MoneyHQ

Use this when someone in the UK says what they pay now for broadband, a SIM only plan or a phone contract and wants to know if they are overpaying, could pay less, or should switch. Sets their monthly price against the cheapest comparable deal in MoneyHQ's live feed (at least as fast, or at least as much data) and returns the saving in pounds over that deal's contract, per month and per year, with every step of the sum shown. Broadband needs a full postcode; ask for their current speed (or data allowance) and how many months are left on their contract to compare like for like. Their figure is held flat and the deal includes its stated price rises; cashback is never subtracted. If they share a photo or PDF of their bill, read the figures off it (monthly price, speed or data, contract end date) and pass those: only the figures are sent, never the image. The postcode is used once and never stored.

check_if_overpaying

Use this when someone in the UK asks which banks pay you to switch, or for current account switching bonuses. UK current accounts that pay to switch, from MoneyHQ's checked records, highest bonus first among offers open to most people, then offers open only to some (such as Premier customers only), labelled: the bonus, the conditions to get it and the deadlines, the monthly fee, when MoneyHQ last checked it against the bank's own page, and a link. Where William, MoneyHQ's deal editor, has reviewed the bank, his verdict is quoted with a link.

bank_switch_offers

Use this when someone in the UK asks about cheaper broadband for people on benefits, social tariffs, essential or basic broadband, or help with bills on Universal Credit or Pension Credit. Lists every social tariff on Ofcom's published list with its monthly price, speed and where it is offered, cheapest first, with who qualifies and the date Ofcom last updated the list. Optional filters: highest price, minimum speed, a place name (UK-wide tariffs are included either way), one provider. Asks nothing about the person's benefits; nothing is stored.

social_tariffs

Use this when someone in the UK asks whether to buy a phone outright and add a SIM only plan, or take it on a pay monthly contract. Works out both over 24 months from MoneyHQ's live feed: the cheapest 24 month contract for that handset, against the outright price plus the cheapest 24 month SIM only plan with at least the same data, stated price rises included, with the working shown. The outright price is the maker's own UK store price for the same storage, from a list MoneyHQ checks by hand and dates (Apple, Samsung and Google phones the partner carries); where it holds none, or the user gives their own price, pass outright_price_gbp and the answer labels it as theirs.

outright_vs_contract

Use this when someone in the UK has had, or expects, a mid-contract price rise on broadband or mobile, or asks if they are out of contract or can leave without an exit fee. Applies Ofcom's published rules to their dates and figures: since 17 January 2025 any rise must be set out in pounds and pence before signing; a rise the contract did not set out, or one bigger than it said, can be escaped within 30 days of being told; out of contract there is no exit fee. Returns whether they can leave free and until when, the rise in pounds a month, a year and to the end of the contract, the working, and Ofcom's sources. Ask when they signed, the contract length, what the contract said about rises, and the old and new monthly prices. Nothing is stored.

check_price_rise

Use this when someone wants to check all their household bills in one go. The link to MoneyHQ's free Bill Audit on moneyhq.uk, which walks through broadband, mobile, SIM and energy bills to see whether the same thing costs less on today's deals. Takes no input and collects nothing in the chat.

bill_audit_link

Use this when someone wants broadband deals they have already seen set side by side. Side by side comparison of two to five broadband deals by their deal ids (from search_broadband): monthly price, setup fee, total contract cost with stated rises, average monthly cost, speeds, contract length and any reward, with which is cheapest over the contract and which is fastest. Pass the same postcode to re-read the deals live there.

compare_broadband

Use this when someone in the UK asks what their gas and electricity cost on the price cap, what the cap means for their bill, or how to get an energy quote. Works out the yearly and monthly cost at their own usage in kWh (from a bill or annual statement), or at Ofgem's typical usage, from Ofgem's published cap rates for Direct Debit, with every step shown and the dates the rates apply. It does not quote tariffs in the chat: a priced quote needs the home's address, so the answer links to MoneyHQ's page where the quote is done with its energy partner. Nothing is stored.

energy_price_cap

Use this when someone asks what a broadband term means. Explain one broadband term from MoneyHQ's fixed glossary, such as full fibre, mid-contract price rises, setup fees or switching. Only the glossary's own wording is returned.

explain_broadband_term

Use this when someone in the UK asks for a SIM only deal, the cheapest SIM, more data for less, or a plan on a particular network. UK SIM only deals from MoneyHQ's comparison partner, read live. Optional filters: network, minimum data, unlimited only, highest monthly price, contract length. Each deal gives the monthly price, data, contract length, every stated mid-contract price rise, the total contract cost with those rises, a deal id and a link to its MoneyHQ page. Ranked by average monthly cost over the contract. Where William, MoneyHQ's deal editor, has written a guide to the network, his verdict is quoted with a link.

find_sim_deals