#1 - Best overall budgeting app
Monzo
Monzo is especially strong for Pots, spending categories, Salary Sorter, bill splitting and real-time insights.
PotsSalary SorterCategories
Watch: Some advanced features sit behind paid plans.
Updated June 2026 - Budgeting
Best Banks for BudgetingUK guide for 2026
Budgeting features can make a bank account feel much easier to use day to day, especially if you want pots, spending categories, bill separation or real-time alerts.
Quick answer
Monzo is the strongest overall budgeting app for most people, Starling is excellent for practical money organisation, and Revolut is useful if you want budgeting alongside travel and multi-currency tools.
Top picks to compare
Ranked by practical fit for this specific use case.
#2 - Practical bills and spaces
Starling Bank
Starling's Spaces, Bills Manager, virtual cards and spending insights make it a strong practical budgeting account.
SpacesBills ManagerVirtual cards
Watch: It is less colourful and less guided than Monzo.
#3 - Budgeting with global features
Revolut
Revolut combines spending analytics, Pockets and controls with multi-currency and travel features.
PocketsAnalyticsMulti-currency
Watch: The app can feel broader and busier than a dedicated budgeting-first bank.
#4 - Simple saver pots
Chase UK
Chase is good for simple savings organisation, round-ups and spending insights without much clutter.
Saver accountsRound-upsCashback
Watch: It lacks some richer budgeting tools offered by Monzo or Starling.
#5 - Simple social spending
Kroo
Kroo can suit people who want straightforward spending, bill splitting and simple shared money tools.
Simple appBill splittingSocial spending
Watch: It has fewer advanced budgeting features than Monzo or Starling.
What to check before choosing
- Look for pots or spaces if you separate money for bills.
- Check whether virtual cards are included.
- Decide whether you need salary sorting or basic categories.
- Check which features require a paid plan.
Trust and sourcing note
Rates, fees and eligibility can change. We use provider information, bank reviews and our review process to keep these guides useful, but always check the provider before applying.
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