{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "snoop", "name": "Snoop", "vendor": "Usnoop Limited", "vendorUrl": "https://snoop.app", "kind": "platform", "category": "personal-finance", "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.", "url": "https://www.anchorterminal.com/tools/snoop", "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json", "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).", "pricing": "freemium", "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.bills", "finance.budgets", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 26.7, "grade": "F", "agentReady": false, "rank": 1027, "ranked": true, "rankOf": 1076, "categoryRank": 3, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 55, "payments": 30, "reliability": 60, "schema": 0, "security": 6, "transparency": 58 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 60, "points": 12, "reason": "Read with the hosted lines. Statuspage at snoopstatus.statuspage.io with app, account-linking and per-bank components and history back to 2020 (20). No incident from 16 July to 14 October 2026; the last was a transaction and bill refresh problem on 16 and 17 December 2025 (30). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2020 and not labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. Snoop has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. snoop.app/llms.txt returns 404 (0). With no agent interface there is nothing to version (0 of 15)." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. Snoop has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 6, "points": 1.05, "reason": "Graded on the interface an outside agent can use. With none for Snoop, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, login combines the device, phone number and a key code or biometrics, and banks connect through Open Banking. A responsible disclosure policy with an email address and GPG key, no bounty, and \"regular audits\" with unnamed security partners; no security.txt or certification found (6 of 20)." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 30, "points": 3.75, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Snoop Plus priced on the site at £5.99 a month or £47.99 a year (10). Snoop is free, with no card needed (20). A person signs up in the app (0)." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 55, "points": 4.81, "reason": "Read for a closed service. iOS 11.5.0 on 30 September 2026 (30). Four iOS versions from 13 August to 30 September, plus 11.2.1 on 16 July (20). Release notes describe additions such as Future You, and support is by email, which we didn't test (5 of 15). No MCP server or SDK (0). No package or CI to judge (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 58, "points": 5.08, "note": "editorial 48, provenance 67", "reason": "Closed service under terms naming Usnoop Limited, undated (15). The privacy policy, also undated, says Snoop never sells personal data but sells aggregated market research with personal data removed, and gives no retention periods (15 of 30). No deprecation policy or dated notices found (2 of 20). A table names processors with data locations, including US analytics, and the transfer safeguards (16 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. Snoop has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.", "maintenance": "Read for a closed service. iOS 11.5.0 on 30 September 2026 (30). Four iOS versions from 13 August to 30 September, plus 11.2.1 on 16 July (20). Release notes describe additions such as Future You, and support is by email, which we didn't test (5 of 15). No MCP server or SDK (0). No package or CI to judge (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Snoop Plus priced on the site at £5.99 a month or £47.99 a year (10). Snoop is free, with no card needed (20). A person signs up in the app (0).", "reliability": "Read with the hosted lines. Statuspage at snoopstatus.statuspage.io with app, account-linking and per-bank components and history back to 2020 (20). No incident from 16 July to 14 October 2026; the last was a transaction and bill refresh problem on 16 and 17 December 2025 (30). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2020 and not labelled beta (10).", "schema": "Graded on the interface an outside agent can use. Snoop has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. snoop.app/llms.txt returns 404 (0). With no agent interface there is nothing to version (0 of 15).", "security": "Graded on the interface an outside agent can use. With none for Snoop, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, login combines the device, phone number and a key code or biometrics, and banks connect through Open Banking. A responsible disclosure policy with an email address and GPG key, no bounty, and \"regular audits\" with unnamed security partners; no security.txt or certification found (6 of 20).", "transparency": "Closed service under terms naming Usnoop Limited, undated (15). The privacy policy, also undated, says Snoop never sells personal data but sells aggregated market research with personal data removed, and gives no retention periods (15 of 30). No deprecation policy or dated notices found (2 of 20). A table names processors with data locations, including US analytics, and the transfer safeguards (16 of 20)." }, "sources": [ { "what": "home page", "url": "https://snoop.app/", "seen": "2026-10-14" }, { "what": "Snoop Plus and prices", "url": "https://snoop.app/plus/", "seen": "2026-10-14" }, { "what": "security page", "url": "https://snoop.app/security/", "seen": "2026-10-14" }, { "what": "responsible disclosure", "url": "https://snoop.app/security-disclosure/", "seen": "2026-10-14" }, { "what": "terms", "url": "https://snoop.app/terms/", "seen": "2026-10-14" }, { "what": "privacy policy", "url": "https://snoop.app/privacy-policy/", "seen": "2026-10-14" }, { "what": "status incidents", "url": "https://snoopstatus.statuspage.io/api/v2/incidents.json", "seen": "2026-10-14" }, { "what": "App Store listing and version history", "url": "https://apps.apple.com/gb/app/id1495077102", "seen": "2026-10-14" } ], "openQuestions": [ "Dates of the terms and privacy policy.", "Retention periods for account and transaction data." ] }, "negative": 0, "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.", "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.", "strengths": [ "Free to use, with Snoop Plus priced on the site.", "Status page with no incident from 16 July to 14 October 2026.", "Processors named with data locations in the privacy policy.", "Responsible disclosure address with a published GPG key." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "No retention periods in the privacy policy, and aggregated market research is sold.", "Terms and privacy policy carry no dates.", "No bug bounty or named security certification." ], "agentNotes": [ "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.", "For a business data arrangement, the route is partnerships@snoop.app, not an API." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 26.7 } ], "editorialScores": { "ergonomics": 0, "maintenance": 55, "payments": 30, "reliability": 60, "schema": 0, "security": 6, "transparency": 48 }, "provenanceScore": 67 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/snoop" }, "notable": [ "No API or developer page on snoop.app. Commercial and data partnership enquiries go to partnerships@snoop.app (https://snoop.app/plus/)", "Usnoop Limited is registered with the FCA under the Payment Services Regulations 2017 (firm registration number 911638) and with the ICO (ZA564008) (https://snoop.app/terms/)", "The privacy policy names Vanquis Banking Group as receiving data for corporate management and behavioural analysis, and lists processors with locations, such as AWS (EEA), Amplitude and Segment (US), Tink (EEA) and Zendesk (EEA and US) (https://snoop.app/privacy-policy/)", "Snoop Plus can export transaction data as a CSV file (https://snoop.app/plus/)", "A responsible disclosure policy takes reports at securitydisclosures@snoop.app with a published GPG key, and pays no rewards (https://snoop.app/security-disclosure/)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "The Snoop app, read from snoop.app (home page, Snoop Plus, security, responsible disclosure, terms, privacy policy), the status page and the UK App Store listing on 14 October 2026. No account was created." }, { "label": "Outside agent access", "value": "None. No public API or MCP server; the site lists only a partnerships email for commercial and data partnerships." }, { "label": "What it tracks", "value": "Spending by category and merchant, bills and subscriptions, contract renewals, budgets, credit score and refunds, with savings suggestions and a savings account (https://snoop.app)" }, { "label": "Regulation", "value": "FCA firm registration number 911638 (payment services); ICO ZA564008" }, { "label": "Company", "value": "Usnoop Limited, company number 11797870, registered office Fairburn House, 5 Godwin Street, Bradford BD1 2AH, part of Vanquis Banking Group per the privacy policy" } ], "provenance": { "legalEntity": "Usnoop Limited", "domain": "snoop.app", "domainRegistered": "2018-05-08", "endpointOnVendorDomain": null, "terms": "https://snoop.app/terms/", "privacy": "https://snoop.app/privacy-policy/", "statusPage": "https://snoopstatus.statuspage.io", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.", "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.", "The status page is a Statuspage site with app, account-linking and per-bank components.", "RDAP gives a registration date of 2018-05-08 for snoop.app." ], "score": 67, "checks": [ { "check": "Legal entity named", "value": "Usnoop Limited", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "snoop.app, registered 2018-05-08 (8 years)", "points": 11, "max": 15, "state": "part" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "read, states 4 of the 7 things a reader expects", "points": 7.4, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "read, states 6 of the 8 things a reader expects", "points": 8.5, "max": 10, "state": "part" }, { "check": "Status page", "value": "snoopstatus.statuspage.io", "points": 10, "max": 10, "state": "ok" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://snoop.app/terms/", "state": "read", "readAt": "2026-10-14", "words": 5412, "points": 7.4, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": false }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "These Terms, and all our dealings with you are governed by the laws of England and Wales.", "says": "The law of England and Wales" }, { "key": "terms.liability", "label": "States a limit on its liability", "found": false }, { "key": "terms.termination", "label": "Says how the agreement or account can be ended", "found": true, "quote": "We may at any time suspend, restrict, or end your use of our service, your account or the Snoop App if we think your security may have been breached, or your privacy could be at risk through attempted fraudulent activity, or if your location presents a risk to the security of Snoop, including if:" }, { "key": "terms.changes", "label": "Says how changes to the terms are announced", "found": true, "quote": "In the event our partners change the interest rate or terms associated with your Snoop Savings Account, they will notify you via the Snoop App.", "says": "Says it gives notice of a change" }, { "key": "terms.use", "label": "Lists what users may not do", "found": true, "quote": "You must not use any part of the content on the Snoop App or Snoop Website for commercial purposes without obtaining a licence to do so from us or our licensors." }, { "key": "terms.sla", "label": "Refers to a service level or uptime commitment", "found": false } ], "notes": [ { "date": "2026-10-14", "text": "Snoop accepts no liability for lost profit or business losses where the app is used for commercial, business or resale purposes.", "quote": "If you use the Snoop App for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity." }, { "date": "2026-10-14", "text": "Customers do not qualify for any statutory or other compensation scheme if Snoop cannot meet its liabilities.", "quote": "Snoop customers do not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities." } ] }, { "kind": "privacy", "url": "https://snoop.app/privacy-policy/", "state": "read", "readAt": "2026-10-14", "words": 7650, "points": 8.5, "max": 10, "expected": [ { "key": "privacy.date", "label": "Gives the date it was last updated", "found": false }, { "key": "privacy.collected", "label": "Says what personal data is collected", "found": true, "quote": "This Privacy Policy sets out how and on what basis we collect information about you, and the ways in which you and your data are protected when you use the Snoop App and/or Snoop Website." }, { "key": "privacy.retention", "label": "Says how long data is kept", "found": true, "quote": "We keep your personal data for no longer than necessary for the purposes for which the personal data is processed." }, { "key": "privacy.processors", "label": "Says who else receives the data", "found": true, "quote": "We do this by using regulated Open Banking technology to communicate with your third-party bank account providers in a secure way." }, { "key": "privacy.sale", "label": "Says whether personal data is sold or shared for advertising", "found": true, "quote": "That’s why we never sell any of your personal information – because we recognise that when you use Snoop, you don’t want other companies knowing more about you so they can market to you or invade your privacy.", "says": "Says it does not sell personal data" }, { "key": "privacy.rights", "label": "Says what rights people have over their data", "found": true, "quote": "You have the right to object: You have various rights in respect of our use of your personal data as set out in the 'Your Key Rights' section below. The fundamental right to be aware of is that you may ask us to consider any valid objections which you have to our use of your personal data where we process your persona…" }, { "key": "privacy.contact", "label": "Gives a privacy contact", "found": true, "quote": "You can exercise this right by emailing us at privacy@snoop.app.", "says": "privacy@snoop.app" }, { "key": "privacy.transfers", "label": "Says where data is transferred or stored", "found": false } ], "toKnow": [ { "key": "privacy.sells", "label": "Says it sells personal data or shares it for advertising", "found": true, "quote": "Legitimate interests – so we can keep going as a business and continue to provide a free service, we may provide registration information and spending data to third party companies to allow them to build lookalike digital audiences to market to." } ], "notes": [ { "date": "2026-10-14", "text": "Using personal data to personalise the app and deliver targeted insights cannot be switched off, and users who object are told not to use the service.", "quote": "If you would prefer we did not use your personal data in this way then you should not use the Snoop service." }, { "date": "2026-10-14", "text": "Snoop profiles users to assess their likely financial resilience and uses the result to choose the content and products it shows them.", "quote": "We use profiling to understand and ascertain your potential level of financial resilience as part of your Vulnerability Information, and to determine your circumstances and potential interests." } ] } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json", "live": { "slug": "snoop", "vendorStatus": { "page": "https://snoopstatus.statuspage.io", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:41.423456754Z" }, "updatedAt": "2026-10-14T09:39:41.423456754Z" } } }