Shoal vs BoodleIt

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.

Boodle is a savings app designed to help individuals—especially younger users who value spontaneity—build positive financial habits without sacrificing their lifestyle. Rather than taking a rigid, restrictive approach to saving, Boodle empowers users to live in the moment while still achieving meaningful financial progress through a personalized, adaptive, and psychologically rewarding experience. At the heart of Boodle’s platform is a behavior-first design philosophy, which replaces the traditional “carrot and stick” model with real-time positive reinforcement. When users consciously avoid unnecessary discretionary spending—like skipping a takeaway coffee or choosing to cook at home—the app encourages them to instantly “bank the difference.” Boodle delivers a small celebratory win through haptic feedback, uplifting sound effects, and progress tracking, replicating the dopamine hit typically associated with spending. Over time, this creates a habit loop that gradually retrains the user to associate gratification with saving rather than spending. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/