Understanding Smart Pig

Smart Pig spots where your savings could earn more and where you're over the FSCS limit — and only ever suggests. It never moves your money.

Smart Pig is Oinkly's gentle nudge feature. It looks across the accounts you already track and points out where your money could be working harder — without ever touching it.

What Smart Pig does

Spots better homes for your cash. If money is sitting in a low-rate account while a better-paying one is available, Smart Pig shows the difference in plain pounds — "move £X for about £Y more a year".
Flags FSCS exposure. If you hold more than the protected limit at one banking licence, Smart Pig suggests how to spread it so it's all covered.
Respects your choices. You can tell it to leave your emergency fund untouched, to ignore small amounts, or to only consider easy-access money.

The golden rule

Smart Pig only ever suggests. It cannot and does not move, transfer or touch your money — every recommendation is yours to act on or ignore. When you decide to move money, you do it with your provider as usual, then update the balance in Oinkly.

Where you'll see it

Smart Pig suggestions appear in the Interest Deep Dive (as a ranked list of opportunities) and in the Protection Hub (as a plan to fix any FSCS exposure). Both spell out the benefit before you do anything.

Good to know

Because Oinkly relies on the balances and rates you enter, Smart Pig is only as good as your figures. Keeping rates up to date — especially when a bonus rate ends — makes its suggestions genuinely useful.