Start by deciding whether you are comparing budgeting apps, current accounts, savings products or another money tool, as the important features differ. Compare fees, interest or overdraft rates, budgeting functions, access, customer support and how your data is used. Check whether the provider is authorised by the Financial Conduct Authority (FCA), and do not assume money held with an app has the same protection as a bank deposit; check the relevant safeguards carefully. Consider your own needs and circumstances, and seek regulated financial advice if you are unsure about a significant decision.