See your spending. Spot the pattern. Take control.
118M8 is the premium financial fitness app from 118 118 Money. Upgrade to securely connect bank accounts and credit cards, recognise merchants, track transactions, and make sharper spending decisions every day.
Paid Unlock
Bring more spending into one place with secure account linking.
Merchant Recognition
Know where your money is actually going, not just where it landed.
Pause Before You Spend
Use money games and prompts to stop drifting into impulse buys.
Built For Both Paths
A better welcome for customers and a stronger reset for everyone else.
Free
118 118 Money customers can view 118 118 Money card purchases. Non-customers can access the games.
Paid
Connect eligible accounts and credit cards, pull in more transactions, and get the fuller view that helps you act with more control.
Every feature is there to help you notice, understand, decide, and improve.
The site is not selling a generic budgeting app. It is selling a practical financial fitness system that turns transactions into awareness and awareness into better choices.
See It
Track spending across real activity
Paid users can securely connect eligible bank accounts and credit cards through Open Banking protections to pull in more transactions and get a more complete picture.
Understand It
Recognise merchants and spot patterns faster
Merchant recognition and spending insights make it easier to understand what each purchase means, which merchants are driving your spend, and where habits are building.
Control It
Pause before the purchase goes through
118M8 includes decision tools that slow the moment down so you can think about the cost, your habits, and whether the spend still makes sense.
Practice It
Use money games that reinforce better habits
The games are not there for novelty. They give you a low-pressure way to practise better decisions and stay engaged with your financial fitness over time.
Connect with confidence. Keep control of what you share.
Open Banking is the unlock, but trust has to be visible. 118M8 uses Open Banking protections and carries the reassurance of ISO 27001 certification so people can connect eligible accounts with clarity and confidence.
Flow
Transaction Tracking
Merchant View
A small monthly step to get a fuller view of your money.
The product is still easy to enter, but the serious version is clear. Free gives you a taste. Paid gives you visibility, recognition, patterns, and more control.
118 118 Money Customers
Best value if you already have a relationship with 118 118 Money and want to unlock Open Banking powered visibility across more spending.
Non-Customers
A low-cost way to start improving your financial fitness if you want better awareness before your next money decision or future credit application.
Free Access
118 118 Money customers can see their 118 118 Money card purchases. Non-customers can use the money games only.
Financial fitness should feel challenging, clear, and achievable.
118M8 is especially useful for people who want to improve financial fitness after being declined for credit. It does not promise outcomes. It helps you build the awareness and habits that come before them.
Why It Works
- You can see more of what is happening, not just what you remember.
- You can identify merchants and repeat spending more quickly.
- You can pause, reflect, and make a deliberate choice before spending.
- You can build financial fitness over time through repetition, not guilt.
Ready To Start
Download 118M8 and upgrade inside the app when you are ready to see more and control more.
If you are a 118 118 Money customer, your paid access starts at £0.99 per month. If not, it is £2.99 per month. Either way, the goal is the same: improve your financial fitness with better visibility and better decisions.
Step 1
Download the app
Step 2
Choose free or upgrade
Step 3
Build better money habits
