{"id":335874,"date":"2020-09-17T17:13:12","date_gmt":"2020-09-17T16:13:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=335874"},"modified":"2026-03-24T12:27:51","modified_gmt":"2026-03-24T12:27:51","slug":"best-savings-apps","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/best-savings-apps","title":{"rendered":"Best money-saving apps in the UK 2026: Build a savings pot"},"content":{"rendered":"

There are times when we could all do with a hand to save money and now many apps are out there that can make it even easier. We\u2019ve rounded up the best savings apps in the UK, what each of them offers and how set up an account. With different types of savings apps, knowing which feature you want can help you choose the best app to suit your needs.<\/p>

Account type comparison<\/h4>

All of these offer free versions of their apps, while some also have premium versions that come with more features. Most of them have FSCS protection up to \u00a3120,000 on savings balances. Some offer a whole range of savings accounts and ISAs, while others only offer simple accounts. See which ones you\u2019re most likely to use when you\u2019re deciding which is best for your needs.<\/p>

<\/th>Chase<\/th>Plum<\/th>Moneybox<\/th>Chip<\/th>Starling<\/th>Revolut<\/th>Monzo<\/th><\/tr><\/thead>
Fees<\/th>None<\/td>Free (basic plan); paid plans available<\/td>Free (basic plan); paid plans available<\/td>Free (basic plan); paid plans available<\/td>None<\/td>Free (basic plan); paid plans available<\/td>Free (basic plan); paid plans available<\/td><\/tr>
Interest rate<\/th>4.75% AER for 6 months on linked savings account, then 3% AER<\/td>Up to 5.11% AER depending on which plan<\/td>Varies based on investment choice<\/td>3.24% AER with Chip Instant Access, 3.30% with Chip Easy Access Saver, 4.06% with Chip Cash ISA<\/td>4% AER on linked savings account<\/td>Up to 5% AER in linked savings account, depending on plan<\/td>Standard rate for savings pots is 3.5% AER, 4% AER for Plus, Premium, Perks & Max<\/td><\/tr>
Investments<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Easy access savings account<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cash ISAs<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Fixed-rate savings<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Notice accounts<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
FSCS protection<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr><\/tbody><\/table><\/div>

Savings features comparison<\/h4>

These all offer a very similar set of features, with round-ups, different savings pots and being able to set up autosaves proving popular. Only some of these have group savings features though, so if that\u2019s important to you, have a look at those apps.<\/p>

<\/th>Chase<\/th>Plum<\/th>Moneybox<\/th>Chip<\/th>Starling<\/th>Revolut<\/th>Monzo<\/th><\/tr><\/thead>
Round-ups<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Savings pots<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Autosave features<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Group savings pots<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr><\/tbody><\/table><\/div>

Budgeting tools comparison<\/h4>

You can categorise your spending, set spending goals and look at savings and spending insights with all of these. If you want a children\u2019s savings account, you\u2019ll have to look elsewhere. Likewise with multicurrency savings accounts and cashback, with only 3 of these providers offering either of those tools.<\/p>

<\/th>Chase<\/th>Plum<\/th>Moneybox<\/th>Chip<\/th>Starling<\/th>Revolut<\/th>Monzo<\/th><\/tr><\/thead>
Categorised spending<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Set spending goals<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Insights features<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Children\u2019s savings<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Multicurrency savings<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cashback program<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr><\/tbody><\/table><\/div>
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