Is there a money app that doesn't need your bank login?
Written by The Blooom editorial team, published and updated . It takes about 4 minutes to read.
Yes. Some UK money apps work from figures you type in, so they never connect to your accounts or send you to your bank to approve access.
Is there a UK money app that doesn't need your bank login?
Yes. Blooom works from figures you type in, with no bank login.
How does open banking connect an app to my bank?
You approve access in your bank's own app. The money app never sees your password, and the link is read-only and regulated by the FCA.
What does a manual money app miss?
It won't see your spending or update balances by itself. It is better at the slow picture: what you own and what it earns.
Two ways an app gets your numbers
Connected apps use open banking. You approve access in your bank's own app, the money app never sees your password, and the connection is read-only and regulated by the FCA.
Manual apps skip the connection. You type in what you hold, and the app works from those figures.
See your own figures
Put in one account and Blooom shows what it earns, what it could earn, and every date that matters.
Why some people choose manual
- They would rather no app had a live link to their accounts, however well regulated.
- Much of what they own cannot be connected anyway: pensions, property, Premium Bonds and older savings accounts.
- They want the whole picture, not just the current account an app can see.
What you give up
A manual app will not see your spending or update balances by itself. It is better at the slow picture, what you own and what it earns, than at last week's transactions.
Questions worth asking any manual app
- Where are your figures stored, and can you delete them yourself in one step?
- How does the app make money?
- When it shows a savings rate, does it say when that rate was checked?
Figures checked 3 Oct 2026 (2026/27 tax year), from gov.uk and the FSCS.
Blooom gives information and eligibility, not regulated advice. Figures are for the tax year named above and the right choice depends on your own circumstances.
Read next
See your own figures
Put in one account and Blooom shows what it earns, what it could earn, and every date that matters.