Still, it can be a huge help when travelling abroad or simply converting money from one currency to another.īasically, Wise is a peer-to-peer money transfer service with the main purpose of saving you money from hidden fees charged by traditional banks. Wise, formerly known as TransferWise, is not a money management app like the previous one (the reason for being in the last position). Overall, their users seem to be pretty satisfied with their services: 4.7 out of 5 stars in over 2500 reviews on iOS and 4.5 in 1300+ reviews on Google Play Store. The drawbacks are that not all banks are supported, so a manual process to register your expenses may be required in certain expenses, and it shows no saving category within the app. However, if you want to get a more customizable experience, you can get it for £4.99 a month (or £29.99 for a year).Įmma offers some features you may not find in other budgeting apps, such as receive a referral fee for inviting a friend (you may show the app before without showing your data – “scramble mode”), cashback in certain retailers, and highlight banking fees. So, since it is a free app, there is no need to do the hard work yourself.

The idea is to make you delegate everything to their app, which then can take care of the whole spectrum of your personal finance. Co-Founder, Edoardo Moreni, describes Emma as a “fitness tracker for money”. The company has some agreements in place with products and services suggested to you, such as credit cards, home loan offers, or insurance, without compromising their mission to save money.Įmma is a money management app that helps you avoid overdrafts, find wasteful subscriptions, and give you the control you need over your finances while allowing you to group several accounts in a single platform. It is completely free, so you may be wondering: “How in the world do they make money?”. You may still need to manually insert your spending in certain instances since it has no perfect synchronization tool (yet, we hope!). On the less appealing side, it does not provide much guidance within the app (the desktop version is better). It allows you to connect your bank accounts to see everything in a single place, categorize all your spending so you know exactly what you have been spending your money on, and, over time, Money DashBoard can recognize each transaction and gets better at categorizing them.

Money Dashboard is like a virtual personal assistant app that is excellent for setting your goals, and it has proven to be worthy by over 500.000 clients and by being voted the best personal finance app in 2017, 2018, and 2020.

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