Money is difficult.
At Tandem Bank we have a mission to help you spend your money positively, and save your money effortlessly and ethically. Absolutely stress free.

Featured by Which?, The Sunday Times, The Independent, and City AM.

How can we help you?

Not only does our Instant Access Saver help you save and earn interest, it will help towards environmentally friendly projects, and you have easy access to your cash when you need it.

Make the most of your money by opening a Digital Fixed Saver. The more you lock away, the higher your return will be.

Signing up and opening an account with Tandem only takes a matter of minutes on your mobile phone, and you can use the convenience of Open Banking to fund your accounts without leaving your device.

Relax knowing you’re in safe hands with Tandem
As a fully regulated UK bank, your money is protected up to £85,000 by the FSCS. We also have a dedicated team happy to manage any questions on the phone or via in-app chat.



Save more than just your money with Tandem.

What’s New

Version 3.0.10012549

We've been working to make it easier and quicker for you to open a savings account. In this release, we've added the ability for customers to record a video selfie as part of the identity verification process where required.

Ratings and Reviews

4.3 out of 5
4.6K Ratings

4.6K Ratings

meganow59 ,

Great! Although...

This app is fantastic! I saved up so much money in the space of a few months earlier this year; all from just spare change and automatic weekly deposits. I highly recommend this app! Easy to use, all automatic without leaving a dent in your bank account!
The reason I’m not giving it 5 stars is that since the September update my bank is no longer supported by the app and I’m not saving nearly as much so I’m going to have to find another app. Just check if your bank is supported by this app before setting up an account as it’s the most efficient way of saving. Such a shame, I got so close to reaching a savings goal...

Developer Response ,

Hi Megan, thank you for your feedback. It is great to hear you really made the most of our autosavings feature. Our goal is to make saving money as effortless as possible and I am sorry you are no longer able to use the app for this. We have recently made changes to the method in which we connect with other banks, and unfortunately some banks have been slightly slower in implementing this new system. Please look out for updates in the future as new banks are introduced.

Darkstar67890 ,

Loads of issues !

Update: I’ve upgraded this review because Tandem did eventually get in touch. Things seem to be working ok now, but my original review is still valid as it wasn’t a good experience for a new Customer.

Signed up for a new account ok, but that’s when it went down hill rapidly 😨 Added my “supported” Bank, but when going back into the App it says “can’t connect to bank account”. Tried again, but this time I added my second bank account which was also “supported”. This seemed to connect, but impossible to deposit money as it just bombs out with the usual “try again” message. I sent a message to Support, but they haven’t got back to me. Next day I thought I would give it one last try. It got further this time and seemed to connect ok with my bank, then it switched back to the Tandem App, and just waited..waited…waited..After a few minutes a message came back saying it could take up to two hours transfer the money. God knows if it ever does as i’m still showing a zero balance. Can’t believe how much of an awful experience this was, especially compared to other Financial Apps I have used.

Developer Response ,

Hi there,

We're very sorry to hear that there has been some difficulty depositing funds into your account. We would be delighted to have the chance to investigate this on your behalf and ensure that everything is working as it should be.

I can see that you have already tried contacting our team who will be keen to get back to you in due course but you can also contact us using and we can escalate this on your behalf.

Rcs201 ,

Brilliant, but needs the odd tweak

I acquired this credit card purely as a way of spending money abroad without incurring foreign charges. It does that absolutely brilliantly. 10/10. Immediate notification of spending, with cost in both sterling and the local currency. The exchange rate is fair too. It always appears to be the spot rate, halfway between the buy and the sell prices.
I also like the idea of having to have a current account with it, and of rounding up purchases so that you can save the difference. You can also add £5 or £10 a week to savings too. It is an easy way of saving painlessly.
Two slight problems. No Apple Pay. I was told to expect it by the end of the year. It is now 21/12, and no sign of it.
Secondly, there should be a link to your main non-Tandem bank account, so they can see what bills are expected to help you plan your free spending money. That hasn’t worked after the first few weeks. I tried speaking to someone on the helpline, who couldn’t understand what I meant, and kept assuring me that all was ok, when it blatantly wasn’t.
If you offer this facility, please make sure that it works!

Developer Response ,

Hi there, it's great to hear you're enjoying using your Tandem credit card! We are still working towards Apple Pay as we are aware how important it is for our customers. Please keep an eye out for future updates. In regards to connecting your bank accounts, i'm really sorry you're experiencing some issues with this! Can you contact us via the in-app chat so we can look into this further for you?

App Privacy

The developer, Tandem Money Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

You Might Also Like