Connect your bank. Catcher's AI scans your transactions, spots overcharges, writes letters citing Irish consumer law, and tracks every claim through to resolution.
No dashboards. No budgeting lectures. Catcher does the work.
Sign in with Apple, Google or email — then connect your bank via TrueLayer, a regulated provider under PSD2. Read-only access. We can never move your money.
Insurance renewal hikes, forgotten subscriptions, duplicate charges, hidden fees, price increases — found in seconds.
Catcher drafts the letter, cites the law, names the regulator, pre-fills the provider's email. You review and send.
Real screens from the app. Real findings. Real money.
Catcher's home screen surfaces your total potential savings across every finding it has uncovered — from forgotten subscriptions to insurance overpricing. No dashboards to configure. No graphs to decode.
Catcher categorises every transaction by spend type, then flags the savings opportunities sitting in your bank data.
When Catcher finds a recurring charge, it tells you what you're paying, what comparable services cost, and which Irish consumer protections apply. Built-in citations to CCPC, FSPO, CRU, and ComReg.
Every finding includes the actual monthly difference — so you can switch with confidence, not just curiosity.
Some providers don't take cancellation by email — so Catcher gives you the exact steps to follow on their site or app, plus a one-tap "Open" link that drops you straight onto the right page.
No more digging through help centres or chat bots designed to make you give up.
Smart Money shows where your money went this month, flags anything unusually high versus your typical pattern, and connects spending to your savings goals. Coaching, not policing.
Catcher spots anomalies automatically so you don't have to scroll through transactions wondering what changed.
Irish consumers lose money every month to renewal hikes, billing errors, and forgotten subscriptions.
Car, home, health, pet, travel and life insurance renewals often come in higher than new-customer quotes. Catcher spots the jump and drafts a negotiation letter with competitor rates.
Streaming services, gym memberships, apps you forgot about. Catcher identifies recurring subscriptions and gives you one-tap cancellation instructions with the provider's contact pre-filled.
Card-based duplicate charges from restaurants, retail, and online purchases happen more than you'd think. Catcher spots them and drafts your refund request.
When a provider raises your price without proper notice, Catcher catches it and drafts a complaint citing the relevant regulator — CRU for energy, ComReg for telecoms, CCPC for consumer rights.
Paying insurance in monthly installments typically adds 15–25% in hidden interest. Catcher spots this and shows you cheaper financing alternatives like credit union loans.
That "free trial" just became a paid subscription. Catcher catches the first charge and gives you instant cancellation steps before the next billing cycle.
Catcher scans your bank for airline purchases, checks if your flight was delayed 3+ hours, and drafts an EU261 claim letter. Up to €600 per passenger — no claims company taking a large cut.
Catcher doesn't just draft the letter — it tracks every claim from send to resolution. Follow-up letters at day 7, counter-offer responses, and escalation drafts for Irish regulators (FSPO, CRU, ComReg, CCPC) if companies don't respond.
Most apps lump P2P rent transfers in with random payments to friends. Catcher spots recurring same-recipient debits with stable amounts and a monthly cadence — and asks if it's rent. One tap and it's tracked as Housing across every spending screen.
When Catcher finds transactions that need your judgement — possible rent, savings transfers, low-confidence findings — it bundles them into a single weekly nudge. No spam, no per-finding pings, no notification fatigue.
Catcher isn't just for overcharges. It helps you understand and control your money every day.
Visual category breakdowns, month-over-month trends, top merchants, and auto-detected spending anomalies. Know where every euro goes.
Set per-category targets linked to your savings goals. Catcher alerts you at 80% and 100% — coaching, not policing. Stay on track without the guilt.
Saving for a trip? Catcher helps you plan — flight costs from Dublin, cheaper routing ideas, money tips for your destination, and day-by-day itineraries.
When Catcher finds an overcharge, it shows you real competitor rates. Compare insurance quotes, see cheaper subscription alternatives, switch with confidence.
Tag bank transfers as savings, set up auto-rules, and watch your goal progress ring fill up. Catcher connects your spending targets to your goals so every euro counts — wherever you save it.
See every upcoming charge before it hits. Subscriptions, direct debits, predicted expenses — know what's coming and plan ahead.
Try Catcher's core value at no cost. Upgrade for the full Smart Money toolkit and unlimited letters.
Try Catcher's core value at no cost
Take full control of your money
The number one question we get. Here's the full, honest answer — not marketing speak.
Catcher can see transactions but can never move money, make payments, set up direct debits, or modify your account.
Your data is encrypted at rest and in transit — the same standard used by banks and governments. Access is restricted to Catcher systems only.
Your data never leaves the European Union. Processed under GDPR. Hosted on EU servers.
Bank connection via TrueLayer — an FCA-authorised Account Information Service Provider operating in Ireland under PSD2.
1. You connect your bank. Catcher redirects you to your bank's own login page via TrueLayer. We never see your username or password — your bank authenticates you directly.
2. Catcher reads your transactions. Read-only. We receive transaction descriptions, amounts, and dates. We cannot see your full account number or initiate any payments.
3. AI classifies your spending. Transactions are categorised by our AI (large language model technology). Your data is pseudonymised before analysis — no name, address, or account details are sent to the AI.
4. Letters are drafted for you. Negotiation letters are drafted using your transaction data. Sensitive personal information is never included unless you add it yourself before sending.
5. You're always in control. You review every letter before it's sent. You choose what to action. You can disconnect your bank and delete all data at any time — one tap, everything gone.
✓ Transaction descriptions and amounts
✓ Classified spending categories
✓ Findings and generated letters
✓ Your savings goals and targets
✓ Consent records with timestamps
✗ Your bank login credentials
✗ Your full account or sort code numbers
✗ Your PPS number or government ID
✗ Biometric data of any kind
✗ Data from people you transact with
Right to access: See exactly what data we hold about you, in plain language — not buried in a privacy policy.
Right to portability: Download all your data as a JSON file with one tap. Take it anywhere.
Right to erasure: Delete your account and all associated data permanently. We disconnect your bank, revoke all access tokens, and remove everything from our servers.
Right to withdraw consent: You gave consent to connect your bank — you can revoke it at any time from your account settings.
Right to complain: If you're unhappy with how we handle your data, you can contact the Data Protection Commission at dataprotection.ie.
Third-party data processors:
TrueLayer (bank connection — FCA-authorised AISP, PSD2) · Supabase (database — EU hosted, SOC2 certified) · Anthropic (AI classification — data pseudonymised) · Stripe (payments — PCI DSS compliant) · Sentry (error monitoring — PII scrubbed)
Data Processing Agreements in place with all providers. Full details in our Privacy Policy.
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