25 Money Apps For International Students, Business Travellers and Expats
Personal Finance Apps For International Students, Executives & Expats
Mobile apps can seemingly do it all. Just consider how they’ve changed the way we travel or handle moves overseas: There are apps that can show you how to save money on that move abroad, how to budget for such big events, and how to manage your personal cash flow.
There are even apps that can help you earn cash. Some allow you to offer services, and others simply pay you a little each week to maintain an exercise or health routine.
On top of that, apps have completely removed any reason for us to incur expensive charges on calling home. There are plenty of choices for apps that let you do group chats, and apps that can compress data, which lets you save more on your phone bill.
Our list of 25 apps below covers the whole spectrum of money issues for people who live abroad or travel abroad frequently. This includes saving money on flights and shipping costs, tracking business expenses and setting up personal budgets for your life abroad.
25 Money Apps For Business Travellers and The Best Student Budget Apps
Skyscanner (iOS, Android)
A global travel search site, Skyscanner provides price comparisons for millions of flights, car hires and hotels, saving you both time and money. The apps are separate, and the Flight app is available on Windows 10, as well. Once you have found your flight, you then book directly with the airline or online travel agent.
Moving Guru (iOS, Android)
Moving can be extremely chaotic and stressful, especially when you’re relocating overseas. It pays to be organised and to choose the right mover. With the Moving Guru app, you’ll be guided through every phase of your move, whether it’s domestic or international, with an estimate and checklist. Starting 10 weeks prior to the move date, you’ll add tasks to your calendar, with tips for selecting a mover as well as packing tips.
This international shipping company ships everything everywhere, and they say they have the best rates. From baggage and small shipments to various self-loading door-to-door options, including 40 foot shipping containers, they’ll move your stuff. Use the UPackWeShip online packing list creator, which allows you to choose items from a “customs-friendly” dictionary. There is also a label creator so you can stick labels with your name, destination and other information onto your moving boxes.
Apps That Save You Money On Getting Around
Stay (iOS, Android)
A free travel app, Stay has maps of more than 150 cities around the world. Download the city you’re in, and you can view it without being connected to the internet. Stay can save you money on roaming fees. It also features thousands of local expert guides, including baristas, chefs and DJs, making it that much easier to explore and find great venues.
Taxi Fare Finder (Browser-Based)
You can see the taxi rates in your city and estimate the cost of your taxi, Uber or rideshare before leaving home. With more than 1,000 cities across the globe listed at Taxi Fare Finder, you can budget your trips to and from the airport and around town, too.
Kabbee (iOS, Android, Windows)
This London-based minicab booking app helps you find the cheapest and closest minicab by comparing more than 70 cab fleets across London. You’ll save money using Kabbee because minicabs can be up to 70% cheaper than black cabs.
Parker Car (iOS, Android)
Another taxi alternative in the UK is Parker Car Service. Although anyone can use the service, it’s designed with the business user in mind. The company will customise invoices and bill weekly or monthly, and bookings can be charged to a business account. If you pay with a debit card, you’ll save the 6% credit card surcharge.
GrabTaxi (iOS, Android, Windows, Blackberry)
An on-demand ride service in Southeast Asia is GrabTaxi, which covers Malaysia, Philippines, Thailand, Singapore, Vietnam and Indonesia. It is cost-effective in that you can hire private cars that may not charge as much as standard fares. Even if you are booking a cab from a local taxi fleet, rates vary between companies; if you know which one is cheapest, you can save money by choosing that one.
Hailo (iOS, Android)
Located in 20 cities around the world, from Barcelona to Tokyo, Hailo lets you hail taxis from within the app. The app locates your location, summons the taxi closest to you and lets you know how long it will take for your ride to pick you up. Some rides have fixed fares, and they are calculated so they’re always lower than the meter rate you would have paid with another company.
goCatch (iOS, Android)
The taxi-finding app for Australia is goCatch. In addition to locating the nearest cab, the company has reduced the electronic payment surcharge to 5% nationally around Australia to save you a little extra money with every trip.
Apps For Managing Your Budget, Wherever You Are
Mint (iOS, Android, Windows)
Handling your finances — bills, budget and wild spending money — all within one app will keep you from making late payments, getting charged NSF fees and being caught with nothing in your pocket. Mint also helps you create a budget that is specific to you, based on your spending, which means it’s more likely you’ll stick to it.
Good Budget (iOS, Android)
If sticking to that budget is harder than you thought, it might be time to turn to the old-school style of budgeting-by-envelope. Instead of physically placing money in envelopes, of course, it’s an app. Good Budget syncs, so you can share your household budget with other family members, and it allows you to budget on the go. Save for big expenses by putting money in designated envelopes, after all the non-negotiable expenses have been taken care of.
Mvelopes (iOS, Android)
Similar to Good Budget, Mvelopes gets you thinking long-term about money, and it has you define your income and make a budget before filling the spending envelopes. Although it syncs to your bank accounts and credit cards, your spending is constrained by your budget, and not the actual amount of money you have in your accounts. If you set up your actual income correctly, and a budget that is reasonable, you should be able to accrue some nearly painless savings on the side.
Apps For Business Travellers
Xpenditure (iOS, Android, Windows, Blackberry)
Expense reports can be a hassle, especially when you’re on the road (or in the air). With this app, you scan or take a picture of the receipt, and it will go straight to the accounting department at your home office. User-friendly, Expenditure is a solution for whatever size business you’re in.
IFTTT Do (iOS, Android)
Do from the meta-app If This Then That (IFTTT), which links various web accounts to actions, can be used to record expenses, too. After downloading the Do app, take a picture of your receipt and automatically save it to Dropbox. The Dropbox link can be sent to the accounting office or your accountant when tax time rolls around again.
Time is money, so when you need to track time spent on various accounts, this app’s customisable notifications and start/stop timers are money savers. If you connection Hours to FreshBooks’ cloud accounting, you can keep an eye on your bottom line in real time.
Improve your team’s workflow (and profitability) from anywhere in the world you travel with Sqwiggle. There’s no need to call; it’s a low bandwidth, “always on” workplace that allows you and your colleagues to work together and share files, as though you’re physically in the same room, throughout the day.
Apps That Make Using Your Phone Cheaper
Onavo Extend (iOS, Android)
By using this data-compressing app, you’ll be able to use your phone more without increasing your bill. Onavo runs in the background, constantly finding ways to conserve you mobile data. Simply by lowering the quality of an image, for example, you’ll save data. It also gives you details about how much data you use in each app.
GroupMe (iOS, Android, Windows)
Connect for free with friends, family or coworkers in a private group chat with GroupMe. It works on most devices, and you can include friends on your contact list over SMS, even without the app. You can even log onto GroupMe from the web in case you’ve lost your phone. Plus, there’s a llama emoji, and that’s just priceless.
Apps That Can Make You Money
Fiverr (iOS, Android)
If you have skills in just about any field (such as graphics and design, programming, business, advertising, and online marketing), you can make money on Fiverr. The base price is $5, with custom offers that allow the seller to set higher prices. There are millions of gigs in more than 100 different categories across 196 countries.
GrabPoints (iOS, Android)
GrabPoints is an international program in which users earn points for downloading (and using) apps, watching videos and completing surveys. When you have enough points, you can cash out for Amazon, BestBuy, Starbucks, Wal-Mart, Target or Paypal credit.
Swagbucks (iOS, Android)
Available in the US, Canada, the UK and Australia, Swagbucks is another online rewards and cash-back program. In addition to doing things you’d normally do online, such as search the web, you can answer polls, watch videos, play games and shop. With each activity, you’ll accumulate points redeemable as gift cards, PayPal cash or pre-paid cards from Visa.
Pact (iOS, Android)
Pact is a mobile healthy lifestyle tool that pays you a little bit each week to exercise and eat healthier. You earn up to $5 a week by honoring your pledges to work out a certain number of times or to eat a certain amount of veggies. Pact will also fine you if you don’t meet your commitments, which is certainly another form of motivation.
Viggle (iOS, Android, Windows)
You can earn points redeemable as gift cards, trips or electronics by watching TV or listening to music. By opening the Viggle app as you watch or listen, it identifies the show or song and adds points to your account.
Foap (iOS, Android)
If you’re good with a camera, you could make money selling your photos on Foap. Each photo on Foap costs $10, and for each sale you make you cash out $10. There are various contests for specific content, some run by big brand names, where prizes run from hundreds into thousands of dollars.