Are you looking for new personal money management apps to try out in 2022? Let’s discuss the top 5 tools I’ll be keeping an eye on this year.
The list: https://fioney.com/top-5-personal-money management-apps-2022/
PointCard review: https://fioney.com/point-card-review/
PrizePool review: https://fioney.com/prizepool-review/
Peak Money review: https://fioney.com/peak-money-app-review/
One money management review: https://fioney.com/one-money management-review/
The first pick on my list is the premium charge card PointCard – which is more specifically now known as PointCard Neon
As I noted in my review, I was definitely skeptical of the PointCard at first – especially because it currently carries a $99 annual fee. However, I’ve been impressed with the cashback Access offers and rewards the card includes as well as other promotions such as Streaks. I also like how easy and instant it is to convert your earned points to cash and how the card reimburses ATM fees.
Looking ahead, the reason the PointCard charge card is now known as Neon is because the firm is getting ready to launch a charge card called Titan. While I’m not sure that this new card will be right for me, it is interesting to see the firm expanding its offerings, which is why they easily make my list.
Next, another app I’ve enjoyed using and will continue to utilize in 2022 is the prize linked savings account PrizePool
Last year, I featured the lottery-inspired savings app Yotta on my list. In many ways, Yotta and PrizePool have a lot in common – which is why I made a video comparing them. However, upon further inspection, there are some key differences. And while I still actively use both, I think PrizePool could have the more interesting year ahead of it. Currently, the app is in the process of rolling out its charge card product and has also opened a waitlist for a crypto savings account. Meanwhile, I’ve continue to see regular wins from their weekly prize drawings, even if they only amount to a few cents each. Overall, while PrizePool will inevitably still inspire comparison to Yotta, I think the competition between the two will yield strong results throughout 2022.
Also on my list is an automated savings app I only recently started using for myself, Peak Money
On the surface, Peak Money may seem like a fairly straightforward savings platform. Like others, it allows users to create goals and build automated savings plans to help them achieve them. That said, the fun design and customization elements of the app help it stand out from the pack in my eyes. What’s more, the $4.99 a month Peak Premium offering adds other noteworthy features such as Actions. Whether you create a custom Action or opt for one of the featured ones, these provide plenty of fun and easy ways to help grow your savings. Although 4.99 a month is steep, I’ve been impressed with what Peak Premium has to offer – but I think it’d definitely worth checking out the free version of the app either way.
While we’re talking about apps I don’t have a ton of experience with yet but have been fascinated by, let’s discuss Credi.ai
Admittedly, I’m still not 100% sure how Cred.ai’s unicorn card works, but I definitely see its potential. First, the account makes a splash by offering a free metal card emblazoned with a fun unicorn icon. Aesthetics aside, what makes Cred.ai interesting is that it helps users build borrowing by reporting a borrowing limit to bureaus while helping ensure that your balance is paid odd. Elsewhere, the app is packed with interesting features and designs that show the FInTech has some big ideas. So, while I still need to fully test the service, I’m absolutely looking forward to doing so this year.
Finally, rounding out my list is an app I’ve been using for a while but continues to go strong and that is One money management.
One is an app I’ve been using for more than a year now and have seen continually evolve for the better. When I first joined, I was already intrigued by their Pockets feature that allows users to set savings goals or financial plan their funds and even use the platform as digital envelopes, selecting which Pocket they want their charge card to pull from for any given transaction. Also noteworthy is the 1% APY One pays on up to $5000 in funds places in your Save pocket as well the 3% APY paid on up to $1,000 a month Auto-Saved via direct deposit or charge card round-ups. Plus, like Cred.ai, One also offers a free borrowing Builder account. Overall, given the year they had in 2021, I see One money management continuing to grow into a major neobank competitor throughout 2022.
For more money management product reviews make sure to visit https://fioney.com/category/reviews/
and for all my personal money management app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
#FinTech #PersonalFinance #FioneyMoney
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