The Problem
Money leaves people's accounts silently — direct debits, subscriptions, and standing orders with no visibility before they go. Banks notify you after the transaction.
Overdrafts
Unexpected payments push accounts into the red.
Missed Priorities
Essential spending is disrupted by forgotten commitments.
Financial Stress
People react to money leaving — rather than controlling it.
The Shift: Control Happens Before
Today's financial tools are built around transactions, statements, and historical data. But real financial control happens before the payment leaves — and this moment is completely underserved.
The gap between when a payment is scheduled and when it leaves is where MDD operates — a space no existing tool has claimed.
The Solution
"Your bank tells you AFTER. We tell you BEFORE."
My Direct Debit Reminder (MDD) is a simple, scalable app that tracks upcoming payments and sends reminders before money leaves your account — with no bank integration required.
Track Upcoming Payments
All direct debits, subscriptions, and standing orders in one place.
Reminders Before Money Leaves
Alerts at 7, 5, and 1 day before each payment.
Instant Setup
Works immediately — no bank login or open banking required.
Why This Wins
MDD is built for real-world behaviour, not ideal behaviour. No friction, no barriers, no risk — just immediate value.
No Open Banking Friction
Users don't need to connect their bank account.
No Login Barriers
Simple email sign-up — live in under 30 seconds.
No Data Security Concerns
No sensitive financial credentials are ever shared.
Immediate Value
Users see the benefit within minutes of signing up.
The Product
Simple. Fast. Effective. MDD's dashboard gives users a clear view of what's coming out and when — with smart reminders synced to their calendar.
Key Features
- Add direct debits, subscriptions & standing orders
- Smart reminders: 7 / 3 / 1 days before payment
- Calendar & notification sync (Google, Outlook, Apple)
- Multi-currency support (15+ currencies)
- Overview dashboard with upcoming payment totals
Multi-Currency & Global Reach
MDD supports 15+ currencies out of the box — from GBP and USD to NGN, KES, and GHS — making it immediately relevant to diaspora communities and international users.
Business Model
A classic Freemium → Subscription model — low friction to acquire, high margin to retain.
Free Tier
Up to 3 payments tracked. No card required. Instant sign-up.
Premium
£5/month or £35/year. Unlimited payments, full features, multi-currency.
Per Month
Premium subscription price
Per Year
Annual plan — best value
Gross Margin
High-margin, low-infrastructure SaaS
Unit Economics
A highly scalable SaaS model with minimal infrastructure cost and no banking integrations required. Revenue scales linearly with users.
At £35/year per premium user, revenue scales from £350K at 10K users to £3.5M at 100K users — with no significant increase in operating costs.
Market Opportunity
This is not a niche product — it addresses daily financial life for every consumer with recurring payments.
UK Banked Adults
Every one a potential user
EU Subscription Users
Across Europe alone
Every Consumer
With any recurring payment
Traction & Early Validation
MDD is live and fully functional. Early users are onboarded and actively tracking payments within the system.
Immediate Understanding
Users instantly grasp the problem MDD solves.
Clear Value
Pre-payment visibility resonates strongly across everyday users.
Validated Fit
Feedback confirms strong problem–solution resonance.
Why Now
Four converging forces make this the perfect moment for MDD to scale.
Subscription Economy
Recurring payments are growing rapidly across all demographics.
Cost of Living Pressure
Consumers are actively monitoring and cutting spending.
Spending Awareness
People are more engaged with their finances than ever before.
Consumer Duty
Regulation is pushing institutions toward proactive financial support.
Competitive Landscape
MDD owns the "before payment" space — a gap that banks and budget apps have consistently failed to fill.
Go-To-Market Strategy
A phased approach — starting with direct consumer acquisition and expanding into institutional partnerships and embedded integrations.
Phase 1: D2C
Social media, quiz funnels, and content-led growth to build the user base.
Phase 2: Partnerships
Banks, insurers, and financial advisors as distribution channels.
Phase 3: Embedded
White-label integrations and B2B distribution at scale.
The Vision
The Pre-Payment Intelligence Layer
MDD's long-term vision is to become the standard pre-payment layer embedded across the financial ecosystem — in apps, institutions, and everyday financial wellbeing tools.
Embedded in Financial Apps
A core feature within banking and fintech platforms globally.
Standard Across Institutions
The default pre-payment alert layer for banks and insurers.
Core to Financial Wellbeing
Recognised as essential infrastructure for consumer financial health.
The Ask
MDD is raising £400,000 via EIS (ASA) — targeting 25K–50K users and 12–18 months of runway.
£200K
User Acquisition & Growth
Paid channels, content funnels, conversion optimisation.
£150K
Team & Hiring
Growth execution, partnerships, and operational delivery.
£50K
Operations
Infrastructure, tools, compliance, and scaling support.
Return Potential
With disciplined execution, MDD's revenue trajectory positions it strongly for a significant next-round valuation.
Revenue Projections
At 25K Users
At 50K Users
Next Round Positioning
Successful execution positions MDD for a £5M–£20M valuation in the next funding round — driven by proven user growth, strong retention, and an expanding partnership pipeline.
Why Diane Shawe
This is execution, not theory.
35+ Years Business Experience
Deep commercial expertise across multiple sectors.
Built & Scaled Multiple Ventures
Proven track record of taking ideas from concept to market.
Strong Marketing & Execution Capability
The skills to acquire users, build partnerships, and deliver growth.
Real Users. Real Results.
"I joined because I was constantly being caught off guard by subscriptions I'd completely forgotten about. Within 10 minutes, I had everything in one place. It's so simple to use, and I've already cancelled two things I didn't need. Honestly, it's saved me money and stress."
★★★★★ Sarah Thompson — HR Manager
Never Miss a Payment Again
People need better timing.
MDD delivers control before the money goes.
TRY now — FREE | www.mddreminder.uk
Raising
£400,000 via EIS (ASA)
Target
25K–50K users in 12–18 months
Contact
Diane Shawe MEd — Founder
Email: info@mddreminder.uk
Phone: 07367 431859
Website: www.mddreminder.uk
My Direct Debit Reminder (MDD)