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Spend wisely. Save more. Play, Win, Repeat.

Insights. Streaks. Games. Leaderboards. Rewards.

All the insights of a money app plus the power of a goal machine. Designed with a gamified system of rewards and consequences to help you reach your savings goals faster than ever before.

Rewards get bigger the better you perform.

Spend wisely. Save more. Play, Win, Repeat.

Super easy and fun to use.

How it works?

Bigmo incentivises you to spend carefully so you reach your savings goals faster.

  • How to Use - Step 1
    How to Use - Step 1

    Set savings goals

    What are you saving for? It might be a handbag, it might be a house. We'll help you set ambitious but achievable goals to work towards.

  • How to Use - Step 2
    How to Use - Step 2

    Link your bank

    We’ll monitor your transactions. No silly spending. We support all major current accounts & credit cards in the UK.

  • How to Use - Step 3
    How to Use - Step 3

    Challenge Yourself

    Personalized spending challenges so you’re focused on your goals. The more you engage, the better you’ll be rewarded.


~ 5 mins to get started

How to use image
  • How to Use - Step 4
    How to Use - Step 4

    Spend wisely

    Actionable insights, effective nudges, and engaging gamification. Assisted discipline to amplify your willpower. Let’s smash those goals.

  • How to Use - Step 5
    How to Use - Step 5

    Get Rewarded

    Qualify for weekly mini-games. Win rewards for your work. Save more to win more. Save big to win big.

  • How to Use - Step 6
    How to Use - Step 6

    Boost your wealth

    The better you perform, the more you save, and the sooner you smash your goals. Accelerate your wealth-building.

Get started with bigmo for free today

Power-packed with features

No gimmicks. Just the right tools you need to boost your finances.

Challenges

We live in a world designed to rinse consumption, with endless ways to spend without thinking. Take up the bigmo challenge and stay accountable.

Streaks

The feedback you need to motivate that momentum. Day-in, day-out discipline. How high can you fly?

Games

Prize-winning games to influence your decisions. Stick to your goals to qualify and get rewarded.

Rewards

At its core, bigmo is designed to reward you for saving. A mixture of virtual currencies, experiences and cash** are included.

** All rewards are subject to availability
Spending Insights

Sophisticated spending insights to gain useful understanding of your consumption. Reflect on your spending, manage your money, and save more.

Leaderboards

Relative performance to fuel your momentum and challenge yourself further.

Goal Tracking

We start with your goals and end with them fulfilled. With dashboards and progress measurement, gain a clear view of how you’re faring with your targets.

Frequently Asked Questions

  • What is the Bigmo vision

    Our vision is to enable our users reach their big moments in life, without compromising on the lighter moments that matter.

  • How do I contribute / collaborate / invest?

    Please write to Prasanna@bigpicturelabs.co.uk. You could also try our business Whatsapp

  • How do I ask more questions?

    Please use our chat facility(bottom right) on this website. You could also try our business Whatsapp

  • I’ve tried a couple of money apps. What is unique about bigmo?

    Bigmo is all about big moments and all about helping you to reach your big moments. From the ground up we are designed as a goal setting and goal fulfilment product whilst combining other insights that you’d expect out of a money app. Bigmo leverages behavioural economics and game mechanics at the core to influence human behaviour towards rational financial decision making. Whilst other apps could help you to manage or track your money, we help you to manage your mind and be better with your money in a gamified way. We focus primarily on goals and achieving goals.

  • How does bigmo measure my discipline?

    You give consent to link your bank accounts securely with bigmo to allow read only access for bigmo. We track your spending and our algorithms work out how well you are performing with respect to your monthly goals.

  • If I am not comfortable with bigmo, Can I opt-out?

    For some reasons you decide it’s not working you can delete and opt out of bigmo anytime

  • Can I change my goals and targets after I’ve entered a monthly challenge?

    You could change your goals and targets, after you had entered a monthly challenge but that will be reflected in the next month challenge. Like any other challenge you can’t change the rules of the game after the challenge has started - sounds fair?

  • How do you encourage me to save?

    The product at its core(challenges/rewards) is designed to help you save more for tomorrow. We start with the big moments and end with the big moments fulfilled; we stay with you throughout this journey to help you accomplish it. Think of this as a game, a real world game where you have rewards and consequences to nudge you into better spending and savings habits all tailored towards you reaching your big moments. We leverage principles from behavioural economics at the core of the product to influence spending and saving habits and we also nudge you(through notifications) when it matters more. Lastly we offer intuitive dashboards and actionable insights that matter when you participate to win bigmo challenges. We are constantly innovating and have some great features coming up and it’s just the beginning.

  • Is there a minimum I’d need to save in the challenge?

    Yes. As this is a challenge, bigmo sets you up for ambitious but achievable goals. The minimum for the challenge is 50% of your discretionary spending allowance. So let’s say you earn £3000 a month and £1500 are your fixed expense(rent/mortgage, utilities etc), then bigmo expects you to save £750 to be eligible for the big rewards. Remember, there is still a tolerance limit you can set which should give you a further cushion.

  • What are bidz?

    Bidz is our in-app virtual currency created within bigmo and rewarded to users based on your performance within bigmo. Bidz don’t have any monetary value inside or outside of bigmo. Bidz is the currency rewarded by bigmo for your spending discipline. With more bidz, you climb up to higher levels within bigmo and get access to rewards and benefits within those levels.

  • Are my savings safe?

    Losing or increasing your savings is entirely within your control. Your savings will be within your existing accounts held within your existing financial institution- we don’t move any money out. bigmo just has access to your account and transaction information and can’t perform any payment or transfer transactions on your accounts or savings.

  • What if I have to spend money in an emergency?

    Sometimes adhoc emergencies do occur. In such a scenario, you could make an emergency claim within the app. If you do so and after it is approved(we approve it if it fits in one of the usual categories of emergencies), then that transaction wouldn't be counted as part of your monthly spending limit rule. In such a case, you'll not be eligible for the 'bonus' reward, but you'll still be getting your money back if you had met your spending goals for that month. Most personal emergencies are covered- emergencies that are directly related to you.

  • Can I win cash?

    No, there are no guarantees for any cash rewards and we don’t make any assurances. Our designers and product leads are constantly thinking about making this fun and rewarding for you and the business

  • What if I have to spend money in an emergency?

    Sometimes adhoc emergencies do occur. In such a scenario, you could make an emergency claim within the app. If you do so and after it is approved(we approve it if it fits in one of the usual categories of emergencies), then that transaction wouldn't be counted as part of your monthly spending limit rule. In such a case, you'll not be eligible for the 'bonus' reward, but you'll still be getting your money back if you had met your spending goals for that month. Most personal emergencies are covered- emergencies that are directly related to you.

  • Is Bigmo secure?

    bigmo is regulated by FCA(Financial conduct authority). We use secure Open banking technology, recommended and trusted by banks. We ensure bank grade security and your security and privacy wouldn’t be compromised at the cost of running the business.

  • Are my savings safe?

    Losing or increasing your savings is entirely within your control. Your savings will be within your existing accounts held within your existing financial institution- we don’t move any money out. bigmo just has access to your account and transaction information and can’t perform any payment or transfer transactions on your accounts or savings.

  • Can’t some users game the system?

    bigmo has rules inbuilt to spot such cases. By integrating with users bank accounts and analysing their financial position, we can spot people trying to game the system. Such users will have a low chance of entering the challenge and also a low chance of winning rewards. This way the system remains fair for all.

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