r/UKPersonalFinance is a subreddit with 1.9M members. The most common kinds of discussions are advice requests and money talk, and the community frequently discusses struggling, debt, mortgage, savings, and credit card, and they frequently recommend/review budgeting app, currency exchange, and budgeting software.
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
Popular Themes in r/UKPersonalFinance
#1
Advice Requests
: "Pension - Fidelity vs L&G Master Trust"
17 posts
#2
Money Talk
: "After maxing out ISA where should I put my money?"
5 posts
#3
Solution Requests
: "Are there any Apps similar to Monarch that I can use to manage my personal finances?"
3 posts
Popular Topics in r/UKPersonalFinance
#1
Struggling
51 posts
#2
Debt
10 posts
#3
Mortgage
: "Porting Mortgage any chance of fees?"
6 posts
#4
Savings
5 posts
#5
Credit Card
: "UK Credit Card Application Process"
5 posts
#6
Property
5 posts
#7
Loan
: "I need to borrow around £20,000 which I can pay back within the next year or two. Should I get a Loan and if so, should I get it now?"
5 posts
#8
Credit
: "UK Credit Card Application Process"
5 posts
#9
Student
4 posts
#10
Budgeting
: "How to create a Budgeting spreadsheet?"
4 posts
Products Discussed in r/UKPersonalFinance
Budgeting App
30 reviews
#1
YNAB
4.7★ from 6 reviews
#2
Moneyhub
4.4★ from 5 reviews
#3
Actual Budget
4.0★ from 3 reviews
Currency Exchange
30 reviews
#1
Wise
4.8★ from 6 reviews
#2
Starling
5.0★ from 3 reviews
#3
Interactive Brokers
4.3★ from 3 reviews
Budgeting Software
26 reviews
#1
YNAB
4.8★ from 4 reviews
#2
Yolt
4.0★ from 3 reviews
#3
Monzo
4.0★ from 2 reviews
Flair Used in r/UKPersonalFinance
#1
R5 - unanswerable, yes/no, DAE
: "How are you all coping emotionally with financial uncertainty?"
1 post
#2
Removed - R2
: "It’s hard to spend money on things."
1 post
#3
Removed
: "How to utilise my salary and decent credit like an adult- any help for a long time lurker?"
1 post
Member Growth in r/UKPersonalFinance
Yearly
+97k members(5.5%)
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About
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Last updated: October 2, 2026