thirteenth Oct 2025
Studying Time: 5 minutes
From free coupon apps with AI to seek out instantaneous reductions in your procuring, to cashback websites and even robo-investing apps, there are a number of methods you’ll be able to benefit from easy-to-use apps and save more cash than ever this yr.
Why Use Cash Saving Apps?
Apps can prevent a lot time when in search of bargains. However they’ll additionally defend you, too. In an age when it looks like we’re listening to a few main hacking scandal each different week, apps may help you discover professional automated coupons and web site reductions with out risking your safety on questionable low cost web sites.
In addition they prevent the psychological stress of remembering to save cash, because of the automated nature of them. Whether or not you’re utilizing a browser extension that reminds you to seek for a reduction at checkout, or an auto-roundup app to brush money right into a financial savings pot with every transaction, the psychological load of saving cash is taken off you.
We’ve rounded up the most effective free coupon apps, cashback websites, and saving apps that can assist you handle your cash in just some clicks.
Coupert
Coupert helps you discover instantaneous low cost codes and coupons to save cash in your on a regular basis spending. It worth matches, finds reductions in seconds, and retains you on the location you’re shopping as an alternative of constructing you open a brand new tab to discover a coupon code.
AI apps can deal with a lot greater than ever earlier than. For instance, Coupert finds you reductions in actual time, however not only a listing of them: it exams in the event that they’ll work. Inside seconds, you will discover automated coupons to say your reductions. It saves you a lot time and in addition stops that actually annoying activity of discovering a coupon code on dodgy-looking websites that appear to open plenty of pop-ups and browser tabs.
That’s as a result of Coupert makes use of a browser extension, so it’s all the time able to step in once you’re procuring and works in-site.
Editor Vicky Parry says: “Whereas I really like the opposite apps on this listing, Coupert takes high place as a result of it saves you a lot time on discovering coupon codes, however it may additionally worth monitor that can assist you purchase when a product is at a low worth in addition to discover an automated coupon for much more reductions.”
Plum: The Auto-Save App
Saving is way simpler once you don’t have to consider it. Plum analyses your revenue and bills, and works out how a lot you’ll be able to put aside right into a financial savings pot each few days.
This is perhaps pennies or it may very well be a number of kilos – and it’s simple to cancel when you’re having a good month. Nonetheless, sweeping money throughout like this makes it so easy to avoid wasting with out noticing.
Plum additionally presents curiosity as much as 3.95% AER on financial savings, and you’ll set an auto-roundup out of your spending, too. That is once you select to spherical up your funds to the closest pound. So, when you spend £4.50 in a transaction, you’ll be charged £5 because the spare 50p sweeps into your financial savings pot. It’s truthfully senseless saving that may make a giant distinction fairly shortly when you’re not in any sort of financial savings behavior in any respect today.
TopCashback
Celebrating its 20th anniversary this yr, Topcashback has been round some time and which means it presents cashback on a great deal of mainstream and smaller retailers, with a tried-and-tested fame. It’s one of the vital recognisable cashback apps on the market.
It does have a browser extension for cashback, however it may be slightly finicky and generally requires a number of web page refreshes when you’re taking your time to browse to reactivate the cashback. Regardless of this, it does seek for cashback offers supplied by the location in case you’ve forgotten to go by way of the TopCashback web site.
It’s value mentioning that different free coupon apps like Coupert additionally provide cashback, and payouts are more likely to be sooner with the all-in-one AI instruments than TopCashback.
Emma App
The Emma app is ideal for a deep-dive evaluation of your spending and revenue, because it integrates together with your financial institution accounts. This implies it can assist you to spot your spending habits that may very well be curbed to save cash with ease.
It helps you see issues like forgotten subscriptions, whereas additionally protecting monitor of your financial savings targets that can assist you keep centered. Whereas it doesn’t provide procuring reductions and cashback like Coupert and TopCashback, figuring out your common spending and making it simpler to cancel undesirable bills will assist construct in your financial savings energy.
The Emma app additionally helps you construct your credit score rating, utilizing your lease to show you’re a dependable one who might pay for a mortgage. This might make an enormous distinction to first-time consumers who want to spice up their credit score rating earlier than they apply for a mortgage.
TOTUM
TOTUM is the newest incarnation of the scholar low cost card. However right here’s the factor: it’s not only for college students. They lately expanded their providing to an enormous variety of individuals: anyone belonging to an expert physique, union, or commerce membership organisation can have a TOTUM card.
Whereas most of the reductions are aimed toward college students and younger individuals, such because the inclusion of the ISIC, the worldwide scholar card, it’s nonetheless improbable for any skilled wanting to save cash on their spending.
The TOTUM app doesn’t provide automated coupons like Coupert however it does make it simple to say reductions in retailer. On-line, you’ll be able to nab some unique offers corresponding to cashback on Apple, Home windows, Argos, and even journey corresponding to Trainline. And since it’s the nationally-recognised low cost card, a great deal of native retailers will settle for it even when they’re not listed on the web site listing – simply ask on the checkout. It additionally contains further offers corresponding to a free Tastecard membership to avoid wasting on meals out.
