Coming Spring 2025

A Better Measure of your Financial Health

A Better Measure of your Financial Health

A Better Measure of your Financial Health

Say Goodbye to Confusing Credit Scores. Meet the Score That Truly Reflects You.

Say Goodbye to Confusing Credit Scores. Meet the Score That Truly Reflects You.

Say Goodbye to Confusing Credit Scores. Meet the Score That Truly Reflects You.

FINANCIAL INCLUSION

What is Debit Score®

Debit Score® is a fresh, modern way to understand your financial health. Unlike traditional credit scores that only focus on debt, Debit Score® looks at how you manage your money.

FOR EVERYONE

A better version of credit scores

Credit scores are old news. The Debit Score offers a clearer, more accurate picture of your finances.

Up-to-date information

Your score reflects your current financial situation, not just your past.

Fair and inclusive

Fair and inclusive

No credit history? No problem. Debit Score® values how you use your money now.

No credit history? No problem. Debit Score® values how you use your money now.

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

Peaceful Tomorrow

Empowering insights

See where you stand and learn how to improve.

More than 120k+ users love their financial journey
More than 120k+ users love their financial journey
More than 120k+ users love their financial journey
  • 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

WHY IT MATTERS

EXPLORE OUR BENEFITS

EXPLORE OUR BENEFITS

Unlock the power of your financial habits

A score that opens doors and empowers you

Unlock Opportunities

Access better financial products and services based on your true financial behavior

Unlock Opportunities

Access better financial products and services based on your true financial behavior

Unlock Opportunities

Access better financial products and services based on your true financial behavior

Smarter Decisions

Get personalised insights and suggestions to improve your score and achieve your goals

Smarter Decisions

Get personalised insights and suggestions to improve your score and achieve your goals

Smarter Decisions

Get personalised insights and suggestions to improve your score and achieve your goals

Stress-Free Finances

Enjoy a system that’s easy to understand and truly tailored to your needs

Stress-Free Finances

Enjoy a system that’s easy to understand and truly tailored to your needs

Stress-Free Finances

Enjoy a system that’s easy to understand and truly tailored to your needs

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.

Connect your accounts

Safely link your bank accounts to get started

Connect your accounts

Safely link your bank accounts to get started

Connect your accounts

Safely link your bank accounts to get started

Understand your score

We analyse your income, spending, and saving habits

Understand your score

We analyse your income, spending, and saving habits

Understand your score

We analyse your income, spending, and saving habits

Take control

Your Debit Score® shows where you shine and where you can grow

Take control

Your Debit Score® shows where you shine and where you can grow

Take control

Your Debit Score® shows where you shine and where you can grow

Secure

Investment Assistance

Spending Budget

Trend Reports

Insurance Advisor

Expert Insight

Easy

Secure

Investment Help

Spending Budget

Trend Reports

Risk Advisor

Expert Insight

Easy

CONNECTING YOUR BANK

EXTENSIVE INTEGRATION

EXTENSIVE INTEGRATION

Integrated with the UK's banking system

Experience seamless insights and opportunities by integrating with your existing banking provider to unlock endless oppotunities

THE CHEDDAR APP

Award-winning app already loved by many

Award-winning app already loved by many

Award-winning app already loved by many

250k+

250k+

Downloads on App Stores

Downloads on App Stores

4.7

Ratings out of 5

120k+

Active customers

120k+

Active customers

120k+

Active customers

5%+

Spending reduction

5%+

Spending reduction

5%+

Spending reduction

20%+

Increase savings

20%+

Increase savings

20%+

Increase savings

FCA

Authorised & regulated

FCA

Authorised & regulated

FCA

Authorised & regulated

Trusted by millions, this app offers seamless financial management and personalized insights for user satisfaction.

JOIN THE MOVEMENT

Take charge of your financial future

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

JOIN THE MOVEMENT

Take charge of your financial future

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

JOIN THE MOVEMENT

Take charge of your financial future

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

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®

© 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.

Transform your financial habits and opportunities with Debit Score®

© 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.

Transform your financial habits and opportunities with Debit Score®

© 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.