It used to be that the only good thing about going to the bank was when, and if, they sent out a lollipop in those little tubes in the drive-thru. But now banking is getting way more convenient, efficient and dare we say鈥 fun? (And there aren鈥檛 even any lollipops involved.) From sending money to your friends to paying your bills on time, there are brand new banks, services and apps that are looking to help you manage your money smarter without spending all of your money to do it.

This week鈥檚 ways to upgrade your life are all about the money and how you can really get a grip on yours. It can take a little adjusting, but when you realize you don鈥檛 have to pay a million fees or talk to eight robots before your reach customer service, you鈥檒l wonder why you ever gave your money to those big banks in the first place. We鈥檝e got the low-down on ways to bring your banking into 2015 and make you and your money way happier.

To聽Combine All of Your Cards


SWYP is a metal card that combines all of your credit, debit and gift cards all in one hardcore metal card, making it the only thing you need to carry in your wallet. If you鈥檙e something of an account hoarder, never fear. SWYP can hold the info of up to 25 cards. You set everything up through the app (available for Android and iOS) by swiping each of your cards through the card reader. When you鈥檙e ready to pay, you can just toggle through each card on the SWYP screen until you get to the one you want to use. To keep things secure, SWYP locks when you鈥檙e out of a certain range from your phone. This do-it-all card runs on a battery that lasts for two years. SWYP is $49 right now on pre-order and is expected to ship in the fall.

For Managing Your Money on the Daily

For this one, we couldn鈥檛 decide between two services, because they each offer perks that the other doesn鈥檛. So, we鈥檙e going to give you the scoop on both, which would make great replacements for whatever card you use for daily spending.


Simple lets you track your spending in a super simple way with its nifty Goals feature. Whether you鈥檙e setting aside money for your next vacation or groceries, Simple lets you divvy up your cash, leaving you with your Safe-to-Spend amount. The money you鈥檝e set aside is still in your Simple account. When you spend money, you instantly get a ping on your phone (Android or iOS) telling you how much you鈥檝e spent. You can even mark it as an expense from one of your goals right then. (Editor鈥檚 note: This card is great if your info ever gets stolen. Once I got a ping that I鈥檇 spent money at a store, when in fact I鈥檇 been writing on my couch all day. I was able to call Simple right then and alert them. Oh yeah, and their customer service is ace.)


Moven is much like Simple when it comes to making tracking your finances a breeze. But Moven brings the added bonus of having a tap-to-pay feature. You can add this sticker to your phone (Android or iOS) and leave your wallet at home to tap away anywhere that you can pay with PayPass. The Moven app brings all of your accounts together so you can easily transfer funds between them. If you鈥檙e all about tap-to-pay and want an app to merge all of your accounts, this one may be the way to go.

To Save Smarter

Digit is a service that doesn鈥檛 replace your bank or your debit card, but it connects to them to help you save without even noticing you鈥檙e doing it. First, it starts analyzing your spending habits and your income to find little bits of money here and there that it can set aside for you. Week by week, Digit transfers small sums of money (from $5-$50) from your checking account to your Digit savings account.

Your first thought might be 鈥淥VERDRAFTS!鈥 But trust that they have an overdraft guarantee that ensures you won鈥檛 be caught with a goose egg in your checking account. They鈥檝e made accessing your Digit account just easy enough to get to your savings when you need it, but not so easy that you tap into it for an emergency latte. When you need money from your Digit savings account, just text them. They鈥檒l transfer the funds to your checking account the next day, without any need for an extra card in your wallet.

For Paying Bills


Prism is an app (available on Android, iOS and Windows) that tracks all of your bills and reminds you when they鈥檙e due. With Prism, you can pay your bill right from the app for free. To further take the huge weight off of your shoulders, Prism will notify you when you get a new bill and again when it鈥檚 due so you don鈥檛 miss the deadline. You can pay it right then or schedule it for a later date using any account you want. Once you set it up the first time, you don鈥檛 need to worry about PIN numbers and account numbers after that. It really couldn鈥檛 be any easier to pay your bills on time. No more excuses.

Breach-Free Credit

Final Credit

When we first read about Final, we were like 鈥淪ay, what? Why didn鈥檛 someone do this before?鈥 Each time you use your Final credit card, it pays the merchant with a new credit card number, so if someone tries to hack your credit card and steal your number, they鈥檙e not going to get too far. That means, the card doesn鈥檛 even have numbers on it鈥 THE FUTURE. If anything fishy is going on with your account, Final will notify you immediately to get your confirmation. You can even set a limit for merchants with whom you have a monthly subscription so if they charge you over that amount, you鈥檒l know about it. And you can even limit your own spending. From your phone or computer, looking at your finances is absolutely gorgeous. We鈥檙e pretty sure they鈥檝e thought of everything.

Banking for Small Business


Banking for business shouldn鈥檛 be so darn expensive, and with Holvi, it鈥檚 not. It鈥檚 the perfect kind of straightforward banking you need for your small business so you can turn your attention to all of the other things you have to deal with. From freelancers to personal trainers, Holvi gives you the features you need to sell and invoice clients online while tracking all of your income and expenses in one place. It doesn鈥檛 replace your bank account, but instead works on top of it, giving small business tools to become super efficient. Opening an account is free, and the service is pay-as-you-go. Right now Holvi is just in 19 countries throughout Europe, and it鈥檚 gradually expanding. Don鈥檛 worry 鈥 we put in our vote for the US.

Picture Banking


Bank Mobile is a new service that鈥檚 looking to be the cool new thing for millennials and their money. In fact, the design kind of hits you over the head with it, but once you get past that, it鈥檚 actually bringing a new feature set that you can鈥檛 get with some of the other services 鈥 specifically, picture banking. For example, to open an account, just snap a picture of your license. There鈥檚 the benefit of real-time payments, no fees and text alerts for transactions, deposits and balances. You can also pay with photos of your account number, amount due and recipient鈥檚 address. This all still seems a little elusive, as there isn鈥檛 a video to really show off the features, but we鈥檙e keeping an eye on this one to see if it grows into something more efficient.

How do you bank? Let us know if you use any of these services and how you like it in the comments!