About r/UKPersonalFinance
Discuss, learn and request advice on how to budget, protect, save and invest your pounds and pence in the UK.
The community at a glance
r/UKPersonalFinance is a Subreddit for Points Chasers with roughly 1.9M members. It has been around since 2012. It uses a forum format for communication. On the Hive Index it ranks #7 in the Credit Cards communities list.
Roughly 97K members have joined in the past year. Popular discussion topics include Struggling, Debt, and Mortgage. Common discussion themes are Advice Requests and Money Talk. Product recommendations often mention credit card, savings account, and loan.
Community Topics
Community Features
This community has a forum
Subreddit Analysis
via GummySearchMember growth over time
All time (yearly)
- 2014: 3K members
- 2015: 5K members
- 2016: 8K members
- 2017: 14K members
- 2018: 21K members
- 2019: 31K members
- 2020: 102K members
- 2021: 362K members
- 2023: 686K members
- 2024: 335K members
- 2025: 231K members
- 2026: 78K members
Past year (monthly)
- Nov: 9K members
- Dec: 10K members
- Jan: 10K members
- Feb: 7K members
- Mar: 8K members
- Apr: 9K members
- May: 8K members
- Jun: 8K members
- Jul: 8K members
- Aug: 8K members
- Sep: 8K members
- Oct: 3K members
Themes
- Advice Requests17 posts in the past month
- Pension - Fidelity vs L&G Master Trust
- How to utilise my salary and decent credit like an adult- any help for a long time lurker?
- Advice for budgeting for supplements
#117Advice RequestsPension - Fidelity vs L&G Master Trust · How to utilise my salary and decent credit like an adult- any help for a long time lurker? · Advice for budgeting for supplements - Money Talk5 posts in the past month
- After maxing out ISA where should I put my money?
- Best way to pay off student loan in full?
- Dive deeper into BTL, or invest elsewhere?
#25Money TalkAfter maxing out ISA where should I put my money? · Best way to pay off student loan in full? · Dive deeper into BTL, or invest elsewhere? - Solution Requests3 posts in the past month
- Are there any Apps similar to Monarch that I can use to manage my personal finances?
- What bank accounts offer the same level of budgeting and investment features as Monzo?
- Does anyone know of a UK bank that offers joint accounts for 3 people?
#33Solution RequestsAre there any Apps similar to Monarch that I can use to manage my personal finances? · What bank accounts offer the same level of budgeting and investment features as Monzo? · Does anyone know of a UK bank that offers joint accounts for 3 people?
Topics
- Struggling51 posts in the past month#151Struggling
- Debt10 posts in the past month#210Debt
- Mortgage6 posts in the past month
- Porting mortgage any chance of fees?
- What is more important? Paying off student loan or getting a mortgage
- Unsure how to proceed on a ported mortgage & potential additional borrowing on property
#36MortgagePorting mortgage any chance of fees? · What is more important? Paying off student loan or getting a mortgage · Unsure how to proceed on a ported mortgage & potential additional borrowing on property - Savings5 posts in the past month#45Savings
- Credit Card5 posts in the past month
- UK Credit Card Application Process
- Creating a dummy email to prevent spending on a credit card?
#55Credit CardUK Credit Card Application Process · Creating a dummy email to prevent spending on a credit card?
Flair
- R5 - unanswerable, yes/no, DAE1 post in the past month
- How are you all coping emotionally with financial uncertainty?
#11R5 - unanswerable, yes/no, DAEHow are you all coping emotionally with financial uncertainty? - Removed - R21 post in the past month
- It’s hard to spend money on things.
#21Removed - R2It’s hard to spend money on things. - Removed1 post in the past month
- How to utilise my salary and decent credit like an adult- any help for a long time lurker?
#31RemovedHow to utilise my salary and decent credit like an adult- any help for a long time lurker?
Product recommendations
- credit card9 posts in the past month
- Best Credit Card for Honeymoon
- Best FX Credit Card for international travel
- What is the best travel credit card to get as a minimum wage worker who wants to visit the US and travel to other countries?
#19credit cardBest Credit Card for Honeymoon · Best FX Credit Card for international travel · What is the best travel credit card to get as a minimum wage worker who wants to visit the US and travel to other countries? - savings account6 posts in the past month
- Saving for a house – looking for advice on ISAs and best options
- Looking for the best high interest savings accounts for a 20 year old.
- Best savings account to deposit £7150? Currently with Halifax Instant Saver
#26savings accountSaving for a house – looking for advice on ISAs and best options · Looking for the best high interest savings accounts for a 20 year old. · Best savings account to deposit £7150? Currently with Halifax Instant Saver - loan6 posts in the past month
- Best way to quickly pay off a 35k loan?
- Best way to borrow £2000 urgently?
- Best small UK personal loans for around £50 for emergency?
#36loanBest way to quickly pay off a 35k loan? · Best way to borrow £2000 urgently? · Best small UK personal loans for around £50 for emergency? - pension4 posts in the past month
- 24M Self employed. Best pension scene?
- Best pension / SIPP app for a beginner?
- Best option for My uncles pension, need help
#44pension24M Self employed. Best pension scene? · Best pension / SIPP app for a beginner? · Best option for My uncles pension, need help - investment platform3 posts in the past month
- Investing - looking for best platform for my needs
- Best investment platform for 6 figure lump sum?
- recommend a investment platform for Asia/HK exposure
#53investment platformInvesting - looking for best platform for my needs · Best investment platform for 6 figure lump sum? · recommend a investment platform for Asia/HK exposure
Community Reviews
Frequently asked questions
- Who is r/UKPersonalFinance for?
- Best for Points Chasers enthusiasts looking for a Reddit-based community with forum discussion.
- Is r/UKPersonalFinance free to join?
- This listing is not marked as paid-only. Access rules and any fees are decided by the community.
- How many members does r/UKPersonalFinance have?
- Roughly 1.9M members, based on figures reported by the community or its host. Member counts are approximate and change over time.
- What platform is r/UKPersonalFinance on?
- r/UKPersonalFinance runs on Reddit. Reddit communities (or "subreddits") are forum-based groups on the popular social news aggregation, web content rating, and discussion website Reddit. Reddit is commonly known as "the front page of the internet". Users submit content to the site such as links, text posts, and images, which are then voted up or down and discussed by other members. From investing Reddit communities, to professional ones, to ones just for laughs, you're likely to find a community for you on Reddit.
- What topics does r/UKPersonalFinance cover?
- On the Hive Index, r/UKPersonalFinance is organized under Points Chasers.
- How do I join r/UKPersonalFinance?
- You can join r/UKPersonalFinance by clicking this link, or pressing the "Go to community" button above.
- What are the Credit Cards communities like?
- Communities for credit card churning, rewards optimization, and discussing the best credit card deals, sign-up bonuses, and current offers.
Added 10/14/2026
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