£2,300
Average annual saving per business
73%
Of UK SMEs overpaying on at least one bill
100+
UK suppliers tracked and compared
£0
Cost to you. Free forever.
Completely free to use

We earn from suppliers.
Not from you.

Vpayit is free because our business model works differently. When you switch a supplier through us, that supplier pays us a small referral fee. You keep 100% of the savings. We never take a cut of what you save, and we never charge you for using the platform.

£0
Setup fee. Free to sign up, free to connect your bank.
£0
Taken from savings. You keep every penny we find.
£0
Paid to switch. No cost to action a saving.
Where we find savings

Six categories.
Real money back.

We track over 100 UK suppliers across every major bill category and surface the best available deals — not the ones that pay us the most.

Energy

Switch tariff.
Save hundreds.

Energy is typically the largest bill for most SMEs. Staying on a standard variable tariff can cost 20–35% more than switching to a fixed business energy deal.

£400–£1,200/yr typical saving
Octopus Business EDF Business E.ON Business British Gas Business SSE Business
🛡️
Insurance

Renew early.
Save up to 22%.

Auto-renewing business insurance typically costs 15–22% more than switching. Most SMEs auto-renew every year without comparing — and overpay without knowing.

£150–£600/yr typical saving
Simply Business Hiscox AXA Business Zurich Direct Line Business
📡
Broadband & Telecoms

Faster. Cheaper.
Better contract.

Business broadband contracts often roll over at full price. Newer providers offer significantly faster speeds at lower monthly costs — especially if you have been with BT or Virgin for over 2 years.

£80–£300/yr typical saving
Zen Business Hyperoptic Vodafone Business TalkTalk Business
♻️
Waste Collection

One of the most
overlooked bills.

Commercial waste collection prices vary significantly by provider and postcode. Most SMEs have never switched — and many are paying above-market rates without realising it.

£100–£400/yr typical saving
Biffa Veolia Suez BusinessWaste Local providers
💧
Water

Business water
is now competitive.

Since 2017, UK businesses can switch water supplier. Most haven't. Switching can reduce your water bill by 10–20% and unlock better service and billing terms.

£60–£200/yr typical saving
Castle Water Wave Everflow Business Stream
💻
Software & Subscriptions

Unused. Forgotten.
Still billing you.

The average UK SME pays for 3–5 software subscriptions they barely use. Vpayit spots every recurring software payment so you can decide what's worth keeping.

£120–£500/yr typical saving
Accountancy tools CRM platforms Design software Comms tools
How it works

How we find your savings.

Three steps. Under 3 minutes to get started. No spreadsheets.

1
Connect your bank
Link your business bank account securely via Open Banking. Read-only — we never move money. Supports NatWest, Barclays, HSBC, Starling, Monzo, Lloyds, and 40+ more.
2
We detect every recurring bill
Our engine scans your transactions and automatically identifies every recurring payment — energy, insurance, broadband, waste, software, rates. Categorised and organised for you.
3
We benchmark against the market
We compare what you're paying against live rates from 100+ UK suppliers. Where we find a better deal, we surface it with the exact saving — in pounds per year.
4
You switch with one click
When you're ready to act, we guide you through the switch. In most cases it takes under 5 minutes. Your new supplier takes care of the rest.
Example saving — Energy
Current (British Gas)
£342.50/mo
Octopus Business
£272.50/mo
Your annual saving
£840
£70 back every single month
Time to switchUnder 5 minutes
Cost to you£0 — completely free
Service disruptionNone whatsoever
Find savings like this for my business
Savings estimate

How much could you save?

Based on our data across thousands of UK SME bills. Actual savings depend on your current contracts.

Estimated annual savings by category
⚡ Energy — switching tariff £400 – £1,200
🛡️ Insurance — early renewal + comparison £150 – £600
📡 Broadband — switching provider £80 – £300
♻️ Waste collection — comparing local providers £100 – £400
💧 Water — switching supplier £60 – £200
💻 Software — cancelling unused subscriptions £120 – £500
Total potential saving £910 – £3,200/yr

Average across our user base: £2,300/year. Connect your bank to see your specific savings.

Calculate my exact savings — free
Common questions

Questions about savings.

Is Vpayit really free?
Yes. The core Vpayit platform — connecting your bank, detecting your bills, and showing you savings opportunities — is completely free. We earn a referral commission from suppliers when you choose to switch. You keep 100% of your savings. We never take a cut of what you save.
How do you find better deals?
We maintain a live database of rates from 100+ UK suppliers across energy, insurance, broadband, water, and waste. When we detect your bills via Open Banking, we compare what you're paying against current market rates. Where we find a better deal, we show you the exact saving — in pounds per year.
Do you recommend suppliers that pay you the most?
No. Our recommendations are ranked purely on price, contract terms, and supplier reliability — not on commission size. We never accept payments from suppliers to feature them higher. When we recommend a switch, it's because the data says it's the best deal for your business. See our About page for full details on how we make money.
Will switching suppliers cause any disruption?
For energy and broadband, there is typically zero service disruption. The new supplier handles the transfer process. You stay connected throughout. For insurance, you get a new policy before your old one expires. We guide you through every step to make sure there's no gap in coverage.
What if I'm mid-contract?
We always take your contract end date into account when surfacing savings. If switching early would incur an exit fee, we factor that into the saving calculation so you can see the true net saving. In many cases, even with an exit fee, switching early still saves money overall — especially for energy.
How long does it take to see my savings?
Under 3 minutes. Connect your bank, and Vpayit will automatically detect your bills and surface your savings opportunities immediately. No manual entry required.

Free. No card required.

Find out exactly how much you're overpaying.

Connect your bank in 3 minutes. We do the rest.

Find my savings — free Watch demo first