Connect your bank. Catcher's AI scans your transactions, spots overcharges, writes negotiation letters citing Irish consumer law, tracks your claims, and only charges when you actually save.
No dashboards. No budgeting lectures. Catcher does the work.
Open Banking — regulated by the Central Bank of Ireland. Read-only access. We can never move your money.
Insurance loyalty penalties, forgotten subscriptions, duplicate charges, hidden fees, price increases — found in seconds.
Catcher writes the letter, cites the law, names the regulator, pre-fills the provider's email. You review and send.
Every month, Irish consumers lose money to loyalty penalties, billing errors, and forgotten subscriptions.
The average Irish car insurance renewal is 34% higher than a new customer quote. Catcher detects the increase and generates a negotiation letter for car, home, health, pet, travel, and life insurance.
Streaming services, gym memberships, apps you forgot about. Catcher identifies unused subscriptions and gives you one-tap cancellation instructions with the provider's contact pre-filled.
Billing errors happen more than you'd think. Catcher spots when you've been charged twice and writes your refund request with the provider's email pre-filled.
When a provider raises your price without proper notice, Catcher catches it and writes a complaint citing the relevant regulator — CRU for energy, ComReg for telecoms, CCPC for consumer rights.
Paying insurance in monthly installments? You're likely paying 15–25% APR in hidden interest. Catcher spots this and shows you cheaper financing options 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 generates an EU261 claim letter. Compensation up to €600 per passenger — no legal jargon, no claims company taking 35%.
Catcher doesn't just send the letter — it tracks every claim from send to resolution. Follow-up letters at day 7, counter-offer responses, and escalation to Irish regulators (FSPO, CRU, ComReg, CCPC) if companies don't respond.
Catcher isn't just for overcharges. It helps you understand, control, and grow 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 builds a plan with flight costs from Dublin, cheaper routing hacks, 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, and 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.
See every upcoming charge before it hits. Subscriptions, direct debits, predicted expenses — know what's coming and plan ahead.
No subscription required. No upfront cost. Savings verified through your bank data — not self-reporting.
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 in any way.
Same standard used by banks, governments, and the military. Your data is encrypted at rest and in transit. Nobody can read it — not even us.
Your data never leaves the European Union. Processed under GDPR. Hosted on EU servers. Registered with the Irish Data Protection Commission.
Bank connection via TrueLayer — authorised by the Central Bank of Ireland as an Account Information Service Provider (AISP) 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, sort code, or balance details beyond what's needed for analysis.
3. AI analyses your spending. Transactions are classified by our AI (powered by Anthropic Claude). Your data is pseudonymised before analysis — the AI never sees your name, address, or account details.
4. Letters are generated locally. Negotiation letters are generated using your transaction data but never include sensitive personal information 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 — AISP regulated by Central Bank of Ireland) · Supabase (database — EU hosted, SOC2 certified) · Anthropic (AI analysis — data pseudonymised before processing) · Stripe (payments — PCI DSS Level 1 certified) · Sentry (error monitoring — PII scrubbed from all reports)
Data Processing Agreements signed with all providers. Full details in our Privacy Policy.
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