{"id":467158,"date":"2022-10-19T08:27:26","date_gmt":"2022-10-19T07:27:26","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=467158"},"modified":"2026-02-11T09:28:52","modified_gmt":"2026-02-11T09:28:52","slug":"quirk-money-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review","title":{"rendered":"Quirk Money review"},"content":{"rendered":"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. <h3>What is Quirk Money?<\/h3><p>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 \u201cmoney personality\u201d. <\/p><h3>How does Quirk work?<\/h3><p>Quirk aggregates all your bank accounts and credit cards in one app. Here are the other features it offers: <\/p><ul><li><strong>Personality test.<\/strong> Quirk asks users to take a personality test to find out their \u201cMoney Personality\u201d.<\/li><li><strong>Automatic categorisation.<\/strong> 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.<\/li><li><strong>Spending plan.<\/strong> You can use tailored insights based on your money personality and spending habits to set your budget.<\/li><li><strong>Net-worth view.<\/strong> Quirk allows you to add balances from other financial services you want to track, such as your student loan or your mortgage.<\/li><li><strong>Recurring payments.<\/strong> You can view your recurring payments in one location so you can keep track of what\u2019s coming up.<\/li><li><strong>Financial tools.<\/strong> Easily access financial tools such as checking your credit score or talking to a financial adviser.<\/li><li><strong>Suggested switches.<\/strong> 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.<\/li><\/ul><h3>Who is Quirk for?<\/h3><p>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.<\/p><h3>What are the benefits?<\/h3><p>One of Quirk\u2019s 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 \u201cMoney Personality\u201d 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. <\/p><p>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. <\/p><h3>How to apply for Quirk Money<\/h3><ol><li>Scan the QR code on Quirk\u2019s website.<\/li><li>Download the app.<\/li><li>Create an account with your name and email address.<\/li><li>Complete the personality test.<\/li><li>Connect your bank accounts.<\/li><\/ol><h3>How safe is Quirk?<\/h3><p>You might feel unsure about providing a third-party app with all your banking credentials. But Quirk is read-only, so it can\u2019t 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. <\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Grouping all your accounts into one place makes budgeting easier<\/li>\n                                    <li>Personality test to give unique insights<\/li>\n                                    <li>Easy-to-use app with a number of budgeting features<\/li>\n                                    <li>Notifications to keep you updated<\/li>\n                                    <li>Net-worth overview<\/li>\n                                    <li>Financial guides integrated into the app<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Not all accounts can be linked<\/li>\n                                    <li>Personality test doesn\u2019t give any solid actions<\/li>\n                                    <li>Like most budgeting apps, it\u2019s read-only \u2013 so you can\u2019t move money between accounts or make payments.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Customer service information for Quirk Money<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Our verdict: Is the product any good?<\/h3><p>Quirk is a slick service that offers everything you would expect from a budgeting app. It\u2019s 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 \u2013 its personality test \u2013 is more of just an interesting quirk (pun intended). Beyond giving you some insight into your money habits, it doesn\u2019t translate to any actionable guidance or tailored features yet.  <\/p><p>To get started, visit Quirk\u2019s website and download the app. If you have read this review and the app is not for you, you can also discover more <a href=\"https:\/\/www.finder.com\/uk\/budgeting\/best-budgeting-app\">budgeting apps.<\/a><\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What banks does Quirk work with?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Quirk Money can connect to the following banks: <\/p><ul><li>Nationwide<\/li><li>Halifax<\/li><li>Barclays<\/li><li>Monzo<\/li><li>Revolut<\/li><li>American Express<\/li><li>Santander<\/li><li>NatWest<\/li><li>Lloyds Bank<\/li><li>Starling<\/li><li>M&amp;S Bank<\/li><li>The Co-operative Bank<\/li><li>First Direct<\/li><li>HSBC<\/li><li>Royal Bank of Scotland<\/li><\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Does it cost anything?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Quirk Money is free to use. It makes its money through links to other sites, which it will then earn a commission if you click on them and make a purchase.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Are there any alternatives to Quirk?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>There are several alternatives to Quirk including HyperJar and Emma. Discover more in our round-up guide of the <a href=\"https:\/\/www.finder.com\/uk\/budgeting\/best-budgeting-app\">best budgeting apps.<\/a><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Interested in knowing more about your money habits? We explore the features on offer from the personality-test-based budgeting app Quirk Money.<\/p>\n","protected":false},"author":1329,"featured_media":467161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[120727],"tags":[],"asset_tag":[],"class_list":["post-467158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quirk Money review 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Interested in knowing more about your money habits? We explore the features on offer from the personality-test-based budgeting app Quirk Money.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quirk Money review\" \/>\n<meta property=\"og:description\" content=\"Interested in knowing more about your money habits? We explore the features on offer from the personality-test-based budgeting app Quirk Money.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-19T07:27:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/quirk_450x250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kate Steere\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/KateSteere_UK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kate Steere\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\"},\"author\":{\"name\":\"Kate Steere\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df\"},\"headline\":\"Quirk Money review\",\"datePublished\":\"2022-10-19T07:27:26+00:00\",\"dateModified\":\"2025-09-24T14:49:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\"},\"wordCount\":947,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/quirk_450x250.png\",\"articleSection\":[\"Budgeting\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\",\"url\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review\",\"name\":\"Quirk Money review 2026 | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/budgeting\/quirk-money-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/quirk_450x250.png\",\"datePublished\":\"2022-10-19T07:27:26+00:00\",\"dateModified\":\"2025-09-24T14:49:25+00:00\",\"description\":\"Interested in knowing more about your money habits? 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