FCA-regulated Open Banking

Know exactly
what you
pay for.

Vault connects to your bank and finds every recurring subscription — including the ones you've completely forgotten about. Most users find over £300 they didn't know they were paying.

Download free See how it works →
Read-only access · We cannot move funds · Data never sold
Live
RECURRING SPEND
£75.98
G
Gym Membership
Bills 23rd · Price up £3/mo
£35.00
Review
C
ChatGPT Plus
Bills 6th
£20.00
Active
S
Spotify
Bills 26th
£11.99
Active
3 of 4 subscriptions shown · Vault Pro
£384
average annual waste on subscriptions per UK household
90
days of transactions scanned automatically the moment you connect
£300+
found by Vault users on average in their first scan
How Vault works

Three steps.
Total clarity.

Connect once. Vault does the hard work. You make the decisions.

01

Connect your bank in 30 seconds

FCA-regulated Open Banking — the same infrastructure as Monzo and Starling. Read-only. Your credentials stay with your bank, always.

02

AI finds every recurring charge

Vault scans 90 days of transactions and surfaces every subscription — including price increases you didn't notice and services you've forgotten about.

03

Cancel, negotiate, or switch

Get a personalised AI negotiation script for any subscription. Providers regularly offer 20–40% discounts. Cancel others in seconds with guided instructions.

Vault Intelligence

AI that negotiates
on your behalf.

Providers regularly reduce prices by 20–40% to retain customers — but only if you ask. Vault generates your personalised script instantly.

Personalised to your situation
Your history, current price, and market alternatives — the strongest possible case.
First script is always free
Every Vault user gets one free. See the value before committing to Pro.
Detects price increases automatically
When a provider quietly raises your price, Vault spots it immediately.
Your negotiation script
Sky Sports · generated by Vault AI
"Hi, I've been a Sky Sports customer for a while and I genuinely value the service — but I've noticed my price has increased to £42 a month. I've seen that new customers are offered lower rates, and I've been comparing competitors. Before I make any changes, I wanted to check whether there are any loyalty discounts available on my account. I'd really prefer to stay — could you tell me what options are available?"
Sky Sports · £42/mo · Price up £14/mo since first detected
Copy script
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Security

Built on the same
infrastructure
as your bank.

FCA-regulated Open Banking
Vault uses TrueLayer — an FCA-authorised payment institution. The same regulated infrastructure powering Monzo, Revolut, and Starling.
Read-only, always
Open Banking access is read-only by design. Vault can see your transactions to find subscriptions — but can never move, spend, or touch your money.
Your data is never sold
Zetooni doesn't sell your data or share it with advertisers. Your financial information is used only to help you manage your subscriptions.
How Open Banking works
Open Banking is a UK government framework that lets you share your bank data with authorised apps — without giving them your banking password or login details.

When you connect your bank in Vault, you authenticate directly with your bank. Your credentials never leave your bank's own systems.
FCA-regulated Open Banking infrastructure
Your credentials never reach Zetooni servers
256-bit encryption on all data in transit
Zetooni Ltd · Company No. 17271879
Pricing

Simple. Honest. Fair.

At £6.99/month, Vault Pro pays for itself the moment you negotiate one subscription successfully.

Vault Free
£0
free forever
  • 1 bank account connected
  • Full subscription detection
  • Cancel flow — unlimited
  • Renewal alerts (push notifications)
  • First negotiation script free
Download free
Most popular
Vault Pro
£6.99
per month · cancel anytime
  • Everything in Free
  • Unlimited negotiation scripts
  • Full spending intelligence — category breakdown, price history
  • Up to 3 bank accounts
  • Snooze — review later reminders
  • Comparison & switching (coming soon)
Unlock Vault Pro

Most users save over £300 in their first month. Vault Pro pays for itself.

Your financial
picture is about
to get clearer.

Connect your bank in 30 seconds. Vault finds every subscription you're paying for — including the ones you've forgotten.

Download Vault — Free

Available on iOS · Android coming soon