See what credit scores don’t

Your real affordability, based on how you actually manage money.

Not your past borrowing.

Join the waitlist

Launching in the UK • Free to use • Opt-in only

399

399

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.

Small mistakes linger for years

One missed payment can follow you long after you’ve recovered.

You’re stuck in a catch-22

You need credit to build a score, but a score to get credit.

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?

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.

Spending behaviour

What you spend on essentials vs non-essentials, and how often.

Balances & buffer

How much buffer you have after bills and everyday costs.

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.

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.

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.

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.

How it works

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.

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.

Who is Debit Score for?

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

Coming soon

Google Play

Coming soon

Google Play

Coming soon

App Store

Coming soon

App Store

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

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