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    Money Manager

    The free, easy way to keep track of your money

    Stay on top of your personal current and credit card accounts with Money Manager, our free Internet Banking service.

    • Organise your spending into categories
    • Use easy to read graphs to see where your money goes
    • Set up Savings Goals and Spending Plans

    What is Money Manager?

    Track and manage your money with Money Manager.
    Our free online service automatically organises most of your spending into helpful categories such as “Groceries”, “Entertainment” and “Public transport”. It works across your Lloyds Bank personal current accounts, savings accounts and credit card account and uses easy-to-read graphs to give you a clear picture of where your money goes.

    Why use Money Manager?

    Spending Plans allow you to set monthly limits on your spending for categories of your choice – for example groceries or petrol. Creating a plan will allow you to see where your money goes and it will also help you manage your spending. We'll automatically categorise most of your spending for you, but you can always create your own categories.

    Features and benefits

    • Create a plan in Money Manager to help control your spending.
    • Set up a plan for any spending category. We'll still categorise most of your spending for you.
    • Manage your spending.
    • Track your progress.

    What are Savings Goals and Spending Plans?

    Money Manager is a free online tool that can help you save money towards your chosen goal and track your spending on regular outgoings to get a better picture of your spending and saving.

    Set up Savings Goals to help you save for a car, a holiday or life’s other small - and not so small pleasures. Manage your spending better and make regular saving easier by creating a spending plan.

    How can I get Money Manager?

    I use Internet Banking

    To start using Money Manager log on to Internet Banking and select one of the Money Manager links on the Your Accounts page. Then follow the instructions on screen and you’re ready to go.

    Log onto Internet Banking and get started with Money Manager.

    I have a personal Lloyds Bank account but don’t use Internet Banking

    Money Manager is another great reason to sign up for Internet Banking. With Internet Banking you can see and search your statements, check your balance, manage Direct Debits and standing orders, move money and pay bills – 24 hours a day, 7 days a week. It’s quick and easy to register.

    Register for Internet Banking

    I don't have a Lloyds Bank credit card or current account

    Internet Banking and Money Manager are only available to people who have a personal current account or credit card with Lloyds Bank.

    The terms and conditions for Money Manager can be found within our Internet Banking agreement.

    Our current accounts

    Compare current accounts

    Our credit cards

    Compare credit cards

    • Using the Dashboard

      When you start Money Manager the first thing you'll see is the Dashboard which shows you at a glance a summary of your spending, saving and future outgoings.

      Example of a Money Manager dashboard

      Money Manager Calendar view with movement of money in and out highlighted in different colours.

      The Spending Analysis shows all your monthly income and expenditure in more detail. You can plan for the future using Spending Plans and maybe save for something special with Savings Goals, both designed to help you keep a closer eye on your finances. The calendar will help you keep an eye on the bills leaving your account too. You can navigate and get more detail by clicking on the appropriate tab.

      Spending Analysis

      In the Spending Analysis tab a pie chart shows you in detail where most of your money goes each month.

      Below the pie chart you will see a total and an average of your incomings and outgoings.

      Best of all, you can personalise this section so that it displays exactly the information you need.

      Change the date range

      You will automatically see this month’s spending but you can change it to any month or to a whole year.

      See individual accounts

      Money Manager displays your accounts together by default, but you can see them one at a time or a combination of them by applying filters, either by time period or transaction type and clicking 'Apply'.

      Spending Plans

      Spending Plans allow you to set monthly limits on your spending for categories of your choice – for example groceries or petrol. Creating a plan will allow you to see where your money goes and it will also help you manage your spending.

      Features and benefits

      • Create a plan in Money Manager to help control your spending.
      • Set up a plan for any spending category. We'll still categorise most of your spending for you.
      • Manage your spending.
      • Track your progress.

      Transactions

      The Transactions tab lists all your expenditure so that you can analyse it in detail, categorise items which haven’t been automatically grouped and also recategorise expenditure already placed in a group.

      Sometimes you might want to split a transaction across more than one category – for example, if you buy food and clothes in a single supermarket shop.

      Also, you can change the categories that Money Manager uses to make them more personal.

      You can also filter your transactions by period of time and by account.

      Calendar

      The calendar view automatically shows your regular monthly incoming and outgoing payments, and you can choose the date when your calendar should start.

      You can also add reminders to your calendar. This does not authorise the payment – it just reminds you that you need to pay it. To make or amend the payment, set up the payment instruction separately by going to the Your Accounts overview page in Internet Banking.

      See how your Money Manager calendar might look (below):

      Money Manager calendar

      Savings Goals

      Set up your future savings goals, for example a deposit for a house or university fees. Use Savings Goals to help you save regularly towards a specific goal and you can check your progress to see how well you are doing.

      Features and benefits

      Start with your plan

      • Create and personalise your goals with just a few clicks.
      • Decide a goal amount, target date and monthly savings.
      • Make regular saving easier with a standing order for each goal.

      Track your progress

      • Monitor your progress towards your goals.
      • See detailed graphs of actual savings compared to plan.
      • Make top-ups and adjustments easily when you need to.

      Achieve your goals

      • Reap the rewards of regular saving.
      • Manage multiples goals within the same savings account.
      • Build on your success and set new goals to aim for!

      Now it can be simpler and easier to save with Savings Goals.

      Find out more information about our savings accounts.

      • 1.
        What is Money Manager?

        Money Manager is a free, easy-to-use service for customers registered for Internet Banking that introduces a great way of keeping track of your money across your Lloyds Bank personal current and credit card accounts.

        It automatically breaks down most of your spending into meaningful categories, such as entertainment, food and travel, using easy-to-read graphs that give you a fuller picture of where your money goes.

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      • 2.
        How much does Money Manager cost?

        Money Manager is free, and is available to all Lloyds Bank personal current and credit card account customers.

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      • 3.
        Which accounts are covered by Money Manager?

        Money Manager covers your personal Lloyds Bank current and credit card accounts. You can see all your accounts together or just choose to view the ones you’re interested in.

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      • 4.
        Can Money Manager cover joint accounts?

        Yes. You can choose to view joint accounts, or filter them out if you prefer.

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      • 5.
        How is my spending analysis categorised?

        When money goes into or out of your account, Money Manager tries to automatically put the transaction into a spending category.

        If you want to group a particular area of spending under a different category, you can create a new subcategory or give the existing one a new name. Then you can move the transactions to your new category names.

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      • 6.
        What are the Money Manager categories?

        The default Money Manager categories include home and garden, entertainment and leisure, clothing and grooming and groceries, among many others.

        Within these are lower-level categories for more detailed analysis. You can even create your own personal spending subcategories to suit you.

        Where possible, Money Manager automatically allocates your transactions to the right spending category.

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      • 7.
        How do I create my own categories?

        You can create your own specific categories, but they must be contained within an existing top-level category. Click on a category heading for a transaction item in 'Transactions', select the appropriate top-level category and choose the 'Other' specific category. You'll be prompted to enter a name for your new category. Any new categories you create will be available for you to use right away, but once you've created them they can't be deleted. They can't be seen by any other Money Manager users.

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      • 8.
        Can I change the categories for my transactions in Money Manager?

        Although we automatically categorise your spending for you, it's easy to create new lower level categories. Bear in mind though that once you've created a new lower level category, they can't be renamed or deleted.

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      • 9.
        Why should I set up Savings Goals?

        Savings Goals can help you put money aside for a special occasion or expensive purchase. With Savings Goals you can set up a standing order to save regularly for a specific goal, and track your progress as you go.

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      • 10.
        How can I set up standing orders for my goals?

        You can set up a standing order for any goal when you first create it within Money Manager, or later by using Edit Goals. Make sure you've got enough money in standing orders going into your savings account, to cover regular savings towards all your goals.

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      • 11.
        What happens to my goal once I have achieved it?

        You can archive the goal and the savings can be withdrawn. If you decide not to archive the goal and you have a standing order set up, the money will continue to fund your goal.

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      • 12.
        Can I move money between goals?

        Yes, as long as you have all your goals set up under one savings account.

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      • 13.
        How many Spending Plans can I create?

        You can create up to 10 Spending Plans.

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      • 14.
        How do I track the progress of my Spending Plan?

        On the dashboard we will keep you up to date with how you are doing on your spending plan. If you want more details you can track your progress in the spending plans tab, where you can see a list of the latest transactions related to your spending plan. We will also let you know if you’ve overspent on a spending plan, so you can adjust it, if required.

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      • 15.
        Why should I set up Spending Plans?

        Money Manager can help you track your spending on regular outgoings like shopping, entertainment, clothes - or any other spending category. You may find this helps you to manage where your money goes - and make regular saving easier.

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      • 16.
        How many goals can I create?

        You can create up to 10 goals.

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      • 17.
        Can I move a goal to another savings account?

        Yes, you can move a goal to another 'savings goal eligible' account and during the transfer, both the goal and the money associated to that goal will be transferred.

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      • 18.
        Why are some transactions not categorised?

        A transaction will appear as 'uncategorised' when we're unable to assign it to a pre-defined category. Cash Machine withdrawals and cheques for which we can't determine the recipient will also appear as 'uncategorised'. You can always allocate uncategorised items to improve your spending analysis. The more items you classify, the better the tool will work to help you analyse and understand your spending.

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      • 19.
        I want to create my own categories. How do I do it?

        You can create your own specific categories, but they must be contained within an existing top-level category. Click on a category heading for a transaction item in 'Transactions'. Select the appropriate top-level category and choose the 'Other' specific category. You'll be prompted to enter a name for your new category. Any new categories you create will be available for you to use right away. They can't be seen by any other Money Manager users.

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      • 20.
        Can I view transactions by specific periods of time?

        You can select periods of time by applying filters in the Spending Analysis tab. Just select the appropriate date range (you can view a specific month or a whole year) and click 'Apply'.

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      • 21.
        I want to split a transaction into 2 or more categories. How?

        You can split a transaction into categories. For example, you might want to categorise a £100 supermarket shop to show that you spent £70 on food and £30 on DVDs. First, click to categorise the transaction as you normally would (see our help & support on categorising transactions). Then select the amount and category you want to assign to the split item and press the 'Save' button. You can assign a maximum of 5 splits per transaction item.

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      • 22.
        How do I categorise a transaction?

        You can categorise your transactions in two different places. To categorise one of the current month's uncategorised transactions, use the link at the bottom of the pie chart on the Spending Analysis page. Or you can use the 'Transactions' tab to check which of your transactions haven't been categorised.

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      • 23.
        Can I view past transactions?

        You can view transactions against your accounts for up to two years.

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      • 24.
        How do I remove an account?

        You can't delete an account but you can easily remove it from view by applying a filter.

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    Important legal information

    Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

    Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

    Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. Personal Internet Banking customers only. Terms and conditions apply. Mobile Banking services may be affected by phone signal and functionality. Must be registered for Internet Banking. Terms and conditions apply.