logo
Panasonic Z95A review: A sublime OLED TV with best-in-class sound

Panasonic Z95A review: A sublime OLED TV with best-in-class sound

Telegraph24-02-2025

This article contains affiliate links. The products or services listed have been selected independently by journalists after hands-on testing or sourcing expert opinions. We may earn a commission when you click a link, buy a product or subscribe to a service.
Price: £2,799 for 65-inch at Panasonic
Alternative seller: £2,799 for 65-inch at John Lewis
Also available in: 55-inch, £1,999
Our rating: 10/10
We like:
Stunning picture quality
Impressive sound
Swivel stand
We don't like:
Built-in soundbar may limit appeal
Bulky design
Fire TV adverts
What is the Panasonic Z95A?
The Z95A is a flagship-tier television from Panasonic, their top dog TV for 2024. It follows a line of high-quality OLED TVs from the company, marking itself out from its rivals by including a Technics-tuned soundbar and looking to be a high-end one-box solution for all your home entertainment needs.
The Panasonic Z95A uses the same OLED technology as the LG G4. As such, it has a Micro Lens Array (MLA) panel which helps boost the brightness of the pixels to deliver more dramatic high-dynamic range (HDR) visuals and better visibility in brighter rooms.
The Z95A runs on the Fire TV platform – which sits on some of the best TVs under £500 – so it's Alexa-compatible, offering hands-free voice control, while also supporting Freely, the TV service that streams terrestrial programming over your home Wi-Fi. As such, it's a highly connected television, offering a full range of technologies and it carries a flagship price to match.
Before we get started on this Panasonic OLED TV review, it's worth noting that this is also the TV that Panasonic used to lead the charge back into the US market, after leaving abruptly in 2016. Having been watching this TV for the past couple of weeks, it's easy to understand why, because it's undeniably one of the best OLED TVs around.
How we test televisions
Every TV is tested at home for a minimum of two weeks. We play a variety of content in standard, high and ultra-high definition, from movies to nature programmes, sport and daytime viewing. We evaluate the picture and sound and see how easy the TV is to set up and operate, while checking how well it performs with gaming consoles and other peripherals. We're looking for everyday usability as well as the wow factor.
Visit our Who We Are page to learn more about Telegraph Recommended reviews.
Design and technology: 8/10
The Panasonic Z95A is rare in that it has a built-in sound system. While all high-end TVs will talk about supporting Dolby Atmos, promising immersive audio, few have the speakers to produce it. Sony opts for its Acoustic Surface tech in the Bravia 8 which puts speakers behind the screen, while this Panasonic has a built-in soundbar and subwoofer.
I mention all of this in the design section because that decision dominates the design: this TV is bulkier than its rivals with much of the formwork on the rear of the TV being plastic and housing the speakers. That the panel itself is only 5mm thick – like the LG C4 I recently reviewed – doesn't really matter, because most of the TV is 60mm thick. The additional thickness also houses the cooling system that Panasonic has for the display, to ensure better long-term performance at high brightness, so there is a benefit to this thicker design as well.
From the front and the side, then, the Panasonic Z95A looks the part, but from the rear, it's not quite as pretty. Sure, most people will set this TV against a wall rather than in the middle of the room, but if you do have some space around it, then the swivel stand is a real asset. Most TVs have a fixed stand but I love having the freedom to change the angle of the screen with a touch.
Panasonic loves to talk about the hardware in its televisions. I believe this is to emphasise the company's own input and shift the focus away from the fact that it's using LG's OLED panel, and handing its supplier the credit. As such, we have the HCX Pro AI Processor MK II driving the Master OLED Ultimate panel, with a 4K Remaster Engine to handle the upscaling. That 'AI' mention in the processor name also makes it clear that Panasonic is using AI to boost the picture quality – and there's an Auto AI picture mode you can select to put this to work.
Picture quality: 10/10
As Panasonic's flagship TV, it's no surprise that the Z95A offers outstanding picture quality and is one of the best 4K TVs on the market right now. The first thing that's apparent after completing setup is the boosted brightness it offers over TVs that don't have this sort of tech. It's brighter than the Panasonic Z85A that sits a peg lower in Panasonic's range and it's more impactful than the popular LG C4, thanks to that MLA layer I mentioned previously.
High peak brightness means that the Panasonic Z95A copes with a bright room with ease. It utilises both a light sensor and a colour temperature sensor, which helps fuel systems like Dolby Vision IQ – an HDR standard which aims to adjust the picture to the room's lighting conditions.
You might want to turn off the ambient light sensor, however, as I found this could sometimes lead to brightness changes on the TV when switching scenes. In a shot with two people talking with one in darkness and one in light, as the camera switched between them, this brightness change made it look like the screen was flashing.
The other thing that's apparent from the Panasonic Z95A is how rich the colours are and how deep the black level is. This is an inherent property of OLED panels, so not unique here, but this is where OLED still has an advantage over LED technologies. The content on the Z95A looks sumptuous. I watched some of Netflix's new drama The Night Agent and found that dark scenes were expertly presented, with accurate skin tones dripping in detail.
The TV offers the latest standards: there's a Netflix Calibrated Mode, as well as a Filmmaker mode, which is often deemed as the 'most accurate' picture on TVs like this. I find Filmmaker mode a little too yellow for my tastes – especially for daytime viewing – but it's easy to turn off.
There's support for HDR10+, too, which is something you don't typically get from LG OLED TVs and this is a format that's now widely used on Prime Video. There's also support for HLG, which is how BBC iPlayer delivers its HDR content, including the occasional sports match.
Panasonic offers quick access to picture modes, either through the Picture button on the remote or via the menu button, which will open up a simple menu to make settings changes on the fly. This is great if you're a tinkerer like me, and I like that you can select information to show you the format you're watching: if you're wondering if you're actually viewing 4K Dolby Vision footage at 24Hz, the TV will tell you.
Watching Marvel's Black Widow, the impact of the snow scenes demonstrated the sheer level of brightness that this TV offers, with wonderfully immersive visuals. Flip to something lower quality, like Countdown, and the content is upscaled nicely, making it watchable even at 65 inches. A quick blast through the universe of Ready Player One cements my opinion that the Panasonic Z95A is a great TV if you want that big cinematic experience.
The viewing angles on this screen are great, too, meaning that if you're not sat in the sweet spot, you still get the rich, vibrant colours when watching from an angle.
Sound: 9/10
The Panasonic Z95A has a built-in soundbar, so it offers a little more out of the box than other televisions. This setup is more unique and the immediate criticism is that this arrangement might deter some users. If you're a home cinema fan looking for a great screen to connect to an existing sound system, then effectively you're wasting the Panasonic's audio skills and you might be better off shopping elsewhere, like the LG G4.
However, if it's the best performance out of a single box then that's what the Panasonic Z95A offers. There's no messing around with cables or mounting a soundbar, you just plug in the TV and everything works. On first startup, there's a tuning process to adapt the sound output to the room, taking into account where you've placed the TV and focussing the sound properly.
The sound system comprises 5.1.2 channels, with 160W output. This results in speakers firing towards you from the soundbar, side speakers and top speakers of the TV to give the sound stage more width and height, which is important to add immersion. This setup is designed to deliver Dolby Atmos and the results are good. Of course, it's not the same as a dedicated system with separate speakers, but there's no shortage of volume, respectable bass and better performance than most other TVs
There are also sound modes you can select on the TV, including an Auto AI mode which can boost the sound quality from some lower quality sources, but when playing Dune from an Ultra HD Blu-ray in Dolby Atmos, there was no perceptible difference whether the AI mode was on or off.
Operating system and usability: 8/10
The Panasonic Z95A incorporates Fire OS, the same operating system used by Amazon's TVs, like the Fire TV Omni Mini-LED and the Fire TV Stick streaming devices. This gives access to a full range of streaming services, with great performance from each of those apps. The advantage of a system like this is that apps are kept up to date and it hooks into Amazon's Alexa ecosystem to make this TV smarter.
This TV also offers hands-free Alexa voice control, in addition to the Alexa button on the remote. Alexa can be used for content searching or to access other services through Alexa and the performance is great. That also means you can use it to control smart home devices that you've set up with Alexa, such as heating and lighting.
Fire OS divides opinion, however, as some don't like that Amazon's content gets a high billing, with both adverts and sponsored content on the home page. You can turn off the auto-play of adverts, which does help lessen their impact on your daily use, but you will occasionally run into an advert for toothpaste or a car.
The remote is fairly large and littered with buttons which it seems to have rolled over from Panasonic's previous TV range. That means that some buttons might not function at times – the menu button, for example, doesn't open the menu in Fire OS, it just makes a clicking noise. I also wish that it had button backlighting to make it feel a little more premium.
This TV also comes equipped with Freely. This is a recent service that offers access to the UK's broadcast TV channels without an aerial. This service is still in its infancy and means you can position the TV wherever you like, as long as there's Wi-Fi access to stream your TV content. Freely is slow, however, with navigation taking longer than you might expect. I tested this alongside the Amazon Fire TV Omni Mini-LED and found that the Panasonic was a couple of seconds slower to change channels, which is unusual for a premium TV. This may be fixed with a future software update.
Gaming and peripherals: 9/10
The gaming experience on the Panasonic Z95A is great. I connected it to the Xbox Series X to play Forza Horizon and both the sound and Dolby Vision visuals added to a fun experience. There's 120Hz support for console gamers, as well as 144Hz for PC, along with VRR (Variable Refresh Rate) and ALLM (Auto Low Latency Mode), AMD Freesync Premium and Nvidia G-Sync.
To get the best out of your gaming session, there's a True Game mode to optimise various settings for your TV. This reduces input lag and focuses on delivering stutter-free gameplay. There's a useful Game Bar (which I assigned to the shortcut on the remote), which lets you glance at the main settings, allowing you to quickly tweak to optimise your experience.
There are two HDMI 2.1 ports to support these advanced features, one of which also carries the eARC, should you consider connecting to another sound system. There are two further HDMI 2.0 ports, which is a bit of an oddity considering some TVs at this level are all HDMI 2.1.
Technical specifications
I've mentioned a couple of times that the Panasonic Z95A uses the same panel as the LG G4 and both are top-end OLED televisions. They're natural rivals, too (along with the Philips OLED909 or OLED959). So let's look at how the Panasonic Z95A compares to the LG G4 on the spec sheet.
Telegraph verdict: 10/10
The Panasonic Z95A is an exceptional television, offering a premium viewing and sound experience, making it one of the best all-in-one solutions. The picture performance is especially impressive, providing a near-unbeatable level of immersion, with upscaling of lower-quality content so everything you watch looks great.
The built-in sound system delivers performance that's a step above most rival televisions at this level and while it offers great quality audio, it might be a barrier for those who want to use this TV as part of an existing home cinema system. The Fire OS gives a smooth connected experience, but can occasionally serve adverts and gives Amazon a high billing, which might turn some buyers off. Overall, however, it's a terrific television.
FAQs
What are the main Panasonic Z95A features?
The Panasonic Z95A features an advanced OLED display, offering 4K HDR and a built-in soundbar with Dolby Atmos. The TV uses the Fire TV platform, so is well-connected with apps and offers Alexa support.
What sizes are available for the Panasonic Z95A OLED TV?
The Z95A is only available in 55- and 65-inch sizes. There is a 77-inch model, but it's known as the Z93A.
Does the Panasonic Z95A support Dolby Vision and HDR10+?
The Panasonic Z95A supports all the latest formats for HDR, including Dolby Vision and HDR10+. It also supports HDR10 and HLG formats.
Is the Panasonic Z95A OLED TV suitable for gaming?
The Panasonic Z95A is a solid choice for gamers, with refresh rates up to 144Hz, a dedicated Game Mode, low input lag, VRR and ALLM, as well as Nvidia G-Sync and AMD Freesync Premium support.
What is the audio quality of the Panasonic Z95A OLED?
The Panasonic Z95A offers excellent sound quality thanks to the 5.1.2 sound system, which features a built-in soundbar, with height and width speakers built into the TV to make the audio more immersive. It also supports Dolby Atmos out of the box.

Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

MPs using AI to polish speeches and prepare for PMQs
MPs using AI to polish speeches and prepare for PMQs

Telegraph

time3 days ago

  • Telegraph

MPs using AI to polish speeches and prepare for PMQs

Politicians of all stripes have often been accused of sounding robotic as they seek to toe the party line. Now that claim might be taken literally, as MPs team up with machines to upgrade their parliamentary potential. The Telegraph has found that MPs across the political spectrum are expensing artificial intelligence (AI) tools to help with tasks like polishing speeches and grilling the Prime Minister. At least three are claiming for ChatGPT subscriptions, while others use AI-powered writing aids and video editing software. It is a sign that the centuries-old job is undergoing another revolution. Politicians are increasingly turning to the cutting-edge technology to boost their abilities as ministers scramble to balance innovation with regulation. An analysis of parliamentary expenses by The Telegraph has found at least 19 MPs have charged the taxpayer for AI tools, or programmes that have AI features. Sir Keir Starmer has actively encouraged the use of AI in Whitehall, saying he is determined to seize the 'golden opportunity' it offers. The Government has said it is throwing its full weight behind the industry to make Britain a world leader. However, there are concerns over the rapidly developing technology's transparency and reliability, as well as the potential for systems to 'go rogue'. Earlier in May, Labour was forced to row back on plans to force companies to opt out if they don't want their content used to train AI systems. The proposals had sparked anger from artists, musicians and filmmakers, who said it amounted to having their work stolen to feed AI models that could eventually replace them. Sir David Davis, the former Cabinet minister, is one of three MPs putting ChatGPT on expenses. The popular AI chatbot answers questions and solves problems by drawing upon a vast wealth of knowledge. The Tory MP, who describes himself as 'Mr Privacy', insisted he never uses the technology to engage with constituents or handle their data. But he said it is a huge asset for his policy work, getting taxpayers 'the value of maybe 10 members of staff from three'. On one occasion, he used the tool to prepare to quiz Sir Keir at Prime Minister's Questions, conducting masses of research far more quickly than any human could. By answering streams of queries in mere minutes that would normally take staff days to complete, he said the chatbot helped him to reduce the burden on his team and craft the most pertinent question possible. 'Half an hour's work on the AI' He said he 'wouldn't even have asked that question' if he had needed to get his staffers to do all the work, as it couldn't feasibly have been completed in time. However, he stressed the information still needed to be manually filtered and fact-checked. 'So it's about half an hour's work on the AI and probably about another half an hour's work checking it,' he said. He also insisted that ChatGPT could not replace his team as it lacked the 'human insight and wisdom' required to ask the right question. 'I'm pretty lucky. I've had a very, very good staff down the years,' he said. 'But they're human. They can't just sit down and read seven and a half million words in half an hour… So it's basically a force multiplier on them.' Sir David has used AI tools to help conduct research on the Lucy Letby case, which he has been campaigning on, and take notes from in-house meetings. He even attempted to get some AI writing aids to replicate his speaking mannerisms but found they couldn't quite match his style. Another MP to expense ChatGPT is Steff Aquarone, the new Lib Dem MP for North Norfolk. He also claims for an unspecified product from OpenAI, the creator of ChatGPT, and Otter, an AI transcription software. Writing tool can proofread His office said the AI tools were predominantly used for accessibility purposes by one of his staff members, who has a condition affecting his speech and coordination. Brendan O'Hara, the SNP MP for Argyll, Bute and South Lochaber, also expenses ChatGPT on a monthly basis. However, he said he hadn't found it as useful as hoped. He told The Telegraph: 'We signed up to ChatGPT a couple of years ago when it first emerged, hoping that it could assist the office staff in their day-to-day operations. 'We have since discovered that it didn't do what we thought it might, and we really haven't used it very much since. We will probably look at it again before reviewing our £20-a-month subscription.' Amanda Hack, a Labour MP, and Paul Kohler, a Lib Dem MP, have both expensed Grammarly, an AI writing aid which can proofread and rewrite passages of text, as well as help the user 'strike the right tone'. Neither responded to questions about what they use it for. At least 11 MPs, including Darren Jones, Chief Secretary to the Treasury, have claimed for Veed, an AI video editor which promises to make content more engaging. Two MPs who use programmes with AI capabilities told The Telegraph that they do not make use of those features specifically. The revelations show how AI use is becoming increasingly normalised in Westminster. It emerged earlier tin 2025 that Peter Kyle, Science Secretary, has used ChatGPT to come up with policy advice. He had previously said he used the chatbot to learn on the job, telling Politics Home it can be a 'very good tutor' when 'there are things that you really struggle to understand in depth'. The Telegraph went on to reveal that five government departments had used AI to answer questions in Parliament, with Labour ministers accused of providing 'stock answers generated by a computer'. Civil servants have also been told to abide by the mantra that 'no person's substantive time should be spent on a task where digital or AI can do it better, quicker and to the same high quality and standard'.

Samsung S95F review: The best OLED TV for bright rooms
Samsung S95F review: The best OLED TV for bright rooms

Telegraph

time16-05-2025

  • Telegraph

Samsung S95F review: The best OLED TV for bright rooms

This article contains affiliate links. The products or services listed have been selected independently by journalists after hands-on testing or sourcing expert opinions. We may earn a commission when you click a link, buy a product or subscribe to a service. What is the Samsung S95F? Samsung pushed QLED as the top technology for TVs until it abruptly changed direction in 2022. When it did so, it took everything it had learnt about Quantum Dots – which bring colour and vibrancy to its TVs – and put it into its considerable expertise with OLED panels, with jaw-dropping results. In 2024, Samsung made a bold move with the Samsung S95D, by introducing a glare-free panel. The Samsung S95F – the F indicating that it's a 2025 model – updates its precursor, boosting the display skills further as it vies to be the best OLED TV you can buy. This is a high-end QD-OLED that's designed to compete with the LG G5, to win the hearts of home cinema fans. That anti-gloss display, combined with high brightness, aims to address OLED's biggest drawback, which is peak brightness when compared to Mini-LED TVs. It sits alongside a slightly lesser sibling, the Samsung S90F, which (amongst other things) doesn't offer the One Connect Box, has a lower spec sound system and doesn't have the glare free finish to the screen, but comes in at a slightly lower price. JUMP TO: How we test TVs I tested the Samsung S95F at home over the course of three weeks, using it to watch a full range of content, from regular broadcast TV, to Ultra HD Blu-ray discs. I tested most of the major streaming services, gaming features and hooked-up a range of external devices. I was interested in the design and build quality, how easy the TV was to set up and get started with, as well as how easy it was to change the settings on the fly to tweak the picture. I looked at how Samsung's technology made the TV better and how that came through in the picture and the sound. I tested the connections and how it fitted into a wider ecosystem of Samsung devices to test the extensive feature set that it offers. I also tested it with and without a Samsung soundbar. Why you can trust Telegraph Recommended Our tech experts continuously conduct in-depth, independent, real-world tests, scoring devices against pre-set testing metrics and industry benchmarks, so we can deliver definitive and comprehensive buying advice. Telegraph Recommended reviews are never shared with product manufacturers before publication, we don't accept payment in exchange for positive reviews, nor do we allow brands to pay for placement in our articles. Visit our Who We Are page to learn more. Design and technology Score: 9/10 Samsung has a significant trick up its sleeve when it comes to designing TVs. On its top models it uses the One Connect Box. This is a separate box that handles the power and all the connections for the TV, leaving just one cable to run to the TV itself, which is great for those wall-mounting it. The result is that the TV is just 11mm thick, a real statement design with eight speakers aligned across the rear, which looks great. The central stand makes it look like the TV is floating and you can attach the One Connect Box to this stand if you choose, but otherwise, that One Connect Box can go elsewhere, like in a cupboard. There's no shortage of premium design in that sense: this model looks smarter than the Samsung QN900F, the 8K model that I recently reviewed. The central pedestal stand means that you don't need a huge piece of furniture to accommodate it (if you're not wall-mounting it), although unlike the Panasonic Z95A, it doesn't offer any swivel to adjust the angle once placed on a stand. The bezel around the exterior of the display is minimal, while there are two remotes in the box, as is standard for Samsung. One is an old-fashioned remote with lots of buttons, the other a slimline remote offering solar charging, with just the basic controls. The Samsung S95F features a new processor for 2025, the NQ4 AI Gen3. This is an uptick over the 2024 model, offering more power across the board, including a jump in the AI (artificial intelligence) power available. This AI is used to enhance the picture in real-time, with an AI Mode available as a catch-all enhancement for both picture and sound, and a couple of other features. The Samsung S95F has a 4K QD-OLED display. That means that the colours are boosted by Quantum Dots, while the illumination is coming from organic light emitting diodes. The advantage that OLED offers over LED technologies is that each individual pixel can be turned off, so control of the light is incredibly precise. This is the reason that OLED is famed for delivering absolute blacks and stunning contrast, because it can turn off elements when no light is needed. That means huge dynamic range, expert delivery of dark scenes and when called upon, piercing highlights. The brightness (nits) of the Samsung S95F has increased over the S95D meaning that it's capable of even punchier highlights. This works in tandem with the anti-reflection screen, so watching this television in a room with windows when the sunlight is streaming in, presents no problem. Under strong light the display will look more grey than black, but most glossy-finished rivals would look more like a mirror in such situations. It's also true that some will prefer the conventional glossy finish, especially when viewing in a light controlled room – but in a bright room, the S95F is the master. I watched The Batman – a notoriously dark film – and found that the S95F presented it very nicely, taking full advantage of that amazing contrast. Not only that, but I was watching in HD, so it was upscaled to make those highlights sharper and ensure dark areas didn't just turn into mush. Switching to No Time To Die on Ultra HD Blu-ray, the screen really showed off its skills, rewarding me with rich immersive scenes, dazzling colours and a chance to present adept motion handling. While most motion is expertly handled, I think it's enhanced by switching the picture clarity settings to custom and taking things down a notch. Again, personal preference, but Samsung gives you the power to make these minor adjustments. There's an AI Mode that's designed to enhance the viewing experience. Typically it makes things brighter and for some content that's fine, but in some cases you'll lose a lot of detail. An early evening supper in Andor Season 2 sees the sky brightened and losing all definition with AI Mode on, so if you do use it, be aware you might be missing the bigger picture, literally. There's no support for Dolby Vision as is standard for a Samsung TV, but there's more HDR10+ content appearing all the time (Netflix is now full of it), so you won't feel like you're missing out too much. Purists might find themselves turning to the LG G5 instead (the biggest next-gen OLED rival to the Samsung S95F), but we're talking about two exceptionally capable TVs here. Sound Score: 9/10 The Samsung S95F is equipped with a 70W sound system, with eight visible speakers running across the rear of the TV. Visually, these are a delight, but for many people, their primary task will be to reflect off whatever is behind the TV, namely the wall. They are arranged in a 4.2.2 channel configuration, meaning that you have four channels for the main sound, two for bass and two for height. Aside from the visible speakers on the back of the TV, there are also speakers set in the sides and towards the top of the rear of the TV to add width and height. That all works rather well, with some immersion coming from that configuration as well as successful positioning of sounds on the screen so they appear to come from where you'd expect. There's respectable bass, but when I fired up the wedding party scene in Andor Season 2 (The Harvest), I found myself wishing for a little more oomph. The S95F supports Samsung's Q-Symphony system where it will work in tandem with a connected Samsung soundbar. I tested it with the Samsung Q990F and found it to be a delight – I can't recommend that pairing enough. One interesting feature is the option to have 'standard sound' or 'amplify'. Amplify clearly sounds richer, so it's hard to see why 'standard' even remains an option. As a TV without a pronounced soundbar it's rather good, but for any home cinema fan, adding a more comprehensive sound system would be advised. Operating system The Samsung S95F runs Tizen OS, which is Samsung's TV operating system. Like other parts of the Samsung ecosystem, it's backed by 7-years of software updates, which beats LG's commitment by 2 years. Tizen is all encompassing and absolutely loaded with features, but there's a couple of things it could do better. I found that opening the Disney+ app was always slow and I also don't think the UI handles recommendations and resumption very well. As you scroll down the page there are many rows of content, but it's not what you've been watching, it's just stuff. There's a 'now playing' window which potentially hooks you back in, but more often than not I'd be navigating to the app to continue watching. Sometimes the interface gets a little confused too: if you've been watching something in HDR, it's nice and bright, but when you scroll off the 'now playing' window, it will drop back to SDR, which is a little jarring. I wish it would just be consistent. I also found it would occasionally switch to my Blu-ray player and play the disc, often when I'd just finished watching something else, which feels a little like a bug. The streaming apps work well enough however and although the best streaming devices also offer great performance, native apps tend to handle things like frame rate matching better from the TV directly. Setting up the software side of the TV is a breeze thanks to the SmartThings app. If you're a Samsung phone user this will be familiar, but it makes it really easy to sign in and get connected, without using an on-screen keyboard. You can also then control the TV and tweak the settings from your phone if you want to. Access to Alexa (or Bixby, but that's not worth using) is on board too, although the Alexa experience isn't as comprehensive as it is on an Amazon Fire TV. Gaming Score: 9/10 Samsung is serious about gaming and having a huge OLED display to do it on is a pleasure. There are four HDMI 2.1 connections, meaning you have support for 4K 120Hz gaming from the latest consoles, while it offers features like low latency mode and variable refresh rate to support PC gamers too, who can also benefit from 4K 165Hz support for super-smooth action. Samsung's Game Mode can automatically turn on when you power up your console with low lag input so you feel like you're part of the action and not a fraction behind. This is all supported by a Game Bar, which you can pop-up to make tweaks on the fly, as well as checking that you're getting the settings you expect. This also supports the Game Hub, which is well specified, offering access to the Xbox app (for console-free gaming), as well as services like Nvidia GeForce Now and Amazon's Luna. The Game Mode screen settings are a little overwrought, but once I started playing, I found myself addicted to its rich and vibrant visuals. Technical specifications The closest practical rival to the Samsung S95F is the LG G5, the company's 2025 flagship models and one of the best 4K TVs you can buy. Samsung and LG go head-to-head offering two different approaches to OLED, with Samsung choosing QD-OLED and LG using what's called W-OLED. LG's evolution in 2025 is to stack the OLED panels for increased brightness, in what's called a Primary RGB Tandem OLED display. Should you buy the Samsung S95F? The Samsung S95F is a flagship television by any measure. It offers a premium design and build, a connected and fully-featured user experience and sound that's better than many TVs. But it's the picture quality – especially when using it in brighter conditions – that really comes through. The anti-glare display is unique and while it might divide opinion, it doesn't take away from the great performance you'll get. It's an expensive TV and there are some areas of the user experience that could be better, like updating the home screen experience with integration into streaming services for better resumption. Yes, if: No, if: Samsung S95F FAQs What are the main improvements in the Samsung S95F compared to the previous S95D model? The Samsung S95F offers a brighter display than the S95D so it can deliver better highlights in HDR. The new glare-free screen is designed to maintain colour better in bright conditions. It also increases the frame rate support to 165Hz over 144Hz of the previous model. There's been a slight change to the user interface too, with the introduction of an AI Mode designed to boost the appearance of content and the redesign of how the settings are displayed on-screen. How bright is the Samsung S95F's QD-OLED panel? Samsung has said that the S95F is its brightest TV ever, brighter than the S95D from 2024. Samsung told me that the peak brightness of the S95F is 2,000 nits. Is the price of the Samsung S95F in line with other high-end 4K TVs? Yes, the Samsung S95F sits in the same ballpark as other premium 4K OLED TVs. It's priced close to the LG G5. If you're budget is incredibly tight, then finding a TV for under £500 might be better for you. Does the S95F come with the One Connect Box? Yes it does. The One Connect Box is separated from the screen itself, which allows for great flexibility when installing. This option is only available on Samsung's top TV models, with those screens lower down the price ladder losing this particular feature – like the S90F for example.

The best budgeting apps in the UK
The best budgeting apps in the UK

Telegraph

time13-05-2025

  • Telegraph

The best budgeting apps in the UK

Once upon a time managing a budget and working out how much you can afford to save involved spreadsheets, spending diaries and filling out stubs in your chequebook. In 2025, you can do much of it on your phone, with a good a budgeting app automating much of the process. The best budgeting apps can help you keep track of your spending, get a better view of your overall financial picture and can even automate your saving based on how much you can feasibly afford. You may also be able to get nudges when a bill is due, or an alert if you've busted your budget. However, there's no 'best overall' budgeting app – the right one for you will depend on what you want to achieve and where you need support. Here, Telegraph Money reviews some of the best budgeting apps out there. The best budgeting apps Methodology To create our list of best budgeting apps for 2025 we have analysed a range of reviews and ratings from sources including Which?, Finder and Forbes Advisor, bringing these together to compile a list of great options listed in alphabetical order. Emma Good for: Overall budget and savings support The Emma app can link all of your bank accounts as well as pensions, investment accounts and crypto holdings (if your providers are compatible) to help you get an overall view of your finances, which is helpful when it comes to budgeting. Where some apps' focus is auto-saving, Emma is about helping you budget better. In addition to sophisticated spending tracking, it will highlight areas where you are overspending or suggest subscriptions you might want to cancel. You can also tell it how much you want to spend in certain categories and get notifications if you go over your budget. If you rent your home, you can set up rent reporting where credit referencing agencies are notified of your payments to help boost your credit score. Emma can tell you how much money you should be saving and can automate payments into designated pots, with access to savings and investment plans. A free version of the app is available, but it only offers limited budgeting tools and links to two accounts. To link more accounts and for access to enhanced budgeting and tracking tools, better savings rates, cashback and rent reporting, you'll need to pay a monthly subscription. Fees range between £3.49 and £10.49 depending on the number of accounts you want to link and the level of functionality you need. Forbes Advisor rates Emma as five star, while Finder gives it four out of five stars. HyperJar Good for: Simple budgeting support that doesn't require sharing financial data HyperJar is a free money management app, but unlike the apps mentioned so far this one doesn't link with your bank accounts. Instead, it offers a prepaid Mastercard spending card that you load money on to. As HyperJar is not a bank, this money is safeguarded in an account governed by e-money regulations set out by the Financial Conduct Authority (FCA). You can set up different pots – or 'jars' – on your app for certain expenses, such as socialising, food shopping or bills. When you make a payment on your card, the money is then taken from the appropriate pot, helping you manage your budget better. You can also share jars, making it easier to split bills on nights out or holidays, for example, so long as you all have the app. However, as Which? analysis points out, one drawback is that you can't use your prepaid card to make cash withdrawals at ATMs. Plum Good for: Saving and investing without requiring any willpower This app links to your bank account and employs what it calls the 'Plum brain' to monitor your spending and work out how much you can afford to save each week (according to parameters you set), before squirrelling the money away on your behalf. You can also set extra auto-savers, including the 'naughty rule' – which deducts money when you spend in specified shops (if you're trying to quell a clothes shopping habit, for example) – a rounding up feature (this rounds every purchase up to the nearest £1 and saves the change), and a 'rainy day' setting which tops up your savings whenever it rains where you live. Money can be paid into a savings account or cash Isa with the free version of the app, but from £2.99 a month you can get access to investments including stocks and shares and managed funds (including stocks and shares Isa and a Sipp). There's also a savings 'splitter' feature, which lets you allocate your money into dedicated pots, helping you reach specific savings goals. Both the free and paid-for versions offer a spending tracker, which breaks down your total spending into key areas to help you identify where your money is going. The app has also been rated as five-star by Forbes Advisor. Snoop Good for: Money saving and general budgeting There are no prizes for guessing how this app got its name. It once again links to your bank accounts and credit cards and monitors your spending to highlight areas where savings can be made, while also assessing your bills so it can offer you reminders of when they're coming up, and to let you know if there are cheaper providers you could switch to. According to Snoop, it helps the average customer save £1,500 a year. The app can also help you set a budget for every area of your spending, and lets you check your credit record. Savings aren't automated, but Snoop does offer access to linked savings accounts. You can choose between a free version of Snoop, or pay £4.99 a month for Snoop Plus to get the full range of features, which include month-by-month spending tracking, bill tracking and unlimited customised spending reports. Worth a mention One of the most recent apps to enter the fray is the fee-free Marygold & Co, which launched in March this year. It lets you view all your accounts in one place and move money between them within the app. It then uses personalised 'nudges' to encourage you to save more, either in your own accounts or a linked one within the app. It can also warn you if you're about to go overdrawn. If you don't want to dip into your savings you can also use the 'piggy bank' feature to hide some pots from view. However, while Marygold & Co can help you manage your money, it doesn't include spending analysis or help with budgeting. Despite the fact the app is still very new and doesn't have a track record yet, Forbes Advisor has given Marygold & Co 4.5 stars. Good for: Those that need a bit of a nudge to save What about Moneyhub? You might have heard about Moneyhub – another budgeting app that links up to your bank account as well as your credit cards, investments, mortgages and pensions. However, in March this year, the fintech announced that it is no longer taking on any new users and will close fully in August 2026. How do budgeting apps work? All of the apps we've mentioned, excepting HyperJar, use open banking technology to let them view the bank accounts you give them access to. They can then use this information to analyse your spending and help you budget by presenting it in an easy-to-understand way. Apps that offer auto-saving will also be able to move between your bank accounts and the accounts on the app (according to parameters that you set). Open banking is heavily regulated – providers will need to be registered with the Financial Conduct Authority, comply with data protection legislation and won't be able to do anything without your permission. What to look for in a budgeting app We've not ranked our best budgeting apps, as what works best for you will depend on how you want to use the app. Here are few things to think about before making your choice: How much insight you want into your spending. How much support you need setting a budget. Whether you want money-saving help. Whether you want access to auto-saving (where apps use algorithms to work out how much money you can afford to save and move money into a savings account on your behalf). What savings and investment options you want access to through the app. It's also important to look at: Subscription charges: Most apps offer a free version, but charge a fee for enhanced features. Make sure you will make the most of them before you sign up for a subscription. Interest rates: Always check the return you'll get on your app-based savings accounts, as they may not be the highest on the market. If rates aren't as high as they are elsewhere, you can always take advantage of auto-saving and regularly sweep money into a more competitive account. Check our best easy access savings accounts tables to see the top accounts, updated daily. Investment charges: If you are using an app to invest in the stock market, it's important to check charges. While it's a convenient way to invest, depending on the amounts you are putting away, it may not be the most cost-effective. However, you could still use an app to help you save and then sweep money into an investment account or pension on a DIY platform for potentially lower charges and a wider choice of investments. Budgeting apps FAQs How much do budgeting apps cost? Most apps will offer a free basic version with limited features. However, to access higher savings rates or enhanced budgeting tools you may need to pay a fee of anything from 99p to £10 or more a month. Fees vary between apps, as well as the services offered at each tier, so always check first and don't sign up for paid for features that you won't use. Are budgeting apps safe? So long as your budgeting app is regulated by the Financial Conduct Authority, your money and financial information should be secure. You can find out if a firm is registered using the FCA register and view approved providers at It's also important to note you do not need to link all your accounts, you may still get a significant benefit just from linking your main current account.

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into the world of global news and events? Download our app today from your preferred app store and start exploring.
app-storeplay-store