Gains App

About Gains App

Gains App is a free, AI-powered money app built to help cost-conscious UK households take control of their spending without the complexity. It connects to UK bank accounts through open banking, giving people a clear view of their whole financial picture with spending analysis, smart budgeting tools, and instant cashback on the everyday shopping they already do - all in one place.

Founded in 2025 by award-winning personal finance creator Sammie Ellard-King alongside co-founders Chris Barnes and Jamie Dunmore, Gains launched in May 2026 and within the first month surpassed over 6,000 downloads.

Cashback as part of how people manage money

For Gains, cashback isn't a standalone feature, it's woven into how the app helps people manage their finances day to day.

The rewards run through Tillo's gift card infrastructure, which means users receive their cashback immediately and reliably. There are no broken tracking links, no pending claims, and no payouts that quietly fail. That reliability matters because the goal isn't a one-off saving - it's getting people to change how they think about spending over time.

Personalisation powered by open banking and Tillo's brand network

Personalisation is what makes Gains different. The app's AI reads a user's open banking data to understand where their money actually goes, then highlights the cashback they're leaving on the table.

When someone does their weekly shop at a partner retailer, Gains can show them exactly how much they'd have earned by routing that spend through the app - turning an abstract idea of "saving money" into something concrete and actionable.

Tillo's breadth of brands is what makes this work at scale: the more of a user's real spending the network covers, the more value Gains can surface.