Oinkly vs Snoop
Oinkly vs Snoop compared fairly for UK users. Savings and net-worth tracking without bank logins versus free budgeting and bill-saving nudges. Honest pros and cons.
Oinkly and Snoop serve different needs: Oinkly is a paid savings and net-worth tracker that brings accounts, ISAs, pensions and property into one figure without bank logins, while Snoop is a free, open-banking budgeting app focused on everyday spending and saving money on bills.
At a glance
| Feature | Oinkly | Snoop |
|---|---|---|
| Main focus | Savings and net worth | Budgeting and bill saving |
| Net-worth figure | Core feature | Not the main focus |
| ISAs, pensions, property, Premium Bonds | Included in one total | Coverage varies |
| Works without bank logins | Yes, add balances manually | Open-banking led |
| Bill-saving nudges | Not a focus | Yes, a key feature |
| FSCS limit alerts | Yes | Not a stated focus |
| Pricing | From £2.99/mo, 7-day trial | Free |
Based on publicly available information as of July 2026. Check each provider for the latest.
What each app is for
Snoop is a free UK budgeting and bill-saving app, owned by Vanquis Banking Group. It is open-banking led and spending-focused, and it is known for helpful nudges that spot better deals, flag rising bills and highlight where your money goes. It is not closing, despite occasional rumours to the contrary. If your aim is to trim everyday costs at no charge, Snoop does that job well.
Oinkly is a UK-built savings and net-worth tracker. Its purpose is to bring every account, ISA, pension, Premium Bond, property and asset into one net-worth figure you can follow over time, and to keep your savings inside FSCS protection limits.
Free versus paid
Snoop is free, which is a genuine strength if budgeting and bill saving are all you need. Oinkly is a paid app, starting at £2.99 a month with a 7-day free trial. You are paying for a different job: a dedicated savings and net-worth view, FSCS-limit monitoring and the ability to track assets manually. Whether that is worth it depends on how much you save and how many accounts you are juggling. See pricing for the plans.
Bank logins and coverage
Snoop connects through open banking to read your transactions, which is what powers its spending insights. Oinkly works without bank logins; you add balances manually. That means Oinkly never sees your credentials and can include things open banking cannot easily reach, such as Premium Bonds, a pension estimate or a property value. It also means Oinkly does not analyse individual transactions, because that is not its job.
On savings safety, Oinkly monitors the £120,000 per-licence FSCS limit and flags shared banking licences as you approach £120,000. Try the FSCS limit checker.
Which should you choose
Choose Snoop if you want free everyday budgeting and money-saving nudges. Choose Oinkly if you want savings and net-worth tracking, FSCS safety and a single figure across everything you own. The two do not really overlap, so using both is perfectly reasonable: Snoop to trim your outgoings, Oinkly to watch your wealth build.
Frequently asked questions
Is Oinkly better than Snoop?
They do different jobs, so neither is better overall. Snoop is a free budgeting and bill-saving app, while Oinkly is a paid savings and net-worth tracker. Pick the one that matches your goal.
Is Snoop closing down?
No. Based on publicly available information, Snoop is not closing. It is a free UK budgeting app owned by Vanquis Banking Group. Check the provider directly for the latest.
Does Oinkly need my bank login like Snoop?
No. Snoop is open-banking led and connects to read transactions. Oinkly works without bank logins; you add balances manually, keeping credentials private and covering assets open banking cannot reach.
Can Snoop track my net worth?
Net worth is not Snoop's main focus; it centres on spending and bill saving. Oinkly makes net worth the core feature, including ISAs, pensions, Premium Bonds and property in one total.
Why pay for Oinkly when Snoop is free?
You are paying for a different job: dedicated savings and net-worth tracking, FSCS-limit alerts and manual asset tracking. If you mainly want free bill-saving nudges, Snoop may be all you need. See our pricing page.
Can I use both apps together?
Yes. Snoop can help cut your everyday costs while Oinkly tracks your savings and overall net worth. They complement each other well.