Choosing a winner among the apps here was difficult. The four ‘smart’ banking apps – Emma, HyperJar, Plum and Snoop – offer variations on the same features, while Banktivity and MoneyWiz give you something very different. Plum supports significantly fewer banks than the others and so we felt we couldn’t make it a winner. HyperJar is a great idea and for some people will work very well. Snoop has some good analysis features, but we found the way it urged us to upgrade or cut bills by switching provider to be a little annoying. Banktivity has a long history on the Mac (thanks to its predecessor iBank), and has iPhone and iPad apps. But we found the set-up process laborious, while its interface is not as friendly as the others here. That left Emma and MoneyWiz. While Emma was our favourite among the new breed of smart banking apps, at £14.99/month for Ultimate, it’s pricey. MoneyWiz is a deserving winner. It has Mac, iPhone and iPad apps, had no trouble connecting to our bank and enables us to analyse our finances in a huge variety of ways.