Automated cash earning bots

Can a chatbot really help you manage your cash? These virtual personal accountants are thought to be the future of banking — here's how it works. Oh, and you'll also be hooked up with your own personal savings chatbot who you can chat to about your finances when you feel like it!

But how will these bots help improve your finances? There's only one way to find out! We've downloaded, used and reviewed the best in this guide.

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They'll keep you up to date on savings they make through live chat — either via Facebook or their own app. The idea is that if a few quid is saved every few days, you're not likely to miss it, and will start building up a nice little savings packet without actually having to do anything.

They're safer than they sound Although you give these apps access to your bank account which might ring alarm bells for some of you , it'll be in read-only mode. These bots can only view what's going on in your account and report back to you, and any cash that they siphon to your savings pot is done by direct debit that you sign up to when you open your account.

These bots also have no access to your Facebook data bare basics like name and email, but they'll already have those from your sign-up , and likewise Facebook has no access to your banking data outside of what you discuss with your bot in messenger. If one of these apps were to go bust, Barclays would simply return your cash to you. At the moment, you can't earn interest with any of the other apps mentioned in this guide, but they all have plans to begin offering in the future.

Despite this we've had confirmation that these apps will always be free to use. You can't game the system! For more on how to use the latest tech to save cash, check out our guide to prepaid cards and our list of the best money-saving apps on the market.

Barclays, HSBC, Santander, Lloyds, NatWest, Nationwide, RBS, TSB, Halifax, First Direct, Co-operative Bank and Metro Bank. Your first saving can take a while to come through, and if you want to switch bank accounts, you need to close your account completely and start again.

Saving when you're in your overdraft. NatWest, RBS, Santander, HSBC, Lloyds, Barclays, Metro Bank, First Direct, Halifax, Citibank, Nationwide, TSB, Bank of Scotland and the Co-Operative Bank. Obviously, this promise doesn't protect you from yourself — if you're charged an unarranged overdraft fee due to a payment you made yourself , you're on your own. Improving money management and getting out of debt.

NatWest, RBS, Santander, HSBC, Lloyds, Barclays, Metro Bank, First Direct, Halifax, Nationwide, TSB.

The Bitcoin Bot

Therefore, this one is a good option for anyone looking to have better control on their finances. No savings function and the service doesn't support overdrafts. Saving towards a specific goal. Unlike the other services, you sign up to folio by scanning your debit card rather than logging in through your online banking , so it has no access to your banking data at all. Why not try signing up to them all?

Using a few of these apps simultaneously won't affect how they work, and you'll be able to tell within a few weeks which best suits your needs.

And they're free , so why not?

Internet bot - Wikipedia

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