Bó banking app set up account

Let's do money better.

Hello. Bó is the banking app that helps you spend less and save more.

Get on the waiting list!

You must be 18 or over and a UK tax resident to be eligible for a Bó account. You’ll also need an iPhone on iOS 10 (or later) or an Android phone with 6.0 Marshmallow or above.

Because feeling skint sucks

No one likes being in the red. That’s why we want to keep you in the yellow.

The yellow? Yeah. It’s the zone where you’re managing your day-to-day cash well. So well in fact that when life’s little surprises crop up or you want to treat yourself, you don’t need to reach for your credit card. Or dig yourself further into your overdraft. Sound unlikely? Well Bó can help get you there.

Pop your spending money into Bó and we’ll show you how to make that everyday money s-t-r-e-t-c-h. We'll help you keep tabs on your spending so you can start keeping more money in your pocket.

That’s life in the yellow. That’s life with Bó.

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Just do one thing and we'll do the rest

Transfer your spending money (the money you have left after bills) into Bó and then let Bó get to work.

There is no need to switch, no monthly fee and you will be able to use Bó no matter who you bank with. And because Bó lives on your phone, you can check your account anytime.

Feel on top of things

With Bó you can say goodbye to stressing about pending payments. That’s because we update your balance in real-time so you always know exactly how much is in your account.

If you struggle to know where your money goes each month, well we can help there too. Bó shows you everything you buy listed by retailer and category, so you can see what you spend on. We also send you instant alerts every time your card’s used. These can help you get familiar with your habits and spot any fishy transactions, fast.

And if you can’t find your card one day, don’t panic! You can lock it in the app. And when it shows up (because they usually do don’t they?), you can unlock it. How’s that for handy?

Boó banking app card
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Make your money last

Putting your everyday spending money into a separate account and letting us help you manage it, is a great first step if you want to get a handle on things. And once you have done that, you can use Bó’s nifty features to go further.

We will help you work out a realistic budget and then get you into the rhythm of checking your account daily so you stay on track. And if you look like you’re veering off, we will send you a friendly reminder to help steer you back.

Tweaks equal treats

Once you’ve been with Bó for a bit you will get to know what you spend on, and where you might want to make swaps. Like skipping your third morning coffee so you can afford those new trainers. Or ditching the trainers so you can save up for that dream holiday.

Even just a few changes can add up to a lot over time.


We have learnt from the best. And you can too!

We have spoken to a lot of experts and looked at a lot of data, 1.5 billion bits of anonymised data to be precise, and learnt what the three key steps are if you want to get a handle on your money.

  1. Separate your spending money from your bills and put it in a separate account
  2. Set yourself a budget and savings goal
  3. Check your account daily

We have put all these steps into Bó to help you spend less and save more. So why not give it a go?

Your money and your data are safe

Bó is part of NatWest and we use industry grade security to make sure your money and your data are safe and secure.

The money in your Bó account is protected up to a maximum of £85,000* by the Financial Services Compensation Scheme.

We will never sell your data to a third party or spam you with offers. To find out more about how we use your personal info, read our Privacy Policy.

* If you have accounts with Bó and NatWest, the maximum you would be able to claim across all accounts combined is £85,000.

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Bó is currently in Private Beta, but sign up now to our monthly newsletter and be the first to find out when our Public Beta launches.

We'll be in touch soon!

You must be 18 or over and a UK tax resident to be eligible for a Bó account. You’ll also need an iPhone on iOS 10 (or later) or an Android phone with 6.0 Marshmallow or above.

Bó is part of National Westminster Bank Plc (“NatWest”), registered in England and Wales (Registered Number 929027). Registered Office: 250 Bishopsgate, London, EC2M 4AA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. NatWest is entered on the Financial Services Register and its Register number is 121878. The Financial Services Register can be accessed at. NatWest's registered VAT number is GB 243852752.

Bó is protected by The Financial Services Compensation Scheme (FSCS). Read more here.

Photo credit: The pic of the mopey pug and all the lovely portrait shots come from unsplash.com. Thanks guys!