eight
Hello, Aaron
Accumulated this year
£412
Another £262.40 is sitting unclaimed in your vault.

Expiring soon

6 days left
Amex dining credit
£50
This month
Clubcard vouchers · 2× with Reward Partners
£24 → £48
Starts Friday
Nectar 5× points weekend
+£1.24
6 weeks without a missed perk
Ask about your perks from ChatGPT or Claude Connect 8's MCP server and any assistant can check your vault before you buy.
Vault
9 entitlements · £262.40 live

Everything you're
entitled to

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

Tap any row to open the perk — the filter below searches all 9.

Cards

Bank tier

Work

Loyalty

Memberships & life

Are you NHS, emergency services or armed forces?

If you are, a Blue Light Card costs £4.99 for two years and unlocks discounts at 15,000+ retailers — typically £100+/yr if you use it monthly. Eligibility is personal, so only you can claim it.

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
ExpiringNearby nowToday · 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 you're standing near one right now.

2 min walk · Dishoom, King's Cross

✓ Opening the map — enjoy dinner on Amex
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
✓ 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.

✓ Cancellation requested — £95.88/yr back
Heads-upMon

Nectar 5× points weekend starts Friday

Your usual Sainsbury's shop (~£62/wk) earns 5× points Friday to Sunday — worth about £1.24 extra if you shop Saturday instead of Thursday.

✓ Saturday shop in your calendar — 5× points
CollectedLast week

You used your Monzo cinema tickets — £22 collected

Nice one. That took 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.

£120/yr

cut from your annual spend so far — with £359.64 more ready to claim below.

UK consumers waste £1.6bn a year on unwanted subscriptions — 8 has found £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. 8 can move your 34 playlists and 1,208 liked songs across automatically.

£143.88SAVED / 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: its LoungeKey passes only trigger on flights delayed over an hour (you had none), travel insurance is duplicated by Monzo Max, and your FX spend (£240/yr) fits Revolut's free tier limit.

£119.88SAVED / 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 — the first entry in your waste-removed total, which now stands at £120/yr, and it's already inside “Value used” on your home ledger.

Bubble
4 people

Your bubble

4 people · £398 a year unlocked between you.

Toggle what you share below — asking to use theirs sends a nudge, never a demand.

Mum
Dad
Ella
Sam
£212
you unlock for them, a year
£186
they unlock for you, a year

Open to you right now

Up to £442 of one-off value below, plus £180/yr from household setup. None of it counts in the totals above until you actually use it.

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
Household

Set up your household properly

BA Household Account · Clubcard second cardholder · Amex supplementary

+£180EST. / YEAR

Your bubble sees only the perks you choose to share — never balances, transactions or anything else financial.