Snoop
UK money app that tracks spending, sets budgets and watches bills through Open Banking, with a paid Snoop Plus tier
Quick Overview
| Company | Usnoop Limited |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Bradford, United Kingdom |
| Founded | Not stated |
| EU Presence | Yes - United Kingdom (UK, outside the EU) |
| Data Location | Amazon Web Services in the EEA; analytics providers in the US are listed |
| Open Source | No |
| GDPR Compliant | Yes (UK GDPR) |
| Self-Hosting | No |
| Main Features | Account overview, automatic categorisation, spending analysis, monthly and category budgets, bill and subscription tracking, credit score, savings account, refund and spending alerts (Plus) |
| Pricing | Free; Snoop Plus GBP 5.99 per month (GBP 47.99 billed annually) |
| Best For | UK users who want budgets plus bill and subscription monitoring |
| Replaces | YNAB, Monarch |
Detailed Review
Usnoop Limited operates Snoop with a registered office in Bradford, England (company number 11797870) and is registered with the FCA under the Payment Services Regulations 2017 (firm reference 911638), according to its terms and footer.
Snoop uses regulated Open Banking to show bank accounts, savings accounts and credit cards in one app, and applies automatic categorisation and spending analysis by category or merchant. Budgets can be built by hand or suggested by the app.
Budgets and Spending
Users set a monthly budget and budgets per category and track spending against them, with alerts when the app expects a budget to be exceeded. Spending can be tracked from payday to payday.
Snoop Plus adds unlimited custom categories, unlimited spending reports and alerts, refund alerts, net worth tracking, manual accounts and data export.
Bills and Savings Ideas
Snoop tracks regular payments and subscriptions, sends reminders of upcoming bills and renewals, and shows switching deals. The terms state that it does not give financial advice and that partners may pay Snoop when users move to them. A savings account with a partner provider is available in the app.
Data Handling
The privacy policy lists Amazon Web Services (EEA) as hosting and names analytics providers Amplitude and Segment in the US. Snoop describes its Open Banking connection as read-only secure technology.
Limitations to Consider
Snoop is a UK company built around UK banks and products, and the UK is outside the EU. The privacy policy lists US analytics providers (Amplitude and Segment). Part of the product is built on partner offers and switching deals, for which the terms say third parties may pay Snoop. Custom categories and exports require Snoop Plus at GBP 5.99 per month. For a euro-priced alternative see Linxo.
Who Should Use Snoop
UK residents who want one app for budgets, bills and subscriptions and accept partner offers inside it.
Pros and Cons
Pros
- UK company with FCA registration
- Free plan with budgets
- Bill and subscription tracking
- Hosting in the EEA
- Terms state that it gives no advice
Cons
- Outside the EU (UK GDPR applies)
- US analytics providers listed
- Partner payments for switching deals
- Custom categories only in Snoop Plus
Alternatives to Snoop
Other European budgeting apps worth comparing before you decide:
Wallet by BudgetBakers
Czech Republic · Czech budgeting app with bank sync and multi-currency
Finanzguru
Germany · German finance app with contract detection and AI companion
Finanzblick
Germany · Free German multibanking and budget app on own servers
Spendee
Czech Republic · Prague budgeting app with shared wallets and bank sync
See all European budgeting apps or compare them directly against YNAB on our alternatives page.
Frequently Asked Questions
Yes, there is a free plan with account overview, categorisation and budgets. Snoop Plus costs GBP 5.99 per month, or GBP 47.99 billed annually.
Usnoop Limited, registered in England under company number 11797870 and registered with the FCA under reference 911638.
No. The terms say Snoop does not provide advice on your financial circumstances and its alerts should not be read as advice.