The Best Shopping Apps to Save You Money in 2020

Now more than ever, it’s so important to save money where we can. To help you out, we’ve put together a list of the best shopping apps to save money in Australia around Christmas.


Want to get paid each time you shop? Well, with Shopback you can. Shopback’s 5 million+ members accumulate cash each time they buy something from merchants like Amazon,,, Uber Eats, ASOS and more.

Simply search on Shopback for your store, purchase an item, and receive an order confirmation to get cash deposited directly into your bank or PayPal account. Shopback gets paid a commission when you buy from their partners and a portion of that cash is passed onto you.


What started off as a browser extension that applies discount codes to your cart is now a shopping app to save you money! The Honey app showcases millions of your favourite products, complete with current discount codes so you can find the best deals. All you need to do is copy and paste the discount code to your cart and check out from one convenient location on your phone (even if you’ve shopped from multiple stores).


It’s difficult to find a retailer without a loyalty program for their customers these days. But remembering to accumulate points or finding the loyalty card when you go to pay can be tricky. Stocard solves these problems. The app stores all your loyalty cards digitally, so you’ll never miss out on savings again. You can also set-up mobile payments in Stocard which let you tap and pay with your phone via the Mastercard® network.


Since 2011, over 3.65 million people in Australia and New Zealand have used Groupon to claim massive deals from businesses across categories like food, entertainment, technology, sports, beauty, and more. Download the app to access a vast array of exclusive deals and coupons from thousands of retailers.


Want access to countless deals from household brand names in fashion, lifestyle, pet care and tech? Australian online marketplace,, will bring them to you! You can also sign up to receive push notifications straight to your phone, meaning you’ll be the first to know about new deals.


One of the oldest players in the online marketplace game is Gumtree. Here, you’ll have access to millions of listings from local and interstate sellers and service providers, making it one of the best shopping apps to save you money while directly supporting your local community.


Kogan is an award winning retailer dedicated to making high-demand products and services more affordable and accessible. Their app does a fantastic job of keeping users up to date on recent price drops and new products across electronics, appliances, hardware and homeware categories. Join their Kogan First program and you’ll even receive free express shipping.


Uni students, this is for you. UNiDAYS gives higher education students free access to discounted deals from fashion, technology, lifestyle, food, wellness and beauty brands. It’s not just a shopping app to save money; UNiDAYS curates a personal feed for each student, so they can access the very best content from brands all over.

Prino Pro

Think of Prino Pro like your very own bargain hunter. The app lets you create a list of your favourite products to buy at the best possible prices. Receive notifications when prices drop and access coupons from retailers like Chemist Warehouse, JB Hi-Fi, The Good Guys, Bunnings and more.


Want to save money, support independent sellers and find vintage treasures? You can do it all with Etsy. Renowned as the global marketplace for handmade, unique and creative goods, use their app to save money shopping and speak directly with Etsy sellers to receive tracking updates and the scoop on new products.

No matter which of these apps you choose, you’re sure to see your savings grow as we close out this year. Happy shopping!

Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice –

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat