Question 1

Why do you charge per couple instead of per person?

Accepted Answer

Because relationships are partnerships. We believe pricing should reflect how couples manage money together—you're one financial unit. You also never have to worry about who pays for the subscription or splitting the cost.

Question 2

What happens during the free trial?

Accepted Answer

You get full access to all Premium plan features for 30 days with no credit card required. If you love plan/ria, continue with a paid subscription; if not, downgrade to our Free plan or cancel entirely.

Question 3

Can I change plans anytime?

Accepted Answer

Yes. You can upgrade, downgrade, or cancel at any time. Changes take effect immediately and we'll prorate any billing differences. Your financial tools should adapt with you.

Question 4

Are there really no hidden fees?

Accepted Answer

Yes—no hidden fees for normal use. Your subscription includes physical cards, domestic transactions, account maintenance, transfers between partners, and customer support. Extra charges only apply for excessive ATM usage (after 5 free per month), international transactions, or premium services like express card replacement.

Question 5

How does this compare to traditional banking costs?

Accepted Answer

plan/ria's Premium plan at £4.99/month per couple includes what you need for shared finances. Most traditional banks charge £10–15/month for premium accounts plus transaction and card fees; many couples save £20–30/month compared to separate premium accounts.

Question 6

What if my partner and I break up?

Accepted Answer

plan/ria includes separation tools to settle shared expenses and transition accounts. You can both keep using plan/ria individually or cancel entirely. There are no cancellation fees or penalties.

Question 7

Do I need a UK bank account to use plan/ria?

Accepted Answer

Currently, yes. plan/ria is designed for UK financial regulations and banking systems. We plan to expand to other countries based on demand. If you're interested in other markets, let us know.

Question 8

How secure is my financial data?

Accepted Answer

We use the same bank-level encryption and security protocols as major UK banks. We're regulated by the FCA and follow Open Banking standards. Your data is never sold, and you control exactly what you share with your partner.