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.
Debt calculators
ACTION TAKEN:
*When taking action compared with making the minimum repayment. Terms can vary.
Example credit card balance of £2,394. Rate: 22.9% APR. Min: £5 / 2.5%.
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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
Rate map settings >
Rate map
Rate map
We've developed a simple graphic that allows you to see all your products on a single chart. Incorporated is your savings zone whichs helps illistrate the return you're getting - or could get on your cash giving you a benchmark for when to overrepay debt.

Of course, it's not always that simple, so tap any of the products and we'll give you our opinion on whether to overpay or not.

Our service is live so you can access it any time of the day. You can also adjust the Rate map settings manually so we monitor your products in line with your own individual preferences.
Sign up
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
Rate map settings >
Automated advice
Automated advice
Graphics and calcualtors are very useful tools in assising your options, but sometimes it can also helpful to chat through your options.

Our AI chat function offers you personalised advice in simple language easy to understnad language that explains why it's good to make a financinal decision, or even why its good not to make it.

At any time of day or night you can ask it a range of questions that relate to your own personal financial situation and get a clear response explaining a course of action along with supporting calculations.
Sign up
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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
Notifications
Transactions & payments
Balance updates
Optimisations
News & promotions
Alert threshold
Changing your alert threshold means that we'll only notify you when taking action can save or earn you at least:
50
Confirm
Customisable alerts
Customisable alerts
One of the key aspects of our service is that it is autonomous. Each day we search the market to see if there is a better product, or product combination.

We also monitor your savings balances to see if there's an opportunity to sweep excess funds into an account that pays a higher rate of interest.

You can set limits so you're only notified when the benefit of switching is significant enough to you, and at any time can access our chat AI function for additional help and support.
Sign up
Leading credit cards & personal loans
Last refreshed on
Credit cards: Balance transfer

Natwest

Natwest
0%

Barclaycard

Barclaycard
0%

Virgin

Virgin money
0%
Credit cards: Purchase cards

Barclaycard

Barclaycard
0%

HSBC

HSBC
0%
Personal loans

Tesco bank

Tesco Bank
5.9%

AA

The AA
6.1%

Bank of Ireland BOI

Bank of Ireland
6.1%

Post Office

Post office
6.1%

First Direct

First Direct
6.4%
* 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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Debt calculators