Let’s be honest — managing money used to be a chore. Tracking expenses with spreadsheets, waiting in long bank queues, setting savings goals you never really followed through with…
But fintech? It changed the game.
With just your smartphone, you can now invest, save, budget, pay, borrow, and even grow your wealth — all in real time.
We’ve rounded up the Top 7 Fintech Apps that are actually worth your time in 2025. Whether you’re a budgeting newbie or a crypto-savvy investor, these tools can help you level up your finances — without the headache.
1. Mint – Best for Budgeting & Expense Tracking
Why you’ll love it:
Mint links all your accounts — bank, credit cards, bills, investments — into one dashboard. It automatically categorizes your spending, tracks your subscriptions, alerts you when you’re overspending, and even helps you build a budget that makes sense for your life.
✅ User-friendly
✅ Free to use
✅ Real-time updates
Perfect for: People who want to stop wondering “Where did my money go?” every month.
2. YNAB (You Need A Budget) – Best for Serious Budgeters
Why it’s different:
YNAB isn’t just an app — it’s a budgeting philosophy. Every dollar has a job, and you give your money purpose before you spend it. It teaches you to break the paycheck-to-paycheck cycle and start planning ahead.
✅ Educational and empowering
✅ Syncs with your accounts
✅ 34-day free trial
Perfect for: Those who are tired of living paycheck to paycheck and want to be intentional with money.
3. Revolut – Best All-in-One Financial App
What it does:
Revolut combines banking, budgeting, investing, crypto, currency exchange, and even travel perks — all in one sleek app. It’s especially great if you travel or freelance internationally.
✅ Buy stocks & crypto
✅ Hold multiple currencies
✅ Split bills, send money instantly
Perfect for: The modern, mobile-first user who wants everything in one place.
4. Acorns – Best for Beginner Investors
How it works:
Acorns rounds up your everyday purchases to the nearest dollar and invests the spare change. You won’t even notice the money is gone — but it’s busy growing in the background.
✅ Hands-off investing
✅ Built-in educational tools
✅ Retirement accounts available
Perfect for: People who say, “I want to invest but I don’t know how to start.”
5. Robinhood – Best for Commission-Free Stock Trading
Why it stands out:
Robinhood democratized investing by removing commission fees and making trading super accessible. Stocks, ETFs, crypto — you can buy and sell with a few taps. Just be cautious: it makes trading too easy, so stay informed.
✅ No minimums
✅ Clean interface
✅ Real-time market data
Perfect for: Anyone ready to dip their toes into the stock market without the intimidating Wall Street vibe.
6. Chime – Best for Everyday Banking with No Hidden Fees
What makes it shine:
Chime is like the cool younger cousin of traditional banks. No monthly fees, no overdraft fees (up to $200), early direct deposit, and super sleek mobile experience.
✅ Save automatically
✅ Get paid up to 2 days early
✅ SpotMe for fee-free overdrafts
Perfect for: People who want a mobile-first bank that doesn’t eat away at their money.
7. Coinbase – Best for Getting Started with Crypto
Why it’s a must-have:
If you’re curious about crypto, Coinbase makes it easy to start buying Bitcoin, Ethereum, and other digital assets. The interface is friendly, and there’s even a “Learn & Earn” feature where you get free crypto for completing short lessons.
✅ Great for beginners
✅ Secure and regulated
✅ Supports 100+ coins
Perfect for: Newbies to the crypto space who want a safe place to explore.
Honorable Mentions:
- Splitwise – Best for splitting expenses with friends or roommates
- Truebill (now Rocket Money) – Helps cancel unused subscriptions
- Cash App – For sending/receiving money, investing, and buying Bitcoin
The right fintech app doesn’t just make your life easier — it helps you take control of your money in ways that used to be reserved for the wealthy or the tech-savvy.
Try a few, see what fits your lifestyle, and build your own personal finance stack. The best part? Most of these apps are free or very affordable, so you’ve got nothing to lose — and your financial future to gain. 💸
Over to you:
Which app are you currently using or planning to try first? Let us know in the comments or tag @DEVNESTFinance on social — we’d love to hear what’s working for you!
