Seven stages, seven real screens.This is the whole product.
8 is a register of the discounts, benefits and credits already attached to your life — your cards, your bank tier, your job, your memberships, your phone plan. Below is every step of using it, in order, with the actual screens. Tap anything: the buttons work.
No bank login. No password. No account linking, ever. Every figure on this page is one Aaron told 8 about, or one 8 read off published terms. Nothing was pulled from an account, because 8 has no access to any.
1 Build your register
You tell 8 what you hold
Two minutes of tapping. Pick your cards, your account tier, where you shop, who you work for and what's true about you — and 8 turns that into a list of things worth checking. Nothing is linked and nothing is scraped.
Later you can add anything else the same way: type it in, snap a staff card, or forward the perks email to vault@use8.app.
Tap the chips — they're live. Watch the footer count, then hit Continue to walk all five steps.
Leads, not pounds. The last step says "things worth checking", never a total. A chip can't move a number.
The note at the bottom is the whole promise: no linking, no credentials, no logins.
2 What you hold
The vault, with the confidence printed on it
One ledger of everything you're entitled to — cards, bank tier, work, loyalty and life. £262.40 available right now across nine entitlements, and every row says how sure 8 is and when it last knew.
The wallet sits on top for the till: Clubcard, Nectar, Boots and gym barcodes, ready to scan.
Confidence chip — says how sure we are. "Confirmed · checked 3 days ago" is a claim about the figure's source, never about your account.
"Likely — depends on your Canopy band" is 8 refusing to guess. Two rows still need a detail from you, and the header says so.
Open the wallet — the at-the-till barcodes read from the same state as the rows above, so a card can never go stale.
3 Expiry radar
The money leaks at renewal dates
Quarterly credits close, voucher boosts end, cards renew. Those dates are predictable without any bank access — so 8 watches them and tells you before something lapses. What you do about it is up to you.
Alerts are capped at two a week. Anything that made it here cleared a value floor to get in.
Open a how-to panel — 8 tells you where the screen is and what to tap. It doesn't tap it.
Nothing counts until you confirm it. "I used it" is a self-report; the counter at the top only moves because you said so.
Every panel carries a watch-out — the thing that goes wrong if you do it in the wrong order.
4 Ask 8
Before you buy, not after
Name the purchase and 8 lays out what each card and perk you already hold gives you for it — rewards, protections, portals, codes. It's a comparison, not a recommendation.
On a £2,000 MacBook: Amex Gold comes to about £131 itemised; the Barclaycard is £95 behind on the numbers but is the only one carrying Section 75. Which of those you want is your call.
Tap the first suggestion to play the answer, then open a card to see the itemised rows.
"These are published terms, not financial advice" — that note sits under every comparison. There is no "best" badge, only "highest total on these numbers".
The stack meter shows what exists on this purchase and what isn't set up — including an affiliate link, labelled so you can ignore it.
5 Paying twice
8 shows, you act, you confirm
What you pay for, cross-checked against what you already get. You're paying £11.99/mo for Spotify while Apple Music sits unswitched-on in your EE plan — £143.88 a year for the second copy.
8 opens the steps and the watch-out. You do the switching. Then you tell it, and only then does the confirmed total move.
"Show me how to switch" opens the real order of operations — move the library first, cancel second.
"I did this" is a self-report. Watch £120/yr become £263.88/yr and the overlaps counter drop. Nothing moved until you pressed it.
The watch-out is the point: cancelling a family plan cuts off everyone else on it. 8 says that before you act, not after.
6 Your bubble
Sharing that runs on consent, not credentials
Dad's John Lewis staff discount reaches his household. Ella has two unused guest lounge passes. Sam wants one of your gym passes on Saturday. Each one was switched on deliberately by the person who holds it, and each request can be declined.
8 never passes a credential, a card number or an account between people. You see what exists and who to ask; the two of you sort out the rest.
Per-perk consent. Turning a perk off hides it immediately — and asking always sends a request, never a transfer.
Scheme terms decide who counts as household, not 8. The terms line on each card is the scheme's clause, printed as-is.
Approve Sam's request — nothing moves but a yes. You still sign him in at the desk on the day.
7 What 8 never does
Four refusals, and why each one is deliberate
Each of these is a decision, not a gap. They're the reason a register can be trusted with the knowing — and they're printed on the home screen, not buried in a policy page.
No bank logins, no card credentials, no loyalty passwords, no employer portal sign-in. Not at launch and not later. It costs us live balances — so you type those in, and 8 shows "as of 12 March" next to the figure. Honest and slightly stale beats invented and fresh.
8 will tell you six card offers expire on Friday and open the right screen in the right app. You tap. There is no "✓ cancellation requested" — that's a lie you'd discover on your next statement, and automated activation is exactly the pattern getting people's cards frozen elsewhere.
No "get this card", no "cancel this policy", no ranked recommendation of a regulated product. 8 shows what you already hold, what its terms actually say, and general facts of UK consumer law that apply to everyone. Where two things overlap, it shows both — limits, excesses and exclusions side by side — plus the questions to ask. You decide.
No self-attested "£412 accumulated" counted at the moment you tapped a button. If you tell us you used something, we record that you told us, label it self-reported and show the count next to it. Nothing else gets counted — including everything on this page, which is an estimate and says so.
This is a Phase 1 validation prototype. There is no product, no account and no backend — every figure you've just read belongs to one made-up person called Aaron, and no data leaves your browser.
eight
Welcome
See everything you're entitled to.
Cards
Bank & account tier
Where you shop
Who you work for
Life status
Vault
9 entitlements · 2 need a detail from you
Everything you're entitled to
Cards, tiers, work, loyalty and life — one ledger, nothing linked. £262.40 available right now.
Scan at the till — swipe between cards.
Tesco Clubcard
£24 in vouchers · worth £48 with Reward Partners this month
8 watches expiry dates so nothing lapses without you knowing. What you do about it is up to you — and we cap alerts at two a week, so anything here cleared a value floor to get in.
ExpiringToday · 09:12
£50 Amex dining credit expires in 6 days
You've used £0 of your quarterly dining credit. 148 participating restaurants take it, and the quarter closes in six days.
Where it works
148 places take it — Dishoom King's Cross, Padella, Bar Douro and 145 more within 3 miles of you.
Enrol first. Amex app → Benefits → Dining Credit → Enrol. It's not automatic on every card.
Pay with the Gold card and the credit lands on your statement within 5 working days.
The credit is quarterly and doesn't roll over — whatever's unused when the quarter closes in 6 days is simply gone.
Only you can tell us — 8 can't see your statement.
✓ You told us you used it — £50 moved to confirmed used
BoostYesterday
Clubcard vouchers double with Reward Partners this month
Your £24 in vouchers is worth £48 with Tesco Reward Partners, and the boost ends this month. £30 of that covers your 26–30 Railcard when it expires next March — the rest is yours to spend.
£24 → £48
How the swap works
Tesco app or clubcard.tesco.com → Vouchers → Reward Partners.
Pick the partner first, then the voucher amount — the double-up only applies at the point you convert.
Railcard is a Reward Partner, so £15 of vouchers covers the £30 renewal next March.
Converted vouchers can't be converted back, and partner codes have their own expiry — check it before you swap the lot.
8 has no access to your Clubcard account — you tell us when it's done.
✓ You told us you swapped them — £48 moved to confirmed used
OverlapTue
You're paying £7.99/mo for insurance you already have
Your Monzo Max account includes mobile phone insurance — but you told us you also pay £7.99/mo for a standalone policy. If you cancelled it you'd keep the cover and stop paying £95.88/yr.
Ask 8
Reads your vault, never your bank
Tell me what you're about to buy or book, and I'll lay out what each card and perk you already hold gives you for it — rewards, protections, portals, codes. You pick.
Savings
3 overlaps found
Paying twice
What you pay for, cross-checked against what you already get.
£120/yr
you've told us you've cut so far — with £359.64 more sitting in the overlaps below.
UK consumers waste £1.6bn a year on unwanted subscriptions — 8 can see £359.64/yr of yours still running.
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. You logged the EE plan in January and Spotify before that, so on your own record you've been holding both since.
£143.88PER YEAR IF YOU SWITCH
✓ You told us you switched — £143.88/yr counted
What to check, and where
Confirm the EE benefit is live — EE app → Add-ons → Apple Music. If it says "6 months free", check when it reverts to paid.
Move the library first, cancel second. Apple's own transfer tool (music.apple.com → Transfer Music) moves playlists and liked songs; it takes about ten minutes and runs in the background.
Cancel Spotify at spotify.com → Account → Subscription. You keep Premium until the end of the paid month.
If you're on a Spotify family plan, cancelling cuts off everyone else on it — check who's attached before you do anything.
Only you can confirm it — 8 doesn't touch either account.
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 — so on the face of it the standalone policy is buying you nothing.
£95.88PER YEAR IF YOU CANCEL
✓ You told us you cancelled — £95.88/yr counted
Before you cancel anything
Check your Monzo Max policy excess — Monzo app → Max → Phone insurance → Policy documents. If it's materially higher than the standalone one, that gap is the real cost of cancelling.
Check the handset value cap and whether your phone is registered. Packaged cover usually caps by handset price and needs the IMEI on file.
If you decide to cancel, the order matters — contact the standalone insurer in writing and keep the confirmation, and only then cancel the direct debit. Never the other way round.
Packaged cover normally lapses the day you close or downgrade the Monzo account. If Max ever goes, the phone cover goes with it.
Insurance is personal — 8 shows the overlap, it can't tell you to drop cover.
Bubble
4 people · 1 request
Your bubble
4 people · £398 a year offered between you.
Request · needs youToday · 08:41
Sam asked to use one of your PureGym guest passes
Sam wants to train at the Shoreditch site on Saturday. You've offered your 4 Plus guest passes to the bubble, so he can see they exist — approving tells him yes. Nothing is transferred: you still sign him in at the desk on the day.
Guest visits on PureGym Plus require the member present. Sam isn't household, so household-only schemes wouldn't reach him — this one isn't household-only.
Household · same address
Same address is the line that matters. Staff discounts, second cardholders and Avios pooling are usually household-only, and each scheme decides for itself who counts as household — 8 shows you the clause, it never asserts that you qualify.
MMumDDad
Friends & family elsewhere
Different address, so household clauses don't reach them. Guest passes, 2-for-1s and transferable tickets usually still work — the terms printed on each perk below say which.
EEllaSSam
£212
you've offered them, a year
£186
they've offered you, a year
You've made 1 entitlement visible to your bubble · none used yet. Counts, not invented totals — the figures above are what's been offered, not what anyone has had.
Offered to you right now
Up to £442 of one-off value below, plus £180/yr from household setup. Each one was switched on by the person who holds it, and none of it counts in the totals above until you use it and say so.
DDad · John Lewis
25% staff discount extends to household members
Household sharing permitted under partner discount terms
Dad switched this on for the bubble · he approves each request
≈ £340ON A SOFA
✓ Asked — Dad sees the request in his 8 and can say no
EElla · Amex Platinum
2 guest lounge passes, unused this year
Guests must enter with the cardholder — travel together
Ella switched this on for the bubble · she books, you go together
£702 × £35 ENTRY
✓ Asked — Ella sees the request in her 8 and decides
Your bubble sees only the perks you switch on — never balances, transactions or anything else financial. 8 never passes credentials, card numbers or account access between people: you see what exists and who to ask, and the two of you sort out the rest.
eight
AM
Hello, Aaron
Available to you right now
£262.40
Sitting in your vault, unused. You've told us you used £412 so far this year.
Coverage: 6 of your 9 entitlements are confirmed and freshly checked, 1 you entered yourself, 2 still need a detail from you.
Available to you nowAcross 9 entitlements 8 can see in your vault£262.40
Confirmed used by you31 things you've told us you used · includes costs you cut£412
Recurring costs you've cutYou made the change and confirmed it — counted above too£120/yr
6 weeks without letting something lapse
What 8 doesn't do
No account linking required. Nothing here needs your bank login.
We never activate, cancel, switch or buy anything for you.
We don't give financial advice — we show you the terms and what you hold.
Nothing is shared with your bubble unless you switch it on.
You decide and act — 8 makes sure you know what you've got. Every pound in “confirmed used” is there because you told us you used it.