Claro Money - The UK's first financial coaching app

Start making smarter money decisions

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 you achieve with Claro?

When investing, your capital is at risk.

Take control of your spending

Get super accurate spending analysis

Easily track your spending

Link unlimited bank accounts

Feel confident with money

Get one-to-one, expert financial coaching

Set unlimited smart goals

Get access to all our in-app content including live Q&As and webinars

Learn more

Get a 2% cash bonus

Access our exclusive 2% cash boost

Earn 2% on your cash up to £3,000

Invest with purpose

Invest towards your personal financial goals, at the risk level that suits you

Start from just £10, with easy access to your money when you need it

See the impact of your investments with Claro’s unique Impact Score

Learn more

When investing, your capital is at risk.

Join Claro first and get one years’ free subscription

One year of free subscription

Try our new products first

When investing, your capital is at risk.

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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 signs up to our waiting list, we’ll protect 25 trees in the Amazon.

Will you join us to make an impact?

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.

The new health and social care tax: is it fair?

12 October 2021 Blog

Guest post by Shaq Magee, Co-Founder of Millennial Money UK On September 7th, Prime Minister Boris Johnson reinforced the age-old idiom that “nothing in life …

How to start again financially after a break-up

20 September 2021 Financial Planning

While money probably isn’t the first thing on your mind, it’s important to learn how to start again financially after a break-up.

What is the true cost of working from home?

15 September 2021 Money talk

It’s been a little over 18 months since the pandemic completely upended life around the world. For office-based businesses across all sectors, the coronavirus outbreak …

Why we’re offering you a 2% bonus on your cash

13 September 2021 Saving

If you haven’t heard of Claro, we’re a digital financial coach. And we’re so excited to be launching our 2% bonus cash campaign this week.

How to save money: how much should I save each month?

13 September 2021 Saving

Knowing how to save money can give you peace of mind when unexpected circumstances arise. It can also bring you long-term security and help you …

9 steps to buying your first home in the UK

10 September 2021 Saving

Follow the steps in this guide to buying your first home in the UK to make getting on the property ladder quicker and easier.

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.

Meet your new digital Financial Coach

Start making smarter money decisions

Speak to a Financial Coach

Understand your finances

Co-create your plan

Save, invest and protect your money

What can you achieve with Claro?

Take control of your spending

Feel confident with money

Get a 2% cash bonus

Invest with purpose

Join Claro first and get one years’ free subscription

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.

The new health and social care tax: is it fair?

How to start again financially after a break-up

What is the true cost of working from home?

Why we’re offering you a 2% bonus on your cash

How to save money: how much should I save each month?

9 steps to buying your first home in the UK

Claro’s frequently asked questions

Download on iOS Now

Contact us