Gen Z lives life at the speed of a swipe and expects every tool they use to be as seamless and social as their favorite apps. They’re juggling shared expenses, building savings for the future, and craving quick, trustworthy tips, all without wading through clunky interfaces or hidden fees. In this article, we’ll dive into innovative solutions that help Gen Z manage their finances in a fun, stress free way, empowering young adults to split costs effortlessly, grow their wealth intelligently, and stay informed. Whether you’re settling up after brunch, planning for long-term goals, or leveling up your money mindset, you’ll find everything you need right here.
Gen Z takes their finances seriously. Despite growing up through recessions, political instability, the COVID pandemic, and more recently the cost of living crisis; Gen Z is actually the most active generation when it comes to investing, with around 66-70% of Gen Zers having invested in stocks and shares. In our opinion, there is no better app when it comes to investing in the UK than Trading212. So why Trading 212:
Trading212 is the best way for Gen Z to invest in stocks and take advantage of the stocks and shares ISA in a simple and effective way.
Keeping tabs on where your money goes is key to financial independence, but splitting bills shouldn’t kill the vibe. Traditional tools force you to front costs and chase friends or partners for reimbursements, turning chill hangs into awkward IOU sessions, and modern banks like Revolut and Monzo only work if everyone in the group is using the same bank. There’s a better, more social-first solution that settles up in real time, right at the point of payment, so you can focus on the fun, not the follow-ups. This app is called Cino. So why is Cino the perfect fit for Gen Z?
Before Cino, trips stay in the group chat, the moment the bill hits the table there is that awkward silence, and you spend time chasing your friends for money they owe or having to front the bill and worrying about going into your overdraft: after Cino, just tap once and focus on what really matters, the quality time with your friends, partner, siblings, or roommates!
This may seem out of the left field, but our pick for financial education is actually… TikTok. We can explain! Firstly, financial education is absolutely critical, especially for Gen Z. As mentioned previously, this is a generation which has grown up with the hangover of previous generations' bad money management. Houses are unaffordable compared to wages, job prospects are dwindling, so in order to stay ahead of the crowd, financial education has become extremely important for Gen Z, and TikTok is at the heart of this.
TikTok is Gen Z’s number one social media, and for good reason - it understands you in a way that other social media companies just haven’t been able to replicate. Whether you're interested in books, history, sports, or finance, TikTok will craft your For You Page to match your needs just like it is in your brain! This means that once your FYP understands you, you will be served a breadth of finance content teaching you everything from how to invest, how to advance your career, the latest finance technology, and much more, all in a fun and entertaining way.
Here is our favourite TikTok account ;)
Whether you’re settling up after brunch, growing your nest egg, or brushing up on money hacks, these three tools have you covered. With instant, social-first bill-splitting, cost-effective investing, and bite-sized education in your pocket, you’ll spend less time worrying about “who owes what” and more time living your best life. Ready to swipe, invest, and learn your way to financial confidence? Give these apps a spin!
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