Make your
student loan
last the
whole term.
Most of us spend the rent money by week six. BAV splits your loan into two pots — rent-safe and spending — then declines anything that would empty the spending pot early. Early demo. No real money. No bank details.
No sign-up. Your session is private. Nothing touches a real account.
(example figure)
What it is, and what it isn't
What it is
A working demo of one rule: essential money stays essential. You set the split. You see what is safe to spend each day until the next loan payment. The demo declines a purchase that would blow the fun-money pot.
What it isn't
A bank, a real card, or financial advice. Nothing is imposed by a university or the Student Loans Company. You stay in control — you can decline any request yourself.
Where it's at
Built independently. Shaped so far by feedback from a small number of UK students. If the idea holds up, the next step is connecting to real accounts (Open Banking or a partner). This demo exists to find out whether the hard split actually changes behaviour.
The contrast
Without a hard split — many students hit £0 with weeks still left in the term.
With the split — essential money stays ring-fenced; you only spend from the discretionary pot.
How to try it
About two minutes. One device is enough — switch between Till and Wallet Card. Two devices give the live handoff. Every visit gets its own private session.
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1Open the demo
Start on Wallet Card and set your next loan date if you want. Then switch to Till (the shop), scan a large spending-money item, and request payment.
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2Pair a second device (optional)
Scan the QR or enter the session code on your phone. That device becomes the Wallet Card where you approve or decline. One device still works — just toggle modes at the top.
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3Feel the decline
Approve a small essential purchase, then try a large spending-money one. Watch the warning or the automatic decline when it exceeds the pot. That is the point of the demo.
Only one device? Switch between Till and Wallet Card on the same screen. You still see the safe-to-spend figure and the decline — you only miss the live handoff between two screens.
Watch it first
Read the video text
What if the rent money could not turn into a night out? 1. Scan the QR code to pair your phone. 2. Scan, request, tap to pay (sound effects mark each scan, approval and decline). 3. See what's safe to spend today: the demo shows an example of £3.86 a day for the next 34 days, until your next payment lands. 4. Spending money takes a second, deliberate tap. 5. You can always have a luxury, as long as it fits your spending money. 6. Changed your mind? Decline it in one tap: the phone warns that a £57.00 purchase is about 95% of what is left in your fun-money pot, and the student declines it. 7. Over your spending money? BAV declines it for you: a £110.68 purchase is about 184% of what is left, and the payment is declined automatically because it exceeds the discretionary cap. Try it and tell us what you think. Three questions, one minute. Early demo, no real money.
What's in the demo
Safe to spend each day
Enter your next loan payment date and an optional bill (e.g. rent). BAV reserves the bill, then shows what is safe to spend each day from the rest.
A second tap for spending money
Essentials need one tap. Spending-money purchases need a second, deliberate tap — with a clear nudge when it would take a big slice of what is left.
You stay in control
Decline any request yourself. After three declines in a row the card freezes until you unlock it — you are never locked out by someone else.
Optional trusted-contact alerts
Choose someone to be told about larger spending-money purchases. It is off by default, and in the demo it is simulated, so nobody is actually contacted.
Three quick questions
Anonymous, under a minute. Honest answers help most — including “this is a bad idea”.
Thank you. That genuinely helps.
If you would like to go further, you can join the tester list and I will contact you about trying the next version.
Join the tester listHelp us test it properly
Looking for UK students aged 18 or over who will try the demo and say what is confusing, useful, or pointless. About five minutes. Leave your details and you will get an email about the next version.
You're on the list.
Thank you. I will email you with how to take part. If you change your mind, just reply to that email and your details will be deleted.
Try the demo now