# Shoal — Savings powered by Algbra > Savings app supporting sustainable projects, tracking environmental impact, and offering financial growth. (iPhone/iPad app by Algbra FS UK Limited.) - Source: https://appshunter.io/ios/app/shoal/id6737417897 (this page in markdown: same URL + `.md`) - Developer: [Algbra FS UK Limited](https://appshunter.io/developer/1610109637) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 15.1 · 132 MB - Languages: English - Released: 2024-10-31 - Data updated: 2026-06-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/shoal/id6737417897/reviews.md ## What is Shoal? Earn a great return on your savings as you help support a global portfolio of sustainable projects. Can you increase your savings as you help lower CO2? Shoal you can. - All in. 100% of your money helps support a global portfolio of green and social projects and companies². - Track your contribution. See the CO2e avoidance and clean water you help generate with your savings while growing your wealth². - Good for your wallet, good for the world. Contribute to a range of the United Nations' Sustainable Development Goals². All Savings Pots up to £85,000 are protected by FSCS³. - Shoal's mission Our mission is to empower people to achieve their financial goals while promoting environmental and social responsibility. — 1. Rates shown are indicative, latest rates are available in the Shoal App. Rates shown are annualised (AER). Returns on savings are repaid at the end of the savings term. 2. The impact of your savings is reflected in CO2 avoided or clean water generated, however these are benchmark statistics and do not guarantee that all products that your savings support directly contribute to the generation of clean water or reduction / avoidance of CO2 emissions. The Sustainable Finance portfolio against which your savings are referenced is provided by Standard Chartered Bank. Standard Chartered Bank is authorised by the PRA and regulated by the FCA (FRN 114276) and the PRA. For more information on the wider portfolio of sustainable projects and companies your savings help to support and how your impact is measured, read our FAQs. 3. For more information on how we ensure that your funds are kept safe at all times, read our FAQs. ## Key features - Earn returns on savings - Support green and social projects - Track CO2e avoidance - Track clean water generated - Contribute to UN SDGs - FSCS protected savings ## Recent user reviews (10 of 10) All indexed reviews: https://appshunter.io/ios/app/shoal/id6737417897/reviews.md ### 5/5 — Easy and good value ethical savings *2025-09-24, version 1.41.10* So far I’ve been really impressed with Shoal. The interest rates are pretty good, the app is easy to use and it’s nice to know that my savings are doing some good. Would recommend 👍 ### 4/5 — Good way of saving *2025-05-28, version 1.36.22* I like their approach and the app is user friendly. The reason I did not give 5* is there’s no reminder in the system that you have an upcoming/expired maturity. ### 5/5 — Amazing Rates *2025-04-29, version 1.36.6* Great app with amazing rates! Thanks Standard Chartered ### 5/5 — Amazing app *2025-03-14, version 1.36.6* Love the sustainable savings! ### 5/5 — Finally an account where I know what happens to my money *2025-01-20, version 1.35.0* A really simple to use app with a great savings rate. Also this is the first app where you actually can see what your bank does with your money! How cool is that! Highly recommend you use this app as part of your overall savings mix ### 5/5 — Great rates and great effort for sustainability *2025-01-14, version 1.35.0* Interest rates are surprisingly high and come with FSCS protection. I liked the app overall. There are definitely some areas for improvement, but kudos to the idea of investing in sustainability while earning a profit from it. ### 2/5 — Needs an invite code *2024-11-22, version 1.29.8* It’s misleading to not mention that you cannot do anything with this app unless you have an “early access” invite code. This should be mentioned in the app store description to avoid people like me wasting time and data downloading it before realising that I can’t do anything with it. ### 5/5 — Innovative and Intuitive *2024-11-14, version 1.29.6* Very quick and easy functionality and great visual design. Excellent. ### 5/5 — Great app! *2024-11-13, version 1.25.6* Easy to use, reliable, and has all I need. ### 5/5 — Great App *2024-11-10, version 1.25.6* A fantastic app ## Frequently asked questions about Shoal ### What is Shoal? Shoal is a savings app that allows users to earn returns on their money while supporting a global portfolio of sustainable projects. It also provides tracking for the environmental impact generated by users' savings. ### How does Shoal help the environment? Your savings in Shoal help support green and social projects. The app reflects this impact by showing CO2e avoidance and clean water generated, contributing to UN Sustainable Development Goals. ### Is my money safe with Shoal? Yes, all Savings Pots up to £85,000 are protected by the Financial Services Compensation Scheme (FSCS). This ensures your funds are kept safe at all times. ### What are the savings rates for Shoal? Indicative annualised rates (AER) are available within the Shoal App. Returns on savings are repaid at the end of the savings term. Specific rates are subject to change and can be found in the app. ### Does Shoal have ads? Shoal does not contain advertisements. The app is free to use and does not rely on ad revenue. ### What devices can I use Shoal on? Shoal is available for iPhone and iPod devices. The app is designed for iOS users. ### When was Shoal last updated? The latest version of Shoal, 1.46.9, was released on January 14, 2026. The app is actively maintained by Algbra FS UK Limited. ### What is Shoal's age rating? Shoal has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content. ## Version history (last 5 releases) ### 1.48.3 — 2026-04-14 We're continually working on improvements to ensure your Shoal journey is always smooth sailing. This update includes updated FSCS information, general fixes and enhancements below deck to keep make sure everything's running shipshape. ### 1.46.9 — 2026-01-14 We're continually working on improvements to ensure your Shoal journey is always smooth sailing. This update includes updated FSCS information, general fixes and enhancements below deck to keep make sure everything's running shipshape. ### 1.44.6 — 2025-11-28 We're continually working on improvements to ensure your Shoal journey is always smooth sailing. This update includes updated FSCS information, general fixes and enhancements below deck to keep make sure everything's running shipshape. ### 1.44.2 — 2025-11-03 We're continually working on improvements to ensure your Shoal journey is always smooth sailing. This update includes general fixes and enhancements below deck to keep make sure everything's running shipshape. Update now to enjoy the latest version of the Shoal app. ### 1.41.10 — 2025-09-02 We're continually working on improvements to ensure your Shoal journey is always smooth sailing. This update includes general fixes and enhancements below deck to keep make sure everything's running shipshape. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*