Track spend,
earn cash rewards
Award-winning finance app that tracks all your spend with tools to save money every time you shop
JOIN cheddar 
Track every penny spent across all your accounts
Link your bank accounts and credit cards, then let Cheddar categorise and sort your monthly spend
Get automatic categorisation across all your accounts today
Free download
Save every time you spend by using gift cards
Pay for your shopping using gift cards from Cheddar and brands reward you with cash instantly
Save smarter with great deals you can bank on
Link your bank accounts & credit cards to get saving solutions relevant to your spend
Put your savings on autopilot
Get automatic cashback when shopping online and in-store with a linked account
Get paid back faster, with no fuss!
Split costs by bank transfer using your linked account. No account details needed.
Downloaded by 100k+ people this year
Megan Micklewright
Financial influencer of the year 2023
“Very user friendly! Nothing is over complicated. I like how innovative Cheddar is”
Sammie Ellard-King
Money Content Creator of the Year 2024
“I absolutely love what you guys do! Me and the Mrs saved a ton of money”
Chloe’s Deal Club
Financial Influencer of the year 2024
“Cheddar is going to be the biggest & best finance app in the UK”
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