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Today I want to introduce you to a new app, or rather a new money-savvy little friend…Say Hello to Snoop

I don’t know about you but at the moment I’m finding that some areas of my budget are way out of line from what they normally would be, add into that the stress of not getting the same wage as I usually would, I’m having to spend a lot more time balancing my numbers. Luckily there is a new app available called Snoop that can help you get back on top of your budget, make sure you aren’t overpaying for your regular bills and find discounts for the places you shop.

What is Snoop

Snoop is a free mobile app that works 24/7 looking at how and where you spend your money to see if there are smart ways to save or reduce your regular bills.

How does it work?

Snoop uses open banking to connect your bank accounts, savings accounts and credit cards all in one place.

By having everything in one place it can help you build a better overall view of your money situation. Snoop keeps an eye on who’s taking your money (so things like your utilities, mobile phone provider, insurance companies) to see if there are better deals available for you – they make sure that you are never ripped off and they’ll even help you to switch if there is a saving to be made.

They also work alongside partners such as Quidco and VoucherCodes to see if there are discounts you can be using for your favourite retailers.

Your own set of ‘Snoops’

Every few days your little Snoop bot will pop up a notification to let you know that its got a new set of personalised ‘Snoops’ for you to check out. These can be anything from letting you know about a new handy app you could download like Too Good To Go to, showing you where to get a discount on your favourite shop or letting you know about important finance and business news stories that could impact you.

What banks can it connect to?

At the moment Snoop can connect to

and they are adding new banks all the time. If you can’t see your bank here then you can let Snoop know and they will work on getting it added.

Snoop has skills, a very particular set of skills…

Snoop is always learning new ways to help you out. At the moment Snoop has the ability to

• See all of your accounts in one place
• Keep an eye on your mobile phone bill and check for savings
• Work out which rewards miles you’re collecting and spot opportunities for you to earn them
• See if you are overpaying on your energy bills and help to move you to a better deal
• Remind you about upcoming insurance renewals.
• Spot new voucher codes for your favourite retailers
• Track your travel bookings and keep the info in one place

Honestly, that’s just a small selection of its current skills.

…AND he’s learning new ones all the time!

You can see a list of the upcoming skills to be added here, there are some really interesting ones coming soon such as the Mortgage Minder (it’ll check your monthly mortgage bill against the market to see how it stacks up) and Payday Predictor (so that it can help you get ahead of any end-of-month money issues)

Is there a catch? How does Snoop make money?

Just like any business Snoop has to make money but they have made sure they do this without any cost to their customers. If you move to a new product or service because of Snoop then Snoop may get a payment (much in the same way as Refer a Friend schemes work)They will always tell you if this is the case and the app will only ever suggest a switch that is best for you. They also help other businesses spot trends by pooling and anonymising all the transaction data they hold – your personal data will NEVER be used and the anonymised data has no link to you or your details whatsoever.

Is Snoop safe?

Yes, Snoop is very safe. They have the same high standards of security that your bank would do, they won’t see or ask for your bank log-in details and they are regulated by the FCA

What I think of Snoop

I was lucky enough to be part of the beta testing group for Snoop so I’ve been playing around with it for a few months now and I love it! I prefer it to my actual Halifax banking app for looking at my recent transactions as it categorises them in a better way and I can clearly see where I’ve been spending…as it stands this month I have been spending too much on plants, what a surprise. The personalised Snoops I get have been handy too as it’s reminded me about a few upcoming renewals that I had lost track of (I’m blaming lockdown and not knowing what day it is let alone month). If you want a free and easy way to monitor your spending and keep on top of getting the most for your money, you should definitely give Snoop a try.

You can sign up to Snoop here