118M8 - Financial Fitness

118 118 Money

About this app

Your money, your choices - with more clarity than ever.

118M8 is the spending app from 118 118 Money, built to help you make smarter decisions in the moment - not judge you after the fact. No budgets. No guilt. No spreadsheets.

Whether you're about to tap your card for something unplanned, trying to understand where your money really goes, or just want to feel more in control - 118M8 gives you simple, practical tools for real life.

118M8 is free to download and open to everyone - you don't need to be a 118 118 Money customer to use it. Just download, connect your accounts, and start seeing where your money really goes.

SPOT IT. CLOCK IT. CHOOSE IT.

SPOT IT - connect your bank accounts and cards with Open Banking to see all your spending in one place, across brands, categories and time. Finally understand where your money really goes.

CLOCK IT - turn any price into hours worked with the Wait Game. Suddenly that impulse buy looks very different.

CHOOSE IT - pause before unplanned spending with the Number Generator and Sleep on It. Small moments, better decisions.

FREE - start straight away, no card needed
Wait Game - see what anything costs in your actual time
Number Generator - a low-pressure pause before unplanned spending
Sleep on It - give yourself space before a big decision
Spending insights for 118 118 Money credit card customers
Available to download for free by anyone in the UK - no 118 118 Money account needed

PREMIUM - see the complete picture
Connect your accounts with secure Open Banking and unlock the full picture of your money:
All your accounts and cards in one place
Spending tracked by brand, category and time
See how your habits are changing month by month
Understand where your money really goes
118M8 is open to everyone. Just download, connect all your UK accounts, and see the complete picture


TRY PREMIUM FREE FOR 30 DAYS
Sign up now – no credit card needed.
Start a 30-day free trial and see the complete picture of where your money goes before paying a penny. After that, just £1.99/month. Cancel any time.
- All your accounts and cards in one place with Open Banking
- Spending tracked by brand, category and time
- Month-to-date, year-to-date and year-on-year comparisons
- Spending breakdowns by merchant, category and frequency
- Interactive money tools to reflect on your habits

NOT A 118 118 MONEY CUSTOMER? No problem. 118M8 is for everyone.

ALREADY A 118 118 MONEY CUSTOMER? YOU COULD GET UP TO 7 MONTHS FREE
Start your 30-day free trial - connect the account where your main income lands and unlock an extra 6 months of Premium, completely free. That's over half a year to see the complete picture of your money before paying a penny.
After that, just £1.99/month. Cancel any time.

WHY 118M8?
- Open to everyone - no 118 118 Money account needed to download or use the app.
- From 118 118 Money - a name you already know
- Built specifically for the UK
- Secure Open Banking connections via an FCA regulated provider
- Designed for real spending decisions, not perfect budgeting
- No judgement. Ever.

What's new

- Introducing 118M8 Premium with a free trial.
- Connect your bank accounts securely with Open Banking.
- Unlock advanced spending analysis and personalised insights.
- Improved spending categories and transaction classification.
- Performance improvements and bug fixes to enhance your experience.