Gains: Budgeting & Cashback

Making life less expensive

The money app that actually helps you keep more of it.


Gains combines smart budgeting, instant cashback rewards, and AI-powered insights - all in one beautifully simple app.

What Makes Gains Different

Most budgeting apps show you where your money went. Gains helps you keep more of it.
Connect your bank accounts in seconds using Open Banking, and Gains does the rest.

Track your spending, set budgets that actually work, and earn cashback on your everyday shopping - from supermarkets to clothes shops.

No complicated spreadsheets. Just a clear picture of your money and simple ways to make it go further.

Key Features

Smart Budgeting

Connect all your UK bank accounts in one place
Automatic transaction categorisation
Set monthly budgets by category
See exactly where your money goes

Instant Cashback

Earn money back on everyday spending
Cashback at supermarkets, high street shops, restaurants and more
Instant gift card rewards
No waiting, no points to track - just savings

AI Money Assistant

Chat with your personal money assistant
Get personalised insights based on your spending
Ask questions about your finances in plain English
Smart suggestions to help you save more

Built for the UK

Works with all major UK banks
Designed around UK spending habits
No currency conversions or workarounds
Created by a team who actually use it

How It Works

Download & Connect - Link your bank accounts securely using Open Banking
See Everything - All your accounts, spending, and budgets in one place
Start Saving - Earn cashback and get smart tips to keep more money

Security You Can Trust
Your data is protected with bank-level encryption. We use Open Banking - the same secure technology used by major UK banks. We'll never sell your data or share it without your permission.

Gains is registered with FCA Agent Status via TrueLayer.

Free to Download
Gains is free to download and use all core features.