WeMoney: Pay off debt faster 4+

Credit Score & Money Manager


    • Free
    • Offers In-App Purchases

iPhone Screenshots


Join WeMoney for free – Australia’s smart personal finance app, helping you track all of your money and pay down debt faster. See all of your financial accounts in one place, monitor your credit score and discover ways to pay down your debt faster with better products. Plus, get support from a growing financial community in WeMoney – for free.

- Connect all your financial accounts to get a complete 360-degree view of your money

- Free monthly updates to your credit scores (Equifax and Experian) and improve your credit health so you can unlock opportunities to improve your financial wellness.

- Pay down your debt faster with personalised savings opportunities to help you get a better deal.

- Join the conversation with Australia's most passionate financial community to help one another become debt-free, save for a holiday, own a house, plus more.

- Try for free or upgrade to WeMoney Pro and get daily credit file monitoring to protect against fraud, unlimited custom categories and a desktop version (plus more)!

Australian Financial Review, Fortune, Channel 9 News, Channel 7 News, news.com.au, Daily Mail Australia, Yahoo Finance, Smart Company, The West Australian, The Today Show, Savings.com.au, and Student Edge.

- See all your accounts in one place
- Set monthly budgets & money goals
- Track your payday
- Know your net worth
- Get insights into your spending & saving habits
- Check your credit score for free, forever
- Automatically categorise transactions
- Track your bills, any wasteful subscriptions & recurring payments
- Get notifications of daily spending
- Refer a friend to help the planet
- Save money with our panel of leading lenders
- Help continuously to improve financial performance & usability
- More features coming soon!

WeMoney uses the latest in bank-grade security features and has also partnered with Yodlee, a global leader in the banking sector trusted by over 27 million users worldwide, to keep your data safe, including encryption 2048bit SSL. WeMoney does not store your banking credentials and only uses read-only access when it accesses your financial data. WeMoney doesn't sell your data to third parties. Plus, you can secure your account with Fingerprint, FaceID, and PIN logins.

- 'Best PFM/Savings Account' - Australian Fintech 2022
- 'Best PFM/Savings Account' - Australian Fintech 2021
- 'Emerging Fintech - Peoples Choice' - Finnies 2021

Any information provided by WeMoney is general in nature and was prepared for information purposes only. Accordingly, reliance should not be placed on any of WeMoney’s resources as the basis for making an investment, financial or other decision and therefore, should not be considered to constitute financial advice. WeMoney Pty Ltd ABN 88 633 007 860

What’s New

Version 1.0.449

Minor UI improvements and bug fixes

Ratings and Reviews

4.4 out of 5
2K Ratings

2K Ratings

grace.nicole91 ,

First Day!

I might change my mind here - but I have found this app to be very helpful. By linking my cards I really feel like I can see my spending clearly. I do wish that I could put into the app what my budget strategy is (like the 50, 30, 20) and then been able to have hints/tips/notifications to help ensure I am achieving that. The only other thing I miss from other apps is me being able to put in how much I am spending and on what (bills etc). I can see that on the homepage it has attempted to do this for me, but it’s not 100% accurate. Overall, it is very impressive that you can have such integration for such positive purpose. In this day and age it’s an app we all need!

Developer Response ,

Thank you so much for sharing a comprehensive review of WeMoney!

Your feedback regarding the budget feature has not fallen on deaf ears as we are planning an exciting feature roadmap which will be supported by a robust notification preference centre to help more members achieve their goals.

As for your bills, you should be able to manually select transactions and assign them as a 'Recurring Expense' or edit existing Expenses that are automatically picked up - don't hesitate to reach out via support if you experience issues here.

Thank you once again as we cannot express how much your glowing review means to the team who work on the product each day and excited for the new features to come.

Team WeMoney

Nsng777 ,

Only budgeting app that LOGICALLY WORKS

No offence to all other budgeting apps out there, but after trawling through and connecting up more than five different apps to my accounts to check their functionality, this is the ONLY one that (on top of the standard banks and credit cards) integrates with CommSec and even investment apps like Spaceship. It’s therefore the only one that offers a truly holistic view of my finances - I’ve deleted all others now! Further, while I have yet to fully figure it out cause’ the budgeting widget is a bit confusing (would be great if y’all can build hover explainers over what all the terms really mean e.g. “Safe to Spend” - what does this mean?; “Exclude transfers” - transfers to, from, out of or within our own accounts..?), they give you the option to, when setting up a budget, exclude transfers - which, when I’m sorted, hopefully will mean that I stop seeing my internal transfers as “Money Out/Spent”, which all the other apps showed. This one piece is super helpful cause’ rendering internal transfers as money out literally negates any usefulness of these trackers (you’ll always be shown overspending and the numbers become meaningless!).

Off to a great start, keep going!! Love your work, WeMoney.

Developer Response ,

Hi there - thank you so much for such a comprehensive and honest review of your experience with WeMoney!

With that being said, we have made a few changes to the "Safe to Spend" section of the app and will be continuing to focus on this heading into Q2 of 2021! Our account connection partner, Yodlee, also recently released an update that made significant improvements to the categorisation of internal transfers.

If you had any other feedback on how we could better improve your experience, feel free to reach out to our friendly support staff via our various support channels. Thank you in advance and we look forward to hearing from you soon!

Namo Amituofo ,

Good budgeting app

I have been trying this app for a few weeks and comparing it with other apps in the same category. This one updates information of your connected bank accounts more frequently than other apps. Of course, it will be better if we can have a sync button to refresh or update instantly all connected accounts in addition to the regular updates by this app itself. I wish this app can do automatic evaluations of assets. For example, it should be able to give a value of my house if I input my property address . Or it can show current value of my car if I provide details such as information on the car’s rego. At the moment, we can only type in assets value manually. I know this type of valuation is possible since another app can do this. Sadly that app can’t update information from connected bank accounts. So, there’s a room for improvement for this app WeMoney if the above mentioned assets valuation can be implemented. It will make it even easier and better.

Developer Response ,

Hi there - thank you so much for your comprehensive and insightful review of your WeMoney experience! Once Open Banking becomes enable mid-year, we will be integrating with it as soon as possible, which we expect to see account values/transactional data in near real time.

With respect to asset valuations, this is a feature that we are hoping to explore later in the year and one we hope to release in the future! Keep your eye out

App Privacy

The developer, WeMoney, 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

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

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Diagnostics
  • Other Data

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

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