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We couldn't find any cards you're eligible for right now, but we've got some other options for you.

Credit Building

There are products designed to help you improve your credit rating, which if used correctly could in future help you access new credit products, or reduce the cost of your existing borrowing.

The thinkmoney Current Account - no credit checks, and budgets for your bills so you don't have to.

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Great for

No credit checks
Can help you to improve your credit score through budgeting tools
No charges for bounced direct debits or cash withdrawals
Includes a budgeting service to help you pay your bills on time
Pay in cash and cheques at the Post Office
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Beware of

Monthly account fee of £10
You must be a UK resident aged 18 or over
This is not a credit card

Cashplus Bank Account – Creditbuilder add-on designed to help improve your credit rating

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Great for

Helping those who have limited or poor credit history to improve their score.
No credit checks
Online Servicing and Direct Debits
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Beware of

If you use the Creditbuilder add-on you’ll be entering into a 12-month contract, so you should only sign up if you're sure you can commit to making all 12 payments on time.
Monthly account fee of £5.95
This is not a credit card
£2 fee for ATM withdrawals in the UK

Build your credit history for free while you save

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Great for

No credit checks
It’s free to set up, and there’s no monthly account fee
Can help improve your credit score
Access to your savings at any time
Alert

Beware of

You need to be able to save at least £20 a month.
Missing payments could negatively impact your credit score.
To withdraw savings when you leave, you’ll need to either set up a new bank account or pay £30
This is not a credit card
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We're on a mission to improve the UK's credit score and help people move on up to a better future.


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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