10 Money-Saving Apps You Should Have on Your Phone

Saving money doesn’t have to mean spending hours hunting for discounts or creating spreadsheets. With the right apps on your phone, you can easily find coupons, track your budget, earn cashback, and access great deals—all from the palm of your hand! Here’s a list of ten money-saving apps available in the UK that are practical and straightforward to use.

TopCashback

TopCashback offers cashback on a wide range of online purchases. Simply shop through the app to earn a percentage back from hundreds of retailers, including popular brands for travel, fashion, and groceries. They offer high cashback rates and even have a “Highest Cashback Guarantee” if you find a better rate on another site. It’s a great way to earn money back on purchases you would make anyway, so it’s like getting a discount every time.

Honey

Honey scours the web for the best discount codes and automatically applies them to your shopping basket. It’s especially helpful for online shopping, as it saves you the time of hunting down discount codes. You can also earn points on purchases, which are redeemable for gift cards. You don’t have to search for coupons; Honey does the work for you!

Monzo

Monzo is a digital bank with budgeting tools that make it easy to keep track of your spending. You can set monthly budgets for categories like groceries, dining, and bills. The app sends notifications in real-time as you spend, helping you stay on top of your finances. Monzo’s budgeting features are built right into your bank account, so everything’s in one place.

Emma

Emma connects with your bank accounts to track spending and highlight areas where you could cut back. It’s also great for spotting subscriptions you might have forgotten about, allowing you to cancel them directly from the app. Emma shows you exactly where your money is going, helping you identify spending habits and make better choices.

VoucherCodes

VoucherCodes offers discounts on top UK retailers and restaurants, from online shopping to dining out. You can redeem in-store or online vouchers and find special offers updated regularly. It’s a one-stop shop for deals across retail, dining, and entertainment.

CheckoutSmart

CheckoutSmart offers cashback on groceries from major supermarkets like Tesco, Sainsbury’s, and Asda. Simply snap a photo of your receipt after shopping, and you’ll get cashback on eligible products. They often feature free product trials and exclusive cashback deals. It’s an easy way to earn cashback on essential groceries.

Moneybox

Moneybox rounds up your daily purchases to the nearest pound and invests the difference in stocks and shares ISAs. It’s a great app if you’re new to investing and want to start with small amounts while building savings over time. It helps you build up savings and investments gradually without even noticing.

Too Good To Go

Too Good To Go partners with restaurants and supermarkets to offer “Magic Bags” filled with surplus food at a discount. You purchase a bag through the app, and then collect it from the location. The contents are a surprise, but it’s a great way to get quality food at a reduced price while helping reduce food waste.

Shoppix

With Shoppix, you earn points by snapping photos of your shopping receipts, which can be redeemed for gift cards or PayPal credit. It’s a simple way to make a bit of extra cash on the side, just by recording your everyday purchases. You’re rewarded for shopping you’re already doing, making it a low-effort way to save.

Snoop

Snoop analyses your spending and sends you customised tips to help you save. It also alerts you to better deals on subscriptions and bills, offering recommendations tailored to your habits. The app includes tips on energy savings, broadband deals, and more. Snoop finds the savings for you, giving you helpful insights and reminders.

With these apps, saving money can fit naturally into your day-to-day life. The best part is that many of these apps work passively, helping you to save without much effort. Try a few, and see which ones work best for your needs. Just remember to avoid impulse buys while using these apps—sometimes the best way to save is simply by holding off on purchases altogether!