See what credit scores don’t
Your real affordability, based on how you actually manage money.
Not your past borrowing.
Launching in the UK • Free to use • Opt-in only
Works using secure Open Banking by connecting accounts from:
Why credit scores don’t tell the full story
Credit scores look backwards. They focus on loans, cards, and missed payments - not whether you can actually afford things today. That means:
Why credit scores don’t tell the full story
Credit scores look backwards. They focus on loans, cards, and missed payments - not whether you can actually afford things today. That means:
Why credit scores don’t tell the full story
Credit scores look backwards. They focus on loans, cards, and missed payments - not whether you can actually afford things today. That means:
Good money habits go unnoticed
You can manage your money well and still be locked out.
Good money habits go unnoticed
You can manage your money well and still be locked out.
Good money habits go unnoticed
You can manage your money well and still be locked out.
You’re stuck in a catch-22
You need credit to build a score, but a score to get credit.
You’re stuck in a catch-22
You need credit to build a score, but a score to get credit.
You’re stuck in a catch-22
You need credit to build a score, but a score to get credit.
Small mistakes linger for years
One missed payment can follow you long after you’ve recovered.
Small mistakes linger for years
One missed payment can follow you long after you’ve recovered.
Small mistakes linger for years
One missed payment can follow you long after you’ve recovered.
Life not reflected in real time
Your circumstances change, but your score doesn’t keep up.
Life not reflected in real time
Your circumstances change, but your score doesn’t keep up.
Life not reflected in real time
Your circumstances change, but your score doesn’t keep up.
Watch: Why this needed to change
So, what is Debit Score?
So, what is Debit Score?
So, what is Debit Score?
Debit Score is a live view of your affordability and financial resilience.
It looks at:
Debit Score is a live view of your affordability and financial resilience.
It looks at:
Debit Score is a live view of your affordability and financial resilience.
It looks at:
Income & stability
How money comes in — and how reliable it is month to month.
Income & stability
How money comes in — and how reliable it is month to month.
Income & stability
How money comes in — and how reliable it is month to month.
Spending behaviour
What you spend on essentials vs flexibility, and how steady it is.
Spending behaviour
What you spend on essentials vs flexibility, and how steady it is.
Spending behaviour
What you spend on essentials vs flexibility, and how steady it is.
Balances & buffer
How much buffer you have after bills and everyday costs.
Balances & buffer
How much buffer you have after bills and everyday costs.
Balances & buffer
How much buffer you have after bills and everyday costs.
Financial resilience
How well your finances could cope if things changed.
Financial resilience
How well your finances could cope if things changed.
Financial resilience
How well your finances could cope if things changed.
What Debit Score helps you do
No hacks. No gaming. Just clarity.
What Debit Score helps you do
No hacks. No gaming. Just clarity.
What Debit Score helps you do
No hacks. No gaming. Just clarity.
Recognition for good habits
Have responsible money management reflected, even with little credit history.
Recognition for good habits
Have responsible money management reflected, even with little credit history.
Recognition for good habits
Have responsible money management reflected, even with little credit history.
Understand affordability
Get a clear picture of what’s realistic for you, based on your actual income, spending, and bills.
Understand affordability
Get a clear picture of what’s realistic for you, based on your actual income, spending, and bills.
Understand affordability
Get a clear picture of what’s realistic for you, based on your actual income, spending, and bills.
See where there's flexibility
Understand where your money has breathing room, and where it doesn’t, without guesswork.
See where there's flexibility
Understand where your money has breathing room, and where it doesn’t, without guesswork.
See where there's flexibility
Understand where your money has breathing room, and where it doesn’t, without guesswork.
Make sense of finances
See how everyday decisions affect your financial health in a way that’s easy to understand.
Make sense of finances
See how everyday decisions affect your financial health in a way that’s easy to understand.
Make sense of finances
See how everyday decisions affect your financial health in a way that’s easy to understand.
Build better habits over time
Get simple, achievable guidance that helps you strengthen your finances gradually.
Build better habits over time
Get simple, achievable guidance that helps you strengthen your finances gradually.
Build better habits over time
Get simple, achievable guidance that helps you strengthen your finances gradually.
Access fairer opportunities
Put yourself in a stronger position to access financial products that fit your situation.
Access fairer opportunities
Put yourself in a stronger position to access financial products that fit your situation.
Access fairer opportunities
Put yourself in a stronger position to access financial products that fit your situation.
How it works
How it works
How it works
Get the app
Download the free Debit Score app when it becomes available on your device.
Get the app
Download the free Debit Score app when it becomes available on your device.
Get the app
Download the free Debit Score app when it becomes available on your device.
Connect your bank
Securely link your bank account using Open Banking.
Connect your bank
Securely link your bank account using Open Banking.
Connect your bank
Securely link your bank account using Open Banking.
See where you stand
View a clear picture of your affordability and financial resilience in minutes.
See where you stand
View a clear picture of your affordability and financial resilience in minutes.
See where you stand
View a clear picture of your affordability and financial resilience in minutes.
Improve over time
Get simple insights that help you build stronger habits and track progress.
Improve over time
Get simple insights that help you build stronger habits and track progress.
Improve over time
Get simple insights that help you build stronger habits and track progress.
Who is Debit Score for?
Who is Debit Score for?
Who is Debit Score for?
Debit Score is especially useful if:
Debit Score is especially useful if:
Debit Score is especially useful if:
You’re just starting out or new to the UK
You don’t have much credit history
Your income changes month to month
You’ve been declined and don’t know why
You want a fairer way to be understood
Early User Feedback
What people told us during early research and testing.
Early User Feedback
What people told us during early research and testing.
Early User Feedback
What people told us during early research and testing.
Appit has truly transformed my social life. I've connected with amazing people and discovered new interests. Highly recommended!
Emma Johnson
Founder at Specra
Appit’s features are fantastic for both meeting new people and staying connected with existing friends. It’s a must-have app.
David Wilson
Founder at Boom
The intuitive design and smart features of Appit made it easy to find meaningful connections. It's become my go-to app.
John Doe
Founder at Nova
I’m amazed at how Appit’s advanced privacy controls and customizable features have enhanced my online social experience. Truly innovative.
Laura Martinez
Founder at Comet
View All Testimonials
Appit has truly transformed my social life. I've connected with amazing people and discovered new interests. Highly recommended!
Emma Johnson
Founder at Specra
Appit’s features are fantastic for both meeting new people and staying connected with existing friends. It’s a must-have app.
David Wilson
Founder at Boom
The intuitive design and smart features of Appit made it easy to find meaningful connections. It's become my go-to app.
John Doe
Founder at Nova
I’m amazed at how Appit’s advanced privacy controls and customizable features have enhanced my online social experience. Truly innovative.
Laura Martinez
Founder at Comet
View All Testimonials
Debit Score helps me understand, manage and improve my day-to-day finances with updates that reflect my income, spending and balances
Lloyds Customer
Intentionally Debt Free, Age 25
Debit Score is a real alternative to credit rating - a potential lifeline
Lloyds Customer
Single Parent, Age 29
This is a real opportunity to show good financial behaviour
Lloyds Customer Survey
Recent Graduate, Age 23
This addresses an issue with credit scoring and fulfils a key need for those excluded by traditional scores
Lloyds Customer Survey
New to UK, Age 28
This fits well with looking for financial products from my bank
Lloyds Customer Survey
Gig Economy Worker, Age 36
It gives access to financial products that I would normally not have access to
Lloyds Customer
Freelancer, Age 34
This feels really helpful, being considered by lenders because of good behaviour
Lloyds Customer Survey
Recovering from Debt, Age 41
Frequently Asked Questions
Frequently Asked Questions
Frequently Asked Questions
Is Debit Score really free?
Will checking my Debit Score affect my credit score?
Is my banking data safe?
Who can see my Debit Score?
When will the app launch?
Is Debit Score really free?
Will checking my Debit Score affect my credit score?
Is my banking data safe?
Who can see my Debit Score?
When will the app launch?
Is Debit Score really free?
Will checking my Debit Score affect my credit score?
Is my banking data safe?
Who can see my Debit Score?
When will the app launch?
Be one of the first to try Debit Score
We’re launching in the UK soon. Join the waitlist to:
Get early access • Help shape the product • Get launch notifications
No spam. No obligation. Opt out anytime.
