Bill decoder and price negotiator

The AI that phones your provider and asks for a better price

Upload any utility bill. Fixplo reads every line, works out what your plan should cost today, then calls your provider and negotiates while you listen in.

  • Phone
  • Internet
  • Electricity
  • Water
  • Gas
  • Insurance

Why this exists

Staying put is the expensive option

Providers keep their better prices for the people who ask. These are published figures for the UK market, not our own claims.

£4.1bn

Lost each year by customers who stay with their existing supplier, across mobile, broadband, home insurance, mortgages and savings.

Citizens Advice super complaint, 2018

£877

The average yearly loyalty penalty per household, which is roughly three percent of everything a household spends in a year.

Citizens Advice, 2018

£325

The typical yearly saving on mobile and broadband for people who do renegotiate. Around 18 percent of people never negotiate or switch at all.

Citizens Advice, September 2025

Those are market averages, and they are somebody else’s research. Your number is whatever your own bill says once Fixplo has read it.

How it works

Three steps, and one of them is a phone call

01

Upload

A photo or a PDF, from any country, in any language. Several pages are fine. Nothing needs retyping.

02

Decode

Every line item explained in plain language, with expiring discounts, estimated readings and quiet price rises called out.

03

Negotiate

Set a target and a walk away price. Fixplo calls your provider, says it is an automated assistant, and stays inside your limits.

The part nobody else does

Watch the negotiation happen

The transcript updates while the call runs. If you do not like where it is going, take it over or end it.

Live voice negotiation
AI disclosed
  • Fixplo

    Good morning. This is an automated assistant calling on behalf of the account holder, with their authorisation. This call is being recorded.

  • Provider

    Understood. How can I help today?

  • Fixplo

    The account has been out of contract since March and is paying the standard rate. Your published rate for the same speed is lower. We would like the account moved onto it.

  • Provider

    I can offer a twelve month term at a reduced monthly rate.

  • Fixplo

    That is inside the limit the account holder set. Please confirm there is no setup fee and no mid contract price rise.

Deal state

Paying now
£62.00
Walk away above
£45.00
On the table
£38.00

You stay in control

  • Accept the offer on the table
  • Take the call over on your own phone
  • End the call at any moment

Illustration of the live call view. The figures shown are examples, not a customer result.

Rough maths

What the gap might look like

A quick sense of scale before you upload anything. The honest version comes afterwards.

Possible yearly reduction

£54 to £151

This is a range drawn from published loyalty penalty research, not a quote and not a promise. Fixplo only shows you a real figure once it has read your actual bill, and it will tell you plainly when there is nothing worth negotiating.

Estimate onlyYour bill decides the real number

What you get

Built around the awkward phone call

Line by line decoding

Each charge is traced back to the place on your bill it came from, so you can check the reasoning rather than trust it.

It makes the call

Most people never negotiate because the call is tedious. Fixplo waits in the queue and does the asking for you.

Step in whenever

Watch the transcript as it happens. Accept an offer, move the call to your own phone, or end it outright.

One view of everything

Phone, internet, power, water and insurance in a single portfolio, with a note of when each one is worth revisiting.

Private by default

Bill images are analysed and then discarded rather than stored. Nothing about you is sold, indexed or shared.

Built for more than one market

Multiple currencies and languages, including right to left layouts, because bills do not stop at one border.

Trust

An AI calling on your behalf needs rules

Letting software speak for you is a real thing to ask of someone. Here is what it will and will not do.

The AI says what it is

Every call opens by stating that the caller is an automated assistant acting with your authorisation. It never pretends to be you.

Calls are recorded in full

The whole conversation is yours afterwards, including the parts where the negotiation did not go your way.

GDPR and encryption

Data is encrypted in transit and at rest. You can delete everything Fixplo holds about you at any time, without asking first.

No invented savings

If your plan is already competitive, Fixplo says so and makes no call. A number you cannot check is worse than no number.

Start with one bill

Pick the bill that annoys you most. Reading it costs nothing, and within a minute you will know whether there is anything worth calling about.