What Wisemium does, and how.

Reading a bill or document you upload

Available now

Wisemium reads what it can, shows you, and asks you to confirm before anything counts. If it cannot read a document, you tell it what the document is and everything after that works the same.

Keeping your bills and services in one place

Available now

What you pay for, what it costs and when it renews.

Watching renewals, contract ends and price changes

Available now

For anything you have given Wisemium a date for. It will say a date is unknown rather than invent one.

Noticing what deserves your attention, and putting it in order

Available now

Wise Assistant works from what you have confirmed, and can show you why it raised something.

Understanding your tax code, PAYE and National Insurance

Available now

Including more than one job at once. Wisemium explains and checks, and points you to HMRC for anything that needs changing.

Your documents, kept and tied to what they prove

Available now

Wise Vault. Deleting a document keeps the figures you confirmed, marked as confirmed by you.

Savings goals

Available now

Wisemium never holds your money. A goal is something it helps you track, not an account.

Reading a payslip document automatically

Coming later

Deliberately. Doing it today would mean sending the whole payslip, including your National Insurance number and any printed bank details, to an outside service. You type the figures instead, which takes a couple of minutes.

Connecting a bank account, read only

Where supported

Through regulated Open Banking, and it can never move money. Not every bank is available.

Comparing and switching a service

Through selected partners

Wisemium shows you what is worth acting on and hands you to an appropriate provider. Nothing changes without your approval.

Wise Negotiator, for services like broadband and mobile

Available now

You ask, and people at Wisemium take it on for you and come back with what they found. It is not an AI negotiating in the background. Regulated products are organised and routed to an authorised firm instead.

Sharing a household with someone else

Coming later

Wisemium is built around a household, and letting more than one person into one is not finished yet.

How Wisemium reads a bill

Upload any document and Wisemium reads it for the facts that matter: provider, price, contract dates, account details. Everything it finds is filed in your Wise Vault straight away, and anything it can’t read confidently, it leaves blank rather than guessing.

Confirmed, inferred and unknown, and why the difference matters

Wisemium is deliberate about what it actually knows versus what it’s assuming. A figure read straight from a bill is confirmed. A category worked out from a bank transaction is inferred. Anything it hasn’t seen evidence for stays marked unknown, never filled in with a plausible-looking guess.

What Wise Negotiator can and can’t do for you

For broadband, mobile and similar household services, Wise Negotiator can act on your behalf, with your approval at every step, and report back on what it found. For regulated products, insurance, loans, credit cards and mortgages, Wisemium organises and reminds, and routes you to an authorised partner instead of negotiating itself.

Keeping every renewal in one place

Your Wise Vault holds the documents you’ve uploaded and the key dates read from them, so a renewal date, a policy number or a contract end date doesn’t have to be found again by digging through email or a drawer.

Vehicles, insurance and finance under one roof

Upload an MOT certificate or a V5C and Wisemium recognises the vehicle it belongs to, linking it with any insurance or finance already on file so the full picture for that car or van sits in one place.

What happens when your details change

Uploading a newer bill for something you’ve already added doesn’t create a second, duplicate entry. Wisemium recognises it as the same service and updates the record, keeping whatever it already knew that the new document doesn’t mention.

Before you switch anything, know your contract end date

Leaving a fixed-term contract early often costs more in exit fees than staying and switching at the right moment saves. It’s worth checking the end date before acting on any offer, however good it looks.

Why a bill from six months ago is still useful

An older bill still shows what you were paying and on what terms, which gives Wisemium a baseline to compare against once a newer one arrives. It’s worth uploading even if it’s out of date.

Bundling isn’t always cheaper

A single provider for broadband, TV and mobile can simplify admin, but it isn’t automatically the best price. It’s worth checking what each service would cost separately before assuming the bundle is the deal.

Vehicles is now a household entity

MOT certificates and V5C logbooks are recognised as vehicle documents, and Wisemium links them with any insurance or finance already on file, rather than filing them as an ordinary bill.

Subscriptions get their own lifecycle

Streaming, software and membership subscriptions are now tracked through their own states, active, price changed, renewal approaching, so a change shows up as exactly that, not just a new upload.

Clearer language for regulated products

Insurance, loans, credit cards and mortgages are now described as organised and filed, never as switched or negotiated, since Wisemium isn’t currently authorised to advise on or negotiate regulated products directly.

Wise Vault

A single, private place for every household document, searchable by what it is rather than what it’s called, with the key facts already read out for you.

Wise Negotiator

For the services Wisemium is able to act on, Wise Negotiator can ask on your behalf, always with your approval first, and bring back what it finds.

Household monitoring

Wisemium checks on the bills and services it manages in the background, so a renewal or a price change can surface on its own rather than waiting for you to notice.