Caira can make you feel safer and more confident with their money, from the first paycheque to retirement. Chat to her 24/7 for instant answers and drafts for savings, investments, taxes, trusts, mortages and inheritence. She's your new super power!

You can also upload your own DOCX files, PDFs, screenshots and photos. Caira reads the relevant parts alongside your question to give clearer, more contextual responses.

Caira makes things clearer, step by step, in plain English—so you can move forward with confidence. Behind the scenes, Caira is grounded in more than 10,000 legal documents, judgments and financial services materials for England and Wales.

Who this is for
Consumers in the UK comparing banking products (savings accounts, ISAs, credit cards) and wanting clearer explanations before they choose.

Anyone who finds financial jargon confusing (APR vs AER, fixed vs variable) and wants it explained in everyday language. - People who prefer a simple checklist before visiting a bank/building society website or speaking to a provider.

How Caira Can Help You Right Now
- Instant, clear answers: Ask any question about savings, credit, ISAs and day‑to‑day banking. Get straightforward, UK‑specific explanations—no jargon.

- Document review: Upload provider summaries, rate sheets or terms (redact sensitive data). Caira explains what the small print means and what to check.

- Uploads that work: Send DOCX, PDFs, screenshots and photos; Caira reads the relevant parts while it answers your question.

- Grounded answers: Caira is backed by 10,000+ legal documents, judgments and financial services materials for England and Wales.

- Comparison checklists: Before you choose, get a short list of what matters—AER vs APR, fees, withdrawal rules, eligibility, and FSCS protection.

- Step‑by‑step guidance: From opening a Cash ISA to transferring one, or preparing to speak to your bank, Caira helps you plan the next actions.

- Helpful reminders: Note cooling‑off periods, transfer windows, and payment due dates so you don’t miss something important.

You deserve to understand your options. Caira breaks down banking and consumer finance in the UK so you can make sensible decisions—at your own pace.

Real‑Life Examples

• Picking an emergency‑fund ISA:
  Imagine your boiler breaks down in January and you need quick access to your savings. You’re considering a Cash ISA but aren’t sure which type suits you. Caira explains the difference between easy-access ISAs (where you can withdraw funds without penalty) and fixed-rate ISAs (which often offer higher interest but lock your money away for a set period). You’ll learn what AER means, how withdrawal rules work, and why some providers might limit the number of withdrawals. Caira then reminds you to check the latest rates and terms directly on the provider’s website before you open the account.

• 0% purchase credit card:
  You want to buy a new washing machine and spread the cost over a year. The shop offers a 0% purchase credit card, but you’re unsure about the details. Caira breaks down the difference between a 0% purchase card (for new spending) and a balance transfer card (for moving existing debt). You’ll see what happens when the 0% period ends—like the revert APR kicking in—and what fees might apply. Caira also explains how missing a payment could mean losing the 0% offer and damaging your credit score, so you know what to watch out for.
  
  

• Moving savings from a fixed‑rate bond:
  Your two-year fixed-rate savings bond is about to mature, and you’re deciding what to do next. Caira helps you compare options: should you roll over into another fixed-rate bond, or switch to an easy-access account? You’ll get a summary of notice periods, penalties for early withdrawal, and how interest rates compare. For example, if you’re planning a holiday or home repairs, Caira might highlight the flexibility of easy-access accounts—even if the rate is a bit lower.
  
  

• Wealth management vs investment banking:
  You’ve received a letter from your bank offering “wealth management” services, but you’re not sure what that means. Caira explains that wealth management is for individuals and families who want help with financial planning, investments, and pensions. Investment banking, by contrast, is for businesses dealing with mergers, acquisitions, or raising capital. So if you’re looking to grow your savings or plan for retirement, wealth management is the relevant service.
  
  

• Understanding FSCS protection:
  You’ve got savings with two different brands, but you’ve heard they might be part of the same banking group. Caira explains how the Financial Services Compensation Scheme (FSCS) protects up to £85,000 per person, per authorised bank or building society. If both brands are under the same group, your total protection might be capped at £85,000. Caira helps you check which brands are linked, so you can spread your savings if needed.

How to Get Started—It’s Simple
Begin by telling Caira what you’d like to achieve or what challenge you’re facing—whether it’s choosing a savings account, understanding a credit card offer, or making sense of banking jargon.

1. If you have documents—like rate pages, key facts, or terms—you can upload them (just redact any personal details). This helps Caira give more relevant answers.
   
   

2. Ask your questions, such as “Which ISA suits my emergency fund?”, “Are there any catches with this 0% card?”, or “What does ‘representative APR’ mean?”
   
   

3. Caira will help you build a checklist of features to compare, so you can review and verify details on the bank, building society, or government website.
   
   

When you’re ready, use Caira to draft questions for your provider, plan a transfer, or prepare for a conversation with a regulated adviser if you need tailored advice.

Caira vs. ChatGPT: ChatGPT is excellent for general conversation and follow‑up questions. For UK consumer finance, Caira focuses on plain‑English explanations grounded in how banking and savings products work in practice in the United Kingdom. You can upload relevant documents, ask about your situation, and get responses shaped around UK terms and consumer journeys. Use both wisely:

Use Caira to clarify banking jargon, build comparison checklists, and plan your next steps.

Why Caira?
Caira is a live product by Unwildered — loved and used every day by our users. It’s not a prototype, sandbox pilot, beta, experiment a project for testing or proof‑of‑concept. Any consumer or small business in the United Kingdom or worldwide can sign up to Caira and start chatting instantly.

A note on performance and infrastructure
Caira runs on NVIDIA H100 and H200 GPUs and is hosted on Microsoft Azure. We use the latest generative ai and large language models by OpenAI.

FAQ
- Is this financial advice? No. Caira can help you understand options and prepare questions. For tailored recommendations, speak to a regulated financial adviser.

- Do you train on user's data? No. We are a privacy first organisation. We don't do train ai models on users' documents or conversations with Caira.

Disclaimer: This article is for general information only and is not financial advice. Caira and Unwildered are not authorised or regulated by the Financial Conduct Authority (FCA). If you need personalised recommendations, speak to a regulated financial adviser. Always verify specific product details (rates, fees, eligibility) on the official bank/building society or government website.