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Get your free financial health score

Your financial health is like your credit score. Take care of your financial health and lenders will be more willing to lend and give you better rates

Get alerts when your score changes

We'll send you timely alerts when your financial health improves or declines and find out what has changed

Smart actions to boost your finances

Get personalised tips and actions that improve your finances and save you money

Get started

Fast, accurate, secure

21.5% APR representative

We’ve made it as simple and safe as possible for you to use our service

We currently support over 20 UK banks

We take security very seriously and use the same type of security standards as the leading banks when you connect your bank accounts

Read our frequently asked questions

Still need a bit more information? Here’s our frequently asked questions to help you out

What is Financial Health?

Your financial health score tells you how well you manage your everyday finances by analysing your bank data. Like a credit score, it gives you an indication of how likely you are to be accepted for a loan or a credit card and the rate you might get. So a higher score means you’re more likely to get better finance deals.

Your score is made up of positive, neutral and negative indicators by looking at whether you have a steady income, whether you pay your bills regularly and what you spend on debt repayments.

Your financial health score is always free and because it uses your bank data our technology can find smart ways to boost your finances and save you money on your household bills

What is Open Banking?

Open Banking is a data sharing standard introduced by the Compeition and Markets Authority (CMA) to encourage financial services innovation. This means that, with your consent, all banks in the UK must allow you to securely share your transaction data with third parties called Account Information Service Providers ("AISPs").

AISPs must comply with strict rules and be regulated by the Financial Conduct Authority ("FCA"). Consents.Online are our trusted Open Banking partner. They are a regulated AISP who help companies like us connect to banks and manage consent for data sharing. You can read more about them here.

Is Open Banking safe?

Yes Open Banking was designed with security and control in mind. Open Banking uses rigorously tested software and security systems to ensure you data is protected. You will never be asked to provide your login details to anyone other than your bank.

If you're using a mobile you will be sent to your banking app where you log in and confirm that you are happy to share the data with us. By providing consent you are giving us 'read-only' access to your data and no payments can be made to or from your account. You can also revoke data sharing consent with us at any time by logging into your bank.