£8,400 is sitting in an account paying 0.5%. An easy-access ISA is paying 4.6% right now.
£344a year
Your money assistant, on WhatsApp & iMessage
The friend who's brilliant with money.
Finlay watches your accounts, finds the savings, and messages you when there's something worth doing. Just reply.
Finlay
Usually replies instantly
Message
Example conversation: Finlay: Morning! Spotted something 👀 Your newspaper sub (£29/mo) and phone insurance (£9/mo) are both included in a £17/mo bank account tier. Finlay: Switching would save you £252 a year. Want me to set it up? You: go on then Finlay: On it ✓ I'll cancel the old ones once the new account is live. That's £1,284 saved together so far 🎉
- Lives in WhatsApp, iMessage & email
- Read-only open banking via FCA-regulated partners
- Bank-grade encryption, disconnect any time
How it works
Money admin, handled in a chat.
No new app to learn and no spreadsheets. Finlay lives where you already talk, and does the digging for you.
- 01
Connect
Link your accounts securely with open banking. It takes about two minutes, and Finlay can only look — never touch.
- 02
Chat
Tell Finlay a little about you. Student? NHS? Saving for a flat? The more it knows, the more it finds.
- 03
Save
Finlay keeps up with thousands of deals, rates and offers, then messages you when one's genuinely worth it.
What it finds
Things Finlay noticed this week.
Finlay keeps up with thousands of deals, rates and offers, and checks every one against how you actually spend. Here’s the kind of thing it spots.
Added up
£2,461
in savings, from the examples below*
FinlaySavingsnow FinlayCouncil tax9:41 You live on your own, so you're entitled to a 25% single person discount.
£540a yearFinlayBroadbandYesterday Your contract ended in March, so you've quietly moved onto the out-of-contract price.
£216a yearFinlayTravelTue You spent £1,900 abroad last year on a card that charges 2.99% on every transaction.
£57a yearFinlayEnergy2m ago Your fixed energy tariff ends next month. Stay put and you'll roll onto the standard variable rate.
£120a yearFinlayDelay RepayMon Your train home on Tuesday was 40 minutes late. I've found the claim form for you.
£23one-off
FinlayPhoneTue Your handset was paid off in May, but you're still paying £42 a month. SIM-only would be £10.
£384a yearFinlaySubscriptions2m ago Your newspaper sub and phone insurance are both included in a bank account tier that costs less than the two combined.
£252a yearFinlayTaxMon Your partner earns under the personal allowance. You could claim Marriage Allowance.
£252a yearFinlayFree trialnow That meal-kit trial becomes £59.99 a month on Friday. Want me to cancel it?
£60one-offFinlayBank switch9:41 A bank is paying £175 to switch your current account, and you already meet all the conditions.
£175one-offFinlayCashbackYesterday You spend about £320 a month on groceries. A different card would pay you 1% back on all of it.
£38a year
*Illustrative examples. What Finlay finds for you depends on your accounts and circumstances.
Proactive
It messages you first.
Most money apps wait for you to open them. Finlay taps you on the shoulder at the right moment, then gets out of the way. Reply in plain English, or just ignore it.
- 1stPaydayPayday 🎉 After bills you've got £612 to spend until the 28th. Want me to move £150 into savings?
- 9thTrial endingHeads up, the meal-kit trial becomes £59.99/mo on Friday. Keep it or cancel?
- 14thTrip coming upSaw your flights to Lisbon ✈️ Your card charges 2.99% abroad. Here's a fee-free one you'd have in time.
- 21stFix maturingYour fixed saver matures next week. Best rate I can find is 4.4%. Want the shortlist?
- 28thMonthly reportYour September report is ready: £86 saved this month, £1,042 this year.
Snap it, and forget it
Send Finlay a photo of a receipt, a bill or a letter. It'll track warranties and return windows, and spot when a bill's gone up.
Harrow & Sons Electrical
14 SEP 2026
Wireless headphones£179.00
USB-C cable£12.99
TOTAL£191.99
Got it 🧾 2-year warranty on the headphones, and returns close on 14 Oct. I'll remind you a few days before.
Just say the word
Coming soonWhen you're ready, Finlay can do the boring bit too: cancelling, switching and signing up, always with your OK first.
Cancel my video streaming and move me to that bank tier you mentioned
Sure. Just to confirm: open the new account, move your newspaper sub across, then cancel streaming from the 30th?
yep 👍
All done ✓ Confirmation emails are in your inbox.
Hidden perks
Discounts you didn’t know you qualify for.
Tell Finlay about yourself once. It checks you against student, NHS, forces, carer, pensioner and social-tariff schemes, then flags them at the moment they’re useful.
Perks for students
Finlay flags it when you book a train.
Perk 1 of 3: A third off rail fares, 16–25 Railcard, worth about £180 a year.
Monthly report
A money report you’ll actually open.
One short, friendly email a month: what Finlay found, what you saved, and what’s coming up. Plus a running total of every win so far.
Finlay
Your September with Finlay 🌿
Saved in September
£86
- Switched to SIM-only+£32
- Cancelled an app you'd stopped using+£24.99
- Extra interest in your new ISA+£29.01
Saved this year£1,042
Our promise
On your side. Always.
- The best deal, even when we earn nothing
- Finlay recommends what's best for you. If there's a better option we don't make a penny from, you'll still hear about it first.
- We tell you when we're paid
- Sometimes a provider pays us a referral fee. When that happens, Finlay says so. No small print.
- Look, don't touch
- Open banking access is read-only. Finlay never moves money or signs you up for anything without your say-so.
- Yours to switch off
- Disconnect an account or delete everything with a single message, whenever you like.
FAQ
Questions, answered.
Is it safe to connect my bank?
Yes. Finlay uses open banking through FCA-regulated partners, the same technology your banking apps use. Access is read-only, so Finlay can see transactions but can't move money, and you can disconnect at any time.
Which apps does Finlay work in?
WhatsApp and iMessage at launch, with a monthly report by email. We're looking at Signal and Telegram next.
Which banks are supported?
Almost every major UK bank and building society, plus most credit cards, through open banking.
How much will it cost?
We're still working out pricing. The aim is simple: Finlay should save you many times what it costs. People on the waitlist will get early access and founding-member pricing.
How does Finlay make money?
Sometimes a provider pays us a referral fee when you switch. We always tell you when that's the case, and Finlay will still recommend a better option even if we earn nothing from it.
Is this financial advice?
No. Finlay gives guidance and finds offers you might be missing. For regulated advice on things like pensions or investments, it'll point you to a qualified professional.
When can I start using it?
We're opening Finlay in waves, starting with people on the waitlist. Share your personal link to move up the queue.
Let Finlay look after it.
Join the waitlist for early access, founding-member pricing, and a head start on the savings.