What money apps really cost, read from the source.
Banking, payroll, invoicing, savings and more. Every price is read from the provider and dated, and a calculator shows what it comes to for you.
Categories
Each one has a US list, a UK list, a calculator and a guide.
AccountingInvoicing & accounting
Bookkeeping and invoicing software for sole traders, freelancers and small firms.
Payroll
Business banking
Expense cards
Neobanks
RemittanceSending money abroad
Services for sending money to family and suppliers in other countries.
Investing
Tax
Budgeting
Credit builders
SavingsHow the lists are ordered
Read at the source
Prices, fees and rates come from each provider’s own page, with the date we read them.
Run through a calculator
Each list is ordered by its category calculator at a stated reference profile, which you can change.
Gaps stay gaps
If a provider does not publish a fee, we say so. We never fill it in, and that entry ranks after fully priced ones.
Guides
How the fees, protections and rules work, for the US and UK side by side.
APY, AER and APR: how interest rates are quoted in the US and UK
What APY, AER, gross rate and APR mean, how compounding changes the numbers, and how to compare rates on the same basis.
Guide · US & UKZero-based, 50/30/20 and envelope budgeting: how they differ
Three common budgeting methods explained with worked examples, including how each copes with irregular freelance income.
Guide · US & UKCharge, credit, debit and prepaid expense cards: how they differ
The four kinds of company card behind expense platforms, and what each means for repayment, interest, limits and who holds your money.
Guide · US & UKHow exchange-rate markups hide the real cost of sending money abroad
The fee is only part of what a transfer costs. Here is how to measure the margin hidden in the exchange rate, with worked examples.
Guide · US & UKFDIC vs FSCS: what protects a business account, and what e-money and fintech accounts lack
How deposit protection works for business accounts in the US and UK, and what changes when a fintech, partner bank or e-money institution sits in the middle.
Guide · US & UKHow credit-builder loans work, and what they really cost
A credit-builder loan holds the money you borrow as savings until you have repaid it. Here is how it works and what it costs.