Money, bills & shopping
Lloyds found 56% of UK adults used AI for money matters in the past year, and six in ten of them used ChatGPT rather than a dedicated app. The specialist apps are narrower. Plum moves small sums into savings without being asked and Amazon's Rufus shows a year of price history, while Phia is listed here as a warning after two data and affiliate scandals.
Updated monthly.
Kenning's picks
Ranked by Kenning score out of 25. Tools scoring 12 or less are marked not recommended.
Plum
Plum reads a linked current account and moves small, affordable amounts into savings automatically, and its free Plum Plan chat turns a goal like a house deposit into a list of accounts and monthly amounts. The Basic plan is free, and Plum says 150,000 people have used its AI guidance. Regulars in user reviews grumbled in 2026 about price rises and the end of interest on some pockets.
Best for People who struggle to save and want it done in the background
Amazon Rufus
Rufus sits in the corner of the Amazon app for every UK customer and answers questions like which kettle is quietest, or whether a deal is really a deal, using up to 365 days of price history. It is free, and Amazon says 300 million people used it in 2025. It only recommends Amazon listings, sponsored products are being added to its answers, and Business Insider found it had barely improved after a year.
Best for Amazon shoppers checking whether a discount is real
Cleo
Cleo links to a bank account and turns spending into a chat, so asking how much went on takeaways this month gets a straight answer and, on request, a roast. It returned to the UK in February 2026 after four years away, and the useful paid extras cost £12.99 a month. In the US it paid a $17 million FTC settlement over cash advances and hard-to-cancel subscriptions, and individual reviewers still complain about surprise charges.
Best for Younger people who find budgeting apps dull and want spending explained in chat
Phia
Phia adds a button to shopping pages that rates the price and lists cheaper matches, including secondhand ones, mostly from US shops. In Nov 2025 researchers found its extension sending whole web pages, including banking and email pages, to its servers, and in Jul 2026 Bloomberg and Ben Edelman showed it quietly claiming affiliate commission on sales it had not referred.
Best for Nobody, until Phia's data and affiliate practices are independently cleared
More tools
Alexa for Shopping
Amazon's US shopping assistant that merges Rufus and Alexa+ for product questions, price tracking and automatic buying.
ChatGPT Shopping Research
ChatGPT mode that asks about needs and budget, then builds a personalised buying guide from across the web
Composer by SoFi
US trading app where investors describe a strategy in plain language and AI builds and runs it
Emma
UK budgeting app joining accounts and flagging subscriptions. Founder said Jul 2026 that AI features are planned, not central.
Finances in ChatGPT
ChatGPT feature that links bank and investment accounts to answer money questions and show a spending dashboard.
Hero
Phone app that prices second-hand items from a photo and lists them on eBay and Facebook
Keeper
US tax filing and bookkeeping service for freelancers that finds write-offs and files returns
Klarna
Buy-now-pay-later app with price comparison, cashback and an OpenAI assistant the UK page describes mainly as customer support.
Lloyds AI financial assistant
Lloyds app assistant announced Nov 2025 for spending insights and savings. Full customer rollout is still a 2026 milestone.
Nous
UK service tracking energy, broadband, mobile and mortgage contracts, then switching households to cheaper deals it says are AI-driven.
PriceSpy
A UK price comparison and price-history site and app for electronics and household goods.
Questflow
AI finance agent that copies top investors' strategies and trades across crypto and other markets
Revolut AIR
Revolut's UK AI assistant, from April 2026, answers spending questions and can freeze cards or manage subscriptions.
Robinhood Agentic Trading
Robinhood feature that lets an outside AI agent research and place trades from a separate, dedicated brokerage account.
Snoop
A free UK money app that analyses bank transactions to spot cheaper bills and set budgets, without a chat assistant.
Starling Assistant
Opt-in AI assistant in the Starling app, launched March 2026 on Gemini, that answers spending questions and sets savings goals.
Trolley.co.uk
A UK supermarket price comparison app and browser extension covering Tesco, Asda, Sainsbury's and others; no AI features found.