£8,400 is sitting in an account paying 0.5%. An easy-access ISA is paying 4.6% right now.
£344a year
The friend who's brilliant with money
Finlay watches your accounts, finds the savings, and lets you know when there's something worth doing.
Download Finlay and join the waitlist in the app. Finlay is letting people in a few at a time. UK only, 18+.
Finlay
Your money assistant
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 🎉
- An app for iPhone and Android
- Read-only open banking via FCA-regulated partners
- Bank-grade encryption, disconnect any time
Money admin, handled in one place
Connect
Link your accounts securely with open banking. It takes about two minutes, and Finlay can only look — never touch.
Chat
Tell Finlay a little about you. Student? NHS? Saving for a flat? The more it knows, the more it finds.
Save
Finlay keeps up with thousands of deals, rates and offers, then lets you know when one's genuinely worth it.
Things Finlay noticed this week
Finlay checks thousands of deals, rates and offers against how you actually spend.
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.
Finlay messages you first
- 1stPayday
Payday 💰, after bills you've got £612 to spend until the 28th. Want me to move £150 into savings?
- 9thTrial ending
Heads up, the meal-kit trial becomes £59.99/mo on Friday. Keep it or cancel?
- 14thTrip coming up
Saw your flights to Lisbon ✈️ Your card charges 2.99% abroad. Here's a fee-free one that would arrive in time.
- 21stFix maturing
Your fixed saver matures next week. Best rate I can find is 4.4%. Want the shortlist?
- 28thMonthly report
Your 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
Soon, Finlay will 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.
Discounts you didn’t know you qualify for
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.
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 unused app+£24.99
- Extra interest in your new ISA+£29.01
Saved this year£1,042
On your side. Always.
- The best deal, even when we earn nothing
- Finlay recommends what's best for you. If a better option earns us nothing, 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.
- Finlay never works out a figure
- Every £ comes from a separate engine built on providers' published terms, checked daily. Each figure is checked again before you see it. Finlay only explains them.
- Look, don't touch
- Open banking access is read-only: Finlay can't move money. It never signs you up for anything without your say-so.
- Yours to switch off
- Disconnect an account or delete everything in a couple of taps, whenever you like.
Questions, answered
Anything else, just ask: hello@meetfinlay.com
Yes. Finlay uses open banking through FCA-regulated partners, the same technology your banking apps use. Access is read-only: Finlay can see transactions but can't move money. You can disconnect at any time.
No, never. You only connect a bank in your bank's own app or website, through an FCA-regulated open banking partner. If a message claiming to be Finlay asks for your login, password or security details, it's a scam: don't reply.
Almost every major UK bank and building society, plus most credit cards, through open banking.
Not quite yet. We're still setting up with our open banking partner, and direct connections switch on once that's done. Until then, add statements from your banking app in a couple of taps: Finlay finds the same savings from them.
We're still working out pricing. The aim is simple: Finlay should save you many times what it costs. The first people in will get founding-member pricing.
Sometimes a provider pays us a referral fee when you switch. Finlay always says so, and still recommends a better option that earns us nothing.
Yes. Finlay never works out a figure. Every number comes from a separate engine and is checked automatically before you see it. Finlay's job is simply to explain them in plain English.
No. Finlay gives guidance: it spots ways to save, perks you qualify for, and bills worth a second look. For regulated advice on things like pensions or investments, it'll point you to a qualified professional.
Download Finlay from Google Play and sign up to join the waitlist. Finlay is letting people in a few at a time, and you'll get a notification and an email when it's your turn.
Let Finlay look after it
Get early access, founding-member pricing, and a head start on the savings.
Download Finlay and join the waitlist in the app. Finlay is letting people in a few at a time. UK only, 18+.