Lower your bills

Get hundreds of dollars back on bill payments per year with our partner, Billshark.

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Spend minutes to save hundreds


Average success rate


Average yearly savings


Successful negotiations

Bill Payment Tracker

Our bill tracker will help you become someone who doesn't overpay. Once you connect your bank accounts, PocketGuard starts working as a monthly bill organizer and automatically identifies recurring expenses. Besides, PocketGuard sends an email listing all bill providers you can lower every month.

Negotiate and lower your bills

Let Billshark do the talking. They'll negotiate with financial entities for you, and if they don't save your money, you won't give them a thing. Take simple steps to cut your recurring expenses and free up some money in your budget.

Pay on time, every time

Set up a bill payment schedule to find out what bills are due first. Get a reminder from PocketGuard when your bills are due so you don’t get late fees.

Lower your bills in 3 easy steps

Send in the shark

Sign up then sit back while Billshark does the hard work for you.

Save some cash

With a success rate of 80%, you can be pretty sure you’ll save some money.

Split the savings

Only if Billshark succeeds you'll give them a cut of your savings for up to 24 months.

Ready to lower your bills?

Frequently asked questions

How does the company negotiate bills?

The company completes this stage without the client’s involvement, which saves both time and nerves. Billshark calls a provider to discuss things instead of the client.

What do bill negotiations cost?

You pay for nothing except for negotiations that bring the desired results. That is the most important part, so the cost is justified. You will be charged 40 percent of how much you save on the specific provider with whom Billshark discusses your bills. The service period lasts no longer than two years. The company charges no extra fees after.


Old bill: $100 per month
New bill: $80 per month
Monthly savings: $20 per month
Savings over 24 months: $480
Billsharks share: $192 (40% of 24 month savings)
PocketGuard also receives a fee from Billshark.*

When are users charged?

Shortly after a bill negotiation is complete, Billshark will send you an invoice for the negotiation fee. This typically takes around 3 days, with payment due about 5 days later.

Some invoices, based on amount due, will include the ability to set up monthly payment plans.

What bills are negotiable?

The company deals with multiple types of bills, including payments for cable television, telecommunication, or WiFi services. By now, thirty-four providers of various services are included. Providers that specialize in delivering healthcare or utilities may be added to our list soon.

Why does Billshark need personal details?

In fact, the company does not insist that a client shares plenty of personal data. However, some details are still needed for proper functioning. For a successful negotiation, that is not Billshark that demands some of your personal details. It is the provider who may ask for some info, necessary to confirm the user’s account.

Your data will not be saved in our system forever.

Once the negotiation is over and everyone is happy with the results, Billshark erases personal data from its database. Billshark keeps personal info securely, never sharing it with any third parties. Read terms & conditions for more details about privacy and confidentiality.

What are the providers we can contact regarding your bills?

Negotiable services:

  • ADT
  • AT&T Wireless
  • AT&T Wireline
  • Atlantic Broadband
  • Bright House Networks
  • Cable One
  • CenturyLink
  • Charter Spectrum
  • Comcast (Xfinity)
  • Cox
  • DirecTV
  • Dish
  • Frontier Communications
  • Grande Communications
  • HughesNet
  • Mediacom Cable
  • Optimum
  • RCN
  • Rise Broadband
  • SiriusXM
  • Sprint
  • Suddenlink Communications
  • T-Mobile
  • Terminix
  • Time Warner Cable
  • U.S. Cellular
  • Verizon Fios
  • Verizon Wireless
  • Vivint
  • WOW! Internet
  • Wave Broadband
  • Windstream

How PocketGuard app can help lower your bills?

Our smart algorithm analyzes your transactions and finds recurring payments that our partner Billshark can reduce. Such offers are highlighted on the Transactions tab and also listed in the "Lower your bills" section so you can easily find them.

How to use PocketGuard to lower your bills?

You need to click on the offer and provide the necessary information about your bill. The negotiations will start after the request is submitted, and we will keep you informed of the process.

Pros and cons of lowering my bills in PocketGuard


  • Using the "Lower your bills" feature, you risk nothing. Our partner will do everything possible to negotiate the lowest price for your bill, but if negotiations fail, you will not be charged at all.


  • If negotiations are successful, your credit card will be charged 40% of all-time savings captured in 24 months as a one-time payment.

What steps should I take to lower my bills in PocketGuard?

To lower your bills, you need to find your bill provider in the “Lower your bills” section. Once the provider is found, just enter the amount of your bill, fill in its details, add the payment method, and wait for the negotiation result.

Should I attach my bill screenshot to start negotiations?

This step is optional, as you can manually enter all the necessary information later. If you do not want to attach a screenshot of your bill, just click on the "Skip this step" button at the bottom of the screen and move to the next step.

How to close "Lower your bills" banners in PocketGuard?

You can close the "Lower your bills" banner by clicking on the "Delete" icon. This icon can be found by swiping the banner below the transaction to the left.