owed. connects to your email and bank once — then automatically finds every subscription, flight delay, overcharge and deposit you're owed, and recovers it. Globally.
What owed. recovers
owed. works across every category where companies quietly keep money that belongs to you.
Connect email and bank via read-only OAuth once. owed.'s AI reads years of history — every booking confirmation, every renewal notice, every charge — and identifies every opportunity to recover money. No forms. No uploads. No manual work.
LiveEC261 (UK/EU), DOT (US), and equivalent international regulations. Up to £520 per passenger, per flight. Detected from your inbox, filed automatically.
LiveFinds every recurring charge including trials, zombie subscriptions, and annual fees you've forgotten. Cancels with one tap.
LiveFCA-compliant letters for unlawful overdraft fees, unfair penalty charges, and unauthorised debits. CFPB for the US.
Phase 2Estimated billing errors, missed switches, Ofgem-eligible complaints. Resolved in under 30 days.
Phase 2Your live financial recovery score. Money recovered, money leaking, money at risk. A weekly briefing — automatically.
Coming soonHow owed. works
Three steps. After that, owed. runs silently in the background and surfaces only when there's money to collect.
Link Gmail or Outlook via read-only OAuth, and your bank via Open Banking or Plaid. We never see passwords and never touch your money. Under 60 seconds.
Our AI scans years of history, identifying every eligible claim — flights, subscriptions, utilities, banks, deposits. All ranked by value and likelihood of success.
You see exactly what's being sent before it goes. One tap. owed. files the claim, drafts the letter, chases the company. You get a notification when money arrives.
Global coverage
The UK has some of the world's strongest consumer protection laws. We built the platform there — then extended it globally.
The most comprehensive coverage. Full EC261 post-Brexit rules, FCA-regulated bank disputes, Tenancy Deposit Scheme submissions, Ofgem utility complaints, and insurance overcharge recovery.
EC261/2004 flight compensation across all 27 member states. Subscription recovery in German, French, Spanish and Italian markets. Consumer rights directives applied automatically.
DOT airline compensation rules, CFPB-compliant bank charge disputes, subscription cancellation automation across all 50 states. FTC-informed consumer protection filings.
Australia (ACCC, APRA), Canada (CRTC, FCAC), Singapore, UAE and further markets launching through 2025. Subscription recovery works in any country from day one.
Results
I genuinely didn't believe it. British Gas credited £347, then the EasyJet money arrived weeks later. owed. did everything — I tapped approve twice.
Three passengers on a transatlantic cancellation. owed. found the DOT claim from a booking email I'd completely forgotten about. $650 per person, no effort at all.
My landlord refused to return my deposit. owed. generated a TDS submission citing case law — the landlord backed down in three weeks. Full amount returned.
Two Ryanair delays in a year. owed. found both from booking confirmations, filed EC261 claims without me remembering a single flight number or date.
9 forgotten subscriptions — £210/month gone. Then it found I hadn't switched energy in 4 years. The whole scan took 40 seconds. A genuine no-brainer.
Three years of bank charges I kept meaning to dispute. owed. filed a CFPB-informed complaint letter in 30 seconds. Full refund in 12 days. Unreal.
Pricing
No upfront cost. We only succeed when you get money back.
Questions
The average user recovers £847 in their first 90 days.
Setup takes 60 seconds.
No credit card required · Read-only access · UK GDPR compliant · Cancel anytime