Both use AI phone calls to lower bills and cancel subscriptions. Pine AI is a general assistant you can hand almost any customer service task. Sparrow is narrower and adds money you are owed but may not know about: class action settlements and unclaimed property.
The short version: If you want one agent to handle many kinds of calls, emails and disputes, with banks, airlines, insurers and hotels as well as bill providers, Pine AI does more than Sparrow and has an Android app. If you want class action settlement claims, unclaimed property and bill calls at a few dollars a month with no success fee, Sparrow covers that at a much lower price.
Pine AI facts checked against Pine AI's own pages on November 4, 2026.
| Feature | Sparrow | Pine AI |
|---|---|---|
| Class action settlement claims | Matches you to settlements and files the claims for you | Not among its listed services |
| Unclaimed property | Free search of all 50 states; you claim on the state’s own site, for free | Not among its listed services |
| Bill negotiation | AI phone call to your internet, phone or utility provider, included in membership | Internet, phone, insurance, utility and other bills; 25% success fee on Free and Pro Monthly, plan credits otherwise |
| Subscription cancellation | AI phone call to the provider, which you start and approve | Yes, by phone, email or web form |
| Late delivery refunds | Reads delay notices in your inbox and calls the retailer | Not among its listed services |
| Disputes, complaints and other service calls | Only the bill, cancellation and late delivery calls above | Yes: banks, airlines, insurers, hotels and more, by phone, email and web |
| Price | $3–$7 a month, billed annually, with a money-back guarantee | Free plan with success fees; personal plans from $39/month, or $319/year (Pro) |
| Apps | iPhone and web | iPhone, Android, Mac and Windows apps, and web |
Pine AI is a good product. Here is what it does better, and what Sparrow does that it does not.
Pine sells credit-based plans. For personal use: Pro at $39 a month or $319 a year, and Premium at $79 a month or $639 a year. For work: Plus at $99.90, Max at $174.90 and Team at $291.60 a month, billed annually ($139, $249 and $419 billed monthly). There is also a Free plan. On Free and Pro Monthly, bill negotiation costs a 25% success fee on confirmed savings, and Pine places a temporary hold on your card for the estimated fee for up to 7 days. Pro Annual and Premium cover bill negotiation without that fee.
One membership at $3 to $7 a month, billed annually, priced by what your claims are worth. It covers class action claims, unclaimed money search, bill negotiation calls, subscription cancellation calls and late delivery refunds. If you do not earn more than you paid, Sparrow refunds the difference.
What Pine AI and Sparrow each do, and what they cost.
Pine AI, from 19Pine, is an AI assistant that makes calls, replies to emails and fills in web forms to handle customer service tasks for you, such as lowering bills, cancelling subscriptions and disputing charges. It launched in January 2025 and is moving its website from 19pine.ai to pine.im.
Pine has a Free plan, and its personal plans start at $39 a month (Pro), or $319 a year. On Free and Pro Monthly, bill negotiation carries a 25% success fee on confirmed savings. Sparrow costs $3 to $7 a month, billed annually, with no success fee.
No. The 93% negotiation success rate is Pine’s own claim, made on its website and App Store listing, and its websites cite more than 150,000 users (pine.im now shows over 210,000). Pine does not publish how either was measured.
Class action claims and unclaimed property are not among the services Pine lists. Those are the core of what Sparrow does.
Yes, they do not conflict. You could use Sparrow for settlements, unclaimed money and routine bill calls, and Pine for one-off disputes that need a general agent. Avoid having both negotiate the same bill at once.
Spotted something wrong or out of date, including if you work at Pine AI? Tell us and we will fix it.
Sparrow checks settlements, unclaimed money and your bills in a few minutes.