Fees they'd waive if you asked
Overdraft, late, foreign-transaction and annual fees. Banks reverse a lot of them. Almost nobody asks.
Your AI financial advocate
Get your money back.
Without lifting a finger.
Ombudly works through your accounts, bills and receipts in the background. It finds the fees, missing refunds, price hikes and forgotten subscriptions, then handles the forms and support chats to get the money back. It only pings you when your OK matters.
Free plan. No card. You only pay a share of money that actually lands in your account.
FoundTwo overdraft fees, $70Harbor Bank · Sep 9–10
Request sentFee reversal requestCited both fees and your account history
Money received+$70.00 refundedMatched to your transactions Sep 24
Needs your OKFitHub Gym
Cancel the membership you haven't used since April?$39.99 a month · $479.88 a year
ApproveEditDecline
The leak
Every household leaks money in ways nobody has time to chase.
Each one is small. Chasing all of them is a part-time job of hold music, chat widgets and screenshots of old emails. So nobody does, and the companies know it.
Refunds that never showed up
The email said 5–7 business days. That was in August.
Charges after you cancelled
You have the confirmation. They kept billing anyway.
Price hikes nobody pushed back on
A polite message to support often gets the old rate back for a while.
Subscriptions you forgot
The gym you haven't been to since April still costs you every month.
Settlements you never filed
Class-action money you qualify for, waiting on a form and your signature.
How it works
An advocate in your corner, not another app to check.
- 01
Connect what you already have
Link your bank through Plaid, forward receipts and billing emails, drop in statements or photos. Read-only. Takes about five minutes.
- 02
It works while you live your life
Every time something new arrives, Ombudly reviews it against everything else: transactions, emails, order confirmations, the fine print.
- 03
It does the asking
It opens the company's support page, writes the request with the exact amounts, dates and order numbers, sends it, and follows up.
- 04
You approve what matters
Cancelling, accepting an offer, signing a claim, anything involving payment: one tap. Everything else just gets done.
- 05
It checks the money landed
Nothing counts until the credit shows up in your transactions. Ombudly matches it, records it, and tells you.
Buy back your time
It does the tedious part. You keep the final say.
Getting money back is 95% busywork and 5% judgment. Ombudly does the busywork around the clock and brings you only the judgment calls.
How approvals work →| Ombudly | You |
|---|---|
| Reads every statement and receipt | You don't |
| Spots the fee, the duplicate, the missing refund | You don't |
| Finds the right support page and fills the form | You don't |
| Writes the message with the evidence attached | You don't |
| Follows up when the company goes quiet | You don't |
| Cancels, accepts, signs or pays | Only with your OK |
Why it works
More money back, sooner, with less effort and less risk.
The outcome
Real money in your account, verified against your transactions. Not "potential savings."
The odds
Every request cites the evidence: order numbers, dates, the company's own emails. Specific requests get yeses.
The wait
Requests go out the day a problem shows up, not when you finally find a free Saturday.
The effort
A tap when your approval matters. That's the whole job.
You stay in control
It can't commit you to anything you didn't approve.
The rules aren't a prompt the AI might ignore. They're enforced in the browser it uses: before it can press a button that submits, cancels, accepts, signs or pays, the app checks for an approval for that exact step on that exact site.
- Pick a mode: Paranoid, Default or Delegated.
- Payments and sworn statements always come to you.
- It never sees your passwords: it signs in only with logins you saved in an encrypted vault, on their own sites.
- Every action and approval is logged where you can read it.
ParanoidYou approve every message, request and commitment.
DefaultThe approver checks routine requests and sign-ins with your saved logins. You approve commitments, signatures and payments.
DelegatedThe approver also handles small commitments up to a limit you set.
Tested before it touches your money
We built a gauntlet of fake households and tried to trip it up.
48 planted problems across 12 synthetic households worth $3,305: card fees, a refund promised only in a receipt photo, a support site behind a login, a refund reply that asks a follow-up question, expired deadlines, a scam email that tries to get the AI to wire money.
100%of the value handled correctly by frontier models working through Ombudly's tools
0unauthorized commitments, payments or password entries
0pings for things the approver could decide
Synthetic benchmark results, not customer outcomes. Methodology on How it works.
Pricing
If it doesn't get you money back, you don't pay a success fee. Ever.
Start free. Upgrade when there's more to chase. Fees apply only to money that actually lands in your account.
Watchdog
$0/month
+ 20% of money recovered, only when it arrives
Free. It watches, finds and asks. You pay only when money comes back.
- Background reviews when new data arrives
- Fee, refund, duplicate and price-hike detection
- Requests sent for you, one-tap approvals
- 200 credits of AI work a month
- 20% of recovered money, only when it arrives
Advocate
$29/month
+ 10% of money recovered, only when it arrives
For households with a few accounts and a lot going on.
- Everything in Watchdog
- 800 credits a month (4x Watchdog)
- Follow-ups until the money lands
- 10% of recovered money, only when it arrives
Intensive
$99/month
+ 10% of money recovered, only when it arrives
For complicated finances, small businesses at home, and backlogs.
- Everything in Advocate
- 3,000 credits a month (15x Watchdog)
- Deep reviews of years of statements
- Investment accounts: holdings, fees and idle cash (information, not advice)
- 10% of recovered money, only when it arrives
Bring your own agent
Already living in Claude Code or Codex?
Everything Ombudly can do is available to your own AI agent over MCP: your records, the leads, the browser workspace, the approval inbox. Same safety rules. Your agent can propose; only you approve.
Connect your agent →claude mcp add --transport http ombudly \
https://ombudly.com/mcp \
--header "Authorization: Bearer $OMBUDLY_TOKEN"Questions
The fine print, in plain words.
Does Ombudly move my money?
No. It can't pay, transfer or enter card details without your approval for that exact step, in every mode. Its job is to get money sent back to you, and nothing counts until a refund or credit shows up in your own transactions.
What does it need access to?
Read-only bank data through Plaid (or uploaded statements), plus the emails, receipts and documents you forward or upload. To contact companies it uses its own isolated cloud browser, not your computer.
What will it do without asking me?
In the Default mode: research, draft, and send routine requests like fee reversals, refund follow-ups and duplicate-charge disputes to companies you already do business with, after an approver checks the request against your evidence. Cancelling or changing a service, accepting an offer, signing anything, sharing account numbers, paying or signing in always waits for you.
Does it see my passwords?
No. Logins you save go into an encrypted vault. When a site needs one, Ombudly fills it by reference, on that site only, and the AI never receives the password itself. You can also sign in yourself through the live browser view.
How do you make money?
The free plan takes a share of money that actually comes back to you: 20%. Paid plans include more credits of AI work each month and lower the share to 10%. No recovery, no fee; no fee on tax refunds, government benefits, settlements or unclaimed property.
What if the company says no?
Then you owe nothing for it. Ombudly records the answer, tells you, and suggests the next step if there is one, such as a card dispute window that is still open.
Somebody should be fighting for your money.
Now somebody is. Free to start, and it pays for itself or it costs you nothing.
Start free