+£5
10 mins
Snoop
£5 Free Cash•10 mins
£5 Free Cash
+£5What is Snoop?
Snoop is a free money management app that uses Open Banking to help you track spending, cut bills, and build savings.
With over 1 million users, Snoop connects all your bank accounts in one place and spots ways to save money automatically.
Launched
2019
Customers
1m+
Google Play
4.6 (8k)
★★★★★★
Key Terms
Profit
+£5
Credit checkNone
DepositNone
Free cash£5
Free cash arrives42 days
Step by Step Guide
Chris's overview
Optional·1 min read
Snoop is like having a nosy accountant mate who constantly peers over your shoulder at your bank statements - except this one actually saves you money rather than judging your Greggs habit. Founded by former Virgin Money executives (proper banking bods), the app connects to your accounts via Open Banking and hunts down ways to cut your bills.
You'll get a £5 Amazon voucher just for downloading the app and keeping your bank account connected for 28 days. No deposit, no card payments, no complicated hoops to jump through. Just link your bank and wait.
If you decide to actually use Snoop after bagging your Amazon voucher, I've found it genuinely useful for spotting forgotten subscriptions and finding better deals on bills. It's completely free and the Open Banking connection is read-only (they can see but not touch your money). Check out the full review below for more details.
1
Sign up to Snoop
5 mins
- Use the referral link below to download the app
- Create your account with your email address
On desktop? Scan QR code on your phone
2
Link your bank account
3 mins
- Connect at least one bank account via Open Banking
- Keep your account connected for 28 days
Open Banking is read-only - Snoop can see your transactions but cannot move your money.
3
Receive £5 Amazon voucher42d
2 mins
£5 Amazon voucher emailed within 14 days after your 28 day wait
- Check your email for your Amazon gift voucher
- Spend it on anything you like
Offer Complete
Done? Tick off each step above to see your total.
Snoop Full Review
Completed the offer? Awesome! Here's our full review on why Snoop could work well for you going forward.
Snoop is a free money management app that launched in 2020, founded by former Virgin Money CEO Dame Jayne-Anne Gadhia. The app uses Open Banking technology to connect all your bank accounts in one place and automatically spots ways to save money on bills and subscriptions. In 2023, Snoop was acquired by Vanquis Banking Group, giving it access to a combined customer base of over 2.7 million users. With consistently strong app store ratings and a focus on practical money-saving features, Snoop has established itself as one of the UK's most useful budgeting apps.
Is Snoop Safe?
Yes, Snoop is regulated by the Financial Conduct Authority (FCA) as an authorised Account Information Service Provider (AISP). This means they're subject to strict security and data protection requirements.
Snoop uses Open Banking technology, which is the secure, bank-approved way to share your financial data. Crucially, Open Banking is read-only - Snoop can see your transactions to analyse your spending, but they cannot move money or make payments from your accounts.
Your data is protected by bank-level encryption, and you can disconnect your accounts at any time through the app or directly through your bank. Since Snoop was acquired by Vanquis Banking Group in 2023, it now operates under the umbrella of an established, FCA-regulated banking group.
Who is Snoop For?
Snoop is ideal for anyone who wants to get a clearer picture of their finances without spending hours on spreadsheets. It's particularly useful for:
- People juggling multiple bank accounts who want everything in one place - Anyone paying for subscriptions they've forgotten about - Those looking to find better deals on household bills - Budget-conscious users who want spending insights without the faff
Snoop might not be for you if you're uncomfortable with sharing bank data via Open Banking, or if you prefer a more hands-on approach to budgeting with manual entry.
Top 5 Snoop Features
1
Multi-bank dashboard
Connect all your bank accounts, credit cards, and savings in one place. See your total balance across everything and track spending without logging into multiple apps.
2
Subscription tracker
Snoop automatically identifies recurring payments and subscriptions, highlighting any that have increased in price. Perfect for catching those sneaky price rises or services you forgot you were paying for.
3
Bill switching alerts
Get notified when you could save money by switching energy, broadband, or insurance providers. Snoop compares your current deals against the market and shows potential savings.
4
Spending insights
Automatic categorisation of your spending with breakdowns by merchant and category. See exactly where your money goes each month without manual tracking.
5
Savings account
Snoop offers an easy-access savings account with competitive interest rates, letting you set aside money directly within the app.
Pros and Cons
Pros
- ✓Completely free to use with no premium tier required
- ✓Automatically spots forgotten subscriptions and bill increases
- ✓Read-only Open Banking connection - Snoop cannot access your money
- ✓Finds better deals on energy, broadband, and insurance
- ✓Clean, easy-to-use app with strong ratings (4.8 on App Store)
Cons
- ✗Referral reward is Amazon voucher only, not cash
- ✗28-day wait required to receive your voucher
- ✗Some bill-switching features require sharing more data
- ✗No joint account tracking in the same app
Chris's Verdict
Snoop does exactly what it promises - it snoops on your finances and tells you where you can save money. The Open Banking connection is secure and read-only, so there's no risk to your accounts beyond sharing transaction data.
The subscription tracker alone has saved me from paying for things I'd completely forgotten about. The bill-switching alerts are genuinely useful rather than spammy, and the spending insights give you a proper picture of where your money goes without needing to manually categorise everything.
With over a million users and backing from Vanquis Banking Group, Snoop is a legitimate, well-established app. It's particularly good as a "set and forget" money tool - connect your accounts and let it do its thing in the background.
