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.
Expiring soon
6 weeks without letting something lapse
Ask about your perks from ChatGPT or ClaudeConnect 8's read-only MCP server and any assistant can check your vault before you buy.
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.
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.
Tap any row to open the perk — the filter below searches all 9.
No matches — try “Amex”, “gym” or “rail”.
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 apply.
Alerts
4 need action
Before it slips away
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.
Tap an action to see the detail — your totals only move when you confirm you did it.
BubbleToday · 11:04
Ella's lounge passes cover your Lisbon flight Friday
You're booked out of Gatwick Friday morning. Ella has told her 8 she's happy to share 2 unused guest lounge passes — worth asking before you pay £35 at the door.
£35 you'd otherwise pay
✓ Asked — Ella sees the request in her 8 and decides
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 a £7.99/mo standalone policy left your account on the 3rd. If you cancelled it you'd keep the cover and stop paying £95.88/yr.
✓ You told us you cancelled it — £95.88/yr counted
Heads-upMon
Nectar 5× points weekend starts Friday
Your usual Sainsbury's shop (~£62/wk) earns 5× points Friday to Sunday — about £1.24 more than the same shop on Thursday.
✓ We'll nudge you Friday — when you shop is your call
ConfirmedLast week
You told us you used your Monzo cinema tickets — £22
Logged. That took your confirmed-used total to £412 for the year.
Ask 8
Reads your vault, never your bank
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 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.
Each card shows what you pay vs what you already have. We show you how — you make the change.
£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. Your EE plan has included Apple Music since you upgraded in January — you've been paying for both for 7 months.
£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.
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.
£119.88PER YEAR IF YOU DROP IT
✓ You told us you downgraded — £119.88/yr counted
Premium vs free, on your usage
FX: free tier gives £1,000/mo fee-free exchange. You averaged £20/mo. Premium's unlimited FX buys you nothing at that level.
Travel insurance: Premium's medical cover duplicates Monzo Max. Check the excess and trip limits on both before you drop either — Monzo's is per-trip capped at 45 days.
Lounges: LoungeKey on Premium only pays out on delays over 1 hour. You had none last year. Compare in Revolut → Plans → Compare.
Downgrading mid-term usually forfeits the rest of the paid period, and any in-progress insurance claim can be voided. Settle claims first.
These are the published terms, not advice — the call is yours.
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.
You cut this in March
Duplicate breakdown cover — £120/yr
Your Barclaycard packaged extras already included RAC cover. You cancelled it and told us — the first entry in your cut-costs total, which now stands at £120/yr, and it's already inside “Confirmed used by you” on your home ledger.
Bubble
4 people
Your bubble
4 people · £398 a year offered between you.
Everything here was offered deliberately by the person who holds it. Asking sends a request they can decline.
MMum
DDad
EElla
SSam
£212
you've offered them, a year
£186
they've offered you, a year
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
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
MMum · Tastecard
2-for-1 cinema tickets, guest allowed
Guest sharing permitted — book under her membership
Mum switched this on for the bubble · she books it, no code changes hands
£12PER VISIT
SSam · O2 Priority
Spare presale gig tickets most weeks
Transferable — Sam books, you pay face value
Sam switched this on for the bubble · he books, you settle up with him
£20+VS RESALE PRICES
8Household
Three household links worth setting up
BA Household Account · Clubcard second cardholder · Amex supplementary
You set each one up with the provider · 8 just keeps the list
+£180EST. / YEAR
You've offered
These are visible to your bubble only while the toggle is on. Turning one off hides it immediately — and sharing is always subject to the scheme's own terms, so staff discounts in particular often stop at your household.
GYPureGym Plus — 4 guest passesGuest visits permitted on Plus · worth £20
TCClubcard voucher poolYour £24 of vouchers can fund anyone's day out
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.
Add a perk
Anything you're entitled to belongs in the vault — however you got it.
7 offers live on your accounts
All of this already exists — 8 hasn't opened, added or activated any of it. This is just what's there.
Amex Gold — 4 targeted offers you hadn't seen Amex app → Offers → Add to card£12
Tesco Clubcard — 2 Reward Partner boosts Already counted in your £48in your total
Nectar — 5× points weekend from Friday Already counted in your £9in your total
Now you've seen the four Amex offers, their £12 is counted in what's available to you. Opening them takes about a minute in the Amex app — that part is yours to do.
Invite to your bubble
They'll see only the perks you switch on — never balances, transactions or account details. They choose what they offer back.
use8.app/b/aaron-x8k2
Connect your AI
Point ChatGPT, Claude or any MCP-aware assistant at your vault — it answers "what do I already have for this?" with your actual perks.
mcp.use8.app/aaron?key=8k-x2f4
Read-only, by design: your assistant sees entitlements, never balances or transactions, and can't act on any of them.
Coming soon — join the waitlist below
Share your save
You did the switching — take the credit.
eight
£143.88/yr
8 spotted I was paying for Spotify when Apple Music is already in my phone plan. Ten minutes to switch it myself — £143.88 a year back.
accumul8 · use8.app
Set up your household
Three links you make yourself with each provider. Mark each one done and we'll count it — 8 can't set them up for you.
Step 1 of 3
BA Household Account
Pool Avios from up to 7 people at one address — reward flights come round years sooner.
✓ You've set all three up — est. +£180/yr for the bubble
Wallet
Scan at the till — swipe between cards.
Tesco Clubcard
£24 in vouchers · worth £48 with Reward Partners this month