I've found Yolt to be decent. I've found http://moneydashboard.com/ to be useful for analysing spending, and also for tracking budgets afterwards. This App helps you finding your Phone, Tablet or Watch within seconds. I am more self disciplined because of Yolt and in 6 months it managed to help me save 12k! Out of the two, Moneydashboard were much more transparent about the 3rd party company which handles all your confidential banking credentials on their behalf. The banks had until the end of March to release their APIs so I expect it to work by the end of April. I tag cash withdrawals as Entertainment/eating out as that's where I'm trying to save. I have 2 current accounts, 1 savings account and 1 credit card and keeping track of all that without a tool like Yolt would be a mission. The average price target stands at $17.77, which implies a modest upside of nearly 5%. My only problem with it is that it doesn’t play nice with Starling and their savings goals. They seem to support most banks and are implementing Open Banking as fast as they can. 3. It stopped synching with my four accounts and I kept having to log in, which defeated the purpose entirely. Learn More: https://emma.to/willarmstrong Emma is a free financial management app that helps you take control of your finances. Blog1: You Only Look Twice — Multi-Scale Object Detection in Satellite Imagery With Convolutional Neural Networks (Part I) 3. For example: #!/bin/bash Type in the example program using a text editor, and save it. [1] https://www.fca.org.uk/consumers/account-information-and-payment-initiation-services, !thanks a lot for this! Issued under license by Mastercard International. And if a status is shown as “See full details”? What’s the difference between Approved and Authorised? Yolt review – The free money management app you NEED to download. Some of the positive reviews describe it as: Amazing app and best in class support Love being organised so Yolt … I had to ask Yolt quite a few times before they'd reveal who this 'partner' was (both use the same: Yodlee). Cons: Can't specify paydays, long sync. I tell you what – it’s a game changer. Yolt’s ‘Pay Beta’ provides UK users with a chance to trial, provide feedback, make suggestions and aid in building and developing the new functionality with Yolt. Agreed. I’m a bit confused by the FCA registrar and the statuses. Money-saving, Tech, Start-ups. The app works like the other three, but seems very basic. Radio silence. It doesn’t rank so well over on Google Play, where it has an average score of 3.3 out of 5 from around 4,000 Android app users. The firm says UK users can do the trial, provide feedback, make suggestions and aid in building and developing the new functionality. 2. It's fine, but ultimately I found it less simple that siloing spending by type. Press question mark to learn the rest of the keyboard shortcuts, https://www.fca.org.uk/consumers/account-information-and-payment-initiation-services. Out of the two, Moneydashboard were much more transparent about the 3rd party company which handles all your confidential banking credentials on their behalf. 30 May 2018 App review: Yolt (4.5 stars) Natasha May. Emma, on the other hand? Yolt has a rating of 4.2 out of 5 stars from 262 reviews on Trustpilot and is described as ‘great’. I don't worry about that money as I'm "allowed" to spend it). Their support seems to be the co-founders replying to messages in a rather unhelpful and unfriendly manner. AFAIK Yolt uses Open Banking only for certain banks and relies on scraping. 10/10 would definitely recommend Yolt helps you to find your lost AirPods, Apple Pencil,iPhone, iPad, Apple Watch and more. One thing I am still uncertain about is if a company is already subject to a very high level of FCA regulation (such as a bank), does it mean it doesn't need to bother registering as a AIS/PIS provider if it wants to provide these services? ‎It’s time to power up and take your money game to the next level. I tried four apps today, Yolt, Emma, Money Dashboard and Tandem. So if you use cash at all, your Yolt figures will be inaccurate. Although Money Dashboard won multiple awards I find their UI to be the most basic and unfriendly. The only downside for me currently is that they don’t support Starling’s Goals so my savings are nonexistent when viewed through the app. I just moved out and would like to budget better- I have a decent salary and save a decent amount per month but I’ve never been very careful with my money and I’d like to get better. It allows me to aggregate my spending across all of my accounts - there's no point me using something like Monzo for day to day spending when I could be using Amex and earning points or cashback. Thanks so much for dropping us a review, Tracy! Emma seems to be the most useful for me now, they support a lot of banks and also show Starling Goals so I can see all my money. In theory - if the banks don't provide an open banking API, even if you provide your log-in and password to a FCA approved service, they cannot wash their hands of liability. Move around so that the shown distance score increases. Else it risks becoming a chore. If cash needed for something particular then I tag what the majority of the cash is for. However, I only ever use cash when I'm forced to and usually it's for very low amounts. OB syncing seems to work well with Starling and Halifax at least. When I take cash out of the ATM, say £50, I class it as "expenses" on Yolt and this cash lasts me for months. Yolt announced on Monday it has begun beta testing for its smart thinking money app, Yolt Pay. We're super happy to hear about your thoughts on Yolt! Yolt is the one I’d trust most as there’s an actual bank behind them. I like it. Yolt review – The free money management app you NEED to download. As long as the service you are using (e.g. Man really has affinity to traveling that this is also evident with the toys we give our kids. Not sure if it's still active but here's a link to a 4 month free trial: https://www.reddit.com/r/ynab/comments/agxpw7/heres_a_link_to_a_4_month_free_trial/, New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Looks like you're using new Reddit on an old browser. Money Dashboard Review. Yolt is a new money management app that promises to make tracking your spending easier than ever. One thing I would like is a better "overall summary" which doesn't just show you your total balance but also its evolution over time. I posted this in another thread, but I think it's useful if you were on unsure about screen scraping.. Tthe changes that came into effect on Jan 13th (third party providers) permit sharing credentials [1]. We're really pleased to hear Yolt is helping you see where your money is going. ... Yolt Review. Yolt’s UK community can now test payments with six high street banks – Lloyds, Bank of Scotland, Halifax, RBS, Natwest and Ulster Bank – before a full roll-out later this year. Tl;dr, all these products fall short on my expectations, so I’m not going to use any of them for now. Obviously, you could do this all manually, but having it all easily in MoneyDashboard reduced the friction enough that I could actually set some budgets. I asked both Yolt and Moneydashboard if there was a way to handle this, both said 'no' but it was a feature their dev teams were thinking about implementing in the future. So think about how often you use cash or receive money in cash. 4. ‎Read reviews, compare customer ratings, see screenshots and learn more about Yolt – the smart saving app. I have several current and savings accounts and yolt makes it easy to see all my money and where it is. I was quite wary of them until the Open Banking came into force, but now I trust Yolt as I don’t have to give them all my login details. Cool sports cars and motorized vehicles have come a long way and our little ones are also in on the advancements. Around 60% of customers rated the app as excellent with comments such as 'works flawlessly' and 'one of the best finance apps available'. https://help.moneydashboard.com/hc/en-us/articles/215854563-How-do-I-split-transactions-. 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