Mint’s second change, the new $4.99/month Mint Premium (Opens in a new window), represents a major change from its ad-based business model, in which Mint suggests financial products that it thinks might fit with your habits as discerned from accounts you monitor in the app. Mint users, like Billshark users, will be charged the standard commission should this intervention succeed: 40% of two years’ worth of the monthly savings achieved. Bill Negotiation will flag Mint users about monthly service payments that might be reduced with some bargaining, then hand them off to a third-party service, Billshark (Opens in a new window), to negotiate on their behalf. The first new feature, available in Mint’s web and iOS apps but not yet its Android app, builds on a subscription-tracking tool Mint added in January 2021 (Opens in a new window), its last major update. The Mountain View-based company today announced a bill-negotiation tool and a new premium option for its personal-finance app.

Intuit’s Mint app now offers a new way to save money–and another to spend more.

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