The best deals are never in one place. Your picture can be.
Bearing is an iPhone app that keeps your whole net worth in one figure. Screenshot a banking app and it reads the balances on your phone; type in what it cannot see. Once a month it tells you what your money is doing, and where the cash could be doing better.
No sign-up · No bank connection · Free
£159,320
+28,480 in 12 months · +21.8%
4.58% becomes 3.51% on 12 Sep 2026. On this balance that is about £91 a year.
Before you move it: check your own notice period and any withdrawal penalty. If it is in an ISA, transfer it rather than taking it out.
Where to move itHome. One figure, twelve months, and the single thing worth acting on. When there is nothing to act on, no colour appears at all.
UK Open Banking cannot see most of what you own.
It reaches a current account and a credit card. It does not reach a pension, an investment platform, or most savings accounts — those sit behind Open Finance, which is still being phased in. That is why the numbers come from you rather than from a bank feed, and why reading them off a screenshot is the fast route rather than the fallback.
£375,000
Across eight holdings
£2,140
0.6% of the asset side — the current account
A fairly ordinary UK picture: a current account, an instant-access saver, a cash ISA, a stocks and shares ISA, a workplace pension, some government savings, a flat and a mortgage. Each sits in its own app or statement, and no single screen adds them up. Bearing is that one screen.
- Property£310,000 · 83%
- Pension£23,800 · 6%
- Investments£14,320 · 4%
- Cash ISA£11,500 · 3%
- Other cash£15,380 · 4%
Automating the £2,140 is not the job. Seeing the £375,000 is.
Three things, and it stops there.
Three accounts found.
On your phone · Nothing uploadedApple's Vision framework · works offline
4 of 9
Captured this month
Next snapshot due in a month · We'll remind you
When there is nothing to say, it says nothing. No streaks, no badges, no daily nudge. A bonus rate ending or an unused allowance is worth an interruption. A Tuesday is not.
The explainers are the part you can read today.
Eight short answers on the bits nobody sets out properly — the Personal Savings Allowance, what FSCS actually covers, and what changes in 2027. The answer sits under the question, so you can stop reading once you have it.
Free, and here is why that is credible.
No commission, no referral fees, no data sold, nothing to unlock. Nobody pays to be written about, which is what makes the writing worth reading.
It does not connect to your bank, move your money, or recommend an investment or a pension — the last of those needs a permission MPC Digital Ltd does not hold, and saying so is more useful than fudging it.
The app is not released yet.
The explainers are here now. The provider guide is written but not published yet. There is no waiting list and no email to leave — when there is something to download, this page will say so.