{"id":555490,"date":"2025-03-04T13:30:59","date_gmt":"2025-03-04T13:30:59","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=555490"},"modified":"2026-02-05T10:00:32","modified_gmt":"2026-02-05T10:00:32","slug":"bigmo-app-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/bigmo-app-review","title":{"rendered":"Bigmo app review"},"content":{"rendered":"

Budgeting apps are all the rage these days and the Bigmo app is no exception. But where Bigmo (short for \u2018Big Moments\u2019) stands out is through its mission to make saving and budgeting feel less like a chore and more like a must-win challenge.<\/p>

What is the Bigmo app?<\/h3>

The Bigmo app is designed to make saving fun, transforming budgeting and saving into challenges and games to help you save faster for the big moments in your life. <\/p>

When you download the app, you\u2019ll be able to link all your bank accounts and credit cards to Bigmo. You\u2019ll then be able to set savings goals and take part in gamified competitive missions to reach those goals and help you stay motivated. <\/p>

As you take part in these challenges and reach certain milestones, you can earn \u2018bidz\u2019 \u2013 Bigmo\u2019s in-app virtual currency. You can enter weekly mini games and live auctions to win prizes each week.<\/p>

However, if you overspend, you\u2019ll face penalties that are designed to help you stick to your budget. <\/p>

How does it work?<\/h3>

Once you\u2019ve downloaded the app, follow the steps below:<\/p>

  1. Set your savings goals.<\/strong> Firstly, you need to decide what you\u2019re saving for. This might be a holiday, your first home or paying off debt.<\/li>
  2. Link your accounts.<\/strong> Next, you need to connect your bank accounts and credit cards to the app. <\/li>
  3. Create a spending plan.<\/strong> You can then build a personalised spending plan that aligns with your income, expenses and savings goals. This tells you exactly how much you can spend each month to meet your savings goals. <\/li>
  4. 28-day savings sprint.<\/strong> This challenge is designed to improve your spending habits by building streaks and earning bidz to help you stay motivated. You can even compete against your peers.<\/li>
  5. Earn rewards.<\/strong> Reach savings milestones and collect bidz as you go. You can use bidz to enter auctions for a chance to win a prize. This can include cash, virtual currencies, and experiences. <\/li>
  6. See the big picture.<\/strong> You can view all your finances in one place, track how close you are to reaching your goals and get insights to make adjustments as needed. <\/li><\/ol>

    How much does Bigmo cost?<\/h3>

    The app currently offers a 2-month free trial, after which you\u2019ll pay \u00a35.99 a month. You\u2019ll save 25% if you\u2019re happy to pay annually instead of monthly. <\/p>

    Who is eligible to use the Bigmo app?<\/h3>

    To use the app, you are expected to save at least \u00a3150 a month and 50% of your discretionary spending allowance (leftover cash once all your bills and expenses have gone out of your bank account).<\/p>

    You won\u2019t be able to use the app if your income and fixed expenses give you a discretionary spending allowance of less than \u00a3400, or if your income is less than \u00a3700 a month.<\/p>

    Is the Bigmo app safe?<\/h3>

    Bigmo is regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017. It uses secure Open Banking technology to connect to your accounts and no login details are stored. <\/p>

    Note that Bigmo doesn\u2019t hold any of your cash as it remains in your existing bank accounts. <\/p>

    Pros and cons of Bigmo<\/h3>
    \n
    \n

    Pros<\/h4>\n
      \n
    • Can provide a fun way to motivate you to save<\/li>\n
    • You can create your own personalised spending plan<\/li>\n
    • Opportunity to win rewards when you reach certain milestones<\/li>\n
    • Tracks your spending so you can see how likely you are to meet your goals<\/li>\n
    • Quick to set up<\/li>\n <\/ul>\n <\/div>\n \n
      \n

      Cons<\/h4>\n
        \n
      • Monthly fee applies after free trial<\/li>\n
      • Strict eligibility criteria and you'll need to be committed to saving<\/li>\n
      • Won't connect to every bank or provider<\/li>\n <\/ul>\n <\/div>\n <\/div>\n

        Our verdict<\/h3>

        The Bigmo app won\u2019t be right for everyone, but if you\u2019re looking for a unique way to improve your savings habits while having some fun along the way, it\u2019s certainly worth giving the free trial a go \u2013 provided you meet the eligibility criteria. <\/p>

        What\u2019s more, if you\u2019re a competitive person, you might find the option of competing against your peers particularly motivating, helping you to save for those big goals even faster. <\/p> \n