Ask whether the app connects securely to your bank, what data it collects and how it is used, and whether it is FCA-authorised where relevant. Check all costs, including subscriptions, trial periods and charges for extra features, as well as whether you can export or delete your data. It is also worth asking how often transactions update, whether the app supports your accounts and savings goals, and what help is available if something goes wrong. Read the provider’s privacy policy and terms before linking any account.