The best apps for managing your money whilst at university

Starting university means you will probably be managing all of your finances for the first time. 

Living at university can be tough, but it can be made a lot easier if you learn how to manage your money carefully. Luckily, you won't have to track every purchase on a spreadsheet as there are a lot of apps available to help you save, manage and keep on top of your finances. 

Whether you're looking for some cheap offers, the cheapest supermarket shop or a hassle-free way to split your rent and bills between your housemates, hopefully you'll find our following suggestions useful.


Mobile banking app Monzo (available on Google Play as well) calls itself the “bank of the future” and with good reason.

You’re able to set monthly targets for spending on things like food shopping and nights out and you get instant notifications as soon as you buy something.

On top of this, you can use your card abroad for free and you have the ability to stay in control by freezing your card if you lose it. It’s perfect for managing your student budget while also keeping an eye on where your money is going.

Circle Pay

With Circle Pay (which is also available on Google Play), you can split bills with your housemates, chip in for a group purchase or send money like a text without any worry or hassle.

Your account is protected by PIN, fingerprint ID, and weekly spend limits so you can't go over your budget.

Circle were also named as the 2017 Best Non-Bank Competitor at the Retail Banking International Awards, and received the 2016 Top Digital Innovation award at UK’s Banking Technology Awards, so you're in safe hands!


Acasa is a useful app for solving the problem of splitting bills between housemates - you should never be missing money if you use this app.

It's simple to use and lets you add housemates, record and then split bills, so you can track who has and hasn't paid up. You can also download Acasa on Google Play.

Barclays Pingit

Pingit from Barclays (which you can also get on Google Play) is a great app for letting you send money to your friends and family in small or large quantities, which means not getting cash out at the bank anymore to pay for rent and takeaways.

You don't even need to be a Barclays customer to send or receive money, you just need a valid UK mobile phone number and a UK bank account. 


If you feel like you're overspending on your supermarket shops, then mySupermarket may help you out. With this app, you can create a shopping list that is saved and then synced to their servers.

Arguably, the best feature is that they automatically compare the prices of various supermarkets for your shopping in order to ensure that you are getting the best deal that you can. You can download mySupermarket on Google Play as well.


HotUKDeals provides community-submitted deals across the UK for both online and high street retailers.

This app (which you can get on Google Play too) gives you the option to set up alerts for specific products and you could potentially save a lot of money on clothes, entertainment and your food budget with their offers and discount codes.


Another app that is very helpful for saving you money is Vouchercloud. This app can also be downloaded on Google Play and provides many different offers, coupons and deals for many different places both online and locally.

You could be able to save a lot of money if you're eating out, buying new clothes or taking a trip down to the cinema with this app.


An app that promises free money, what else could you possibly want? Quidco provides cashback tracking online so that you can claim a small percentage back on your shops back and it also tracks your credit card so in-store purchases count as well.

Quidco is also available on Google Play.

Are there any other apps you use for managing your money? Let us know in the comments below!

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