Every UK account in one place
Most UK savers end up with money spread across a handful of banks — a couple of easy-access accounts, a cash ISA, a fixed-rate bond that matures at some point, maybe Premium Bonds and an old workplace pension. Oinkly is where you write all of that down once and keep it current.
What you can record
Each account is stored with its provider, account type, balance, interest rate, and — where it applies — the fixed term and maturity date. Because Oinkly knows the provider, it also knows which banking licence the account sits under, which is what drives FSCS protection and rate alerts elsewhere in the app.
You update balances when it suits you. Oinkly does not connect to your bank through open banking, so nothing moves and no credentials are shared. Every figure is one you entered or imported yourself, which also means you can track things open banking never sees, such as Premium Bonds, a workplace pension or a loan from a family member.
- Easy-access, notice and fixed-rate savings accounts, plus current accounts
- Cash ISAs, stocks and shares ISAs, Lifetime ISAs and Junior ISAs
- Premium Bonds and other NS&I products
- Pensions, general investment accounts and other assets
- Mortgages, loans, credit cards and other liabilities
What Oinkly does with it
Once accounts are in, the rest of the app works from them: net worth is the sum of what you own minus what you owe, FSCS cover is grouped by banking licence rather than by brand, ISA subscriptions are counted against the current tax-year allowance, and maturity dates turn into calendar reminders so a fixed bond does not quietly roll onto a poor follow-on rate.
Balance history is kept as you go, so you can see how each account — and the total — has moved over months and years rather than just today's snapshot.
Frequently asked questions
Does Oinkly connect to my bank?
No. Oinkly does not use open banking and never asks for your banking login. You add balances manually or import a statement, which keeps your bank credentials out of the picture entirely.
Can I track joint accounts?
Yes. Mark an account as joint and Oinkly reflects that in FSCS calculations, where the protected limit for a joint account is applied per eligible depositor rather than per account.
How often do I need to update balances?
There is no requirement. Many people update monthly or after a pay day, and Oinkly can project interest between updates so the figures stay roughly right in between.
Related
- Rate Monitoring — Keep track of the rate on every UK savings account you hold, spot bonus rates expiring and fixed bonds maturing, and get alerted before a cut costs you interest.
- Portfolio Analytics — See how your UK savings are split across providers, tax wrappers and account types, with interest projections, net-worth history and reports you can export.
- FSCS protection monitoring
- Help: how to add an account
- All Oinkly features
- Try the net worth calculator
- Back to Oinkly