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Discover your bills with score impact


Discover your bills with score impact

See which of your regular payments could impact your credit score to help you stay in control. Get started in the app.

Why get started?

Check your monthly budget

See how much you’ll have left to spend after your bills are paid

Avoid missed payments

We’ll tell you when your balance is low to help you stay on track

Stay in control of finances

Prioritise important payments and those that may impact your credit score

View your regular bills

Connect a bank account and you’ll be able to see your upcoming and paid bills, plus when they’re due.

Showing incoming and paid bills in the app

Check your balance after bills

Make sure you’ll have enough to cover important payments, or see which bills could be missed.

Showing "This month" and "This week" upcoming bills in the app

See which of your bills could impact your credit score

Paying these on time and it could have a positive effect on your credit score.

Showing Bills with score impact in the app

Set an alert amount

We’ll let you know when your balance is low or it looks like you could miss a payment.

Showing app notification when below alert amount

Get the full TotallyMoney experience

Download the free TotallyMoney app. No credit report needed.

QR code to get the app

Open banking is a new way to help you understand your finances, and see if there are better ways you could manage your money.

Using open banking, you can connect your bank account to another financial account, so data can be shared. For example, if you have a NatWest current account, you can connect it to your TotallyMoney account and we can use the data to offer you more services and features.

It’s important to know that all your data is secure and TotallyMoney can’t see individual transactions in your bank account, nor will we know your bank details.

Here is some further information about open banking, including a useful video to explain it a bit more.

We partner with Bud (Bud Financial Limited) to securely connect your TotallyMoney account to your bank account. TotallyMoney is an agent of Bud, and we are both regulated by the Financial Conduct Authority (FCA). If you want to read more about them, check out their website.

This section will display an amount which shows what your balance is, after your monthly bills and payments.

To calculate this, we take your connected account balance and subtract your recurring monthly payments and bills, which equals your balance after bills for the month.

For example, if the balance in your connected account is £250 and your recurring bills add up to £150, your balance after bills would be £100.

As part of the feature, we’ll look at your monthly bills and highlight which ones could have an impact on your credit score. We highlight these so you know which of your regular bills could have a negative impact on your score if they are missed. Stay on top of these bills and your credit score could increase.

Plus, our alerts will let you know when your balance after bills is low (you can set this amount yourself). That way you can make sure you don’t miss any important payments, including those that impact your credit score.

We're on a mission to help everyone move their finances forward and gain financial momentum.

TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Registered Office: 5th Floor, Halo, Counterslip, Bristol, BS1 6AJ. Credit is available, subject to status, only to UK residents aged 18 or over.

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