Nous

What Nous does

Nous is a London-based fintech (legal entity: Eighteen and a Half Limited, UK company number 13236360) founded in 2021 that operates a household bill management platform for UK consumers. The platform automatically tracks a user's energy, broadband, mobile, and mortgage providers via open banking integration with Tink AB, surfaces better contracts or renegotiated terms, and acts as a proxy agent to switch providers on the customer's behalf. Two consumer tiers are offered: a free Nous Free tier (typical savings of £310 per year) and a paid Nous Premium tier at £6.99/month (typical savings of £960 per year) that adds unlimited household logins, WhatsApp support, and cash rewards funded by provider switching commissions.

The company operates a hybrid go-to-market. On the consumer side, distribution is product-led via the self-serve web app at app.nous.co, supplemented by an influencer and affiliate program at influencers.nous.co (£1 per click). On the B2B side, Nous for Business is a sales-led channel that packages Nous as a below-taxable-threshold employee financial wellbeing benefit; it is currently active with 70+ employer partners including Network Rail, IAG Loyalty, Monzo, UNiDAYS, Peabody, Notting Hill Genesis, Naked Wines, Thirdfort, and Futureheads. The company has helped over 500k UK households according to its homepage, achieved B Corp certification in November 2023 (B Impact Assessment score 86.9), and is FCA-regulated via its open banking integration. Funding to date is a single $9m seed round in February 2022 led by Mosaic Ventures with angel participation from Monzo and GoCardless co-founders; leadership comprises co-founders Greg Marsh (CEO), Christian Hølmer (CTO), and Jon Rudoe (CCO).

Name

Nous

Legal name

Eighteen and a Half Limited

Website

https://nous.co

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Nous is a London-based fintech that operates an AI-powered household bill management platform, automatically tracking energy, broadband, mobile, and mortgage providers and switching customers to better deals, serving UK consumers directly and via an employer-funded B2B employee benefit now live with 70+ companies.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

akta.pro primary industry

Network Operations Outsourcing (NOC Services) (BPAEAMAD)

Keywords

• Household bill management
• Utility switching services
• Personal finance platform
• Consumer savings app
• Bill management software

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Premium Subscription: Nous Free tier (free forever) and Premium tier at £6.99/month. Premium offers unlimited services managed, unlimited household logins, WhatsApp support, and cash rewards for switching. Revenue comes directly from monthly subscription fees.
2. Commission from Providers: Some service providers pay Nous a commission for transferring supply. This commission is passed on to customers as rewards (cash rewards on premium tier). On free tier, savings come from switching to cheaper tariffs only.
3. Employer/Enterprise Subscriptions: Nous for Business offers free employer-subsidised access to employees. While described as free for employers, this creates B2B relationships and employee onboarding that drives premium conversions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Nous provides an AI-powered household bill management platform that automatically tracks UK household providers, finds better deals and exclusive tariffs, and acts as a proxy agent to negotiate, switch, and manage energy, broadband, mobile, and mortgage contracts on behalf of users. It sells this to consumers through a freemium app (Nous Free and Nous Premium at £6.99/month) and to employers through Nous for Business as an employee financial wellbeing benefit.

Product overview

Nous is a UK-based household bill management platform offering two service tiers: a free tier (Nous Free) managing key bills including energy, broadband, mobile, and mortgages with typical annual savings of £310; and a premium tier (Nous Premium) priced at £6.99/month providing unlimited service management, WhatsApp support, and cash rewards with typical savings of £960. The platform also includes Nous for Business, a B2B employee benefit program that allows companies to offer bill management services to employees at no cost. Nous differentiates by not profiting from promoting deals and passing switching commissions back to customers as rewards.

Differentiator

Problem solved

Functional benefit

Brands

• Nous for Business: A B2B offering that enables companies to provide Nous membership as an employee benefit to help staff save money on their household bills.

Products and services

• Nous Free Free forever tier of the Nous household bill management service for individual UK consumers. Manages up to two services with one householder login, automatically tracks providers, sends smart renewal reminders, and finds savings opportunities. Reports typical annual savings of £310.
• Nous Premium Premium subscription tier priced at £6.99/month for individual UK consumers. Includes unlimited services managed, unlimited household logins, choice of savings mode, smart reminders, WhatsApp chat support, and cash rewards for switching providers. Reports typical annual savings of £960.
• Nous for Business B2B employee financial wellbeing benefit that enables UK employers (HR / People teams) to offer Nous membership to staff at no cost to the employer. Used by 70+ companies including Naked Wines, Futureheads, Thirdfort, Monzo, Network Rail, UNiDAYS, Peabody, Notting Hill Genesis, IAG Loyalty, and AA.

Quantifiable outcome

• Average member saves £534 when using Nous
• +4 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core.

• Tink ABcoreTechnology or IntegrationOpen banking provider enabling Nous to access customer bank account data. Processes data as a controller with their own privacy policy. Essential for transaction analysis and savings identification.
• StripecoreTechnology or IntegrationPayment processor for handling subscription payments from premium customers. Processes payment information on Nous's behalf.
• Naked WinescoreGTM or Marketing PartnerEmployer partner offering Nous membership as an employee benefit. Multiple case study customers (Annabel, Martin, Julia) saved through this partnership.
• FutureheadscoreGTM or Marketing PartnerDigital and tech recruitment firm offering Nous as employee benefit. Case study customer Rob saved £1,030 through this partnership.
• ThirdfortcoreGTM or Marketing PartnerAML platform offering Nous to employees. Case study customer Liza saved £605 through this partnership.
• IAG LoyaltycoreGTM or Marketing PartnerLoyalty programme partner offering Nous membership to employees and members. Saved Georgina £700+ and Lydia £172.
• Network RailcoreGTM or Marketing PartnerGovernment-owned company offering Nous to employees as benefit. Saved Ben £126 and Vicky £600+.
• MonzocoreGTM or Marketing PartnerDigital bank offering Nous as employee benefit. Philippa saved £126 cash reward for moving energy supplier.
• UNiDAYScoreGTM or Marketing PartnerStudent membership platform offering Nous to employees. Kate Leatherland (Head of People) provided testimonial on thousands in potential savings.
• PeabodycoreGTM or Marketing PartnerHousing association offering Nous to employees. Saved Becky £300+ after moving house.
• Notting Hill GenesiscoreGTM or Marketing PartnerHousing association offering Nous to employees. Saved Diana £300+ on energy bills.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• uSwitch: Established UK price comparison platform owned by RVU (Zoopla group) covering energy, broadband, insurance, and financial services. Broader incumbent in the bill comparison and switching category with much larger scale but profit-driven (rather than consumer-aligned) model.
• MoneySupermarket: Leading UK price comparison website across insurance, energy, broadband, and financial products. Publicly listed broad incumbent overlapping with Nous across energy and broadband switching.
• Compare the Market: Major UK price comparison brand covering energy, broadband, insurance and more. Broad incumbent competitor in the household bill comparison space with established brand and large marketing budget.

Emerging players

• Cleo: AI-powered personal finance assistant helping consumers track spending, manage bills, and save money. Comparable as a consumer fintech targeting similar UK/US households with AI-driven financial management.
• Perkbox: UK employee benefits and wellbeing platform offering perks, recognition, and financial wellbeing tools to employers. Comparable on the B2B employer benefit side where Nous for Business competes for HR/wellbeing budget.

Direct peers

• Switchcraft: UK energy-switching service helping households find cheaper gas and electricity tariffs. Comparable in the bill-switching category with overlapping customer base and similar free-to-consumer model.
• WeFlip: UK bill-switching platform that automatically negotiates and switches household utilities to find better deals. Comparable freemium-style consumer bill management offering competing in the same UK market.
• Look After My Bills: UK household bill management and auto-switching service for energy, broadband, and other utilities. Closest direct competitor to Nous with a similar value proposition of automated savings and switching on behalf of consumers.
• SpritEnergy: UK energy switching specialist assisting households with finding and switching to better energy tariffs. Direct peer operating in the same UK utility switching space as Nous's energy offering.
• Flipper: UK-focused household bill switching and savings service covering energy, broadband, and other utilities. Direct peer offering similar automated bill management with comparable target customer of cost-conscious UK households.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/get_nous
• Facebookfacebook.com/nous.for.your.house
• LinkedInlinkedin.com/company/nousuk
• Instagrambit.ly/3jwhpQj

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nous