🇬🇧Worst Finance Apps in United Kingdom

The most complained-about finance apps in United Kingdom on App Store and Google Play, ranked by total negative reviews (1-2 stars) from real users. Updated weekly.

#AppRatingNegative Reviews
1One4all Digital Wallet
One4all Digital WalletOne4all
4.2466
2NS&I
NS&INS&I
2.1458
3Premium Bonds prize checker
Premium Bonds prize checkerNS&I
2.6422
4Frasers Plus
Frasers PlusTymit LTD
4.7395
5Santander Mobile Banking
Santander Mobile BankingSantander UK plc
4.7379
6Emma - Budget Planner Tracker
Emma - Budget Planner TrackerEmma Technologies LTD.
4.4346
7LemFi
LemFiPomelo Technology Inc
4.5342
8HMRC
HMRCHM Revenue & Customs
4.6268
9Hastings Direct Insurance
Hastings Direct InsuranceHastings Direct
4.5256
10Google Wallet
Google WalletGoogle LLC
4.3245
11Testerup: Test & Earn Rewards
Testerup: Test & Earn Rewardsaestimium GmbH
4.0235
12Amex United Kingdom
Amex United KingdomAmerican Express
4.8233
13Zopa Bank – Mobile Banking
Zopa Bank – Mobile BankingZopa Ltd
4.9230
14Creation Finance
Creation FinanceCreation Consumer Finance Limited
4.7215
15PayPal - Pay, Send, Save
PayPal - Pay, Send, SavePayPal Mobile
4.2206
16Zopa Bank – Mobile Banking
Zopa Bank – Mobile BankingZopa Bank Ltd
4.7205
17HSBC UK Mobile Banking
HSBC UK Mobile BankingHSBC
4.7199
18Moneybox - Save and Invest
Moneybox - Save and InvestDigital Moneybox Limited
4.7189
19Vanquis Credit Card
Vanquis Credit CardVanquis Bank
3.8187
20NatWest Mobile Banking
NatWest Mobile BankingNational Westminster Bank Public Limited Company
4.7182
21Trading 212: Stocks, ETFs, ISA
Trading 212: Stocks, ETFs, ISATrading 212
4.6151
22MoneySavingExpert
MoneySavingExpertMoneySavingExpert.com
4.9148
23Klarna: Smarter everyday money
Klarna: Smarter everyday moneyKlarna Bank AB (publ)
4.8142
24HSBC UK Mobile Banking
HSBC UK Mobile BankingHSBC Global Services (UK) Limited
4.8142
25Monzo Bank - Mobile Banking
Monzo Bank - Mobile BankingMonzo
4.8136
26Nationwide Banking App
Nationwide Banking AppNationwide Building Society
4.8118
27Sprive - Mortgage Free, Faster
Sprive - Mortgage Free, FasterSprive Limited
4.7104
28Zable - Mobile Finance
Zable - Mobile FinanceZable
4.8104
29Chase UK
Chase UKJPMorgan Chase
4.7103
30Revolut — Banking & Beyond
Revolut — Banking & BeyondRevolut Ltd
4.787
31Capital One UK
Capital One UKCapital One (Europe) PLC
4.881
32Halifax Mobile Banking
Halifax Mobile BankingLloyds Banking Group PLC
4.675
33Barclays
BarclaysBarclays Services Limited
4.674
34Lloyds Mobile Banking
Lloyds Mobile BankingLloyds Banking Group PLC
4.770
35Experian: Credit Score
Experian: Credit ScoreExperian Limited
4.670
36MoneySavingExpert
MoneySavingExpertMoneySavingExpert.com
4.868
37Legal & General
Legal & GeneralLegal & General Resources Limited
4.845
38Sprive - Mortgage Free, Faster
Sprive - Mortgage Free, FasterSprive Limited
4.639
39Legal & General
Legal & GeneralLegal & General
4.825
40Argos Pay
Argos PayNewDay Ltd
3.716
41myEquifax UK
myEquifax UKEquifax Incorporated
2.19
42Sage Individual
Sage IndividualSage Global Services Ltd
4.32
43Revolut — Mobile Finance
Revolut — Mobile FinanceRevolut Ltd
4.90
44Argos Pay
Argos PayNewDay Ltd
1.90
45Wise - Global Money
Wise - Global MoneyWise Payments Ltd
4.80
46Capital One UK
Capital One UKCapital One (Europe) plc.
4.80
47Santander Mobile Banking
Santander Mobile BankingSantander UK plc
4.80
48Starling - Mobile Banking
Starling - Mobile BankingSTARLING BANK LIMITED
4.90
49Monzo Bank - Mobile Banking
Monzo Bank - Mobile BankingMonzo Bank Limited
4.90
50Testerup: Earn Money & Rewards
Testerup: Earn Money & Rewardsaestimium GmbH
4.30

Why Finance Apps Fail in United Kingdom

Finance apps that earn the most complaints in United Kingdom usually share the same failure patterns: missing local payment methods, broken integrations with country-specific services, slow servers, missing language support, or feature parity gaps with the global version. Reviews concentrate around the moment a finance feature works in the US or UK but breaks in United Kingdom.

This page ranks finance apps in United Kingdom by total number of negative reviews (1-2 stars). Whether you are researching competitors before launching a finance app in United Kingdom, benchmarking your own app against local pain points, or just curious which finance apps users in United Kingdom complain about most: this data shows you what is actually happening on the ground, not what marketing pages claim.