Nova AI uses Open Banking to replace old school budgeting and spreadsheets with a smarter approach: the Objective Line. It will help you set the right saving objectives, and easily reach them. You can visually track your progress through 4 Spending Zones.

That’s right, Nova is built on zones:- Green, Slowdown, Danger and Death. Each subsequent zone takes you a step further from the objective of your challenge.
At the end of the month, you will be presented with a trophy depending on the zone you are in. The trophies are as follows:

Green Zone: Money Wizard
Slowdown Zone: Money Hustler
Danger Zone: Money Menace
Death Zone: Money Arsonist

Here’s how to get started:
- Create your account
- Connect ALL your bank accounts via Open Banking
- Pick your AI personality; Cute, Best Friend or Ruthless

Nova will assist you in setting your goals at the start of each month. Throughout the month Nova will keep you motivated, send you daily messages to keep you in-check and alert you every time you move from zone to zone.

- Bills and Subscription tracker
- AI budgeting and financial planning
- Advanced charts and analytics that replace spreadsheets
- Credit card debt tracker
- Spending trend analysis
- Insights to improve your spending habits
- Multi-currency support
- Identification of credit card payment
- Bank aggregation via Open Banking
- Financial education at your fingertips
- Daily motivation to meet your goals
- AES-256 Encryption
- Configurable in-app 4-digit Pin
- Supports Touch ID & Face ID

Open Banking
Many people do not realise you need to aggregate all your bank accounts to know how much you spend and save. Thanks to Open Banking, Nova is able to support bank aggregation of over 30 banks including:

- American Express
- Bank of Scotland
- Barclaycard
- Barclays Business
- Barclays
- Capital One
- Chelsea Building Society
- Danske
- First Direct
- Halifax
- HSBC Business
- Lloyds Business
- Lloyds
- M&S Bank
- Monzo
- Nationwide
- NatWest
- Revolut
- Royal Bank of Scotland
- Santander
- Starling
- Tesco Bank
- Tide
- Transferwise
- Ulster Bank Northern Ireland
- Virgin Money
- Yorkshire Building Society

Our Mission
We are fighting against the consumerism system which pushes people to buy stuff they don’t need, with money they don’t have, to only impress people they don’t like.
We are fighting against the $1000 billion toxic credit card debt that prevents people from building their wealth.

Nova promotes better spending habits, educates you on finance and pushes you to be the best version of yourself to achieve financial freedom.

Regulatory Mentions
Nova Money Ltd is registered by the FCA (923683) and ICO (ZA543319).
Nova Money Ltd is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and who is authorised by the FCA as an Authorised Payment Institution (reference number: 793171)

Nova has been created by financially conscious entrepreneurs and former bankers with money-saving expertise. We will never sell, distribute or compromise your personal data.

This is the only smart spending app that you will need. Remember, Nova is here to help you through your mission of financial freedom, one goal at a time.

Don’t wait for payday to begin your mission, start now! Good luck

What’s New

Version 2.9.0

- You can now comment on posts and receive notifications when your friends react to your posts;
- Your private profile is again accessible;
- Fixed a bug that prevented from seeing others’ faces.

Ratings and Reviews

4.9 out of 5
76 Ratings

76 Ratings

Ethan Street ,

Fantastic for students

I don’t normally write reviews but I feel that this app is very useful and could benefit a lot of people.

As a student I’ve been introduced the world of financial management thanks to this app, which has enabled me to progressively save more and more. The gamification ensures that you stick to your saving goals and turn them into lifelong habits, so I would recommend getting started as soon as possible.

pink_frogg ,

The best saving app on the market

Other savings apps are fairly passive, they track your spending but there isn’t much customisation or incentive to interact with them beyond that, and they quickly fall out of use. This app is highly personalised, friendly and far more customisable. It takes all of the pain out of saving and more importantly pushes you to have a different mindset around saving.

Developer Response ,

We have worked hard to make finance fun and different! Glad to see our message is getting through; thank you for your awesome review 😉

Riah87 ,

Great app!

Just found this app after trying almost every budgeting app available over the last 5 years. This one is straightforward, helps you understand what you are spending your money on and makes it fun to save money.
Budgeting can be daunting, but this app takes the pain out of it. Give it a try. See you on the leaderboard :)

Developer Response ,

Budgeting doesn't have to suck, and we try to make it fun! Thank you so much for the feedback, I'm glad to see that you like it 🤗

App Privacy

The developer, Nova Money Ltd, 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 Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • 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.

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