BOCY scans all your accounts, finds your highest impact moves, and works with you to optimise your money.
// how a conversation works
01 · You ask
Just say it. Bocy connects to your accounts via Open Banking and instantly understands your full financial picture.
02 · Bocy digs
Bocy doesn’t just list choices. It calculates the real pound-for-pound impact of each one, then explains it like a friend would.
03 · You decide
Bocy suggests. You choose. Modify the amount, reject it entirely, or approve with one word. Your money, your call.
04 · Done
Bocy executes instantly, confirms it’s done, and proactively comes back next month to keep you on track. No app to open. Just talk.
// real conversations, real results
Bocy adapts to your life, not the other way around. Here’s what those conversations sound like.
“Bocy, I got paid £4,200 this month but nothing’s coming in for six weeks. What do I do?” Bocy mapped out exactly where to park it and how much to keep liquid.
“Where’s all our money going?” Bocy found £200/month in subscriptions, insurance overlap, and a savings account paying 0.5% when 4.65% was available.
“I owe £3,800 and I don’t know where to start.” Bocy built a payoff plan in 30 seconds. No judgement. No jargon. Just a clear path out.
// why it works
The difference is how it feels.
No menus, no dashboards, no learning curve. Just ask Bocy a question about your money and get a real answer in seconds.
Your bank shows a balance. Bocy shows you that paying your credit card saves £127 more than adding to savings. And proves it.
Nothing moves without you saying so. 256-bit encryption. FCA-regulated Open Banking. Your data is never sold. Ever.
BOCY finds the moves you’re missing, ranked by how much they save you.