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The TotallyMoney Debit Card

The TotallyMoney Debit Card

Build your credit score with everyday spending

Powered by our partner Currensea. £4.99/month. Cancel anytime. No hard credit checks.

Currensea rated

Different from any other debit card

Builds your credit score

We report use of this card to TransUnion

Connects easily to your current bank

Payments come from your bank account through open banking

Get exclusive shopping offers

In-store and online offers with cashback rewards and more

How it works

Sign up with Currensea

Use our partner to apply for the card and connect your bank account with open banking. You’ll receive your card in 2-3 working days.

Activate and spend

Use the Currensea app to activate your card and check your spending limit. Then use the card to pay in-store or online as you usually would.

Repay and build your score

Your card balance will be taken from your bank via direct debit within 2 days. This card is then reported towards your credit report.±

How is this different from a credit card?

TotallyMoney Debit Card

Regular credit cards

Not Credit


Soft search is not visible to lenders.

Hard search is visible to lenders

Connects to your bank account

New account to manage

Money comes out by direct debit after 2 days*

Repay monthly and keep on top of repayments

Builds your credit score without credit

Borrow credit and repay to build your score

Only £4.99/month

Monthly interest payments

Cancel any time

Cancel if you don’t owe anything

* You must have sufficient funds in your bank account in order to make any outstanding payments

Connects to the UK's leading banks

Build your score with minimal effort

All you have to do is maintain good financial behaviour while using this card, you could grow your credit score. People with higher scores see credit offers with lower interest rates and longer interest-free offers. This could mean saving over £500 a year.†

Our trusted partner

TotallyMoney partnered with Currensea to offer our customers a card that helps build credit score without the credit hassle.

Outside of our partnership, Currensea is also the UK’s first direct debit travel card.

Currensea rated

Start building your credit score with everyday spending

£4.99 /month. Cancel anytime.

Get my card

† research commissioned by TotallyMoney (May 2022). Savings amount is based on the interest paid on £2,472, which was the average balance for a card with no promotional rate.

± A late payment fee will apply if Currensea can’t collect your card balance due to insufficient funds in your bank account. Read more about this in our FAQ here.

How do I know if this card is right for me?

This card could be a good fit for you if:

  • you are at least 18 years old

  • You have an active current account with one of Currensea’s UK banking partners (see full list here)

  • you don’t have an active CCJ on your credit report

  • you don’t have missed direct debit payments

  • your goal is to build credit score with positive financial behaviour. If you’re looking to take out credit to make purchases, this card will not be a good fit for you.

How will the TotallyMoney Debit Card impact my score?

Using the TotallyMoney Debit Card and repaying the transactions via direct debit should build your credit history and score.

We can’t guarantee credit score increases. The impact of this debit card on your credit score will vary depending on your use and financial behaviours.

Your credit score might dip initially after signing up, because you’ve taken out a new card. However, if you use the card well and continue to maintain good financial behaviour, your credit score should recover.

What happens if my bank account doesn’t have enough money to cover my card balance?

What you spend on your card will be taken from your bank account via direct debit within 2 business days.

A late payment fee may apply if there aren’t enough funds in your bank account to cover your card balance. We recommend that you check your spending limit and your bank balance before using this debit card for your purchases. Read more about late payment fee and process in our FAQ here.

What benefits do I get with Currensea?

With a TotallyMoney Debit Card, you’ll also benefit from extra features that are provided by Currensea. For example:

  • shopping offers with cashback rewards

  • competitive exchange rate when you spend abroad

  • fee-free ATM withdrawals while you’re travelling

  • advanced card security tools like spend limits, spend notifications, and freeze/unfreeze card

Find out more in the Currensea app after activating your card.

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). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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