eight
Accumulated this year
£412
Another £268 is sitting unclaimed in your vault.

Expiring soon

6 days left
Amex dining credit
£50
This month
Clubcard vouchers · 2× on Railcards
£24 → £48
12 days left
Nectar bonus points weekend
£9
Q3 offer
Monzo Max cinema tickets ×2
£22
Vault
23 entitlements · £268 live

Everything you're
entitled to

Cards, tiers, work, loyalty and life — one ledger.

Cards

Bank tier

Work

Loyalty

Memberships & life

Are you NHS staff, or is someone in your household?

You may be eligible for a Blue Light Card — typically worth £200+/yr across 15,000 retailers, plus NHS-only rates on phone contracts and gyms.

Alerts
4 need action

Before it slips away

8 watches expiry dates and your spending so you don't have to.

ExpiringToday · 09:12

£50 Amex dining credit expires in 6 days

You've used £0 of your quarterly dining credit. 148 participating restaurants near you — including Dishoom, two streets from your office.

✓ Opening the map — enjoy dinner on Amex
BoostYesterday

Clubcard vouchers worth 2× on Railcards this month

Your £24 in vouchers becomes £48 towards renewing your 26–30 Railcard — which saved you £62 on trains last year.

£24 → £48
✓ Voucher swap started in Clubcard
OverlapTue

You're paying £7.99/mo for insurance you already have

Your Monzo Max account includes mobile phone insurance — but a £7.99/mo standalone policy left your account on the 3rd. Cancelling saves £95.88/yr with no loss of cover.

Heads-upMon

Nectar bonus points weekend starts Friday

Your usual Sainsbury's shop (~£62/wk) would earn 5× points — worth about £9 extra if you shop Saturday instead of Thursday.

CollectedLast week

You used your Monzo cinema tickets — £22 collected

Nice one. That takes your 8 score to £412 for the year.

Ask 8
Knows your whole vault
Tell me what you're about to buy or book, and I'll work out the smartest way to pay — cards, protections, portals, codes, the lot.
Savings
3 wins found

Waste, removed

What you pay for, cross-checked against what you already get.

£263/yr

cut from your annual spend so far — with £358 more ready to claim below.

Redundancy

You pay for Spotify — but Apple Music is free in your phone plan

You pay
Spotify Premium
£11.99/mo
You already have
Apple Music · EE plan
£0/mo

Same catalogue, lossless included. 8 can move your 34 playlists and 1,208 liked songs across automatically.

£143SAVED / YEAR
✓ Switching — playlists on the move
Tier arbitrage

Revolut Premium isn't earning its keep

You pay
Revolut Premium
£9.99/mo
Covers you already
Monzo Max
in your vault

Based on your last 12 months: lounge access used 0 times, travel insurance duplicated by Monzo Max, and your FX spend (£240/yr) fits Revolut's free tier limit.

£120SAVED / YEAR
✓ Downgrade requested
Overlap

Phone insurance you're paying twice for

You pay
Standalone phone insurance
£7.99/mo
You already have
Monzo Max · phone cover
£0/mo

Your Monzo Max packaged account already covers your phone for theft, loss and damage. Cancelling the standalone policy loses no cover.

£95.88SAVED / YEAR
✓ Cancellation requested
Removed in March

Duplicate breakdown cover — £120/yr

Your Barclaycard packaged extras already included RAC cover. Cancelled with your OK; that £120 is in your 8 score.