HMBradley: Save Spend Borrow is a free financial app available on the iPhone platform. It is developed by HM Bradley Inc. and falls under the category of Business & Productivity with a subcategory of Finance.

This app allows users to build habits that contribute to their wealth. With HMBradley, users can automate their savings journey and start building their wealth right away. The app offers a high Annual Percentage Yield (APY) of up to 4.50% on savings balances, making it one of the best APYs on the market.

In addition to saving, users can also earn even more with their spending. By using the app, users can boost their APY to up to 4.70% and earn unlimited 1.5% cash back on their expenses. HMBradley also provides a feature called Triggers and Actions, which allows users to automate their financial routines and build strong saving habits.

Please note that HMBradley is a financial technology company, not a bank. Deposit accounts are provided by New York Community Bank, a division of Flagstar Bank, N.A., and are insured up to $250,000 per depositor.