Your Intelligent Financial Manager
Get credit-ready while Wisemium keeps track of your bills, contracts, subscriptions and costs, spots what needs attention, helps you take action and finds ways to save.Get credit-ready, keep every bill and contract in one place, and see what needs attention first.
Why are you here?
Pick the closest. Everyone gets the same Wisemium; this only changes where you start.
What Wisemium can help with
Wisemium keeps all of these together. Some it reviews for you, some it takes to an approved partner, and some are on record, so a date shows as needing attention before it arrives.
See where you stand before you apply.
Credit Readiness is Wisemium’s own view of the information you add: your address, housing, household bills, cards and loans. It shows what you’ve added, what’s missing and what to do next.
Whether you’re building credit for the first time, have a limited credit history or want to improve where you stand, Wisemium helps you understand what matters and what to do next.
What Wisemium does for credit, and what it doesn’t.
- Credit Readiness: what’s in order and what’s missing
- Your cards and loans kept on file, with payment dates watched
- Due dates shown as needing attention before they arrive
- Plain guides to how credit files work
- Your credit score and report inside Wisemium
- Adding your rent to your credit file
- New credit cards and loans through an authorised credit broker
- Run a credit check when you look
- Promise to change your credit score
- Report to credit reference agencies itself
- Give financial advice
Coming-soon services switch on only once a regulated partner is in place. Until then there is nothing to apply for.
One household, five things I keep doing.
Add something once and Wisemium keeps it. It watches it, notices when the price or the date changes, and brings it back to you when it needs attention.
- UnderstandHouseholdI read what you share and work out what it says.
- MonitorMonitoringI keep track of your contracts, renewals and dates.
- NoticeInsightsI flag what has changed or needs attention.
- PrioritiseNext best actionI put the one that matters most first.
- ActAssistantYou decide. I help you take the next step and record the outcome.
After you act, Wisemium goes back to monitoring, so nothing drops off the list.
Big moments, sorted in order.
Moving into a new home?
Council tax, energy, broadband, insurance and the paperwork, with their dates.
- Council tax and water
- Energy and broadband
- Insurance
- Your tenancy or mortgage
- Every document in one place
New to the UK?
Household bills that work differently here, explained as you go.
- Your address and tenancy
- A UK mobile
- Council tax
- Energy
- Broadband
- Contents insurance
What Wisemium can catch for you.
Examples of what Wisemium brings forward. Each depends on information you’ve given it.
Compare, switch or keep. You decide.
When a renewal or contract end comes up, Wisemium shows real options from authorised partners, with the reason it’s showing them. Start from what you already have, or from what you need.
Free to start. Clear about commission.
- You are not charged by Wisemium for starting.
- Wisemium may receive a commission when you complete an eligible switch or purchase through a partner.
- Your provider’s price is not marked up by Wisemium.
- Commission never changes the order you see or your Credit Readiness.
- Insurance comparisons are completed through authorised partners.
Broadband, mobile and energy deals run through November.
Before you compare, check when your current contracts end and what you pay now. Wisemium keeps that on record so you compare from a real starting point.
See the November deals guideEvery fact Wisemium shows you traces back to something real.
No invented savings. No guessed prices. That includes every point of your Credit Readiness.
You stay in control. Always.
- Everything stays visible: providers, costs, dates and reasoning.
- You choose what you share, and you can remove any of it at any time.
- Wisemium can never move money, and never acts without you.
- Nothing switches, cancels or renews without your explicit approval.
- Checking your Credit Readiness never runs a credit check.
The things people ask us.
Is Credit Readiness my credit score?Credit
No. It’s Wisemium’s own assessment of the information you’ve given us. Credit scores come from credit reference agencies.
Will Wisemium change my credit score?Credit
Wisemium can’t change your credit score and doesn’t report anything to credit reference agencies. It helps you get your information in order and pay on time, which you control.
Does checking affect my credit file?Credit
No. There’s no credit check, and nothing is shared with lenders.
What is Wisemium?
Wisemium is your Intelligent Financial Manager: a personal financial management platform that understands your household bills, organises them in one place, keeps renewal and price details on file, and helps you take action when there is something worth doing.
Which household costs can I manage?
You can add energy, broadband, mobile, insurance, subscriptions and other recurring household bills. How much Wisemium does varies by service: some are reviewed and prepared for you, and some are compared through an authorised partner. Each service shows its state clearly.
Is Wisemium free?
Wisemium is free to start and needs no card. We may receive a commission when you complete an eligible switch or purchase through a partner. We do not add a markup to your provider’s price.
Does Wisemium switch services automatically?
No. Nothing switches, cancels or renews without your explicit approval. Wisemium prepares the next step and shows you the reasoning; you decide whether to take it.
How does Wisemium use my bank information?
Wisemium builds your financial picture from the bills and details you give it. Bank connections are not available yet; if they arrive, they will be read-only and Wisemium can never move money.
Does Wisemium give financial advice?
No. Wisemium Limited is not authorised by the Financial Conduct Authority and does not provide personal financial advice. It helps you see your options and organise your household costs.
