Best apps to save money in the UK 2023

Best apps to save money in the UK 2023

Who doesn't appreciate a fantastic bargain? Regardless of whether you're a cash-strapped student, a busy parent attempting to balance the budget, or simply a savvy shopper who loves a great deal, the UK boasts an array of apps designed to help you maximise your spending power. From grocery savings to investment opportunities, there's an app to cover practically every aspect of your financial life.

To guide you through this digital maze, we've put together a list of the top money-saving apps in the UK. With a lighthearted approach and an eye for discounts, we'll walk you through each app's distinctive features and how they can assist you in keeping more money in your pocket. So, grab your smartphone and let's get started!


Why purchase new items when you can save money by buying pre-owned? Shpock, known as "the boot sale app," allows you to buy and sell used products in your local area. From clothing and furniture to electronics and automobiles, Shpock has something for everyone.

Shpock is not only an excellent way to declutter your home and earn extra cash, but it's also a valuable resource for bargain hunters seeking to save money on their next acquisition. With a user-friendly interface and an integrated chat feature, finding great deals in your neighbourhood has never been easier.

YNAB (You Need A Budget)

We all recognise the significance of budgeting, but adhering to one can prove challenging. YNAB, or You Need A Budget, is a revolutionary app designed to help you manage your finances more effectively.

YNAB's philosophy is built on four basic principles: Assign every pound a purpose, embrace your true expenses, adapt to changes, and let your money age. With these guidelines in mind, the app assists you in creating a practical budget, tracking your spending, and making necessary adjustments as needed. YNAB also offers you detailed reports and insights, enabling you to see precisely where your money is going and make smarter financial choices.

Their welcoming, supportive community and extensive collection of resources make it easier than ever to commit to your budget and achieve your financial objectives. Although YNAB isn't free, many users attest to its effectiveness and claim that the investment quickly pays for itself in the form of savings.


As a frequent shopper, why not reap the rewards? Storewards is an app that allows you to accumulate points every time you shop at participating retailers. Simply snap a photo of your receipt, upload it to the app, and watch your points pile up.

Once you've gathered enough points, you can redeem them for gift cards from popular retailers such as Amazon, Tesco, and more. While it won't make you wealthy, Storewards is a fun and simple way to gain a little extra from your regular shopping excursions.


For those with a passion for hunting deals, Hotukdeals is the app you'll love. This user-driven platform enables members to share and discover the most attractive deals, vouchers, and discounts available throughout the UK. From groceries and electronics to fashion and travel, Hotukdeals spans a broad range of categories. The app utilizes a voting system that prioritizes top deals, saving you time by eliminating the need to sift through countless offers. Additionally, push notifications for your chosen categories ensure you'll always be in the loop about amazing deals.


Cashback is universally adored, and TopCashback takes it to the next level. As the premier cashback website in the UK, TopCashback allows users to earn a portion of their money back on online purchases.

With a roster of over 5,000 retailers, including Amazon, eBay, and Argos, you're sure to find your go-to shops on the platform. To get started, simply register an account, explore available offers, and proceed to the retailer's site. Complete your purchase as usual, and TopCashback will monitor your transaction and add the cashback amount to your account. Once you've accumulated sufficient earnings, you can withdraw your cashback as actual cash, gift cards, or opt to augment your savings with a bonus.

Too Good To Go

It's not unusual to waste food now and then, but did you realise that this waste also impacts your wallet? Too Good To Go is here to change that. This innovative app links you with local eateries, cafes, and shops offering surplus food at reduced prices. You save money while helping to minimise food waste—a double win!

Simply install the app, browse available deals in your vicinity, and reserve your discounted "Magic Bag." The contents may be a surprise, but that's part of the excitement! With Too Good To Go, you'll relish delectable food at a bargain, all while contributing to a greener environment.


Putting money aside can be tedious, but Chip simplifies the process. This intelligent app connects to your bank account, evaluates your spending patterns, and automatically saves an affordable amount. Say farewell to manual transfers and hello to hassle-free saving!

Chip employs AI to make saving a breeze, removing the stress from building your rainy-day fund or saving for your dream getaway. Plus, with the Chip+1 account, you can earn a leading return on your savings. Who knew saving could be enjoyable and lucrative?

Nova Money

Fed up with living from one payday to the next? Nova Money could be the solution you've been searching for. This all-in-one finance management app combines budgeting, saving, and investing features in a single platform.

With Nova Money, you can establish financial objectives, develop budgets, and monitor your expenditures in real-time. The app even provides personalised recommendations and insights to help you save more and spend less. Whether you're saving for a house deposit or paying off debt, Nova Money empowers you to take control of your financial destiny.

These exceptional UK apps have made saving money more effortless than ever. Catering to every aspect of your financial life, from budgeting and investing to shopping and reaping rewards, there's an app for every need. Don't delay; download these apps now and maximize your hard-earned income. Your wallet will surely thank you!