How the pilot works.
Updated 12 September 2026
A planning tool
DUERIQO records what you expect or have agreed to pay. It does not pay creditors, change a Direct Debit, negotiate a repayment agreement, provide a credit score or act as your bank.
Check the agreement
Check amounts, dates and instalments against your creditor’s confirmation. An AI suggestion, postcode match or estimated payment is not proof of a debt. Recording “paid” is your own record unless a bank transaction has been reviewed and matched.
Reminders
Browser alerts work while the app is open. Calendar imports require your calendar’s notification permission and do not update automatically when you edit a bill. Phone settings, time zones and notification permissions can affect delivery. The pilot does not guarantee that a payment will never be missed.
Your money stays in your bank
Earmarking funds in DUERIQO is a planning record. It does not reserve or transfer money. A suggested amount left over depends on the information you have entered and may exclude bills or essentials you have not added.
No automatic subscription
The private pilot is free. Future prices are proposals, and no payment starts without a separate purchase. Full subscription terms and cancellation instructions will be provided if paid plans launch.
When you need help paying
Contact your creditor if an agreed payment is unaffordable. Free debt guidance is available through MoneyHelper’s debt advice locator.