Claro Money - The UK's first financial coaching app

Total control of your money in one app.

When investing, your capital is at risk.

Speak to a financial coach

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

See your spending & budget better

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

Set and track your goals

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 do on Claro?

See where your money’s going

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

Speak to a UK financial coach

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.

Learn about finance with free 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.

Don’t just take it from us

Read all our reviews on Smart Money People

“10/10. Brilliant app, very easy to use and offers a range of easy-to-understand financial guides and investment products. That said, the standout point for me is the availability of a free financial consultation session.“

User review, Smart Money People

“Fabulous, engaging, and well worth the time if you need and want to fulfil your long term financial goals.”

User review, Smart Money People

“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

“My session with Sarah gave me the tools and confidence I need to smash my goals. Forever grateful!”

User review, Smart Money People

“Great little app! Very clear and easy to use. Linked bank accounts for a holistic overview. I had a great coaching session with Mike.“

User review, Smart Money People

“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!!”

User review, Smart Money People

What is a Financial Coach?

A Financial Coach’s aim is to inform and empower you to make smart financial decisions.

Your coach will work with you to define your financial goals, give you relevant education and information for your circumstances, and explain your options clearly.

By the end of a coaching session, you’ll feel confident in your own money management skills, and ready to take the next steps on your financial journey.

Financial Coaches are just like a coach or trainers in other areas of your life. They can’t do the work for you, but they can guide you.

Find your UK Financial Coach with Claro today.

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.

Does Klarna affect your credit score?

24 May 2022 Money management

Klarna has confirmed it will start sharing customer information with credit agencies from 1 June 2022. Could using Klarna affect your credit score?

Interest rates on student loans rising to up to 12% – what does this mean?

12 May 2022 Articles, Money management

The Government has announced that student loans taken out since 2012 in England and Wales will be charged up to a 12% interest rate from …

How to split household bills fairly for couples on different salaries

12 May 2022 Articles, Money management

Among the most common things couples usually argue about are chores, communication, in-laws, whose turn it is to wash the stinky dog and where to …

Fighting against climate change: how we’ve protected one million trees thanks to you

25 January 2022 Articles

At the start of 2021, we set a target of protecting one million rainforest trees by the end of the year. We’re incredibly proud and …

Inflation has risen to above 5%: how does it affect you?

13 January 2022 Money talk

In December it was announced that the UK’s inflation rate was 5.4%, its highest level in a decade. This came as a surprise to the …

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 …

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.

Contact us

Have ideas, questions or just want to say hello? Get in touch with us below.

Meet your new digital Financial Coach

Total control of your money in one app.

Speak to a financial coach

See your spending & budget better

Set and track your goals

Save, invest and protect your money

What can you do on Claro?

See where your money’s going

Speak to a UK financial coach

Earn 2% on your cash

Open a Claro ISA and invest from £10

Learn about finance with free content

Don’t just take it from us

What is a Financial Coach?

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.

Does Klarna affect your credit score?

Interest rates on student loans rising to up to 12% – what does this mean?

How to split household bills fairly for couples on different salaries

Fighting against climate change: how we’ve protected one million trees thanks to you

Inflation has risen to above 5%: how does it affect you?

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

Claro’s frequently asked questions

Download on iOS Now

Contact us