The days of sweating over how much money is left in the kitty before the next pay cheque hits the bank account could be numbered. The UK’s biggest bank, HSBC, has announced 10,000 of its customers are to trial a smartphone app that will not only help them keep track of their bank balances, but will also give them a “nudge” if spending limits are breached. The app will even allow accounts held at 21 rival banks to be included so that customers know exactly how much cash they have to spend. And the app is not all about the money, it can also help people attain personal goals, such as spending less on drinks or cigarettes, as spending can be broken down into easily visible categories such as groceries, entertainment, coffee and utility bills, allowing customers to track what they spend their money on. HSBC UK’s head of personal banking, Becky Moffat, told the BBC, “What customers told us they want, is the ability to see all their money in one place and have helpful nudges and tools”. Before participating in the trial, however, the editor suggests customers seek clarification on what form the “nudge” will take, a guilt trip, fine, or physical pain of some sort?