Bill management apps and services compared

The best apps and services to manage household bills in the UK (2026)

Short answer

It depends whether you want someone else to hold the bills. Bills packages such as Huddle, Homebox and Resooma collect one payment and charge for it. Utility Warehouse supplies energy, broadband and mobile itself, on one bill. Apps such as Snoop, Emma and Nous track bills you hold yourself. Taupia compares and splits them, free.

Updated 15 October 2026

Check if you are overpaying on energy Utility Warehouse vs Taupia

How each one is paid, what it covers and who holds the account, as each company's own site, terms or price page gave them on 15 October 2026. Prices change, so check before you sign.

Bill management apps and services compared, October 2026

Service	How it is paid	What it covers and who holds the account
One Utility Bill	A fee inside one monthly price. Its household terms put its management fee and an unlimited energy fee inside the package cost, and it says it also gets commission from supplier partners.	Covers: energy, broadband, TV and water in one monthly payment. Holds the account: you, with One Utility Bill authorised to manage it in your name. Housemates are jointly and severally responsible.
Fused Bills	A management fee on top of the bills, which Fused puts at about £1.03 per person per week for an average four-student house.	Covers: unlimited energy plus the services the house chooses. Holds the account: you, in your name where a supplier requires it, under the same household terms as its sister brand One Utility Bill. Housemates are jointly and severally responsible.
Huddle and The Bunch	Huddle sets each housemate's monthly share from a forecast, with a water administration fee of £2.20 a week per house. The Bunch charges £10 a month based on the number of bill payers where it manages more than one service.	Covers: energy, water, broadband and a TV Licence, with Tru Energy supplying Huddle's energy. Holds the account: you contract with Huddle Utilities Ltd, which has run The Bunch since 4 September 2026.
Homebox	A subscription fee from £15 a month per resident on top of the bills, and some tariffs it offers carry a commission Homebox receives from the supplier.	Covers: energy, broadband, water, council tax and TV packages. Holds the account: the residents where possible, with some bills in Homebox's name. Residents are jointly and severally liable for its fees.
Split The Bills	One quoted price per house, collected by a separate Direct Debit from each housemate. Its terms say it may also act as a provider's agent and keep commissions or service fees.	Covers: gas, electricity, broadband, water and a TV Licence, picked service by service. Holds the account: you, in your name, with Split The Bills as your agent. Each of you answers for your own share.
UniHomes	A service fee inside the price per person per week. Its terms let it keep the difference between what you pay and what it pays the providers, plus any commission they pay it.	Covers: electricity, gas, water, broadband and a TV Licence. Holds the account: you, in your name for energy and the TV Licence, with UniHomes as your agent. Each tenant is responsible for all the charges.
Epic Student Bills	A fixed charge from £18 per person per week, illustrated for five housemates. Its terms let it keep the difference between that charge and what it pays the suppliers as its service fee.	Covers: unlimited energy and water, broadband in two of its packages, and a TV Licence as an add-on. Holds the account: you, directly with each supplier, with Epic managing it. Everyone on the order is jointly and severally liable.
Resooma	One monthly bill split equally between housemates, with a water administration fee in its terms of £2.50 a week per house, excluding VAT.	Covers: energy, water, broadband, TV and, for non-students, council tax. Holds the account: its terms name Future Residential Ltd, which Companies House shows in liquidation, while its bills page footer names Huddle Utilities Ltd.
Utility Warehouse	Its own prices, with bigger discounts the more services you take. UW pays the Partners who sign customers up an upfront bonus and then a share of each customer's bill.	Covers: energy, broadband, mobile and insurance on one bill, plus an optional Cashback Card. Holds the account: Utility Warehouse itself, as the supplier, with one main account holder and an optional second.
Snoop	Free, with Snoop Plus at £5.99 a month or £47.99 a year. Snoop says a new supplier may pay it when you switch through Snoop, and that it uses anonymised transaction data to help other businesses spot spending trends.	Covers: the bank accounts and cards you connect, with bill increases flagged, and switching for energy, broadband and mobile. Holds the account: you. Snoop reads your accounts through Open Banking.
Emma	Free on Basic. Plus is £4.99 a month, Pro £9.99 and Ultimate £14.99, each cheaper paid yearly, and Emma also earns from affiliate partners and from users who save or invest with it.	Covers: the bills and subscriptions in your connected accounts, with price-hike alerts, and bill reminders on Plus. Holds the account: you. Emma reads your accounts through Open Banking.
Monzo bills pots	Free with a Monzo current account. Paid plans from £3 a month add extras, such as a virtual card on a Pot.	Covers: Direct Debits and standing orders paid from a Bills Pot, with a bills calendar that predicts repeating payments. Holds the account: you, with each provider. Monzo pays the bills from your Pot.
Starling Bills Manager	Free with a Starling account, which Starling says carries no monthly fees.	Covers: Direct Debits and standing orders paid from a ring-fenced Space, on personal, joint and business accounts. Holds the account: you, with each provider. Starling pays the bills from your Space.
Nous	Free for two services, or Premium at £6.99 a month for all of them. Nous says Premium subscriptions are its income, and its terms say it usually passes some or all of any provider commission back on Premium.	Covers: energy, broadband, mobile and mortgages, with home and car insurance coming soon. Holds the account: you, with Nous acting as your agent to switch where you have instructed it.
Taupia	Free to the household. A provider pays Taupia commission when a switch completes: around £20 per fuel on supported energy routes, with broadband and mobile varying by deal.	Covers: energy, broadband and mobile compared, every household bill split between housemates, and water, council tax and TV Licence kept in view. Holds the account: one named housemate, with each provider. Taupia never moves money.

Which bills packages hold the bills for you, and how are they paid?

Each package here was read from its own terms or price page. A package arranges the bills and collects for them, and its own charge usually sits inside the price it quotes.

Most take their money from inside one quoted price. One Utility Bill's terms put its management fee in the package cost, and Epic's and UniHomes' terms let each keep the difference between what you pay and what it pays the suppliers.
Three publish their own charge: Fused about £1.03 per person per week for an average four-student house, The Bunch £10 a month based on the number of bill payers, and Homebox from £15 a month per resident.
Commission is disclosed in their own words: One Utility Bill says it gets commission from supplier partners, Split The Bills' and UniHomes' terms let them keep it, and Homebox says some of its tariffs carry it.
Liability differs by contract. One Utility Bill, Epic and Homebox make housemates jointly and severally liable, UniHomes makes each tenant responsible for all the charges, Split The Bills makes each of you answer for your own share, and Huddle and Resooma make whoever submits the order answer for all of it until the others accept.
Leaving early usually costs. The Bunch charges £150 per fuel, Huddle £30 per service per tenant and £150 per property for energy, Resooma £30 per service per tenant, and Homebox the minimum subscription fee for each remaining month.

Student bills packages compared, card by card

How is Utility Warehouse different from a bills package?

It supplies the services itself, so there is no other company behind the bill to compare it with.

Utility Warehouse is the provider: its residential terms are between you and Utility Warehouse Limited, with each service under its own agreement on one bill.
Its prices reward taking more. Its pricing page says the more services you take, the more you can save, and new customers taking three or more services can get help with their old providers' exit fees.
Its fixed energy tariffs list exit fees of £75 per fuel.
It is sold through Partners as well as online. UW says a Partner earns up to £300 for a homeowner taking at least four core services, then a percentage of that customer's monthly bill for as long as they stay.
Utility Warehouse is in Taupia's energy comparison set, but Taupia cannot complete a switch to UW, so it never recommends one.

Sources: Utility Warehouse: how our pricing works (read 15 October 2026); Utility Warehouse: earn extra income as a Partner (read 15 October 2026); Utility Warehouse: about us (read 15 October 2026); Utility Warehouse residential terms, V.25 (PDF) (read 15 October 2026); Utility Warehouse fixed energy tariffs (read 15 October 2026)

Utility Warehouse vs Taupia

Which apps track the household bills you already hold?

None of these takes over the bill. Each reads, pays or switches bills that stay in your name.

Snoop and Emma read your bank accounts through Open Banking and flag bills, subscriptions and price rises. Both have a free tier and paid plans, and both list partners among the ways they earn.
Monzo and Starling pay your Direct Debits and standing orders from a separate pot or space inside your bank account, so bill money is set aside before you spend it. Both are free with the account.
Nous goes further: it tracks when each contract ends and handles the switch for you unless you choose its manual mode. It is free for two services and £6.99 a month for all of them.

Sources: Snoop: how does Snoop make money? (read 15 October 2026); Snoop: cut your bills (read 15 October 2026); Emma: how does Emma make money? (read 15 October 2026); Emma: compare plans (read 15 October 2026); Emma: recurring payments (read 15 October 2026); Monzo: Pots and Bills Pots (read 15 October 2026); Starling Bank: Bills Manager (read 15 October 2026); Nous pricing (read 15 October 2026); Nous FAQs (read 15 October 2026); Nous terms of use, effective 25 September 2026 (read 15 October 2026)

Nous vs Taupia

What changed among bill management services in 2026?

Four changes an older roundup will not show.

The Bunch became a Huddle Utilities brand. The Bunch says it transferred its customer contracts and brand to Huddle Utilities on 4 September 2026, and its terms, version 1.1, now name Huddle Utilities Ltd as the company you contract with.
helloBill is new. Run by Hello Bill Limited, the company that was The-Bunch Limited until it was renamed on 11 September 2026, it offers a move-in service that sets up water, council tax, energy, broadband and the TV Licence. Its app has not launched, and it lists switching for existing homes as coming soon.
Glide no longer sells a household bills package. Its site now presents fibre broadband and managed Wi-Fi for student accommodation, build-to-rent and business.
The company Resooma's bills terms name, Future Residential Limited, entered creditors' voluntary liquidation on 30 April 2026, and the footer of Resooma's bills page now names Huddle Utilities Ltd.

Sources: The Bunch: official announcement regarding The Bunch (read 15 October 2026); The Bunch terms and conditions, version 1.1 (read 15 October 2026); helloBill (read 15 October 2026); Companies House: Hello Bill Limited, 10303631 (read 15 October 2026); Glide (read 15 October 2026); Companies House: Future Residential Limited, insolvency (read 15 October 2026); Resooma bills (read 15 October 2026)

Which one suits your household?

Start from who you want holding the bills, then check what that costs.

If nobody wants a supplier account in their name, a bills package arranges the accounts and collects a share from each of you. Compare its quote with the same services bought direct before you sign.
If you want every service from one company, Utility Warehouse puts them on one bill. Price it with the number of services you would actually move, because that is what sets its discount.
If you want to keep your own accounts and simply see or pay them in one place, a money app or your bank's bills feature does that for free or a small monthly fee.
If you share the home, check how each option splits a bill and who answers to the supplier when a housemate does not pay.

Whose name should the house bills go in?

Where does Taupia fit, and how is it paid?

Taupia is one of the services in this table, so here is its own model in full.

Taupia is free to the household. A provider pays it commission when a switch completes, around £20 per fuel on supported energy routes, with broadband and mobile varying by deal.
It compares energy from 19 suppliers covering around 90% of the GB market, plus broadband and mobile, recommends one deal with its reasons, and nothing changes without your approval.
It splits every household bill between housemates on percentages that total 100%, worked out from the real bill amount, and sends reminders while a share is outstanding.
It never moves money: each housemate repays the person the bill is in the name of directly. It does not switch water or set up council tax, though it keeps both in view.
It cannot switch you to Utility Warehouse, and it is paid only for switches it carries out.

Why Taupia is free

Managing household bills

Questions about apps and services that manage bills

What is the best app to manage household bills in the UK?

It depends who you want holding the bills. A bills package such as Huddle, Homebox or Resooma takes them on for a charge. Utility Warehouse supplies energy, broadband, mobile and insurance itself on one bill. Snoop and Emma track bills you hold, Monzo and Starling pay them from a separate pot, and Nous switches them for you. Taupia compares energy, broadband and mobile and splits each bill, free.

Is there a service that puts all my bills in one place?

Yes, in three ways. A bills package collects one payment for energy, water, broadband and more, and charges for doing it. Utility Warehouse supplies energy, broadband, mobile and insurance on one bill. A banking feature such as a Monzo Bills Pot or Starling's Bills Manager pays every Direct Debit from one place while each bill stays with its provider.

How do bill management apps and services make money?

It depends on the type. Packages keep a fee inside the price they quote, and several say they may keep supplier commission too. Utility Warehouse earns from the services it supplies and pays Partners from that. Apps charge subscriptions, earn commission when you switch, or both. Taupia charges the household nothing and is paid commission by a provider when a switch completes.

Is Utility Warehouse a bills package?

No. A bills package arranges other companies' services and collects for them. Utility Warehouse supplies energy, broadband, mobile and insurance itself, under its own residential terms, and bills them together. Its discounts grow with the number of services you take, and its fixed energy tariffs list exit fees of £75 per fuel.

Is Taupia free?

Yes. Taupia charges the household nothing to compare, switch or split bills. A provider pays Taupia commission when a switch completes, around £20 per fuel on supported energy routes, and nothing changes without your approval. Taupia never moves money: housemates repay the person each bill is in the name of directly.

Keep reading

More on choosing who runs the bills

The comparisons this roundup is built from.

Start here

Utility Warehouse vs Taupia

Recommended

What UW bundles, how its discounts and exit fees work, and how its Partners are paid.

Cite this page

Taupia. "The best apps and services to manage household bills in the UK (2026)". Last updated 15 October 2026. https://taupia.com/compare/bill-management-apps-uk

Keep every bill in view, without handing it over

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