Migration guide · Updated May 2026
Trim to Dip migration guide
The short version: Trim shut down in November 2024. If you used Trim to keep your cable, internet, and wireless bills in check, Dip is built for that same job. This page maps the muscle memory: every Trim feature you remember, and what the equivalent looks like in Dip.
You don’t need anything from your old Trim account to get started. Dip detects current recurring bills directly from your bank transactions via Plaid, so the slate is fresh from your present billing reality — not whatever historical record Trim had on you.
Feature mapping
Trim feature on the left, Dip equivalent on the right. Where Dip doesn’t have an equivalent, that’s stated plainly.
| In Trim— what you remember | In Dip— the equivalent |
|---|---|
| Connect bank account to detect recurring charges | Connect bank via Plaid — Dip uses Plaid's recurring-transactions data to surface bills automatically Optional in Dip. You can also add bills manually or upload a PDF. |
| Ask Trim to negotiate a bill (cable, internet, wireless) | Confirm the detected bill in Dip; Dip places an outbound call to retention and negotiates a lower rate Dip does the negotiation as a live AI voice call. You can listen to the recording afterward. |
| Authorize Trim as your third-party negotiator | Sign a one-time Letter of Authorization in Dip during onboarding Same legal mechanism (LOA), explicit scope, revocable at any time. |
| Receive a result when Trim finishes negotiating | Approve the result in Dip before any change is committed to your account Trim handled this end-to-end; Dip requires your explicit approval before money moves. |
| Pay 33% of first-year savings as Trim's fee | Pay a flat $15/month or $149/year subscription; Dip keeps zero percent of savings Year-one guarantee: if Dip does not successfully lower at least one of your bills, your subscription is refunded. |
| See subscription list and cancel forgotten subscriptions | Dip surfaces recurring charges but is not a subscription manager Streaming, app subs, and software subscriptions are flagged transparently with the advice to cancel them yourself. For full subscription tracking, Rocket Money is closer to that side of Trim's product. |
| Get a notification when a bill goes up | Dip detects rate increases and surfaces them in the bill list Dip then offers to negotiate the new rate down — the recurring loop that was Trim's core promise. |
| Negotiate medical bills | Not yet supported in DipNot yet Medical billing is on the roadmap but not in the v1 product. |
| View savings history and total saved | Savings feed in Dip shows every negotiated win with a recording, transcript, new rate, and one-line summary Granular than Trim's reporting; designed to make the savings auditable, not just aggregated. |
Getting started in Dip
Join the waitlist.
Dip is in closed beta. The waitlist is the funnel; new spots open in waves as the call throughput scales.
Connect a bank account (or add bills manually).
Plaid handles the bank connection. Dip uses recurring-transactions data to surface bills — you don't need any data from Trim. If you prefer not to connect a bank, you can add bills by hand.
Sign the Letter of Authorization.
One-time, in the app, before Dip can place calls on your behalf. Same legal mechanism Trim used.
Confirm a bill to negotiate.
Dip shows detected bills with provider, category, and current rate. Tap to confirm and Dip queues the call.
Approve the result.
When the call ends, you see the new offer with a recording, transcript, and one-line summary. One tap to approve. If you don't like the offer, push back and Dip retries with a different angle.
What to do about your old Trim account
Trim was wound down by OneMain Financial in November 2024. Dip cannot access, import, or modify your Trim account in any way. If you have outstanding questions about:
- Final billing or fee disputes.Contact OneMain Financial directly.
- Your historical savings data.Request it from OneMain Financial under their data-access policy.
- Revoking authorizations Trim had.Trim’s authorizations were tied to its operating entity. Confirm with OneMain Financial what is still active, if anything.
None of this is required to start with Dip. Dip operates from your current bills and a fresh authorization scoped to the accounts you give it.
Frequently asked
How do I move my Trim data to Dip?
There is no direct import. Trim's data (and any historical savings or subscription list it had on you) is owned by OneMain Financial, who owned Trim. When you set up Dip, the easiest path is to connect your bank account via Plaid — Dip will detect your current recurring bills directly from your transactions, so you do not need any history from Trim to get started. You can also add bills manually.
Will Dip negotiate the same bills Trim did?
Mostly the same and more. Trim's strongest categories were cable, internet, and wireless — all supported by Dip. Dip also covers auto and home insurance, home security, gym memberships, alarm monitoring, satellite radio, contracted home services, and credit card APR/fees. The one category Trim handled that Dip does not yet is medical billing.
What happens to my Trim account?
Trim ceased operations in November 2024. According to publicly available information, OneMain Financial wound down the service and notified existing users. If you have questions about your old account, historical data, or any final billing, contact OneMain Financial directly — Dip cannot access or modify your Trim account.
Will I lose savings momentum if I switch?
No. Most bill negotiations are renegotiated annually anyway — that is built into the recurring-bill model. Whatever rate Trim got you previously stays in place with the provider; Dip starts fresh from your current rate and pushes for a new round of savings at renewal or right away if there is room.
Does Dip cost more than Trim did?
It depends on how much you save. Trim's 33% cut of first-year savings on a $300 savings was $99. Dip's annual subscription is $149. On a single bill with modest savings, Trim was cheaper. On multiple bills negotiated over the same year — which is the realistic case for most households with cable + internet + wireless + insurance — Dip is meaningfully cheaper, and you keep 100% of the savings.
Can I try Dip before paying?
Dip is in closed beta as of May 2026 with a flat subscription model rather than a free trial. The year-one guarantee is the substitute for a trial: if Dip does not successfully lower at least one of your bills in your first year, your subscription is refunded. Join the waitlist at dip.bot/waitlist.