About us
About PennyGuard
PennyGuard is an AI assistant for your wallet. It shows what is pulling from your account, points out the cashback and perks your card already offers, and prepares the next step. You decide what happens. We find, you confirm.
Why PennyGuard
Recurring charges are easy to start and easy to forget. A service you stopped using, an intro offer that turned into a full price, a bill that went up a little at a time. Each one looks small on its own, and finding them all means reading statements line by line.
Card benefits are easy to miss too. Many cards offer cashback or perks on everyday purchases, but the conditions sit in terms pages and app menus.
We are building PennyGuard so you can see all of this in one place, in plain words, and act on it when you decide to.
What we do
Everything that recurs
Subscriptions, recurring bills and duplicate charges, found from your card or bank and, if you choose, your email.
A heads-up before it renews
Alerts by email and in the app before a renewal, when a trial with another service ends, when a price changes, or when a charge looks unfamiliar.
Perks your card already offers
Cashback and perks shown next to the transaction, with the conditions. Your bank or card network pays them on its own terms.
The next step, when you decide
Cancel supported subscriptions, request a refund from a merchant, or have a partner negotiate a bill. Results are not guaranteed, and any separate fee is shown before you start.
Answers about a charge
Ask Penny, the text assistant, what a specific charge is, and get an answer in plain English.
What’s left to spend
An estimate of what you can still spend before your next deposit.
Company
We're Pennyguard Ltd., the team behind PennyGuard. Our Terms of Use and Privacy Policy have the details. Have a question? Write to support@pennyguard.com.
Our approach
Nothing happens until you confirm
PennyGuard finds opportunities and prepares actions. You review each one and confirm what you want.
Read-only access through Plaid
We never see your bank login. You can connect a card or a bank account through Plaid.
Email is your choice
Connecting Gmail, Outlook or Yahoo is optional. We send an email from your account only when you ask us to in the app.
Terms you can see first
You see the price and billing period before you pay, and you can cancel your membership in the app.
FAQ
PennyGuard is operated by Pennyguard Ltd., registration number HE 498282, registered address 2 Grammou Street, Paphos, 8025, Cyprus.
No. PennyGuard is an app that helps you keep track of what you pay for. Your money stays in your own account, and we don't hold it, move it or pay bills for you. Cashback and perks come from your bank or card network, on their terms.
No. PennyGuard shows you what's going on with your charges and points out your options. Every decision is yours.
No. You connect your bank or card through Plaid with read-only access, so we never see your bank login.
In the United States, for adults 18 and over. The app is in English.
Email us at support@pennyguard.com.
Questions about PennyGuard, your membership or your data? Write to support@pennyguard.com.