{"id":540138,"date":"2024-08-16T12:12:49","date_gmt":"2024-08-16T11:12:49","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=540138"},"modified":"2026-02-09T11:33:58","modified_gmt":"2026-02-09T11:33:58","slug":"best-mobile-savings-apps","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/best-mobile-savings-apps","title":{"rendered":"Best mobile savings apps"},"content":{"rendered":"<p>If you\u2019re looking to build up a sizable savings pot, you no longer have to go into your local bank branch to open a savings account or send off an application form by post. <\/p><p>Instead, thanks to the rise of mobile savings apps, opening a savings account is much faster, slicker and easier to manage. Many of these savings apps also include innovative features and tools to help you save more, as this guide explains.<\/p><h3>Recommended for easy access savings <\/h3><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Moneybox \u2013 Simple Saver<\/p>\r\n<\/div>\r\n\r\n<div class=\"u-grid u-grid--alignTop\">\r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center>\r\n\r\n<img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png\" class=\"lazy-load has-margin-bottom-small\" alt=\"Moneybox \u2013 Simple Saver\" src=\"https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png\" style=\"width: 100%;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5e1f3c4ca4e67.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/center>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n  \r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n\r\n\r\n\r\n\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\" data-toggle=\"tab\">Why it\u2019s great<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\" data-toggle=\"tab\">Pros\/cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>\r\n<\/ul>\r\n<div class=\"tab-content\">\r\n\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n\r\n    \r\n    \r\n\r\n<div class=\"has-padding-top-small has-padding-bottom-small\">Moneybox is a money management app that allows you to save and invest from \u00a31. Moneybox offers the following savings accounts - 32 Day Notice Savings Account, 95 Day Notice Savings Account, Cash ISA and a Simple Saver account. The app allows users to view their spending, make deposits, and round up any spare change into savings and investments. Round-ups are collected from any linked bank account. Moneybox supports a variety of banks, including American Express and Revolut. Users can earn interest on savings with competitive rates depending on account type. There is also a range of valuable in-app tools, such as a house deposit calculator and an ISA time machine. Moneybox is regulated by the FCA and protected by the FSCS, meaning your money is protected up to \u00a385,000. Moneybox is free to download.<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname1-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"u-grid u-grid--gutterCollapse has-padding-top-small\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-4 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>Open or transfer an account in minutes.<\/li>\r\n\r\n<li>Save \u00a320,000 a year tax free.<\/li>\r\n\r\n<li>FSCS protected.<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-13 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>Only FSCS protection through the regulated banks Moneybox partners with. <\/li>\r\n\r\n<li>App only so no branches or face-to-face support. <\/li>\r\n\r\n<li>\u00a31 monthly subscription fee for all ISA products.<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname2-0cf9df41-15b4-4fcd-b0fe-540710cbfc9c\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n    \r\n<tr>\r\n<th>Withdrawals<\/th>\r\n<td>Withdrawals not permitted<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. opening balance<\/th>\r\n<td>\u00a31<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate<\/th>\r\n<td>2.90% AER variable<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest paid<\/th>\r\n<td>Monthly<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. operating balance<\/th>\r\n<td>\u00a31<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Debit card<\/th>\r\n<td>No<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate with bonus<\/th>\r\n<td>2.9%<\/td>\r\n<\/tr>\r\n    \r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>   \r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article><h3>Recommended for prize savings draws<\/h3><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Chip Clearbank - Cash ISA<\/p>\r\n<\/div>\r\n\r\n<div class=\"u-grid u-grid--alignTop\">\r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center>\r\n\r\n<img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6373761a37025.png\" class=\"lazy-load has-margin-bottom-small\" alt=\"Chip Clearbank - Cash ISA\" src=\"https:\/\/www.finder.com\/niche-builder\/6373761a37025.png\" style=\"width: 100%;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6373761a37025.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6373761a37025.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6373761a37025.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6373761a37025.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6373761a37025.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/center>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n  \r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n\r\n\r\n\r\n\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\" data-toggle=\"tab\">Why it\u2019s great<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\" data-toggle=\"tab\">Pros\/cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>\r\n<\/ul>\r\n<div class=\"tab-content\">\r\n\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n\r\n    \r\n    \r\n\r\n<div class=\"has-padding-top-small has-padding-bottom-small\">Chip is an automatic savings and investing app that uses AI to calculate an affordable amount that can be saved automatically without impacting your day-to-day life. Chip offers 3 savings accounts, including a Cash ISA, an Instant Access account or a Prize Savings account. Chip analyses spending through AI, accessing historical spending through Open Banking. Chip autosaves money into users' accounts every 4 days, offering 5 'save levels' so users can save at a slower or faster pace. Chip also has the option to adjust and approve any autosave before the money is moved. Chip is compatible with most UK bank accounts and is regulated by the FCA. Whilst Chip is not a bank, it is FSCS protected as Chip\u2019s savings accounts are provided by UK authorised ClearBank Ltd. The app also allows users to earn interest on savings, including 4.84% with the Cash ISA and 4.58% with the Instant Access Account. Chip is free to download but the autosave feature will cost 45p per autosave as well as 25p per recurring save.<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname1-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"u-grid u-grid--gutterCollapse has-padding-top-small\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-4 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>Win a share of \u00a387.5k in prizes each month.<\/li>\r\n\r\n<li>Access your money anytime.<\/li>\r\n\r\n<li>FSCS protected.<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-13 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>Not compatible with all banks (e.g. Chase). <\/li>\r\n\r\n<li>App only so no branches. <\/li>\r\n\r\n<li>Recurring saves and autosaves come with a fee, even on the free-to-use account. <\/li>\r\n\r\n<li>Only FSCS protection through the regulated banks Chip partners with.<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname2-94af4916-cef4-4c1d-93b5-1b5b1473cd5e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n    \r\n<tr>\r\n<th>Withdrawals<\/th>\r\n<td>Easy access<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. opening balance<\/th>\r\n<td>\u00a31<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate<\/th>\r\n<td>3.55% AER variable<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest paid<\/th>\r\n<td>Monthly<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. operating balance<\/th>\r\n<td>\u00a31<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Debit card<\/th>\r\n<td>No<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate with bonus<\/th>\r\n<td>3.49%<\/td>\r\n<\/tr>\r\n    \r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>   \r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article><h3>Recommended for high interest savings ISA<\/h3><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Plum \u2013 Plum Cash ISA<\/p>\r\n<\/div>\r\n\r\n<div class=\"u-grid u-grid--alignTop\">\r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center>\r\n\r\n<img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png\" class=\"lazy-load has-margin-bottom-small\" alt=\"Plum \u2013 Plum Cash ISA\" src=\"https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png\" style=\"width: 100%;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66cde228448ee.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/center>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\t<a class=\"luna-button luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/digital-banking\/plum-savings-review\" role=\"button\">Read review<\/a>\r\n\r\n\r\n\r\n<\/div>\r\n  \r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n\r\n\r\n\r\n\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\" data-toggle=\"tab\">Why it\u2019s great<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\" data-toggle=\"tab\">Pros\/cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>\r\n<\/ul>\r\n<div class=\"tab-content\">\r\n\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n\r\n    \r\n    \r\n\r\n<div class=\"has-padding-top-small has-padding-bottom-small\">Plum\u2019s cash ISA pays one of the highest interest variable rates in the market for the first 12 months when you open a new account. Any money you deposit with Plum has FSCS protection up to \u00a385,000 per person. You\u2019re allowed to make 3 withdrawals per year without penalty, but any more than that will mean your rate is reduced. You also need to make sure your balance is over \u00a3100 to keep the bonus rate. You can open a cash ISA in the Plum app and there\u2019s no subscription fee to do so, but if you want other Plum products or features you might need to pay a fee<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname1-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"u-grid u-grid--gutterCollapse has-padding-top-small\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-4 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>No account-opening fees<\/li>\r\n\r\n<li>High interest rate for new accounts<\/li>\r\n\r\n<li>FSCS protection<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n<ul class=\"list-13 no-margin-top no-margin-left\">\r\n\r\n\r\n<li>Rate drops if you make too many withdrawals or your balance drops below \u00a3100<\/li>\r\n\r\n<li>High rate is only for 12 months<\/li>\r\n\r\n<li>Not a flexible ISA<\/li>\r\n\r\n\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"tab-pane\" id=\"pb-tabname2-d164d1e5-ef8b-491d-9b51-a3ab9a130d62\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n    \r\n<tr>\r\n<th>Withdrawals<\/th>\r\n<td>Withdrawals not permitted<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. opening balance<\/th>\r\n<td>\u00a31<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate<\/th>\r\n<td>4.92% AER variable\r<br>\r<br> (on balance over \u00a3100)\r<br>\r<br>\r<br> (includes a 1.61% bonus <span class=\"table-popover bonusnote\" rel=\"popover\" data-content=\"Rate includes 1.61% bonus for 12 months from \u00a3100.\" title=\"More info\" data-original-title=\"\"><\/span>)<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest paid<\/th>\r\n<td>Monthly<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Min. operating balance<\/th>\r\n<td>\u00a30<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Debit card<\/th>\r\n<td>No<\/td>\r\n<\/tr>\r\n    \r\n\r\n    \r\n<tr>\r\n<th>Interest rate with bonus<\/th>\r\n<td>3.25%<\/td>\r\n<\/tr>\r\n    \r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>   \r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article><h3>Why might they be preferable to a traditional savings account?<\/h3><p>The idea behind mobile savings apps is to help you save more easily and reach your financial goals faster \u2013 and with less effort. Many of these apps are equipped with tools and features to help you save without even thinking about it \u2013 all you need to do is watch your savings grow.<\/p><p>Applying for one of these savings apps is typically quicker and more convenient than opening a traditional savings account. To apply, all you need to do is download the app itself, provide a few personal details and you\u2019re ready to go. There\u2019s no hassle of heading out to your nearest bank branch or filling in lengthy forms. <\/p><p>Once you\u2019re set up, you can pay money into your account and often start earning interest the same day. By contrast, with a traditional savings account, it might be a few days before your account is up and running.<\/p><h3>The different types of savings apps<\/h3><p>When comparing savings apps you might come across the following types and features:<\/p><p><strong>Cash ISAs<\/strong><br>Some savings apps allow you to open cash ISA accounts so you can shelter the interest you earn from tax. You can pay up to \u00a320,000 into an ISA each tax year. You can pay the full allowance into one account or spread it across different ISA accounts.<\/p><p><strong>Easy access savings accounts<\/strong><br>Many savings apps let you open interest-paying easy access savings accounts too. These give you access to your funds instantly and can be ideal for emergency funds. <\/p><p><strong>Savings pots<\/strong><br>Some apps might offer different savings \u2018pots\u2019 for different purposes. This means you can set them up for a range of savings goals \u2013 one for a holiday, one for a house deposit and so on. You\u2019ll typically earn interest on these savings pots, but they might not be the most competitive rates. <\/p><p><strong>Prize draws<\/strong><br>Apps like Chip offer a prize savings account, whereby you\u2019re entered into a prize draw instead of earning interest on your money \u2013 you could win up to \u00a375,000. The number of entries is determined by your average balance over the month. The earlier you deposit your money, the more entries you\u2019ll have.<\/p><p><strong>Automatic round-ups<\/strong><br>Some apps will round up your bank account transactions to the nearest pound and transfer the difference to a savings account \u2013 helping you to save without even noticing. For example, if you bought a coffee for \u00a33.50, the transaction would be rounded up to \u00a34 and the extra 50p transferred to your account. <\/p><h3>Pros and cons of savings apps<\/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>Quick and easy to set up<\/li>\n                                    <li>Can help you reach your savings goals faster<\/li>\n                                    <li>Include tools and features to help you save effortlessly<\/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>Your money won't always be protected under the Financial Services Compensation Scheme (FSCS)<\/li>\n                                    <li>You may have to pay a monthly fee to access certain features<\/li>\n                                    <li>You might not necessarily be getting the best interest rates<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>Mobile savings apps can be a convenient way to help you save money with minimal effort. Whether you\u2019re saving for a house deposit or simply want to build up a savings fund for emergencies, savings apps can help you reach those goals faster. <\/p><p>However, when comparing mobile savings apps, watch out for fees and also check whether your funds will be protected under the FSCS (or any other safeguarding scheme).<\/p><p>It\u2019s also worth bearing in mind that many digital banks such as Starling and Chase offer a range of similar features and tools to help you budget and save. So, you might want to compare these too.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing 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>We explore some of the best mobile savings apps and how they work so you can choose the right one for you.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","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":[1181],"tags":[],"asset_tag":[],"class_list":["post-540138","post","type-post","status-publish","format-standard","hentry","category-savings-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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