Snoop

Snoop links to your accounts via Open Banking and focuses on saving you money rather than just showing you charts. It sends 'Snoops', tailored alerts that flag price rises, unused subscriptions, better energy or broadband deals and penalty fees you could avoid. You can set an instant budget in a couple of taps and track spending by category and merchant, with weekly spending reports and a credit-score view thrown in. The core app is free and impressively capable; the optional Snoop Plus tier (~£5.99/month or ~£47.99/year) adds unlimited custom categories, manual accounts, net-worth tracking and custom reports. For beginners who want a low-effort app that does the nagging for you, it's excellent value.