Know what’s safe to spend before payday.

Moneta connects your UK bank accounts read-only, reads your receipts down to the last item, and keeps family money — down to the grandparents’ birthday gifts — in one calm place. On the web and on iPhone, with one account.

Start your 7-day free trial See what it does

Then £4.99 a month or £49.99 a year. Cancel any time in Settings.

Read-only. Moneta can see your balances and transactions. It can never move money.

FCA-authorised connections. Banks are connected by TrueLayer Limited (FRN 901096); you sign in on your bank’s own page.

Yours to take or delete. Export everything as CSV or PDF, or delete your account in two taps.

One app for the money that runs your week.

Moneta home screen showing net worth, safe-to-spend until payday and upcoming bills

A number you can actually use

Your budget runs from payday to payday, not the 1st of the month. Moneta takes your balance, subtracts the bills still to come, and tells you what’s safe to spend — today, and every day until money comes in again.

  • Subscriptions found automatically, with the date each one renews
  • Alerts when a bill goes up or a spend looks unusual
  • Budgets, debt payoff planner and letters to creditors when things get tight
Receipt scanner finding the edges of a paper receipt

Receipts that read themselves

Photograph a receipt and Moneta straightens the paper, cleans it up and keeps a copy small enough to store thousands. It reads the shop, the total, the VAT and every item — then links it to the card payment it belongs to.

  • Search “kettle” and find the receipt when you need to return it
  • Return-by and warranty reminders
  • Self-employed or limited company: one ZIP for your accountant, by UK tax year
Child Fund for Zosia showing the Junior ISA balance, gifts and goal

A Child Fund the whole family can see

One separate account for each child, like a Junior ISA. Both parents see every gift — even if they’ve separated — but never each other’s other accounts. Grandparents and godparents give through a link and only see what they gave.

  • Money goes straight to the child’s account — never through Moneta
  • Each gift has its own reference, so the bank feed confirms it arrived
  • Gifts can’t be deleted or hidden by anyone
Travel tax refund guide for Turkey

Get the VAT back on holiday shopping

Since Brexit, people living in the UK can often reclaim local VAT on things they bring home. Moneta has plain-English guides for 11 holiday countries, what to say in the shop, and reminds you of the deadline before you fly.

  • Spain, Italy, Greece, Portugal, France, Turkey, Cyprus, Malta, UAE, Thailand, Egypt
  • Going to Turkey for teeth or hair? What’s VAT-free and what isn’t
  • Refunds land in your spending as “Travel tax refund”
Tesco Clubcard barcode ready to scan at the till

Club cards in your pocket, prices in your head

Keep Clubcard, Nectar, Boots and the rest in one place and show the barcode at the till. And every receipt scanned in Moneta adds its prices — anonymously — to a price database built by its users, so you can see where your usual shopping is cheapest.

  • Scan the plastic card once — no more digging in your wallet
  • Household Space for a partner or teenager, each with their own login
  • Pocket money, chores and shared bills, split fairly

One plan. Everything included.

£49.99 a year

That’s £4.17 a month.

  • Read-only bank connections
  • Receipt scanner & accountant pack
  • Child Fund & family Space
  • Travel tax refund guides
  • Loyalty cards & shared price database
  • Web and iPhone, synced
Start your 7-day free trial

No card needed for the trial on the web. Prices include VAT.

Bought Moneta for life on iPhone? It stays yours for life — on the web too.

On your phone, too.

Moneta for iPhone uses the same account as the web, so a receipt scanned at the till is on your laptop by the time you get home.

Questions

Not answered here? or e-mail info@annmarlimited.co.uk.