4 options in All Europe
Cleo AI Assistant
Cleo · Budgeting
Monthly fee
Free (Plus from GBP 5.99)
AI features
Chat-based spending insights
Savings mode
Automated round-ups
Monthly fee
Free (Plus from GBP 5.99)
AI features
Chat-based spending insights
Savings mode
Automated round-ups
Emma Money App
Emma · Budgeting
Monthly fee
Free (basic)
Banks connected
50+
Subscription tracking
Yes
Monthly fee
Free (basic)
Banks connected
50+
Subscription tracking
Yes
Plum
Plum · Budgeting
Monthly fee
Free (basic) · From £2.99 (Premium)
Auto-save
AI-powered
Cash ISA
Up to 4.32% (year-1 bonus rate)
Easy-access
Up to 3.63% AER
Monthly fee
Free (basic) · From £2.99 (Premium)
Auto-save
AI-powered
Cash ISA
Up to 4.32% (year-1 bonus rate)
Easy-access
Up to 3.63% AER
YNAB (You Need A Budget)
YNAB · Budgeting
Monthly fee
USD 14.99
Method
Zero-based budgeting
Free trial
34 days
Monthly fee
USD 14.99
Method
Zero-based budgeting
Free trial
34 days