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you deserve credit

No credit? No worries. Let’s build it together. Start with a simple, personalised plan to get you feeling money confident. Backed by therapists, scientists, and real users like you.

here's how it works

Your next steps to feeling less stressed, together:

let's connect your bank accounts

We use TrueLayer, the leading network trusted by the UK’s top banks, to safely link your accounts. No login details needed. No decisions to make today. Just info to help us help you better.

answer quick questions

We only ask questions that matter — ones backed by science to help us understand your situation. Your answers shape a learning path made just for you, and we don’t store anything we don’t absolutely need.

get your readiness score™ (0-100)

This is not a credit score. It’s your starting point — a kind, clear reflection of where you’re at emotionally and financially, with no judgment.

follow your personalised pathway

We’ll guide you towards small wins. Whether that’s building credit, learning to spend mindfully, or simply feeling less afraid to look at your balance. One step at a time.

here's how it works

Your next steps to feeling less stressed, together:

let's connect your bank accounts

We use TrueLayer, the leading network trusted by the UK’s top banks, to safely link your accounts. No login details needed. No decisions to make today. Just info to help us help you better.

answer some quick questions

We only ask questions that matter — ones backed by science to help us understand your situation. Your answers shape a learning path made just for you, and we don’t store anything we don’t absolutely need.

get your readiness score™ (0-100)

This is not a credit score. It’s your starting point — a kind, clear reflection of where you’re at emotionally and financially, with no judgment.

follow your personalised pathway

We’ll guide you towards small wins. Whether that’s building credit, learning to spend mindfully, or simply feeling less afraid to look at your balance. One step at a time.

feel at peace knowing you're on the right path
No need to figure it all out on your own. We’ll create a personalised learning pathway for you, based on your Readiness Score™ Whether you want to build credit, manage impulsive spending, or just feel more in control of your money, we’ll help you take it one small, doable step at a time.

bank grade security

It’s your data, you own it

read-only access

We can’t do anything with your money except see it with rose tinted lenses.

256 bit encryption

Your data is scrambled so even if there was a breach in security, the info found would be completely useless.

ICO regulated

We work closely with leading partners to ensure our use of your data is safe, secure, and impeccable.

award winning data usage

Our use of data is actually award winning, according to our SPARKies 2023 Data Award!

Learn more about data and security: