Claro Money - The UK's first financial coaching app

Start making smarter money decisions with a digital financial coach

Speak to a Financial Coach

A 1:1 session with an expert Financial Coach to discuss your goals and plan for the future.

Understand your finances

Connect your bank accounts via Open Banking to get a clear view of your spending.

Co-create your plan

Claro helps you structure your finances so you can achieve your goals.

Save, invest and protect your money

Choose from a range of financial investments and other products based on your goals and values.

What can Claro give you?

When investing, your capital is at risk.

Take control of your spending

See your spending and income from all your bank accounts in one place

Understand where your money is being spent so you can budget better

Customise your categories to suit your lifestyle

Get 1:1 financial coaching

Speak to a real person about your finances and goals

Our coaches will work with you to create a plan to make your goals a reality

We’ll help you at any financial stage

Learn more

Earn 2% on your cash

Grow your money with the market’s leading rate* on your cash

2% bonus available up to £3000

Cash pots are covered by the FSCS, and saved in a NatWest account

*Find out why it’s market-leading

Open a Claro ISA and invest from £10

Get started quickly & easily with a Claro Stocks & Shares ISA or GIA

Choose from our 9 portfolios, hand-picked by our investment experts

Each portfolio comes in 3 risk levels so you can start investing at a risk level that’s right for you

No platform fees up to £2,500 (portfolio fees and market spread still apply)

Learn more

When investing, your capital is at risk.

Free educational content

Exclusive tips and guides to help you reach your goals

New content every week

Read guides to buying your first home, budgeting and many more

When investing, your capital is at risk.

As seen in

Coaching testimonials

“Just one session with Stacey changed my perspective.”

Suzanne, coaching client

“Stacey’s ability to distil an intimidating topic into something straightforward and approachable is a testament to her wealth of knowledge and expertise in this space.”

Skye, coaching client

“I feel more in control, and confident because I am developing money goals and working towards them (which is very new for me!)”

Holly, coaching client

“Stacey kept me on the right track to make the changes I knew I wanted to make but didn’t know how to start. She was brilliant at explaining things, including how pensions work.”

Natasha, coaching client

“Informative and supportive. I gained information I otherwise wouldn’t have had access to. Rachel was really nice too.”

Anon, coaching client

“I think it is useful to have a sounding board and a neutral perspective to check perspectives of money against. Thanks so much for the time and energy.”

Jamie, coaching client

“I feel more knowledgeable around the areas I considered blindspots before – investing, retirement, where I should put my money, creating motivating money goals, etc. Stacey, you are an absolute legend!!”

Anon, coaching client

Our mission to protect one million trees

We are setting ourselves a target to protect one million trees by the end of 2021.

Every time someone downloads our app, we’ll protect 25 trees in the Amazon.

Will you join us to make an impact?

Save 25 trees

We save rainforest with One Tribe Global

Claro blog

Follow our blog for articles on budgeting, saving, investing and the latest news on our app.

Generation Z: The most inclusive, money-savvy and tech-enabled generation ever?

2 December 2021 Money talk

The differences between the generations is an interesting one; each with its own cultural and social touchpoints that are informed by the world they inherit …

Is the world running out of everything?

12 November 2021 Money talk

Unless you’ve been living under a rock for the past 18 months, you will have noticed that there seems to always be a shortage of …

Don’t be embarrassed to ask for help: How a UK Financial Coach could help you

1 November 2021 Financial Coaching

If you don’t have it all figured out when it comes to your money, that’s okay. But the good news is, it’s never too late …

How to avoid letting money secrets come between you and your partner

1 November 2021 Money talk

ew data reveals that 40% of us are keeping money-related secrets from our loved ones. But as with any kind of secret, if left to …

A beginner’s guide to investing in property

1 November 2021 Homebuying

Property is one of the most expensive things you can invest in, but it can also be very profitable. If you’re thinking about investing in …

3 types of financial protection insurance you need to know about

28 October 2021 Financial Planning

Find out which financial protection policy could be right for you and your family with our simple guide.

See all articles

Claro’s frequently asked questions

Or, see all our FAQs.

What is Claro?

Claro is a subscription-based app which aims to make financial coaching accessible to everyone. Launching in early 2021, we’re aiming to empower you to make smarter financial decisions – from setting goals to saving and investing.

Claro provides an impartial and safe space for the conversations about money you might not be comfortable having with family or friends.

How does Claro work?

Claro is a subscription-based app which aims to make financial coaching accessible to everyone. It’s built around the four pillars of learning, planning, saving & investing, and community. It’s all underpinned by a belief in responsible money management.

Using open banking, Claro allows you to connect all your accounts in one place and see your spending in one view. Using our advanced technology, Claro allows you to see exactly how and where your money is being spent and helps you effectively budget and manage your money.

Alongside the technology, Claro also gives you the option to talk to real human beings – our highly experienced and certified financial coaches.

Coaches give you access to the latest information and best practise whilst also supporting you to establish healthy financial habits around money and build a plan that is tailored to your unique situation and goals.

If you want to make an impact with their money, Claro allows you to align your personal beliefs and values to saving and investment products. For some this might be an environmentally friendly savings account, for others it might be a clean energy investment. Claro’s market-leading ESG data is easily accessible within the app so you always have the choice of where to save and invest your money and what companies you want to support and those you want to avoid.

The choice is always yours to make.

Why is Claro different from other financial apps?

Claro is the first financial planning app that provides an end-to-end journey, helping you to learn, plan, save and invest your money ethically.

We combine human expertise (our financial coaches) with the latest technology to help you plan your finances, grow your money, and stay on track. A lot of existing financial apps only focus on the end stages of the journey – the actual saving and investing. Claro believes the value comes before this, in the planning stage, so it supports you to build an achievable financial plan, as well as giving you access to saving and investment products. We don’t know of any other financial app currently offering this complete journey.

There are a lot of financial apps that are making the world of finance more accessible, but they don’t usually help people understand how to get smarter with their money. Relying on a strong brand image and trust of a ‘robot-algorithm’, these platforms take the ‘do-it-for-me’ approach.

At Claro, we empower you to develop a smart money mindset to reach your goals, and support you with a ‘do-it-with-me’ approach – always there when you need us.

Claro also gives savers and investors the chance to support companies they care about who are making a positive impact on the world, across both the environment and society.

Our platform allows users to learn, plan, save and invest their money ethically.

Who is Claro for?

Claro is for anyone who is looking to make smarter financial decisions or achieve a financial goal. This could be starting a savings pot or an emergency fund, saving for a house deposit, starting a family, or generally feeling more in control of their spending.

Why would I use Claro over a financial advisor?

Unlike financial advisors, Claro provides coaching – not advice.

We focus on supporting you so that you can make empowered decisions about what is best for you financially, whilst also giving you the latest tools and technology to do so.

Financial advisors can often be expensive and typically only want to speak to people who have large sums of money to invest. Within the financial advice industry, advisors typically make their money from a management fee known as Assets Under Management (AUM). This means that in general it is only profitable for financial advisors to work with people with upwards of £100,000 to invest for longer than 5 years.

At Claro, we speak to everyone, regardless of your situation – whether you want to start a simple savings pot, an emergency fund, buy your first house or travel the world. Claro gives you access to the latest saving and investment technology and expertise, regardless of the amount of money you have to save or invest.

Claro helps people make smarter decisions about finances while being accessible for everyone – not just the rich.

I have never invested money before, why should I choose Claro?

Claro is not an investment platform. Claro is a financial planning and coaching app that allows you to set your own goals while learning and building your own personalised financial plan.

As part of your complete financial journey, Claro also gives you access to financial products such as saving accounts, ISAs and General Investment Accounts.

Investing is widely misunderstood, and people are often mis-sold the dream of making quick or easy money by existing investing and trading platforms. This encourages people to take excessive uninformed risk. It also often leads to unexpected losses, frustration and distrust of the investment world.

Claro is specifically tailored to support and coach you into making smart money decisions, and understanding which financial products are right for you and your goals.

Cookie	Duration	Description
cookielawinfo-checkbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.

Meet your new digital Financial Coach

Start making smarter money decisions with a digital financial coach

Speak to a Financial Coach

Understand your finances

Co-create your plan

Save, invest and protect your money

What can Claro give you?

Take control of your spending

Get 1:1 financial coaching

Earn 2% on your cash

Open a Claro ISA and invest from £10

Free educational content

As seen in

Coaching testimonials

Our mission to protect one million trees

Claro blog

Follow our blog for articles on budgeting, saving, investing and the latest news on our app.

Generation Z: The most inclusive, money-savvy and tech-enabled generation ever?

Is the world running out of everything?

Don’t be embarrassed to ask for help: How a UK Financial Coach could help you

How to avoid letting money secrets come between you and your partner

A beginner’s guide to investing in property

3 types of financial protection insurance you need to know about

Claro’s frequently asked questions

Download on iOS Now

Contact us