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See exactly where your money goes every month

Connect your bank account and Paybacker categorises every transaction, tracks your income vs spending, sets budgets, and gives you a financial health score. All automated, all in one dashboard.

20+

spending categories, auto-categorised

Connect Your Bank Free

The average UK household overpays £1,000+ per year on bills and subscriptions

What you get

Income vs outgoings with monthly trends
20+ spending categories with AI self-learning categorisation
Set budgets per category with progress tracking
Net worth tracker (assets minus liabilities)
Financial health score updated with every sync

How it works

1

Connect your bank

Secure Open Banking connection via Yapily. FCA regulated. Read-only access.

2

See your full picture

Every transaction categorised. Income, spending, subscriptions, and trends in one view.

3

Take control

Set budgets, track goals, and get alerts when spending spikes. AI assistant answers questions about your finances.

Pro users can chat with an AI assistant about their finances using their real data

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Frequently asked questions

Which banks are supported?

Most UK banks including Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Revolut, and more via Open Banking.

How is this different from my banking app?

Your banking app shows transactions. Paybacker categorises them, tracks trends over time, sets budgets, detects subscriptions, finds overpayments, and recommends cheaper deals.

Is the free plan useful?

Yes. Free includes a one-time bank scan with top 5 spending categories. Essential (£4.99/month) adds daily sync and full dashboard. Pro adds AI assistant.

Ready to take control?

Join thousands of UK consumers who are using Paybacker to save money and fight unfair charges.

Connect Your Bank Free