UltAI-Mate works for you every day — finding savings you've missed, uncovering income you didn't know existed, and connecting you to a real financial adviser the moment you need one.
The average UK household wastes over £2,000 a year in forgotten subscriptions, uncompetitive tariffs and unclaimed tax rebates — and misses thousands more in income they never knew existed.
UltAI-Mate is your proactive financial companion. Not just tracking what you've spent — actively finding what you're owed, alerting you to what you're overpaying, and coaching you toward new income every single day.
No complicated setup. No open banking required to get started. Just immediate, genuine financial insight.
Upload a statement, photograph a receipt, or connect via open banking. Your data never leaves our secure servers.
Your personal AI scans for waste, savings opportunities, tax rebates, cashback, and income possibilities — specific to you.
Clear, step-by-step guidance on each opportunity. Not just "you could save money on energy" — the exact tariff, the link, the cashback route.
When something needs regulated advice — mortgage, pension, investment — you're connected instantly to a verified Independent Check adviser.
Your complete financial picture at a glance. Income, spending, goals, AI opportunities, adviser access and monthly ROI — all in one place. The command centre for your financial life.
Core featureUpload any bank statement. Your AI reads every transaction, scores your financial health, flags waste and finds savings — with live market intelligence baked in.
Save moneyPhoto your shopping receipt and instantly see which branded items have cheaper own-brand alternatives. Track your grocery spend over time.
Save moneyThinking about a car, holiday, tech or home improvement? Your AI coach thinks through every angle before you commit — timing, funding, cashback, alternatives.
AI coachingMillions of UK workers are owed money by HMRC. WFH allowance, uniform relief, professional subscriptions, mileage — we find what you're owed and guide you to claim it.
Earn moneyTell us your skills, time and situation. Get 5 personalised income opportunities ranked by realistic earning potential — specific to you, not generic advice.
Earn moneyBefore you spend anywhere, know the best cashback route. TopCashback, Quidco, Chase — your AI tells you exactly how to get paid for spending you're doing anyway.
Earn moneyDescribe what you've got and get instant valuations, the best platform for each item, and specific tips to maximise what you make. Most homes have £200–500 sitting unused.
Earn moneyThe best UK refer-a-friend schemes curated and matched to your network. Chase, Octopus Energy, Monzo — turn your contacts into genuine monthly income.
Earn moneyAverage annual grocery saving from own-brand switches
Average HMRC WFH rebate waiting to be claimed (4 years backdated)
Average annual saving from switching to a competitive energy tariff
Average cashback missed per month by not using cashback portals
Every UltAI-Mate subscription includes access to a real, named, FCA-regulated financial adviser from the Independent Check network — matched to you from the moment you sign up.
Your AI companion handles everything it can. But for mortgages, pensions, investments and complex planning, your matched adviser is one tap away — already briefed on your financial situation, ready to give you the kind of expert guidance that used to cost hundreds of pounds an hour.
This is UltAI-Mate's genuine superpower. No other app in the UK can offer this.
UltAI is one simple cost to your firm: a one-off setup, then a flat monthly fee per client. You decide what your clients pay — and keep the difference.
Example retail price — your margin is yours to set.
Be first to access UltAI-Mate when we launch. Early members get 3 months free.