Lodo

What Lodo does

Lodo is an AI-powered financial comparison and switching service that targets UK household consumers via a WhatsApp-native chatbot. The service helps individual users find and switch to better deals on mobile phone plans and energy tariffs, with an opt-in Gmail integration that scans the user's inbox for emails from known energy suppliers, mobile networks, and broadband providers to automatically detect existing household plans. The product retains conversation history and credit-check data for the duration of the account so that future switches can be completed without re-entering information. A certified secure payment and automation vault provider handles full card numbers, CVVs, and provider credentials, while Lodo itself only retains structured plan data.

The platform is built around a conversational AI chatbot that combines NLP, a recommendation engine, and process automation to execute switches on behalf of users after explicit confirmation. For mobile switching, Lodo acts as the user's agent and submits payment, address, and provider credentials to third-party providers. For energy switching, personal data is shared with a UK-based switching partner that obtains quotes, performs credit checks, executes supplier changes, and sets up Direct Debits. The Terms explicitly disclaim FCA authorisation, guaranteed savings, and AI accuracy.

Lodo generates revenue exclusively through commission payments received from some of the mobile and energy providers featured on the platform when users complete switches. The service is free for end users, and commissions do not affect the price users pay. Lodo is registered as LODO TECHNOLOGIES LTD (company number 17000602) in England and Wales, with its registered office at Senna Building, Gorsuch Place, London, E2 8JF. Operating geography is currently restricted to England, and no funding rounds, management team, or financial figures are disclosed.

Name

Lodo

Legal name

LODO TECHNOLOGIES LTD

Website

https://joinlodo.com

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

Lodo is an AI-powered financial comparison and switching service delivered exclusively through WhatsApp, targeting UK household consumers. The platform automatically detects current mobile and energy plans via Gmail integration and executes switches on users' behalf, generating revenue through provider commissions rather than user fees.

Ownership category

akta.pro rank

Product category

Personal Finance Comparison and Switching

NAICS

Other Personal Services (8129)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

VoIP Access & ITSP Services (HDAIAHAD)

Keywords

• Bill switching service
• Price comparison platform
• Household bill optimisation
• Energy tariff comparison
• Mobile plan switching

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Commission from Providers: Lodo receives commission payments from some of the mobile and energy providers featured on its platform when users complete a switch through the service. This is the primary revenue stream. The service is free for end users, and commission does not affect the price users pay.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Lodo is an ongoing AI-powered comparison and switching service accessible primarily through WhatsApp that helps UK consumers find better deals on mobile phone plans and energy tariffs. The service uses a chatbot to search, compare, and execute switches on behalf of users after explicit confirmation, and can proactively detect existing household plans via a read-only Gmail integration. It retains user conversation history and preferences to provide continuity of service for faster future switches.

Product overview

Lodo is a single AI-powered financial optimization product delivered exclusively through WhatsApp. The core offering is an AI chatbot assistant that proactively helps users manage their finances through daily features: Monday money checks, subscription cancellations, bill auto-optimization, loyalty card management, and budget conversations. Lodo operates as an ongoing comparison and switching service, helping users find and switch to better deals on mobile phone plans and energy tariffs. The product retains user conversation history and preferences for continuity across future switches.

Differentiator

Problem solved

Functional benefit

Products and services

• Lodo AI Assistant (WhatsApp chatbot) AI-powered financial assistant chatbot accessible via WhatsApp that proactively optimises UK household finances through automated weekly features (money checks, subscription cancellations, bill auto-optimisation, loyalty card management, and budget conversations). Users interact entirely via WhatsApp with no app download required.
• Mobile Switching Service Service that searches, compares, and executes switches of mobile phone plans on behalf of UK consumers after receiving explicit confirmation. Lodo acts as the user's authorised agent to submit payment details, delivery address, and provider credentials to third-party providers via a certified secure vault.
• Energy Switching Service Service that shares user personal data with an energy switching partner to obtain quotes, perform credit checks, execute energy supplier switches, and set up Direct Debits with the new supplier. Credit check data is retained for the duration of the account; bank details are never stored by Lodo.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Google (Gmail API)coreTechnology or IntegrationGmail integration allows users to connect their Gmail account via OAuth (gmail.readonly scope) for automatic detection of current household plans. Lodo searches inbox for emails from known energy suppliers, mobile networks, and broadband providers. Email content is processed in memory only and discarded immediately; only structured plan data is retained.
• Secure Payment and Automation Vault ProvidercoreTechnology or IntegrationCertified secure vault provider handles all full payment details (card numbers, CVVs, bank details) and provider credentials. Lodo never stores these sensitive details. Bank details are re-collected each time a user switches.
• Energy Switching PartnercoreTechnology or IntegrationUK-based switching partner used to obtain energy quotes, perform credit checks, execute energy switches, and set up Direct Debits with new suppliers. Lodo shares personal data with this partner for these purposes.

Expansion highlights4 records

Direct peers

• Look After My Bills: UK bill-switching service that proactively moves users onto better tariffs for energy, broadband, and mobile. Closest behavioural peer to Lodo's 'ongoing' switching model, with similar commission economics and target household segment.
• WeFlip: UK utility switching platform that automatically moves consumers to cheaper energy tariffs. Direct competitor to Lodo's energy switching service with a similar recurring, opt-in switching model.
• Uswitch: UK price comparison and switching platform for mobile, energy, broadband, and other household services. Directly comparable to Lodo's mobile and energy switching core, though delivered via traditional web/app rather than WhatsApp.
• Switchcraft: UK mobile phone plan comparison and switching service. Direct competitor to Lodo's mobile switching service, focused on the same consumer segment and revenue model.

Broad incumbents

• MoneySupermarket: One of the UK's largest price comparison platforms across insurance, energy, broadband, and mobile. Overlaps directly with Lodo's mobile and energy switching categories as part of a much broader financial services comparison portfolio.
• Compare the Market: Major UK comparison marketplace with strong consumer brand recognition across energy, broadband, mobile, and insurance. Overlaps with Lodo in mobile and energy switching within a much broader offering.

Emerging players

• Plum: UK AI personal finance app that automates saving, budgeting, and bill-switching recommendations via a conversational and app-based interface. Comparable to Lodo on AI-driven consumer financial automation and UK household focus.
• Chip: UK AI-powered savings and personal finance app that uses automated workflows to optimise household finances. Comparable to Lodo as a UK-based AI consumer finance product targeting similar household money-management use cases.
• Cleo: AI-powered personal finance chatbot that helps users track spending, budget, and manage bills through a conversational interface. Comparable to Lodo on the AI chat and consumer personal-finance angle, with overlap in subscription and bill management.

Regional players

• Rocket Money: US-based subscription and bill management service (formerly Truebill) that helps consumers cancel subscriptions and find savings. Closely comparable product behaviour to Lodo's subscription and bill features but operates in a different geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/JoinLodo

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Lodo