Coming Spring 2025

Transform your risk assessment

A better way to evaluate ability-to-pay

Transform your risk assessment

Move Beyond Traditional Credit Scores. Embrace a Smarter Way to Evaluate Financial Health.

Move Beyond Traditional Credit Scores. Embrace a Smarter Way to Evaluate Financial Health.

Move Beyond Traditional Credit Scores. Embrace a Smarter Way to Evaluate Financial Health.

Get started

CREDIT SCORE 2.0

Unlock your competitive advantage

See How Debit Score® Drives Business Success

Reduced Default Rates

Leverage real-time financial data to better predict repayment ability.

Improved Customer Retention

Improved Customer Retention

Offer fairer rates and better products to a wider audience.

Explore a wide range of investment options, tailored to your financial goals.

Offer fairer rates and better products to a wider audience.

Peaceful Tomorrow

Stronger Competitive Edge

Stand out by using advanced risk assessment tools that reflect the realities of modern financial behavior.

More than 120k+ users have already synced their accounts to Cheddar
More than 120k+ users have already synced their accounts to Cheddar
More than 120k+ users have already synced their accounts to Cheddar
  • Debit Score was such a better representation of who I was financially
    Luke Ladyman

    Founder

  • No more waiting for my score to update monthly. Debit Score's pull to refresh features is..refreshing!
    Tariq Zaid

    Founder

  • No more platforms ramming offers down my neck. Credit score has your best interest at heart...not making interest!
    Dan Weaver

    Legend

  • Oh boy... a score for the people, by the people
    Steve Mackenzie

    Head of Design

  • The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
    David Gadang

    Specialist Doctor

  • The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
    Julia Ngaglik

    Personal Trainer

  • Debit Score was such a better representation of who I was financially
    Luke Ladyman

    Founder

  • No more waiting for my score to update monthly. Debit Score's pull to refresh features is..refreshing!
    Tariq Zaid

    Founder

  • No more platforms ramming offers down my neck. Credit score has your best interest at heart...not making interest!
    Dan Weaver

    Legend

  • Oh boy... a score for the people, by the people
    Steve Mackenzie

    Head of Design

  • The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
    David Gadang

    Specialist Doctor

  • The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
    Julia Ngaglik

    Personal Trainer

  • Debit Score was such a better representation of who I was financially
    Luke Ladyman

    Founder

  • No more waiting for my score to update monthly. Debit Score's pull to refresh features is..refreshing!
    Tariq Zaid

    Founder

  • No more platforms ramming offers down my neck. Credit score has your best interest at heart...not making interest!
    Dan Weaver

    Legend

  • Oh boy... a score for the people, by the people
    Steve Mackenzie

    Head of Design

  • The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
    David Gadang

    Specialist Doctor

  • The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
    Julia Ngaglik

    Personal Trainer

EXCEPTIONAL FEATURES

What is Debit Score®

Debit Score® provides businesses with a revolutionary way to assess financial health by analysing an individual's real-time banking activity. Unlike credit scores that rely solely on borrowing history, Debit Score® data offers a comprehensive view of historic and live banking data that reflects a person's true financial reality.

WHY IT MATTERS

EXPLORE OUR BENEFITS

EXPLORE OUR BENEFITS

Credit scores leave potential markets underserved

Debit Score® unlocks

Expand Market Reach

Tap into the "Invisible" population—individuals without credit history but with reliable financial habits.

Learn more

Expand Market Reach

Tap into the "Invisible" population—individuals without credit history but with reliable financial habits.

Learn more

Expand Market Reach

Tap into the "Invisible" population—individuals without credit history but with reliable financial habits.

Learn more

Enhanced Risk Assessment

Gain deeper insights into applicants’ true financial standing, reducing default rates.

Learn more

Enhanced Risk Assessment

Gain deeper insights into applicants’ true financial standing, reducing default rates.

Learn more

Enhanced Risk Assessment

Gain deeper insights into applicants’ true financial standing, reducing default rates.

Learn more

Fairer Customer Profiling

Avoid missing out on creditworthy individuals due to outdated credit metrics.

Learn more

Fairer Customer Profiling

Avoid missing out on creditworthy individuals due to outdated credit metrics.

Learn more

Fairer Customer Profiling

Avoid missing out on creditworthy individuals due to outdated credit metrics.

Learn more

HOW IT WORKS

EXTRA TOOLS

EXTRA TOOLS

A modern solution for a modern World

Dive deeper as we unveil enhanced features, designed to empower your financial journey further, beyond, and above.

Open Banking Integration

Customers securely connect their bank accounts.

Open Banking Integration

Customers securely connect their bank accounts.

Open Banking Integration

Customers securely connect their bank accounts.

Holistic Analysis

We evaluate income streams, spending patterns, and savings behaviors.

Holistic Analysis

We evaluate income streams, spending patterns, and savings behaviors.

Holistic Analysis

We evaluate income streams, spending patterns, and savings behaviors.

Accurate Scoring

A dynamic, real-time score that provides a true measure of financial health.

Accurate Scoring

A dynamic, real-time score that provides a true measure of financial health.

Accurate Scoring

A dynamic, real-time score that provides a true measure of financial health.

Secure

Investment Assistance

Spending Budget

Trend Reports

Insurance Advisor

Expert Insight

Easy

Secure

Investment Help

Spending Budget

Trend Reports

Risk Advisor

Expert Insight

Easy

EXTENSIVE INTEGRATION

Integrated with widely-used UK banks

Experience seamless transactions with our service, integrated with popular platforms for your ultimate convenience and financial efficiency.

change lives

Real-World impact of cash flow data

Real-World impact of cash flow data

Real-World impact of cash flow data

5.8m

5.8m

"Invisible" adults in the UK accessible

88%

Improved lending decisions for marginal credit applicants

30%

Improvement in loan performance

30%

Improvement in loan performance

30%

Improvement in loan performance

50%

Reduction in decisioning time

50%

Reduction in decisioning time

50%

Reduction in decisioning time

1.52m

Reduction in UK thin-file population

1.52m

Reduction in UK thin-file population

1.52m

Reduction in UK thin-file population

60%

Of customers prefer cash assessments

60%

Of customers prefer cash assessments

60%

Of customers prefer cash assessments

As a single source for all linked bank accounts, add cash-flow data to your processes with minimal friction

JOIN THE MOVEMENT

Take charge of your financial future

Join the waitlist to discover your Debit Score® and see the real you.

Join waitlist

JOIN THE MOVEMENT

Take charge of your financial future

Join the waitlist to discover your Debit Score® and see the real you.

Join waitlist

JOIN THE MOVEMENT

Take charge of your financial future

Join the waitlist to discover your Debit Score® and see the real you.

Join waitlist

WE'VE GOT YOU COVERED

Frequently Asked Questions

What's the difference between credit and Debit Score®?
Where else can I find my Debit Score®
What is Cheddar?
Can I join Cheddar now?
What's the difference between credit and Debit Score®?
Where else can I find my Debit Score®
What is Cheddar?
Can I join Cheddar now?
What's the difference between credit and Debit Score®?
Where else can I find my Debit Score®
What is Cheddar?
Can I join Cheddar now?

Transform your financial habits and opportunities with Debit Score®

Resources

Get Cheddar App

© 2025 Cheddar | Debit Score® is a registered trademark of Cheddar Payments Limited, a company registered in England and Wales (no. 12895809). Cheddar Payments Limited is authorised and regulated by the Financial Conduct Authority (FRN. 940075). All rights reserved.

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Transform your financial habits and opportunities with Debit Score®

Resources

Get Cheddar App

© 2025 Cheddar | Debit Score® is a registered trademark of Cheddar Payments Limited, a company registered in England and Wales (no. 12895809). Cheddar Payments Limited is authorised and regulated by the Financial Conduct Authority (FRN. 940075). All rights reserved.

Instagram

Transform your financial habits and opportunities with Debit Score®

Resources

Get Cheddar App

© 2025 Cheddar | Debit Score® is a registered trademark of Cheddar Payments Limited, a company registered in England and Wales (no. 12895809). Cheddar Payments Limited is authorised and regulated by the Financial Conduct Authority (FRN. 940075). All rights reserved.

Instagram