Spend Smarter. Build your Financial Fitness.
118M8 is the spending app from 118 118 Money. Get the complete picture. See exactly where your money goes. Build stronger habits that get you financially fit.
FREE to download and use
Available for everyone
Build your Financial Fitness
Four simple tools that work together to help you make better spending decisions without judgment.
Spot It
See all your spending in one place.
Connect your accounts with Open Banking and see where your money really goes.
Clock It
Turn any price into hours worked.
The Wait Game shows you the real cost of a purchase before you tap your card.
Choose It
Pause before unplanned spending.
The Number Generator creates space between impulse and action.
Sleep on it
Sleep on it for 24 hours
Set a 24-hour reminder to create space between impulse and action. Most people feel different the next day.
From 118 118 Money
a name you already know
- Available to download for free by everyone in the UK - no 118 118 Money account needed
- Secure Open Banking connections via an FCA-regulated provider
- Built specifically for the UK
- No budgets. No judgement. Just good habits.
Some features shown are currently being rolled out to a limited number of users and will be available more widely soon.
Beta updatesNEW: The complete picture of your spend - now included in 118M8 Premium
118M8 brings together all your accounts and cards in one place. With Open Banking connections, you can see all your spending tracked by brand, category and time - across every linked account, not just your 118 118 Money card.
- All your accounts and cards in one place
- Spending tracked by brand, category and time
- Month-to-date, year-to-date and year-on-year comparisons
- Understand where your money really goes
Start free. See more with Premium.
118M8 is free to download and free to use from day one - no credit card required. 118M8 is open to everyone.
Upgrade to Premium to unlock the complete picture of your money with Open Banking connections. Premium is just £1.99/month. Try it free for 30 days.
Already a 118 118 Money customer? During your free trial, connect the account where your main income lands and unlock an extra 6 months of Premium completely free. That's up to 7 months free before you pay a penny.
Financial Fitness isn't about being perfect with money.
It's about making steady progress - one small step at a time. 118M8 is designed for real life: for the moments when you're short at the end of the month, when you see something and want to buy it straight away, or when payday comes around and you want this month to feel different.
With 118M8, you're not starting over. You're moving up.
Ready to get financially fit?
Download 118M8 free today. Sign up now - no credit card needed.
No budgets. No judgement. Just good habits.
Spot it
See where your money really goes
The Money section gives you a clear overview of your spending patterns:
- ✓ This month vs last month balance and spend
- ✓ Total spend over time (weekly, monthly, yearly)
- ✓ Top spend categories and merchants by value
- ✓ Top merchants by visit frequency
- ✓ Changes vs previous period to spot what's moved
The complete picture of your spending - across every account
You may feel like your money disappears without explanation. 118M8 makes the invisible visible - turning your spending into something clear, visual, and easy to act on.
With Open Banking in Premium, 118M8 connects all your current accounts, savings accounts and credit cards in one place. The result: the complete picture of all your money - not just one slice of it.
118M8 is open to everyone. Just download, connect all your UK accounts, and see the complete picture
What you get with 118M8:
Open Banking Dashboard (Premium)
See all your accounts and cards in one place. Spending tracked across every linked account, by brand, category and time.
Spend Breakdown
Instantly see your top spend categories and merchants. Understand what's taking the biggest share of your money - and whether that's intentional.
Spend Calendar
See when your spending happens, not just how much. Understand patterns around weekends, payday, social events, and the end-of-month squeeze.
Top Spend Spots
Find the categories and brands quietly eating your budget, including how frequently you return to the same merchants. Often it's not one big purchase - it's the repeated habit you barely notice.
Spend Trends
Track how your spending habits change month to month, and year on year. Progress, not perfection.
Spend Doughnut
A simple visual summary that shows the shape of your spending at a glance. See what's taking the biggest slice - and what you'd change.
For 118 118 Money credit card customers
On the free tier, 118M8 gives you spending insights directly from your 118 118 Money credit card. Upgrade to Premium to see the complete picture across all your accounts.
Clock It - See the Real Price
Turn any price into hours worked
Prices can feel abstract. £85 is just a number - until you realise it's 5 hours of your working life. Clock It makes the real cost of spending personal, tangible, and easier to judge.
Wait Game
Enter any price and your hourly rate, and 118M8 shows you what that item really costs - in hours worked. That impulse buy looks very different when it's measured in your time, not just your bank balance. It's not about saying no. It's about deciding properly.
Here Are the Numbers
Compare similar products not just by price, but by what you're actually getting for your hours worked. 118M8 helps you judge whether you're paying for quality, or just paying more.
Choose It - Pause Before You Pay
Space between impulse and action
Some spending decisions aren't really decisions - they're reactions. Number Generator gives you simple tools to interrupt the moment, cool the urgency, and check whether you actually want to spend.
Number Generator
A calm, low-pressure pause before unplanned spending. Not a lecture. Not a warning. Just a moment to breathe and decide: will you spend, or will you save?
Sleep on it
When something feels urgent, it usually isn't. Sleep on it gives you space to come back to a decision with a clearer head - and if it still makes sense tomorrow, fair enough.
You already know 118 118 Money
Now say hello to 118M8, your financial fitness mate that helps you spend your money on the things that really matter. It's about empowering yourself, not depriving yourself.
See what our customers love about 118 118 Money on Trustpilot.