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Say hello to Bits.

Instant, flick-of-switch access to borrowing

No interest, no fees, nothing to pay at all.

🦸‍♀️ Digital account that lets you borrow 2x your balance.

🤬 No weird charges, no complicated maths, no interest.

🕵️‍♀️ No data selling, no dodgy stuff.

🎉 No hard or soft credit checks. It’s for everyone.


👌 Zero interest, zero fees

Traditional lenders use interest and all kinds of hidden fees (which, by the way, aren’t included in APRs) to make money. We don’t.

For the next six months, we’ll be testing our proposition with a small group of users. We won’t charge them any interest or any other fees. It’ll be totally free.

🕵️‍♀️ No hard or soft credit checks

We don’t sell your data to anyone. We also won’t report anything back to any mystery third parties or credit agencies - unless you want us to.

If that’s your thing, you can switch your Bits experience from private to public. It’s your data, and you’re in control of who sees or uses it.

👏 Limits on borrowing

With Bits your borrowing is always a small multiple (initially 2x) of your balance.

Each Bit is a separate loan tied to a specific Pocket. There’s no open-ended credit line. You always stay in control.

🤟 In-app, friendly customer service

No long forms, no phone calls, no frustrations. Just simple, flick-of-switch, instant access to borrowing.

If you ever need help, it’s available 24/7 in-app, or you can reach out and speak to us via phone or email.

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A simple, easy way to borrow for your day-to-day expenses.

With Bits, an account is called a Pocket, and you can have as many Pockets as you like. Each Pocket has:

⚡️ A unique customisable online payment link that works in both group texts and Instagram biogs.

⚡️ Everything you need to add and send money.

⚡️ A virtual, secure MasterCard for online payments.

The money you place in your Pocket can be used to borrow money - an amount called a Bit. A Bit is:

⚡️ Start with borrowing powers of 2:1 and 30 day payback.

⚡️ Totally free to use right now while we are in early days.

⚡️ Get more powers over time - if you’re cool.


Bits is solving the hell that is borrowing. One Bit at a time.

Borrowing money is usually a terrible experience, yet everyone needs to borrow money at some point in their lives. We want to change that and simply make borrowing more accessible.

It doesn’t matter who you are. Maybe you have no credit history. Maybe you don’t have a 3 year address history. Maybe you’re self employed and doing your own thing. Or maybe you’re just balancing different cards with different APRs with different payment terms. It doesn’t matter to us. At Bits we only care about the money you have. You secure that money to borrow more money if you need it. If you don’t need it, then the option is always there whenever you do.

If you do borrow money then Bits is simple to use, straightforward with no complex fees, terms or varied percentages. With in-app customer support 24/7 and custom notifications you’ll never need to worry about how much you’ve borrowed or if you’ve missed a payment.