The Snoop budgeting app allows users to keep track of spending across multiple accounts, create budgets, receive alerts about upcoming bills, and gain insight into where they could be saving money. Its Basic plan is free to use, but the paid-for version unlocks its full range of features.
Pros
- Links to your accounts
- Identifies wasteful spend
- Alerts you to upcoming bills
- Money saving suggestions
Cons
- Best features reserved for paid-for versions
- No linked savings account
- No automated saving tools
Costs
Free for standard version
Account types
Snoop/ Snoop Premium
Key features
Spending categorisation, saving suggestions, bill reminders, budget setting
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Launched in 2019, Snoop is a money management app that offers budgeting tools, automatic spending analysis and upcoming bill alerts.
Users can view multiple accounts in one place, see a breakdown of their spending, create a budget and access periodic deals with retailers based on their shopping habits.
There’s also a comparison tool that allows users to search for deals on broadband, insurance, loans and more.
You can use Snoop for free, but there’s also a paid-for version – Snoop Plus – that comes with additional tools.
Snoop features
Snoop offers a wide range of tools and features that allow users to track their spending and – hopefully – save money.
Linking accounts
Through open banking, Snoop users can link multiple bank accounts to the app, and view them all in one place.
It’s compatible with most major UK banks, including Halifax, Monzo, Santander, NatWest, Bank of Scotland, Starling Bank and HSBC.
You can also connect credit cards from providers such as American Express, Barclaycard and Vanquis.
Budgeting
Snoop automatically breaks down users’ spending by category, offering an overview of spending patterns. Along with this overview, users can access a weekly spending report, and monthly spending analysis.
Elsewhere, Snoop’s daily balance updates could save users the time and effort of manually checking multiple accounts.
As well as providing a clear picture of your spending patterns, Snoop allows you to create a monthly budget, and track spending across individual categories – such as groceries or travel.
Snoop Plus users (more on this below) can create an unlimited number of custom categories for their transactions, and track their total net worth too.
Managing bills and subscriptions
Snoop has a built-in comparison tool that allows users to search for deals on a range of financial products and utilities, including:
- Mobile phone contracts
- Credit cards
- Insurance
- Mortgages
- Broadband
- Loans
- Energy
- Pensions
It’s worth noting that this tool may not offer a full picture of the market, since some providers only sell directly.
Users can also enable reminders to automatically let them know if a refund, bill, subscription payment or contract renewal is coming up.
Snoop Plus users can choose whether bills are tracked month to month, or payday to payday.
Money saving suggestions
Snoop doesn’t offer its own savings accounts or automated saving tools, but the app can give you some pointers when it comes to saving money.
Through relationships with partner retailers, Snoop periodically offers money-off vouchers and other deals to users based on where they shop.
Elsewhere, the app alerts you if you could be spending less on your bills.
Snoop pricing
Snoop offers two plans – one is free to use, and the other charges a monthly fee of £4.99, or an annual fee of £31.99.
The majority of Snoop’s features are available through its free-to-use version.
Users can connect their accounts and view them all in one place, receive daily balance updates, get reminders about upcoming payments and view a breakdown of their spending.
One of the app’s main perks – its built-in comparison platform – is also available to users on the free plan.
- Snoop Plus – £4.99 per month
In exchange for a fee, Snoop Plus users get access to all the free features above, along with a range of extra budgeting and money tracking tools.
Plus users can track their net worth, view spending patterns from payday to payday, and create unlimited spending alerts, refund alerts and spending reports.
They can also add an unlimited number of custom spending categories.
Who is the Snoop app suitable for?
If you’re looking for insights into your spending habits, and a convenient way to keep track of multiple accounts in one place, Snoop could be an option worth considering.
While some of the best features are reserved for paying subscribers, most tools can be accessed for free.
Snoop Plus is reasonably priced – particularly if you choose the annual payment option – with subscription fees comparable to similar apps.
Another bonus is the built-in comparison tool, while Snoop’s money saving suggestions could save you time and effort when it comes to hunting for the best deals on your bills and shopping.
That said, if you’re looking for a budgeting app that can help you invest, or streamline the process of setting money aside, Snoop may not be the right option for you.
It does not offer an investing platform, linked savings account, or any automatic saving features.
