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Full Account Management
Six account types — bank, credit card, investment, loan, mortgage, and savings — each with real-time balances, cleared vs pending splits, and full transaction history. See your whole financial picture in one place, instead of logging into six different banking apps.
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Credit & Overdraft Limits
Set an overdraft or credit limit on any bank or credit card account, and a colour-coded status bar with a Limit Insights panel shows exactly how much is used, plus your top spending categories. Spot an overspend before it happens, not after the bank charges you for it.
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AI Spending Insights
On-device Apple Intelligence reviews your limit usage and top spending categories to generate a personalised 1–2 sentence insight on where to focus — entirely on your device. It's a private financial coach that never sends your data off your iPhone or Mac.
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Receipt Scanner
Point your camera at a paper receipt and on-device text recognition reads the merchant, date, and total, filling in the transaction automatically. Log a purchase in seconds instead of typing it out — and nothing is ever sent to a server.
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Multi-Currency
Record a transaction in a different currency to the account it's posted to — enter the exchange rate once and Home Accounts converts and posts the correct amount automatically. Track spending abroad accurately without doing the maths yourself.
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Bank Reconciliation
Enter your statement balance and mark transactions as cleared, and a live Difference tile shows the gap between your records and the bank the moment it hits zero. Know your books are right every month, not just hope they are.
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Statement Import
Import a CSV export from your bank — Barclays, Lloyds, Santander, Halifax, NatWest and HSBC formats all work out of the box — and each row is automatically matched to an existing transaction and reconciled for you. Reconcile a month of transactions in a couple of clicks instead of ticking them off one by one.
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Transfers
Move money between two accounts in one action — a paired debit and credit are created automatically so both balances stay accurate. No double-entry bookkeeping, and no accidentally unbalanced accounts.
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Budgets
Set a monthly spending limit per category and watch a progress bar fill as you spend, turning red the moment you go over. Catch overspending in the moment, not when the statement lands.
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Reports
See your spending broken down by category over any date range — a month, a quarter, or a whole year — to see exactly where the money went. Make informed decisions about where to cut back, backed by your own data.
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Investment Portfolio
Track stock and fund holdings inside an Investment account and see each position's market value and its percentage weight in your portfolio at a glance. Understand your total net worth, not just your cash balance.
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Mortgage & Loan Forecasting
Enter your APR, opening balance, and term to see your scheduled payment, remaining term, and total interest — then model overpayments interactively. Know exactly how much extra payments save you, in pounds and months, before you commit.
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Savings Interest Forecast
Enter your savings APR and enable monthly compounding, and Home Accounts projects your balance forward automatically. See what your savings will actually grow to — no spreadsheet required.
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Subscription Tracker
Flag recurring payments like Netflix, Spotify, or insurance and see your total monthly and annual cost, with annual plans converted automatically. Spot what you're really paying for subscriptions each year — and cancel what you don't need.
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Coverage & Insurance Tracker
Log insurance and warranty policies with provider, premium, and renewal date, and policies expiring within 30 days are flagged with a warning indicator automatically. Never let cover lapse — or miss the chance to shop around for a better price.
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Document Vault
Attach files — statements, mortgage offers, insurance certificates, tax returns — to any account, where they live alongside it and share via AirDrop, email, or any app in one tap. Stop hunting through email and folders — the document is already linked to the right account.
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App Lock & Security
Protect the app with a password plus Face ID or Touch ID, and it locks automatically the moment it moves to the background. Your financial data stays private even if someone else picks up your phone.