Snoop does exactly what it says on the tin: it snoops on your finances and tells you where you can save money. Because the Open Banking link is read-only, the risk to your accounts is limited to sharing transaction data, Snoop can never make a payment or move money from your bank.

The subscription tracker on its own has paid for itself for me, catching things I'd genuinely forgotten about. The bill-switching alerts are useful rather than spammy, and the monthly spending breakdowns give you a proper picture of where your money is going without any manual tagging. With over 2 million downloads and Vanquis Banking Group behind it, Snoop is a well-established app rather than an experimental startup.

If you want a 'set and forget' budgeting tool that quietly hunts for savings in the background, Snoop is a strong pick, and grabbing a £5 Amazon voucher for setting it up is a tidy bonus on top. If you'd rather log every transaction by hand or you don't want to connect your accounts via Open Banking, it's not the right fit.