Two minutes of tapping: your cards, your account tier, your job, what's true about you. Nothing is linked and nothing is scraped.
The chips are live. Watch the footer count.
Leads, not pounds. A chip never moves a total.
Add anything later at vault@use8.app.
The vault, with the confidence printed on it
One ledger of everything you're entitled to. Every row says how sure 8 is and when it last knew, so a figure never arrives without its provenance.
Confidence chips describe the figure, never your account.
Balances behind a login are yours to type in, stamped with the date. 8 only asks when a date makes it matter.
Open the wallet for the at-the-till barcodes.
The register is yours, not ours
No database will ever hold the discount you get through your football club, the member rate at your building society, or the code on the noticeboard at work. So you add it, and 8 treats it exactly like everything else.
Type a perk and add it. A real row appears, dated today.
Four ways in: type it, photograph it, forward the email, or name your employer.
Adding and sharing are one gesture. 8 asks straight after.
The money leaks at renewal dates
Credits close, boosts end, cards renew. Those dates are predictable without any bank access, so 8 watches them for you.
8 says where to tap. It never taps for you.
Nothing counts until you confirm it.
Every panel carries a watch-out.
Before you buy, not after
Name the purchase. 8 lays out what each card and perk you hold gives you for it. A comparison, not a recommendation.
Tap a suggestion, then open a card for the detail.
No "best" badge, only the highest total on these numbers.
The stack meter shows what isn't set up.
8 shows, you act, you confirm
What you pay for, cross-checked against what you already get. The second copy of Spotify costs £143.88 a year.
The steps run in order: move the library, then cancel.
"I did this" is a self-report. Watch the total move.
Cancelling a family plan cuts everyone else off.
Sharing that runs on consent, not credentials
Every perk here was switched on deliberately by the person who holds it, and every request can be declined.
Asking sends a request, never a transfer.
Scheme terms decide who counts as household.
Approve Sam's request. Nothing moves but a yes.
Four refusals, each one deliberate
These are decisions, not gaps. They sit on the home screen, not buried in a policy page.
No bank logins, no card credentials, no loyalty passwords, no employer sign-in. Not at launch, not later. It costs us live balances, so you type those in and 8 prints the date it last knew. 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", because that is a lie you would discover on your next statement.
No "get this card", no "cancel this policy", no ranked recommendation of a regulated product. 8 shows what you hold and what its terms say. Where two things overlap it shows both, limits and exclusions side by side, plus the questions to ask. You decide.
No total counted the moment you tap a button. Tell us you used something and we record that you told us, labelled self-reported. Nothing else gets counted, including everything on this page.
A Phase 1 validation prototype: no product, no account, no backend. 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 · 4 need a detail from you
Everything you're entitled to
Cards, tiers, work, loyalty and life in 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
634004 0021 4487 921
Nectar
1,800 points is about £9 · 5× bonus weekend starts Friday
2980 4471 0092 336
Boots Advantage
640 points is about £6.40 · 10% off No7 this week
9806 4412 7731 08
PureGym Plus
Entry PIN · 4 guest passes to share
MEMBER 8841 2276
Cards
Bank tier
Work
Loyalty
Memberships & life
Add a perk
9 entitlements
Anything counts
The odd ones are the valuable ones. No database will ever hold the discount you get through your football club, so you put it in yourself.
Add your ownHowever you got it. Type it, photograph it, forward it, or tell 8 where you work.
8 dates it, gives it a confidence state and treats it like every other entitlement, expiry radar included.
Yours, typed in
Share it with your bubble? They see that it exists and who to ask. Nothing is transferred, and you approve every request.
Offered to your bubble.
Alerts
4 need action
Before it slips away
8 watches expiry dates so nothing lapses without you knowing. Alerts are capped at two a week.
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 is 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, and 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, so check 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, so check who is attached first.
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, so 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: 5 of your 9 entitlements are confirmed and freshly checked, 2 still need a detail from you, 2 you entered over two months ago.
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.