Four steps. One is yours.
No jargon and nothing to decode. You add your money once, Blooom keeps watch, and every decision stays with you. Here's the whole thing, exactly as it looks inside.
01 · See it clearly
Add your money in about a minute per place
Pick your bank, tick what you hold there, pop in rough figures. That's the whole job — exact pennies, rates and dates can come later, whenever you fancy.
You do
Three taps per account. Rough is fine.
Blooom does
Builds your net worth and keeps the history.
Everything saves as an estimate you can refine any time. Nothing is ever required beyond a place and a rough amount.
02 · Blooom watches
The quiet engine gets to work
Your rates against today's verified top ones. Your renewal dates on Radar. Your allowances against what you've used. All of it checked against your own numbers, not somebody's average.
You do
Nothing. This part runs itself.
Blooom does
Watches rates, dates, fees and allowances.
Your savings could earn about £282 more a year at today's top easy-access rate — worked out on your £12,000 balance, with the maths shown.
Rates verified against providers' own pages and dated. When something changes, you hear about it calmly, and in good time.
03 · You decide
Both sides, then it's your call
Every finding shows its working and the whole picture, including the bits that don't flatter it. Blooom never tells you what to do. It shows you what is, and the decision stays yours.
You do
Weigh it up. Act on it, or don't.
Blooom does
Lines up the facts and sets any reminders.
The 8% applies to each monthly deposit only while it's in, so the honest figure is £130, not £240. We show you that maths too — it's your money, and you can see how it really works.
04 · It grows
Watch your money start working
Every move you make gets counted, and only your moves. Market wobbles never inflate it and never count against you. It's the most honest number in the app, and it only rises when you act.
You do
Make the moves that suit you.
Blooom does
Keeps the honest running total.
Counted from the day you acted, at the rates on that day. What you paid in is never dressed up as growth.
What Blooom can't do
Every tool has limits, and hiding them would be the opposite of the point. Here are ours, in plain English, so you always know exactly what you're looking at.
We show you information and options
We don't give regulated financial advice
Everything here is built from facts and from your own figures — the best easy-access rate, how much ISA allowance you have left, what you may be eligible for. That's information, not a personal recommendation to do any particular thing. The coach is the same: it shares what your numbers say, not a verdict. For advice about your own circumstances, a regulated adviser can help.
We rank savings by rate, highest first
We don't score service, apps or call centres
The best rate isn't always the best account for you. We rank by the number — the AER — and we don't measure how good a provider's app is, how fast a withdrawal lands, or what their customer service is like. Those things matter too, and they're worth checking in reviews elsewhere before you open anything.
We aim to be accurate
We can't promise a rate hasn't changed
Providers can change their rates and terms at any time. The rates you see on Blooom are illustrative samples to compare with, not a live feed. The provider's own site is the only definitive place for today's rate, so it's always worth checking there before you open an account.
We show whether FSCS protection applies
We don't assess how safe a provider is
We can tell you whether the FSCS protection scheme covers an account, but not how likely a provider is to run into trouble — any company can. That's exactly what the FSCS is for: it protects eligible deposits, automatically and for free, if a UK-authorised bank fails.
Statutory figures are sourced and tested
Illustrative figures are estimates
The legal figures — allowances, protection limits, tax bands — come from one sourced, tested place, and we re-check them every tax year. Everything else, like growth projections and sample rates, is a clearly labelled illustration: a picture to help you think, not a promise of what you'll get.
We link you to the provider to open accounts
Their site is theirs, not ours
When you're ready to open an account, that happens on the provider's own site, under their terms and their privacy policy. We choose the links we send you to carefully, but once you're on someone else's site we can't vouch for its content.
Now see what a better rate is worth on your savings.
One number, your rate against the best we track — free, and nothing to sign up to look.