The score that sees what credit scores miss
Debit Score includes income, bills and savings from your bank accounts, creating a score out of 1,000 — one you understand, and lenders can use when you say so.
Works with the banks you already use, by linking them securely
Good money habits go unnoticed
Rent paid on time for five years counts for nothing.
Old mistakes linger
One missed payment can follow you for six years, long after you've recovered.
The catch-22
You need credit to build a score, and a score to get credit.
It's always behind
Your circumstances change weekly. Your credit score updates monthly, at best.
Watch: Why this needed to change
Income
How money comes in, month to month. Salary, self-employed, gig work: all of it counts.
Bills and rent
Whether the essentials are paid, and paid on time. Rent recognised, even though no credit file sees it.
Safety net
How long your money would last if your income stopped, and what's left after the essentials.
Direction
Whether things are getting steadier: savings growing, fewer overdraft days, habits forming.
Get credit for good habits
Rent paid, bills covered, savings growing. It all counts, even with no credit history at all.
Ask your Coach anything
My score changed? What should I do first? Plain, personalised answers from your own numbers.
See what's working
Key areas, each explained in a sentence, each with steps to improve
Share it when you choose
Lenders see exactly what you agree to share, only when you say so. Every share is on the record.
Watch it move every week
A fresh score each week, with exactly what changed and why. No mystery.
Find products that fit
A marketplace of what you're likely to be accepted for from lenders looking at the full picture.
Get the app
Free on iPhone + Android. Have a look round before you connect anything.
Connect your bank
Approved inside your own banking app. Shares transactions + balances.
See where you stand
Your score, profile and things driving it, in minutes. Then every week after that.
Use it when it counts
Ask in-app what to work on, share your score with lenders when you choose.
You’re just starting out or new to the UK
You don’t have much credit history
Self-employed, shift or 'gig' worker
You’ve been declined and not told know why
You're rebuilding after a hard couple of years
Ability to pay using cashflow
Verified income and stability, buffer after essentials, safety net in days.
Fewer late-stage declines
Identity, income and affordability move to the front of the journey, not the end.
Your criteria, not ours
Set your thresholds on banking attributes and see the effect before you go live.
Permissioned data as you need
Categorised transactions, income & payment analysis, affordability reports.
Frequently Asked Questions
Be one of the first to try Debit Score
We're opening up in stages. Join the waitlist and we'll tell you when it's your turn. Three benefits:
Get early access · Help shape the product · Get launch notifications
No spam. No obligation. Opt out anytime.
