The Most Talked About Money Apps: From A Non-Accountant

The Most Talked About Money Apps - From A Non-Accountant.png

For those of you who may know me, you’ll know that I’m not an accountant.

I come from a creative background, with a degree in Fashion and Textile Design: Knitwear.

This serves me SO well in my role as Virtual Office Manager. I get to use my creative and organisational skills on a daily basis, and I love it!

But my knowledge of accountancy is limited, to stay the least.

While trying to save money for a deposit, repaying student loans, and focusing on daily spending, it can be hard to keep track of where your money’s going. Money management is essential, and there are so many smart money apps on the market to help you.

So we thought it would be fun to share our favourite money apps with you, from a non-accountants point of view.

Money Box

What is it?

MoneyBox is a savings and investment app.

From your morning coffee to last night's Uber, round up your everyday purchases to the nearest pound and invest the spare change.

Money Box isn’t your average savings account, though.

You can choose from three starting options: cautious, balanced, or adventurous, and to invest your money across thousands of global companies.

Why do we love it?

Trying to save and put money aside can seem really daunting.

But by putting a little cash aside each time you spend, it’s actually pretty unnoticeable.

From the money you invest, your return on investment can be put towards helping you put down a deposit on your first home, your retirement, or just because!

Grow your money!


What is it?

I’ve recently downloaded Yolt onto my phone, and I’m honestly SO impressed!

Essentially, Yolt puts all of your cards and accounts together and shows you where you’re spending your money.

You can view your monthly transactions, track your bills, set budgets and so much more.

Why do we love it?

While saving for a deposit, saving for a wedding, and December probably being the most expensive month of the year, it’s easy to lose track of where you’re spending your money.

Personally, I love the budgeting tool in Yolt; you can set and track budgets for anything from coffee to personal care to housing.

I love being able to see where my money is going, and how I can use it more efficiently.

Starling Bank

What is it?

Starling is online banking - but not as you know it.

Now, Starling isn’t actually a money-saving app. The interface is similar to Yolt, but Starling is an actual current account with a savings feature.

Their new feature ‘Round Up Your Spending’ works similarly to Money Box, where you can put your savings on autopilot, by rounding up whatever you spend to the nearest pound and moving it to your savings.

Why do we love it?

Unlike the high street banks, Starling shows real-time updates of your spending, incoming payments and your Spending Insights, to help keep track of your incomings and outgoings.

The main difference between Starling’s savings feature and Money Box is that while Money Box invests your savings and you receiving a return on your investment, the money you save with Starling is yours to keep, risk-free!

Starling also offers business bank accounts, and Xero integration is on its way!

Receipt Bank

What is it?

Cloud accounting is here, and it’s here to stay!

Gone are the days of keeping up to 6 years worth of paper receipts.

Before joining the Cone Squad, I worked as a PA for a small business, and part of my role included sending receipts to Receipt Bank ready to be reconciled.

There’s no more data entry, no more paperwork - Receipt Bank is SO easy to use!

Just snap a picture of your receipt, Receipt Bank instantly extracts the data, and all you need to do is review and publish it to your software.

Why do we love it?

Our hands-down favourite thing about Receipt Bank is no more keeping hold of those paper receipts! It couldn’t be easier - snap your receipt, and chuck it in the recycling!

For anyone with limited knowledge of accountancy, Receipt Bank makes things so much easier.

By automating dull, time-consuming manual tasks such as data entry, you gain so much time to spend doing the things you love about your business.

Receipt Bank is an HMRC compliant way of keeping a record of your receipts and is also a partner of Xero.


What is it?

Xero is an award-winning small business accounting software tool, designed for beautiful business.

Using Xero automatically speeds up your time-consuming tasks, keeps everything stored safely in one place, and is easy to access from anywhere, on any device!

Why do we love it?

One of the reasons we love Xero so much is because everything we use links seamlessly into Xero, truly making business beautiful.

Whatever your business, Xero has all of the apps you could need.

What’s next?

We give full training with all of our all of our packages, and they come with a Xero and Receipt Bank subscription included.

We can also suggest the best bank accounts for your needs!

If you have any questions about managing your financial needs, get in touch.

We would love to hear of any other smart-money apps you love - leave us a comment below!

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About the author


Evie Cox is the Virtual Office Manager here at Cone. She loves wearing many hats in her role, with day to day jobs ranging from general office admin, developing graphic content for web and social media, and writing the odd blog here and there.


Evie loves yoga and meditation, being beside the sea, and shares her home office with her DaxiJack pup Rosie!