Improve your credit score with the all-new Credit Builder

Spend, send and repay on time to take charge of your financial health

Exclusive 90 days free · then 2.99 gbp/month

Reporting to all 3 major credit reference agencies

If you live, work or study in the United Kingdom, and are looking for a simple way to build or improve your credit score, Paysend Grow has the perfect solution for you.

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How Credit Builder works

Build your credit profile and improve your credit score by following these simple steps.

Step 1
Move money

Move your money into the Credit Builder account. Regular spending and repaying on-time could impact your score.

Step 2
Spend or send money

Connect your Paysend card to your Credit Builder account and use it to make purchases online or offline anytime, as well as complete money transfers.

Step 3
View your statement

Twice a month, Paysend will automatically collect the outstanding balance from the money set aside in the Credit Builder Limit account.

Step 4
Build credit score

You could watch your credit score grow as Paysend reports your Credit Builder activity to 3 major credit reference agencies.

Credit Builder benefits
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    Rewards for reliability

    Major UK credit reference agencies are updated when positive repayments are made, allowing you to build and improve your credit score.

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    Set your own limit

    Credit Builder lets you spend debt-free. Only top-up as much as you want to spend, and link your Paysend card to spend anytime, anywhere.

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    Spend your way

    Every transaction on your Credit Builder account counts towards improving your credit score, from sending money to buying groceries.

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Start building your credit score with Paysend Grow
Subscribe to Grow on the Paysend app available on the App Store, Google Play or Huawei AppGallery and take charge of your financial health.

Available to UK residents only.
Activate Paysend Multi-currency accounts to access Paysend Grow.