UK only · Early access · Founding members
2026 · Built in London
Right now you're probably losing around £743 a year to bills you could lower in a single chat. And your banking app still tells you you're "safe" while a card or pay-later it can't even see is about to land. Ravn shows you what's genuinely safe to spend, catches the bill that won't clear, and hands you the exact words that win a lower price. From someone who spent ten years inside the call centres at Sky, BT and Virgin, so nothing ever gets called safe before payday.
No card needed/Free to start/UK only
The providers we take on
Retention teams can often authorise far bigger discounts than their first offer, and many providers keep a loyalty desk with more room than the standard cancellations line. They count on you not asking. That ends today.
The first discount an agent offers is rarely the biggest one they can give. Most people take it, say thank you, and never find out what was sitting behind it.
Many providers keep a team whose whole job is to stop you leaving, with real room to do it. Most people never ask to reach it, so they never see what it can do.
Millions quietly roll onto higher out-of-contract prices on autopilot, often without realising. It could easily be you, right now.
Typical bill overpayment · estimate
£743A rough estimate of what a typical UK household can overpay on bills in a year, much of it on services you could renegotiate in minutes. Your own number will differ.
Illustrative estimate based on publicly reported UK bill overpayment, not a guarantee.
→The 30-second check
Drag your monthly bills for a rough, illustrative estimate of what you might claw back, based on the kind of discounts retention teams can often offer. Not a quote or a guarantee.
What you're handing over for nothing
£612every year you leave it
The real world
Cryptic merchant names. Subscriptions buried inside a credit-card bill. The same provider under three different labels. Ravn reads through the chaos, groups every recurring cost and shows you the truth, so nothing you pay for ever hides from you again.
01Connect
Sixty seconds, read-only access through an FCA-authorised Open Banking provider, bank-grade secure. Ravn maps every recurring bill and estimates your overpayment before we say a word to anyone.
02Negotiate
Open your provider's live chat. Ravn feeds you the exact messages to paste, line by line, built on ten years of seeing these conversations from the other side. And when they won't budge, Ravn finds your best switch in seconds. No loyalty, no penalty.
03Stay safe
Ravn watches your balance against the bills that are due. It shows you what's likely safe to spend, flags a payment that may not clear, and suggests a move that could fix it. That low-level dread of "will it all go through?" — eased.
Safe to spend before payday
Won't clear on current balance
04When you want it
Safe to spend comes first. When you want the whole view, Ravn pulls bank, savings, ISA, investments and pension into one live picture through Open Banking. The point is never another net-worth dashboard. It's knowing what's really yours to spend.
Your net worth
05Your progress
Every negotiation logged. Every saving tracked. Your Ravn Score shows how much you've reclaimed against how much is still on the table. A live picture of your financial power.
06For families
Hundreds of thousands of UK pensioners miss Pension Credit, and many miss Attendance Allowance, worth up to about £5,900 a year and not affected by savings. Ravn checks what your family is owed, and helps you claim it with you in control the whole way.
Check what they're owed →What they're owed · a year
Simple pricing
Your net worth, what's safe to spend, and your first bill scan are free. Pay only when you want Ravn doing the work, and only for how many of you there are. Same features at every price, never a cut of what you save.
or £59.99 a year · Most popular
Every bill, every account, and what's safe to spend before payday. All in one place, just for you.
or £79.99 a year · for couples
Two incomes, shared bills. See your combined picture and who covers what, so payday never catches either of you out. Balances stay private.
or £89.99 a year · up to 6 people
Flatmates or family. Split shared bills fairly and everyone sees what's safe, without ever sharing a single login.
Everything in one app
Copy-paste scripts that win, built from inside the call centres.
When haggling won't budge them, we find your best switch in seconds.
Know exactly what clears before payday, every day.
Every account in one live view, without juggling logins.
We catch hikes the day they land and tell you what to do.
Track every penny you unlock versus what's still on the table.
Split the bills and see what's safe, together, fairly.
Earn for every friend you bring who stops overpaying too.
We check what your parents can claim, like Pension Credit, and help you get it.
How it works
Sixty seconds, read-only access through an FCA-authorised Open Banking provider. We find the bills you're overpaying on and estimate your saving. We never sell your data. Ever.
Open your provider's live chat. Ravn tells you what to type, line by line. Ten years of call-centre insider knowledge in your pocket. No phone calls.
Flat subscription only. We never take a cut of what you save. Every pound you claw back is entirely, permanently yours. No asterisks.
The founder
For ten years I watched people hang up still overpaying, with a better price sitting right there on the table. I worked in customer service inside the outsourced call centres that Sky, BT and Virgin Media route their customers through. A decade on the phones, seeing exactly how the system really works from the inside.
The same thing happens thousands of times a day. Someone asks for a better price. There's a real discount sitting there, and a whole team whose job is to keep them. Most people take the first tiny offer and say thank you. Almost nobody knows what to ask for.
I couldn't say anything then. So I built something that can. Ravn hands you the exact words I watched work, every single day, for ten years.
"I spent ten years watching people accept £5 off when far more was sitting on the table. I couldn't say a word back then. Ravn is everything I wish I could have told them."
Founder · Ravn Technologies Ltd
Our promise
We never take a cut of what you save. Every pound you claw back is permanently, entirely yours.
Free to start, then from £6.99 a month. One price per household, no feature paywalls. Against what households typically overpay, it can pay for itself in a single negotiation.
When you choose to switch, the new provider pays us a fee. Always disclosed, and it never changes what we recommend.
Founding members
Only 200 founding spots, and they don't come back. When they're gone, so is the locked-in price, the negotiation coached by the founder, and the say in what we build next.
Your first negotiation coached live by the founder over WhatsApp. The person who spent ten years on the other side of these calls.
Founding members lock in the launch price for as long as your membership stays active. When prices rise later, yours holds.
Direct access to the founder. Your feedback decides what gets built next. You're a co-creator, not a user.
No card needed/Free to start/UK only
Common questions
We connect through an FCA-authorised Open Banking provider with read-only access, so we can never move your money. Your data is encrypted, never sold or shared, and you can revoke access in one click, any time.
No calls. Ever. Live chat only. Ravn gives you the exact messages to paste, line by line. The whole thing takes eight to twelve minutes per provider, from your sofa, any time.
There's no guarantee, and some providers will say no. If they do, we show you the best switching option instead. Crucially, you never lose your existing deal just by asking. An agent can't withdraw what you already have.
Free to start, then a simple subscription from £6.99 a month for one person (£8.99 for couples, £9.99 for a household of up to six) — same features, you only pay for more people. We never take a cut of what you save. We also earn a referral fee when you choose to switch provider, always disclosed, and it never changes what we suggest. Against what households typically overpay, Ravn can pay for itself in a single negotiation.
Negotiation: Sky, BT, Virgin Media, EE, Vodafone, Three, O2. Switching analysis: all major energy, broadband and mobile providers. New providers added monthly based on member requests.