Money is difficult.
At Tandem Bank we have a mission to help you avoid unnecessary fees abroad, spend your money positively, and save your money effortlessly. Absolutely stress free.
Featured by Which?, The Sunday Times, The Independent, thisismoney.co.uk and City AM.
How can we help you?
Say goodbye to money spending regret!
See how much money you have & what you need to cover your bills to make it to payday.
Living paycheck to paycheck is a thing of the past.
SAVE WITHOUT A THOUGHT
Start saving little and often with Autosavings rules. We help you save- you make the rules. Savings & budget in your complete control.
Tracking your bank accounts couldn’t be easier.
INSTANT TRANSACTION ALERTS & AVOID FEES ABROAD
Apply for our Journey Credit Card 24.9% APR (variable, representative) or Cashback Credit Card 18.9% APR (variable, representative).
Get instant transaction in-app messages to keep you on top of your finance immediately. 24/7.
There’s no fees abroad when you travel, so you can treat yourself on holiday.
Want some help saving your money so you can enjoy spending?
Autosavings is the answer for you. It helps you save money by using rules to find small, regular amounts to put aside each week.
Those savings are kept safe in your instant access Tandem Account, with 0.5% AER interest, so you have easy access to your cash when you need it.
Signing up to Tandem takes a matter of minutes on your mobile phone. Not to mention all the great features to help you manage your money with ease!
~ Connect all of your bank accounts so you can see all your money in one place.
~ Stay updated about your recurring bills and manage any sudden increases, so you don’t fall short before payday.
~ Manage your Tandem credit card with a click of a button
~ Track your spending in real time with instant transaction notifications
~ Automated rules mean you have complete control of your budget and savings
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.
So, how does Autosavings work?
Save the change whenever you make a purchase.
We’ll round up your spending to the next pound and move the difference into your Tandem Account – so that £2.40 you spend on your morning coffee results in 60p in savings. Money you didn’t know you could save!
We’ll round up spending on all the accounts you connect to the Tandem app, as well as the Tandem credit cards.
SAFE TO SAVE
Safe to Save looks at your regular income and budget alongside your spending habits and identifies how much you can afford to save across the month.
The Tandem app then moves money into your savings each week and adjusts should you spend more or less money than expected.
Take complete control on your how much you want to save monthly with five different savings levels.
Make a weekly or monthly deposit into your savings with the tap of a button.
At Tandem Bank we want to make savings, budgeting & banking accessible for everybody and your money moving in the right direction.
KEEP IN THE LOOP
You and your money in Tandem.
While the world tries to make sense of everything going on, we thought it was about time to do the same with your finances. Credit card customer? Your spending now has a dedicated tab, as does your bill. Keen on saving? We’ve given you a tab too - manage your Autosavings and accounts in one, convenient place. Looking for your connected accounts? Tap the little £ coin icon to get a quick view of your balances. Need some help? You can get it on any tab, just look for the chat bubble icon.
Ratings and ReviewsSee All
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?
Terrible customer service
I decided to apply for the tandem cash back credit card to use abroad but have now closed my account due to terrible customer service.
Firstly you have to set up a savings account before you can apply for a credit card which takes a while because of slow and buggy the app is, after that I applied for the cash back card.
After applying I noticed the app said I had a journey card so I went on the chat and was told an application had gone through for both credit cards so I would have to phone to cancel it. When I phoned I was told it was a technical error on their side and they would ring me back once it had been sorted, no one ever called back!
A couple of days later I went back on the chat to be told because I had applied for the journey card (Which I hadn’t!) and I would be unable to apply for a cash back card because I already had a credit card and even if I cancelled I wouldn’t be able to reapply. I then had to phone back in order to cancel both the credit card and savings account so was a massive waste of time!
Developer Response ,
Hello John, thank you for the valuable feedback. I am sorry your experience with Tandem has been inconvenient- this is definitely not our intention. When glitches appear on the app these can often be resolved straight away, however, it looks like in this situation this was not the case. If you would like to discuss the matter in more detail then please contact us.
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.
Up to six family members will be able to use this app with Family Sharing enabled.