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UK households overpay £1,847 / yr

The money you
forgot you
were spending.

Upload a UK bank statement. Idle quietly shows every recurring payment, silent price rise and forgotten subscription — in pounds.

Scan my statementSee a sample report →
No bank login Read-only· Free · 90 seconds

A real scan

One statement.
Seven leaks.

NatWest · Aug 2025
142 transactions
Annual
£3,029
Plusnet broadband
Price rise
£32.99+£3.00
Netflix Standard
Price rise
£12.99+36%
PureGym Bristol
Unused 63d
£24.99—
Audible
Unused
£8.990 used
Admiral renewal
Loyalty penalty
£94.40+28%
ChatGPT Plus
Duplicate of 2
£16.00x3
Gridserve charging
Cheaper at home
£62.10−£44

Anonymised example. Idle never recommends — it shows you what's there.

Where money goes

Eight quiet ways
you overpay.

  • 01Silent broadband and mobile rises
  • 02Free trials that converted
  • 03Insurance loyalty penalties
  • 04Duplicate AI subscriptions
  • 05Unused gyms and apps
  • 06EV charging vs home rate
  • 07Energy direct-debit overpayment
  • 08Bank fees and FX markups

How it works

Three steps.
Ninety seconds.

  1. 1
    Export
    PDF or CSV from any UK banking app.
  2. 2
    Upload
    Scanned in the UK. No bank login. No Open Banking.
  3. 3
    Review
    Each leak shown in pounds — monthly and annual.

Operational · EV

Public chargers vs home.

Networkp/kWhvs home (8p)£/1,000 mi
Octopus Intelligent (home)8p—£24
Tesla Supercharger45p5.6×£135
Gridserve79p9.9×£237
Ionity74p9.3×£222
BP Pulse 150kW85p10.6×£255
Instavolt85p10.6×£255

Idle detects which networks you use and estimates the home-charging delta from your statement.

All of it

Inside Idle.

Optional · £7.99/mo

Get warned before
the price goes up.

14 days before any insurance, broadband or subscription renewal. 24 hours after any silent price rise.

Set up alerts

Real households

What people
actually saved.

  • £312
    per year

    "Cancelled gym, Audible, and a duplicate cloud storage."

    Sarah · Leeds

  • £684
    per year

    "Switched broadband and car insurance after Idle flagged the rises."

    Tom · Bristol

  • £1,420
    per year

    "EV charging at home instead of public — biggest single leak."

    Rajiv · Reading

  • £228
    per year

    "Three AI subscriptions. Kept one, cancelled two."

    Emma · Glasgow

Processed in the UK
Statements deleted after 30 days.
Read-only software
We never move money or initiate payments.
No bank login
PDF or CSV upload. No Open Banking.

Plainly asked

Honest questions.

Do you connect to my bank?
No. You upload a PDF or CSV. Idle never holds credentials.
Is Idle free?
The scan and recurring payments report are free. Renewal alerts £7.99/mo.
Are you regulated?
No. Idle is observation software, not financial advice.
What banks work?
Any UK bank with PDF or CSV export — Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Revolut.
Free · 90 seconds

Find your leaks.
Keep your money.

Upload a statement

Idle Ltd · Registered in England & Wales. Idle is a software tool, not a regulated financial adviser. We do not move money, initiate payments, or cancel subscriptions on your behalf.