Holistic debt management and leading rates
0% balance transfer credit cards and loans from 5.9%.
Interactive calculators to quantify the best course of action.
Fully autonomous debt management in the OPTIMLY app.
ACTION TAKEN:
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Hi, Alex
Hi, Alex
OPTIMISE
New optimisations
+ £4,092
Messages
! Your home insurance is due for
renewal in 27 days time.
Optimisations
Debt: + £4,035
Your savings are £3,138 above target. Consider using £2,019 to repay your credit card before the end of its 0% period.
Debt: £ Pending
If you choose not to repay your credit card, consider switching to a 0% rate. However, this will only save you £452 in interest.
Invest: + £57
Consider investing £1,119. Over a 5 year period we estimate the growth to be worth £353 more than putting the money into a savings account.
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
Outer Frame Image
Hi, Alex
OPTIMISE
New optimisations
+ £4,092
Messages
! Your home insurance is due for
renewal in 27 days time.
Optimisations
Debt: + £4,035
Your savings are £3,138 above target. Consider using £2,019 to repay your credit card before the end of its 0% period.
Debt: £ Pending
If you choose not to repay your credit card, consider switching to a 0% rate. However, this will only save you £452 in interest.
Invest: + £57
Consider investing £1,119. Over a 5 year period we estimate the growth to be worth £353 more than putting the money into a savings account.
Portfolio
Net worth
£21,094.67
14.81%
Rate map
Balance (£)
Rate (% AER)
Debt overpayment zone
Savings zone
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Notification settings
Alert threshold
Stay in control with customised notifications. We won't bother you unnecessarily. Set an alert threshold, and we'll only inform you when you can save/earn more than this amount.
Your threshold is £50
EDIT
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Balance updates
Optimisations
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Alert threshold
Changing your alert threshold means that we'll only notify you when taking action can save or earn you at least:
50
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Leading credit cards & personal loans
Last refreshed on
Credit cards: balance transfer
CREDIT CARD
BALANCE TRANSFER
NATWEST
13M 0% FEE
0%
APR
CREDIT CARD
BALANCE TRANSFER
ROYAL BANK OF SCOTLAND
13M 0% FEE
0%
APR
CREDIT CARD
BALANCE TRANSFER
BARCLAYCARD
12M 0% FEE
0%
APR
Credit cards: purchase cards
CREDIT CARD
PURCHASE CARD
MBNA
21 MONTH
0%
AER
CREDIT CARD
PURCHASE CARD
BARCLAYCARD
21 MONTH
0%
APR
Fixed rate loans
BORROW
FIXED RATE LOAN
TESCO
FIXED RATE
6.1%
APR
BORROW
FIXED RATE LOAN
M&S BANK
FIXED RATE
6.2%
APR
BORROW
FIXED RATE LOAN
SANTANER
FIXED RATE
6.2%
APR
BORROW
FIXED RATE LOAN
TSB
FIXED RATE
6.2%
APR
BORROW
FIXED RATE LOAN
TESCO
FIXED RATE
6.5%
APR
* This table shows the best deals for personal loans of £10,000 paid back over five years. Please note that this information is for information purposes only and does not constitute financial advice. APRs are subject to change based on individual circumstances and the representative APR may not be what you receive. Please refer to the particular terms and conditions of a personal loan provider before committing to any financial products.
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