Cards, tiers, work, loyalty and life — one ledger.
Tap any row to open the perk — the filter below searches all 23.
No matches — try “Amex”, “gym” or “rail”.
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
5 need action
Before it slips away
8 watches expiry dates and your spending so you don't have to.
Tap an action to resolve it — your score updates live.
BubbleToday · 11:04
Ella's lounge passes cover your Lisbon flight Friday
You're booked out of Gatwick Friday morning. Ella's Amex includes 2 unused guest lounge passes — ask her before you pay £35 at the door.
£35 saved
✓ Request sent — Ella will get a nudge in her 8
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
Try a suggestion below, or type any purchase you're weighing up.
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.
Each card shows what you pay vs what you already have — one tap to fix.
£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.
Bubble
4 people
Your bubble
4 people · £212 unlocked for each other this year.
Toggle what you share below — asking to use theirs sends a nudge, never a demand.
MMum
DDad
EElla
SSam
£212
you've unlocked for the bubble
£186
they've unlocked for you
Via your bubble
DDad · John Lewis
25% staff discount extends to household members
Household sharing permitted under partner discount terms
≈ £340ON A SOFA
EElla · Amex Platinum
2 guest lounge passes, unused this year
Guests must enter with the cardholder — travel together
£702 × £35 ENTRY
MMum · Tastecard
2-for-1 cinema tickets, guest allowed
Guest sharing permitted — book under her membership
£12PER VISIT
SSam · O2 Priority
Spare presale gig tickets most weeks
Transferable — Sam books, you pay face value
£20+VS RESALE PRICES
You're sharing
GYPureGym Plus — 4 guest passesGuest visits permitted on Plus · worth £20
TCClubcard voucher pool — £24Vouchers can fund anyone's Railcard or day out
Your bubble sees only the perks you choose to share — never balances, transactions or anything else financial.
Add a perk
Anything you're entitled to belongs in the vault — however you got it.
Invite to your bubble
They'll see only the perks you choose to share — never balances or transactions.