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Your Lizard Brain makes you spend when you're trying to save. Outsmart it and make saving as easy as spending. Take back control of your wallet – with Yolt.

It’s time to power up and take your money game to the next level. Save while you spend and get into the habit of saving – with one easy to use app.

Here’s how it works:
1) Get your free Yolt Account when you download the app. Top it up then use your Yolt Card for your everyday spending
2) Save automatically on each purchase with round ups, and earn cashback on selected brands
3) Watch all that change turn from pennies into pounds in your new Money Jar (that’s where Yolt stashes your savings)

Before you know it, you’re saving easily, every day.

Spend smart
Save while you spend, with an account like no other – your Yolt Account. Set and track budgets, split bills and turn on notifications to get tips and handy insights.

Grow your money
Meet your Money Jar – it’s where Yolt squirrels your savings away. Tackle the Money Jar Challenge to start your Saving Streak, and you could save at least £416 a year.* Just like that.

Reach your goals
Set yourself a Goal (or two) and Yolt will help you smash it. Stay motivated to save with personalised tips, reminders and in-app challenges.

All in one free app
Quickly (and securely) connect your bank accounts, credit cards, pensions and investment accounts – to see your financial world all in one place. See your accounts side by side in your Wallet, so you can see exactly what you’ve spent and what you’ve saved.

Bank-grade security
Yolt’s all yours –we don’t sell your data, and your security is our number one priority. We use bank-grade security measures like 256-bit encryption, Face ID and 5-digit PIN.

ID verification
Heads up, to use Yolt, we just need to make sure you’re really… you. We’ll ask you to prove who you are with an official document and answer a couple of questions. It’s quick and easy, and we’ll have you verified and enjoying the app before you know it. Want to know more? https://www.yolt.com/kyc-troubleshooting

We’re in this together
Got any feedback? Have a question? We’re just a tap away. Drop us a message via ‘Contact Yolt’ in the app or send an email over to hello@yolt.com.

It’s time get into the habit of saving…

*Yolt users who complete the default £8/week Money Jar Challenge save £416 over the course of the year.

What’s New

Version 2.9.0

You might have noticed things have changed recently. A lot. So, to help, we've spent the last few months hard at work on something big. And it's finally here!
Spending smart was only the beginning…

We're three years into our mission to empower everyone to be smart with their money. It all started with giving you one clear view of your finances so you could spend smart, budget better and do more. Now, we want to help you go one step further. To stretch your money, so you can save for the things that really matter.

All the features you know and love are still here – so you can still connect your accounts and look for deals – but we're growing Yolt's offering so you can grow your savings.

New features help you:
- Spend smart: with the new Yolt Account and card for daily spending, and loads of easy-to-use tools like budgeting, spend tracking and bill tracking.
- Grow your savings: save while you spend with your Yolt Card, through round ups on every purchase. Switch on Jar Boosters, and the Yolt App will move savings automatically to your Money Jar.
- Reach your goals: smash a Money Jar Challenge, set Saving Goals, and watch your pennies turn into pounds in your Money Jar.
- All in one app: connect your bank accounts and credit cards to your Yolt Wallet for one clear view of your money, alongside your Yolt Account and Money Jar.

Upgrade Yolt to upgrade your money game – and get into the habit of saving.

Got questions? Get in touch by tapping the 'Contact Yolt' button in the settings menu.

Ratings and Reviews

4.4 out of 5
13.1K Ratings

13.1K Ratings

lhmm59 ,

Amazing but some improvements would make it better

I had been using Yolt for a few months and enjoyed it but changed to Cleo to see if it was any better. After using Cleo for about a month I realise Yolt was the one for me as there were more categories and budgets I could set for myself. The only thing I think Yolt is majorly lacking in and what I consider to be an important feature is the fact that you don’t get to set budgets to start from your paydays (something that Cleo actually does). With Yolt all budgets start from the first of the month, but for someone like me who gets paid in the middle of the month with bills coming out throughout the month it confuses things a little. Other nice little feature would be one-off payments for important things i.e. needing to buy a new phone or TV etc. or a way to justify your overspend for a specific budget in a month so it doesn’t look like you’re constantly bad at sticking to your budget. Other than these possible improvements, I love the app and I’m excited to see how it develops in the future!

Developer Response ,

Thanks! We're always adding cool new features to the app so if you'd like to share some of your ideas, do get in touch.

Thanks, The Yolt Team

TheBlackBinLiner ,

Fantastic App

I was fed up of going backwards and forwards with my bank statements and copying and pasting into a spreadsheet to try and make sense of my monthly finances. This App does everything I want and more. It really is a one stop organiser for your finances. See at a glance what your top expenditure was from month to month categorise all transactions into set ones or hashtag your own so you can drill down into spends in and out of your accounts. I must admit I was nervous about linking my bank account with it but it could not be safer. No transactions can be undertaken in the App - it simply pulls the data in from your bank and auto categorises most of the entries which are fully editable. Any it doesn’t pick up you can categorise yourself. See a regular figure of “left to spend” so you can manage your daily/weekly/monthly budgets. Talking of budgets you can also set many budgets in the app to further control how you spend. It’s just what I need and has the added peace of mind of the backing of ING Banking group and as such the app has Bank level security. Customer service is also excellent with a representative emailing you with solutions to any query’s within a few hours. Best of all this app is free. Great UI, functions and ease of use. Top marks for this app.

Developer Response ,

Hey, TheBlackBinLiner. Thanks so much again for your lovely review! How would you like to be the star of our new marketing campaign? Please send us an email at hello@yolt.com to find out more. Thanks, Nadia

FSrx ,

My favourite app by far

I truly love having all my accounts - current, credit card and savings in one place. I love the categories provided and how you can assign hashtags for things that don’t fall into any one group perfectly. For example, I have a hashtag for gift purchases or my visit to the nail shop which is usually a cash withdrawal from the nearby ATM or even transfers to my wedding saving account. Now I can still track and visualise those transactions that fall into a specific hashtag group.
I had a small issue with my capital one credit card not syncing but I reached out by email to the guys on the help desk and they were so helpful and made sure my issue was resolved.
I love how it shows you your spending history by category and also that you can set yourself budgets on overall spending for times when you need to save harshly towards something or when it’s time for austerity and paying off debt.
Whatever your financial goals I honestly believe you can reach them here. If anything it opening my eyes to the subtle contactless payments for coffee or a breakfast sandwich that can really start adding up. All in all I’ve used the word “love” like 100 times already in this review but it really is a great and simple app.

Developer Response ,

Hi FSrx, thanks for sharing this awesome review with us! We hope you enjoy exploring Yolt. If you have any suggestions for improvement or a cool idea you'd like to share with us, drop us a line at hello@yolt.com. We're always happy to have a chat. Thanks, The Yolt team.

App Privacy

The developer, ING, 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:

  • User Content
  • Identifiers
  • Usage Data

Data Linked to You

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

  • Purchases
  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

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

  • Diagnostics

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

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

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