Cap any merchant or category
Put a monthly limit on Deliveroo, Amazon, takeaways, rideshare, whatever you overspend on, by merchant or by whole category.
Declined in real time
Go over your limit and Perim declines the payment at checkout, as it happens. No overspend, no regret in the morning.
A once-a-month decision
You set your limits once a month. Once they're live they're locked, up or down, until they reset. That's the point: you can't talk yourself into more when the craving hits.
Block a habit entirely
Switch off a category like gambling completely. Nothing gets through until it resets the following month.
What you don't spend, you save
Money you don't spend is swept straight into your savings pots.
No loopholes
Limits sit on the account itself, not the app, so deleting the app changes nothing. Transfers to your own accounts elsewhere have a 24-hour cool-off; bills and payments to other people go straight through. More in our regulation and terms.