categorises your spending so you can see where your money is going. You can also create your own categories for anything it might have missed.
  • Spending plan. You can use tailored insights based on your money personality and spending habits to set your budget.
  • Net-worth view. Quirk allows you to add balances from other financial services you want to track, such as your student loan or your mortgage.
  • Recurring payments. You can view your recurring payments in one location so you can keep track of what’s coming up.
  • Financial tools. Easily access financial tools such as checking your credit score or talking to a financial adviser.
  • Suggested switches. Quirk can see how much you are paying on your bills and suggest an alternative. Just keep in mind that it could be earning a commission if you click on a suggested link and make a purchase.

Who is Quirk for?

Quirk is for anyone who wants to have more visibility on their finances and who is keen to educate themselves about money. It is more suited to someone who is happy to manage their finances on their phone, as it is purely app-based.

What are the benefits?

One of Quirk’s unique offerings is its personality test. When you sign up, you will be asked to answer a series of questions about your attitude to money. You will then receive your “Money Personality” type: Explorer, Artist, Blissful and Optimiser. The idea is that from this, you will be able to create a spending plan that suits your spending habits.

Other than the typical budgeting tools, the Quirk app will also see how much you are spending on your bills and suggest switches to a cheaper deal.

How to apply for Quirk Money

  1. Scan the QR code on Quirk’s website.
  2. Download the app.
  3. Create an account with your name and email address.
  4. Complete the personality test.
  5. Connect your bank accounts.

How safe is Quirk?

You might feel unsure about providing a third-party app with all your banking credentials. But Quirk is read-only, so it can’t touch your money. It has bank-level security in end-to-end-256-bit TLS encryption. It also uses Plaid Financial Ltd. Plaid links your UK bank account and provides you with regulated account information through Quirk as its agent.

Pros and cons

Pros

  • Grouping all your accounts into one place makes budgeting easier
  • Personality test to give unique insights
  • Easy-to-use app with a number of budgeting features
  • Notifications to keep you updated
  • Net-worth overview
  • Financial guides integrated into the app

Cons

  • Not all accounts can be linked
  • Personality test doesn’t give any solid actions
  • Like most budgeting apps, it’s read-only – so you can’t move money between accounts or make payments.

Our verdict: Is the product any good?

Quirk is a slick service that offers everything you would expect from a budgeting app. It’s easy to sign up to and navigate once you have created your account. There are some interesting features in the form of switching suggestions and the ability to view your whole net worth. However, its unique selling point – its personality test – is more of just an interesting quirk (pun intended). Beyond giving you some insight into your money habits, it doesn’t translate to any actionable guidance or tailored features yet.

To get started, visit Quirk’s website and download the app. If you have read this review and the app is not for you, you can also discover more budgeting apps.

Frequently asked questions

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