independent

Thursday 17 April 2014

Top 300 apps: Money and security

Want to save money and keep your phone safe? Here's how

Expensify

iPhone, Android; free

Receipts and expenses are the bane of the business person. This is a very easy-to-use, well laid-out app to log bills, credits, receipts, mileage and other common expenses. It gives you extra functionality, such as being able to import expenses from credit card or bank accounts. No more carrying around wads of paper and wondering where last night’s taxi receipt went.

Karl’s Mortgage Calculator

Android; free

Wouldn’t it be great if banking apps showed you clearly what happens to your principal sum and interest over the term of your mortgage? That’s what this app does.

SplitWise

Android; free

For those who stress over splitting bills, this is a timely app. Whether it’s in the restaurant or between flatmates, this neatly records what each person owes and when payments are due.

PayPal

iOS, Android; free

PayPal has ambitions to be universally accepted in shops, just like a credit card. This is more advanced in the US than it is here. Its well designed app makes the process quicker.

Banking apps

iPhone, Android; free

The five biggest Irish banks (AIB, Ulster Bank, Bank of Ireland, Permanent TSB, Danske Bank) have apps that generally allow you to pay bills and check your accounts.

Azimo

iOS, Android; free

Wiring £1,000 (€1,180) from London to Dublin typically costs about €60 from a bank. But it costs around €10 using Azimo, which is for transferring cash from Britain to other countries.

EasyMoney

iPhone, Android; free

EasyMoney forces you to make lists of items you normally wouldn't think of accounting for. It then gives you effective visualisations and projections of your finances.

mSecure

iOS, Android; €8

Remembering passwords is a nightmare. This app allows you to pick one password, which gains you entry into an online ‘safety vault’ where you store other passwords.

My Permissions Online Privacy Shield

Android; free

When we download apps, we give all sorts of permissions to access details from our phones and accounts. This app tells you exactly what apps are accessing what information from you.

Avast Mobile Security

Android; free

Android phones are a little more susceptible to malware than iPhones. Avast scans for malware and offers anti-theft features, which give you remote control over the handset.

AVG Mobile AntiVirus Security Pro

Android; €11

If you really want beefed-up security, this is probably the app to get. As well as scanning your machine for viruses, this app allows you to remotely lock or wipe your device.

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