# Snoop

> 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.

- Canonical: https://www.anchorterminal.com/tools/snoop
- Markdown: https://www.anchorterminal.com/tools/snoop.md (~4,700 tokens)
- Slim: https://www.anchorterminal.com/tools/snoop.min.md (~1,130 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/tools/snoop.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

## Overview

**Grade F · 26.7/100 · rank #1027 of 1076 · #3 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium**


## Assessment

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.

## Facts

| Field | Value |
| --- | --- |
| Vendor | Usnoop Limited (https://snoop.app) |
| Kind | Platform |
| Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) |
| Auth | OAuth or key · 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 (Freemium) · 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). |
| x402 | No · No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14). |
| Licence | Closed service under Snoop's terms and conditions (Usnoop Limited) |
| llms.txt | not found |
| Last release | 2026-09-30 |
| Surface listed | 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. |
| Outside agent access | None. No public API or MCP server; the site lists only a partnerships email for commercial and data partnerships. |
| What it tracks | 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) |
| Regulation | FCA firm registration number 911638 (payment services); ICO ZA564008 |
| Company | Usnoop Limited, company number 11797870, registered office Fairburn House, 5 Godwin Street, Bradford BD1 2AH, part of Vanquis Banking Group per the privacy policy |
| 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 |
| JSON | https://www.anchorterminal.com/api/v1/tools/snoop.json |

## Score breakdown (methodology v0.4, October 2026 research run)

Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points.

| Category | Weight | This run | Score (0–100) | Points |
| --- | --- | --- | --- | --- |
| Reliability | 16% | 20 | 60 | 12.0 |
| Performance | 10% | pending | pending | n/a |
| Schema & documentation | 13% | 16.2 | 0 | 0.0 |
| Agent ergonomics | 13% | 16.2 | 0 | 0.0 |
| Security & auth | 14% | 17.5 | 6 | 1.1 |
| Payments & pricing | 10% | 12.5 | 30 | 3.8 |
| Task success | 10% | pending | pending | n/a |
| Maintenance & community | 7% | 8.8 | 55 | 4.8 |
| Transparency & trust (editorial 48, provenance 67) | 7% | 8.8 | 58 | 5.1 |
| Negative events | up to −15 | up to −15 | none recorded | 0 |
| **Total** | | | | **26.7 → F** |

### Why each score

- Reliability 60: 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).
- Performance: 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.
- Schema & documentation 0: 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).
- Agent ergonomics 0: 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.
- Security & auth 6: 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).
- Payments & pricing 30: 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).
- Task success: 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.
- Maintenance & community 55: 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).
- Transparency & trust 58: 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).

Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (14 items): https://www.anchorterminal.com/fixes/snoop.md (JSON https://www.anchorterminal.com/fixes/snoop.json)

### What we couldn't check

- Dates of the terms and privacy policy.
- Retention periods for account and transaction data.

### Sources

- home page: <https://snoop.app/> (seen 2026-10-14)
- Snoop Plus and prices: <https://snoop.app/plus/> (seen 2026-10-14)
- security page: <https://snoop.app/security/> (seen 2026-10-14)
- responsible disclosure: <https://snoop.app/security-disclosure/> (seen 2026-10-14)
- terms: <https://snoop.app/terms/> (seen 2026-10-14)
- privacy policy: <https://snoop.app/privacy-policy/> (seen 2026-10-14)
- status incidents: <https://snoopstatus.statuspage.io/api/v2/incidents.json> (seen 2026-10-14)
- App Store listing and version history: <https://apps.apple.com/gb/app/id1495077102> (seen 2026-10-14)

## Who's behind it (provenance 67/100, checked 2026-10-14)

| Check | Finding | Points |
| --- | --- | --- |
| Legal entity named | Usnoop Limited | 20/20 |
| Domain age | snoop.app, registered 2018-05-08 (8 years) | 11/15 |
| Endpoint on the vendor's domain | no hosted endpoint | n/a |
| Terms of service | read, states 4 of the 7 things a reader expects | 7.4/10 |
| Privacy policy | read, states 6 of the 8 things a reader expects | 8.5/10 |
| Status page | snoopstatus.statuspage.io | 10/10 |
| Changelog | not found | 0/10 |
| security.txt | not found | 0/10 |

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.

### Terms and privacy, as read

A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice.

**Terms of service** (https://snoop.app/terms/), read 2026-10-14, gives no date, states 4 of the 7 things a reader expects.

- Not found in the text. Gives the date it was last updated.
- Names the governing law or courts. The law of England and Wales.
- Not found in the text. States a limit on its liability.
- Says how changes to the terms are announced. Says it gives notice of a change.
- Not found in the text. Refers to a service level or uptime commitment.
- Also in the text (2026-10-14). Snoop accepts no liability for lost profit or business losses where the app is used for commercial, business or resale purposes. "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."
- Also in the text (2026-10-14). Customers do not qualify for any statutory or other compensation scheme if Snoop cannot meet its liabilities. "Snoop customers do not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities."

**Privacy policy** (https://snoop.app/privacy-policy/), read 2026-10-14, gives no date, states 6 of the 8 things a reader expects.

- To know. Says it sells personal data or shares it for advertising. "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."
- Not found in the text. Gives the date it was last updated.
- Says whether personal data is sold or shared for advertising. Says it does not sell personal data.
- Gives a privacy contact. privacy@snoop.app.
- Not found in the text. Says where data is transferred or stored.
- Also in the text (2026-10-14). 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. "If you would prefer we did not use your personal data in this way then you should not use the Snoop service."
- Also in the text (2026-10-14). Snoop profiles users to assess their likely financial resilience and uses the result to choose the content and products it shows them. "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."

## Live (updated 2026-10-14 09:39 UTC)

- Vendor status page: none, All Systems Operational
- Always current: https://www.anchorterminal.com/api/v1/live/snoop.json

## Probe metrics

Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score.

## 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.

## Before you call it (notes for agents)

1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.
2. For a business data arrangement, the route is partnerships@snoop.app, not an API.

## Similar tools

Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last.

| Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown |
| --- | --- | --- | --- | --- | --- | --- |
| Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/quicken-simplifi.md |
| Emma | F | 17.4 | 1044 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/emma.md |
| Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md |
| Copilot Money | F | 16.3 | 1049 | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/copilot-money.md |
| PocketGuard | F | 14.6 | 1053 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | no | https://www.anchorterminal.com/tools/pocketguard.md |
| Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/hiatus.md |

## Panel reviews (0)

Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): .

Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md

## Notable

- No API or developer page on snoop.app. Commercial and data partnership enquiries go to partnerships@snoop.app (source: <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) (source: <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) (source: <https://snoop.app/privacy-policy/>)
- Snoop Plus can export transaction data as a CSV file (source: <https://snoop.app/plus/>)
- A responsible disclosure policy takes reports at securitydisclosures@snoop.app with a published GPG key, and pays no rewards (source: <https://snoop.app/security-disclosure/>)

- #3 of 10 in Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Compare

- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md): F 17.4 vs F 26.7
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md): F 14.3 vs F 26.7
- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md): F 20.7 vs F 26.7
- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md): F 17 vs F 26.7
- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md): F 7.9 vs F 26.7
- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md): F 16.3 vs F 26.7
- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md): F 14.6 vs F 26.7
- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md): F 26.7 vs B 65.1
- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md): F 27.4 vs F 26.7

## Verify this listing

For the vendor. The badge or a plain link to this page verifies the listing, from a page on snoop.app or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "snoop", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify

HTML badge:

```html
<a href="https://www.anchorterminal.com/tools/snoop"><img src="https://www.anchorterminal.com/badges/snoop.svg" alt="Snoop on Anchor Terminal" height="20"></a>
```

Markdown badge, for a README:

```markdown
[![Snoop on Anchor Terminal](https://www.anchorterminal.com/badges/snoop.svg)](https://www.anchorterminal.com/tools/snoop)
```

Plain link:

```html
<a href="https://www.anchorterminal.com/tools/snoop">Snoop on Anchor Terminal</a>
```

## Share this listing

For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Snoop is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score.

- Dark: https://www.anchorterminal.com/assets/share/snoop-dark.png
- Light: https://www.anchorterminal.com/assets/share/snoop-light.png
- Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=snoop