FreeIn poundsNo open banking
A free budget app for the UK, no bank login needed
Many UK budgeting apps start by asking for your bank login. Flo Money doesn’t: say what you spent, paste your bank’s alert or scan a receipt, and Flo keeps your budget in pounds, with Council Tax, energy and the TV Licence counted before they go out.
No credit card Set up in a minute Delete anytime
No open banking
Budget without handing over your bank login
You add what you spend, by voice, by pasting the alert your bank sends or by scanning a receipt, so you know exactly what’s in there and Flo never needs to reach into your account.
- Nothing pulled from your accounts
- No bank passwords, ever
- You decide what goes in
Bills
Council Tax, energy and the TV Licence, counted
Add your regular bills once, from rent or the mortgage to broadband and car insurance, and Flo reminds you the day before each one and keeps it in what’s left for the month.
- A reminder the day before each one
- Counted in what’s left before it goes
- Ticked off as it’s paid
Home
What’s left this month, in pounds
One number for the month and what it comes to per day, with your bills counted before they’re paid. Dates are written the British way, and amounts in pounds and pence.
- What’s left, and how much a day
- Where the money went, by category
- Budgets that warn you in time
Flo AI
“Where am I overspending?”
Ask Flo about your money and get an answer from your own transactions, in pounds, with the categories and the amounts. Tell it about a bill and it offers to set it up.
- Answers with your own numbers
- Bills set up from one sentence
- Nothing changes without your OK
Built for life in the UK
Choose the United Kingdom when you sign up, and Flo starts with what life here costs.
Bills Flo knows
One tap to add, with a reminder the day before each.
- Rent
- Mortgage
- Council Tax
- Energy
- Water
- Broadband
- Mobile
- TV Licence
- Car insurance
- Gym
- Netflix
Shortcuts for where you spend
Ready before you’ve logged a thing, then Flo learns your own.
- Tesco
- Sainsbury's
- Aldi
- Lidl
- Pret
- Costa
- Greggs
- Deliveroo
- Just Eat
- TfL
- Uber
- Amazon
Your bank’s SMS, read for you
Paste a message like this one, and Flo fills in the expense:
£12.40 at TESCO STORES 2041 on your card ending 1234…
Festivals Flo plans for
A few weeks before each, an offer to set money aside.
- Christmas
Privacy
Your money stays yours
A finance app is only worth using if you can trust it. Here’s what that means at Flo.
No bank connection
Nothing is pulled from your accounts. You decide what goes in.
Encrypted in transit
Every request travels over TLS, the standard banks use.
Never sold
No ads and no data brokers. Your numbers are only yours.
Gone when you say
Delete your account and everything in it, from inside the app.
Read the full privacy policy.
Flo Money in the UK: questions, answered
Is Flo Money free in the UK?
Yes. Flo is free, with no trial and no card, and it’s set up for the UK: pounds, dates written the British way, local shops and the bills people here pay.
Do I have to use open banking?
No. You log spending yourself, by voice, a pasted bank alert or a receipt, in a few seconds, so Flo never needs your bank login.
Can I track Council Tax and the TV Licence?
Yes. They’re among the bills Flo suggests in the UK, with rent, the mortgage, energy, water, broadband and car insurance. Add each one once, and Flo reminds you the day before it’s due.
Does Flo work with UK bank alerts?
Yes. Paste an alert like “£12.40 at TESCO STORES 2041 on your card ending 1234…” and Flo reads the amount, the shop and the date. In the Android app, Flo can catch alerts as they arrive, and asks before adding each one.
Is my data safe?
Everything travels encrypted, each account can reach only its own data, and your data is never sold. You can delete your account and everything in it from the app at any time.
Flo in other countries
Living somewhere else? Flo works in every currency, and sets itself up for where you live.
Your money in the UK, finally clear
Free, private, and set up in a minute. Flo takes it from there.