Quirk Money review
It's a budgeting app that puts your financial personality type front and centre.

Quirk Money is a budgeting app that helps users understand their money habits through a science-based personality test. Looking to stand out from other budgeting apps on the market, Quirk promises tailored spending plans and guidance based on which financial personality type you are.
Quirk Money is a budgeting app designed to help you manage your money. It puts all your current accounts, savings accounts and credit cards in one place, so you can easily see where your money is going. However, unlike other budgeting apps, Quirk looks to give you insights and tips based on your “money personality”.
Quirk aggregates all your bank accounts and credit cards in one app. Here are the other features it offers:
Quirk is for anyone who wants to have more visibility on their finances and who is keen to educate themselves about money. It is more suited to someone who is happy to manage their finances on their phone, as it is purely app-based.
One of Quirk’s unique offerings is its personality test. When you sign up, you will be asked to answer a series of questions about your attitude to money. You will then receive your “Money Personality” type: Explorer, Artist, Blissful and Optimiser. The idea is that from this, you will be able to create a spending plan that suits your spending habits.
Other than the typical budgeting tools, the Quirk app will also see how much you are spending on your bills and suggest switches to a cheaper deal.
You might feel unsure about providing a third-party app with all your banking credentials. But Quirk is read-only, so it can’t touch your money. It has bank-level security in end-to-end-256-bit TLS encryption. It also uses Plaid Financial Ltd. Plaid links your UK bank account and provides you with regulated account information through Quirk as its agent.
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Quirk is a slick service that offers everything you would expect from a budgeting app. It’s easy to sign up to and navigate once you have created your account. There are some interesting features in the form of switching suggestions and the ability to view your whole net worth. However, its unique selling point – its personality test – is more of just an interesting quirk (pun intended). Beyond giving you some insight into your money habits, it doesn’t translate to any actionable guidance or tailored features yet.
To get started, visit Quirk’s website and download the app. If you have read this review and the app is not for you, you can also discover more budgeting apps.
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