Finally, someone on your side.
Join the waitlist. Be first to know when Catcher launches.
Companies have teams of experts working to maximise what you pay. Catcher is the first app working in the other direction.
Every household is overpaying somewhere. A renewal that quietly went up €120. A subscription you forgot you signed up for. A duplicate charge that never reversed. A flight that was delayed three hours and never refunded. None of these individually feels worth a fight. All of them together feels like the cost of being a customer.
That asymmetry isn't an accident. Insurers have actuarial teams that price your renewal higher than a new-customer quote. Streaming services have retention specialists trained to keep you paying. Telecoms have pricing algorithms that drift upward by inches. Airlines have legal teams hoping you don't know about EU261.
The consumer has fifteen minutes between meetings and a phone full of subscription confirmation emails.
Catcher is designed to take what companies are designed to take from you — and get it back.
Catcher is a financial advocate. It connects to your bank, reads your transactions, spots the overcharges that companies are hoping you won't notice, drafts a letter that names the right regulator and cites the right law, tracks the response, and follows up if no-one writes back. You stay in control — Catcher never sends anything without your tap — but the entire fight is on your side, automated.
That's the product. The principle behind it is simpler: every feature has to either save you money, lead to a finding, or reinforce that we're on your side. If a feature can't pass that test, we don't ship it. This is not a budgeting app. It is not a generic "money tracker." Budgeting tells you what happened. Catcher fights to change it.
Most apps stop at "you've been overcharged." Catcher writes the letter, sends it, tracks the response, follows up at day 7, escalates to the right regulator on day 30 if no-one replies. The entire claim, on rails.
Generic complaint templates don't recover money. Catcher names the regulator (FSPO, CRU, ComReg, CCPC in Ireland today), cites the specific law (GDPR, EU261, PSD2), and includes competitor quotes when relevant. Letters read like a solicitor wrote them — because they're built that way.
Read-only bank access via a regulated Open Banking provider. AES-256-GCM encryption. EU-only data. GDPR rights exercisable in-app with a single tap. We never see your banking credentials and can never move your money — by architecture, not by promise.
Catcher charges a subscription. We do not take a cut of money you recover. We do not earn commission on switches. We do not sell your data. You pay for Catcher; Catcher works for you. The only way we win is if you keep winning too.
Catcher launches in Ireland because we know the regulators, the consumer law, the bank landscape, and the way Irish providers actually respond to a well-cited complaint. Half-knowing twenty markets is worth less than knowing one market completely — so we built the deepest Irish product first.
The same architecture supports any market with Open Banking, named regulators, and a body of consumer law. Additional countries are on the roadmap — joining the waitlist tells us where to launch next.
The big budgeting and money apps cover many countries shallowly. Catcher covers fewer countries, deeper. End-to-end advocacy, country by country. That's the comparison we want to win.
Catcher is built by a small team in Ireland who got tired of paying the "loyalty tax" — the quiet uplift companies charge customers who don't renegotiate every year. We're not a claims company. We're not a comparison site. We don't take a percentage of what you recover.
We're a software company building the tool we wished existed. If you have feedback, questions, or a story about an overcharge you want Catcher to catch, write to us at hello@catcher.ie.
Join the waitlist. Be first to know when Catcher launches.