Build My
Credit Score

The debit card that works with your bank to build your credit score through everyday spending¹

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Awards & Media

Build My Credit Score in The Mail on Sunday
BuildMyCreditScore - The Card & Payment Awards 2023 Finalist
BuildMyCreditScore's UK Government Grant
BuildMyCreditScore in The Times

What our customers think

Why BuildMyCreditScore? 

BuildMyCreditScore is the UK’s first debit card that works with your current bank to build credit1. So you can build credit hassle free.

Customers with good credit habits, typically increase their score by between 11 and 55 points within the first 3 months². 

Why build your credit score?

Our connected banks

We work with all the major UK high-street banks
Our connected banks

How BuildMyCreditScore works

  • Sign up and connect your BuildMyCreditScore debit card to your bank.
  • Use your new debit card for small daily purchases, and we'll process the payment a few days later using direct debit.

  • At the end of every month we report your purchases and payments to credit agencies to build your credit¹.

1. Sign Up

Sign up icon - Build My Credit Score

Sign up and connect your BuildMyCreditScore debit card to your bank.

2. Spend

Spend Icon - Build My Credit Score

Use your new debit card for small daily purchases, and we'll process the payment a few days later using direct debit.

3. Build

Credit Score icon - Build My Credit Score

At the end of every month we report your purchases and payments to credit agencies to build your credit¹.

Have more questions? Check out our FAQs

Build My Credit Score - daily spend brands

Spend small to build fast

Your BuildMyCreditScore debit card is designed for small everyday purchases such as coffee and train fares as well as regular payments like Netflix and Spotify.  
 
It's optimised so those small purchases can make big changes to your credit score - Fast2.

The cost of a poor Credit Score

A £3,000 loan - A borrower with a poor credit score could pay an extra £2,319 in interest charges on a £3,000 personal loan over 3 years3.

A £5,000 loan - Someone with a poor credit record borrowing £5,000 over 3 years might find themselves paying an extra £116.36 per month3.

Don't let this happen to you, act now and start building your credit score today!

Lady looking at their credit score on a mobile

What's the difference?

Credit Card

Credit Card - Build My Credit Score
  • Designed to encourage monthly borrowing
  • Hard search is visible to lenders
  • New account to manage
  • Repay monthly and keep on top of payments

BuildMy CreditScore Card

BuildMyCreditScore
  • Designed to build your credit score
  • Soft search is not visible to lenders
  • Links to your bank account
  • Auto-pay by direct debit, a couple of days after spending4

Pricing Plans

Designed for growth, reporting to:

Build my credit score's - Credit Agencies Partners
BMCS Pricing Plan

FAQ's

Do you really need a credit card to build your credit score?

Millions of people in the UK don’t want or can’t get a credit card - Did you know that over 85% of UK card transactions are on debit cards?

It's not surprising, considering that credit cards can lead to overspending and come with high interest rates, in addition to being less than transparent or just inaccessible. But credit is something most people want at some point in life no matter what they are trying to achieve.

A strong credit score can have life changing impacts, especially when it comes to long-term objectives like mortgages, loans, or securing the best repayment plan for larger purchases. Despite the importance of credit, there are limited alternatives available to build it. We're here to change that.

BuildMyCreditScore is a debit card that works with your bank, ensuring you can only spend the money that's in your account.

Once you’ve spent, we'll process the payment a few days later using direct debit. We’ll let you know at the end of each day, the date that direct debit will happen.

At the end of each month, we report your purchases and payments to the Credit Reference Agencies, helping you to build credit.

Your BuildMyCreditScore debit card connects to your existing bank account, so it works a bit like your regular bank debit card. It works with your bank, so there's no need for new bank accounts or topping up different accounts.

It’s specifically designed to work alongside your bank debit card, not replace it.

- For smaller purchases, we’d highly recommend using your BuildMyCreditScore debit card to actively build your credit

- For larger spend items and ATM cash withdrawals your bank debit card is the preferred choice

Your BuildMyCreditScore debit card is specifically designed for small everyday purchases such as coffee, train fares and other incidentals, as well as regular payments like Netflix and Spotify.  

What sets the card apart is its optimisation to transform those seemingly insignificant purchases into significant boosts to your credit score².

With a deliberately modest daily spending limit, this card empowers you to make those small yet impactful purchases while simultaneously maximising your credit-building potential.

If your goal is to build your credit score quickly2 with positive financial behaviour, then BuildMyCreditScore could be a great fit.

You also need to:

  • Be at least 18 years old
  • Have a current account with one of our connected banks.
  • Have no active CCJ's, recent IVA's, or current bankruptcy proceedings.

Remember, although we do typically see great results in the first 3 months2,  you should view this as a journey of at least 12 months to build a strong credit history and to ensure the maximum benefit is achieved.

BuildMyCreditScore will support you every step along the way. Each month, we’ll give you handy hints and tips about your spending, and how to optimise your card usage to build credit.

After each month, we’ll send a detailed report to the Credit Reference Agencies. We’ll show your updated score in the app and review your progress, giving you valuable insights on how you can continue to build your credit even faster.

The majority of our customers that used the product as recommended, see an increase in their score of between 11 and 55 points within the first 3 months². 

You should think of this as a 12-month journey to establish a robust credit history. For the price of just a few cups of coffee per month, you’ll have the opportunity to save thousands of pounds on future borrowing³.

We report to the 3 main UK credit references agencies: TransUnion, Experian, and Equifax.

Once you join BuildMyCreditScore, we'll promptly notify the credit reference agencies about your new product. The month after signing up, you'll see BuildMyCreditScore in your credit report.

It's really important to note that closing an account can impact your credit score5 so we ask that you’re committed to enhancing your credit score before embarking on this journey.

In addition to building your credit score, you'll also enjoy the following perks with your BuildMyCreditScore debit card:

1. A competitive FX rate if you spend abroad with your BuildMyCreditScore debit card. This will typically be at least 1% cheaper than your regular bank card. 

2. Competitive FX rates when transferring money abroad, which are likely to be substantially better than your bank.

Google Pay Build My Credit Score

Tap to Pay With Google PayTM

Get all the benefits of your BuildMyCreditScore debit card conveniently on your phone. Just add a card to Google Wallet™ to get started.

 ¹ BuildMyCreditScore reports on time and late payments, which may negatively impact your credit score. Credit scores are independently determined by credit reference agencies based on a number of factors, including your other financial transactions. BuildMyCreditScore reports to Transunion, Experian and Equifax. The BuildMyCreditScore Debit Card and related services will not remove negative credit history from your credit report. 
² Data is based on a study of active customers with good credit habits. Individual results may vary. For details please see the full study at buildmyscreditscore.com/study
³ Estimates based on a study by MoneyComms.co.uk 22.09.2022
4 Timing of Direct Debit collections is based on the UK BACS scheme, and will generally be from 2 to 4 days depending on weekends and holidays. 
5 Based on guidance from Transunion. see transunion.com/article/closing-accounts-and-your-credit-score for more details