Frequently asked questions

The money that I pay Bits - do I get that back?

No, you don’t get that back, as that is a fee for the credit building service we provide and is used to cover our costs.

How long will it take to appear on my credit file?

Bits will usually take 6-8 weeks to appear on your credit file.

How does Bits help you improve your Credit score?

In a nutshell, Bits is a digital store card which helps you build credit! We report your store card account to Experian, Equifax and TransUnion. Having a credit account on your credit file will impact your credit score positively in the following ways: - It builds up a history of on-time repayments - making payments on time is the most important factor affecting your credit score. - It increases your total credit limit, without increasing your total balance - all you need to do is pay your monthly fee on time, and your credit utilisation will be very low. Keeping this below 20% has a positive impact on your credit score. - It helps with your average age of credit - the longer you keep your account open, the older the account is, increasing your average age of credit. The average age of credit is another factor that affects your credit score. We also recommend keeping all credit card limit utilisation below 30% and clearing any CCJ, bankruptcy, or defaults you may have under your name so you can get the most out of Bits.

How can I use my credit?

You can use the credit assigned to you on our in-app store, the Bits Shop! The payments work on a voucher purchase basis that you can pay in 2 instalments, so you pay the first instalment upfront, and the remaining cost is added to your balance on your Bits digital store card. You can see your balance in the app, alongside your remaining available credit, and total credit limit. This balance is then charged to your debit card alongside your monthly fee on your next payment date. If we are unable to get that payment, this could have a negative impact on your score and file.

What subscription plan should I choose?

When choosing a plan, there are two things to bear in mind: The most important factor is choosing a plan that you're happy to keep for a fair while - ideally at least a year. Secondarily, the higher your monthly fee, the greater the impact each month. To reiterate, number 1 is the most important - ideally, choose a plan that you're happy to pay into for at least a year, even if this means your monthly fee is lower. This is because a long-term line of credit helps signal stability to lenders. That said, higher subscriptions will have a greater impact each month.

Is Bits Safe to use?

Bits is a credit building service. Use it if you are looking to build your credit score and history.

I have bad credit. Can I still use it?

Yes, you can, but please know that Bits is not for everyone. There are a lot of circumstances in which you would be better off not applying for any new credit - including Bits. For example, if you have a recent CCJ, IVA, or bankruptcy; or if you are heavily indebted; or behind on bills; or generally struggling to make ends meet. You can always reach out to us discuss your circumstances in more detail via hello@getbits.app.

How do I sign up?

You can sign up for our service in 2 different ways: by using the website (https://www.getbits.app/) or by downloading our app on your phone using the Apple Store or Google Play Store. To find us in these stores, just search for “ Bits Credit”.

Can I change my payment date?

Yes. To do so, go to the account settings and choose the option “ Change my payment date”. After this, just select the day that you feel is the most convenient for you to be billed.

Can I change my card?

Yes, this can be done on the app or website too. Just go to the settings/ account settings and select the option “ Update my billing details”. After this, just insert the information for the card. Please be advised that the name on the card has to match the name of the account to which it was added.

How do I see the score improvements?

For Experian - use the Experian app. For Equifax - use the ClearScore app. For TransUnion - use the Credit Karma app. For the fullest picture of your credit health, use all three! We can't actually see your score - you're the only one who can see it and track it.

Will I see Bits in CreditKarma?

Yes! Bits now reports to TransUnion, meaning you'll be able to track your progress via Credit Karma.

How do I cancel?

Please email us at hello@getbits.app. and we will get it done for you.

How do I pay you each month?

Every month we charge the card that you used during signup. Everything happens on auto. If for any reason we are unable to bill you (for example, if the card is declined), then we’ll email you letting you know.

If I miss a payment, will it affect my score?

Yes, any missed payments will be reported to the Credit Reporting Agencies, and this will most likely affect your score negatively.

What happens after I sign up?

You’ll immediately get a payment receipt, and within a few hours, you’ll also receive a welcome emails explaining how it works.

How do I get help?

Email us at hello@getbits.app

How do I change my password

There are 2 methods to recover a forgotten/lost password: Delete and reinstall the app, and at the login screen, type in your email address and select the “I forgot my password” option. After this, a reset link will be sent to your email address; On the website, go to the sign-in area and select the option “Forgot your password?”. After this, enter your email address and you will receive a reset link via email. Please note that the reset links expire in 5 minutes. If you are experiencing any issues with this procedure, email us at hello@getbits.app.

I signed up but didn’t get any emails

Please email us at hello@getbits.app if it’s been 24 hours and you still haven’t gotten anything.

How do I speak to you?

You can book a time with us: https://www.calendly.com/getbits/15min

If I delete the app, will that cancel my subscription?

No, it won’t. To cancel, email us at hello@getbits.app!

Do you offer any referral program?

Yes, we do indeed. To take advantage of the referral program, upon signing up, the new customer just needs to add the email of the person who referred him to the designated field. After this, the person who referred the new customer just needs to email us regarding this so he may collect his reward.

Why is my card not being accepted?

There are a few different reasons why this may happen, and this may vary from person to person. We use Stripe, so in most situations, this is out of our control, but if this happens to you, we would advise you to contact us at hello@getbits.app so we can try and understand what is happening in your specific case.

Can I use my partner’s card to pay?

Sadly, no. The card you pay with has to be in your name.

Why isn't Bits showing up on my file?

If it's been more than 8 weeks, and Bits still isn't on one or more of your credit files, then something's not right. Usually, the problem is that the address we have on file for you isn't linked to your credit file. Try updating your address with Bits, TransUnion, Equifax, and Experian. If, after a month, this hasn't worked, please get in touch with us at hello@getbits.app.

What is rental reporting?

When you are looking to apply for a mortgage, lenders will look for a history of repayments on your credit file. Through rental reporting with Bits, you enable us to report your payments by allowing us view-only access to your bank transactions, through open banking. This is a very secure way for us to identify and track your rental payments, to then report to Equifax. When we report your rent to Equifax, we build up a history of repayments to prove to lenders that you aren’t a risk, and will make your payments on time. Rental payments are by far the most accurate reflection of your ability to pay back a mortgage, as often, you’re actually paying more in rent per month than you would towards a mortgage.

Can I stop my rent payments being reported?

You can remove permission for rent reporting at any time by emailing hello@getbits.app.

My renting details have changed. How can I update this?

To change your rental details, your best option is to contact us at hello@getbits.app. Due to the different details that might need to be changed, there is a high chance that your rent reporting profile might need to be reset, and that procedure is made by the customer support team.

What happens if I miss a rental payment?

You need to make sure that you pay your rent. If you miss a rental payment, this could have a negative effect on your credit score.

Why do I have to renew rent reporting every 90 days?

You’ll need to renew your rental reporting with Bits once every 90 days. This is a legal requirement- to comply with European law, to keep your data as safe as possible. If you don’t renew it in time, we lose access to your transactions, and can’t report your rent.

Is open banking safe?

Bits uses Plaid, an FCA regulated payment institution, to obtain read-only access to your personal information, accounts and transactions including when you are offline. Your data is kept safe and private with best-in-class encryption protocols like the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS). You can find more information on how Plaid ensures the safety of your data here -https://plaid.com/safety/.

Which credit bureaus do you report my rent to?

We currently report your rent to Equifax, the credit bureau linked to ClearScore. You should be able to see Bits on your Equifax credit file under Rent Data.

Do I have to pay more for rent reporting?

No, not at all! Rent reporting is a feature that is included in our service as part of your subscription fee.

Where can I find 3DS FAQs?

They live right here on this separate part of our website: https://www.getbits.app/staging-support/3DS-test

Frequently asked questions

The money that I pay Bits - do I get that back?

No, you don’t get that back, as that is a fee for the credit building service we provide and is used to cover our costs.

How does Bits help you improve your Credit score?

In a nutshell, Bits is a digital store card which helps you build credit! We report your store card account to Experian, Equifax and TransUnion. Having a credit account on your credit file will impact your credit score positively in the following ways: - It builds up a history of on-time repayments - making payments on time is the most important factor affecting your credit score. - It increases your total credit limit, without increasing your total balance - all you need to do is pay your monthly fee on time, and your credit utilisation will be very low. Keeping this below 20% has a positive impact on your credit score. - It helps with your average age of credit - the longer you keep your account open, the older the account is, increasing your average age of credit. The average age of credit is another factor that affects your credit score. We also recommend keeping all credit card limit utilisation below 30% and clearing any CCJ, bankruptcy, or defaults you may have under your name so you can get the most out of Bits.

How can I use my credit?

You can use the credit assigned to you on our in-app store, the Bits Shop! The payments work on a voucher purchase basis that you can pay in 2 instalments, so you pay the first instalment upfront, and the remaining cost is added to your balance on your Bits digital store card. You can see your balance in the app, alongside your remaining available credit, and total credit limit. This balance is then charged to your debit card alongside your monthly fee on your next payment date. If we are unable to get that payment, this could have a negative impact on your score and file.

What subscription plan should I choose:

When choosing a plan, there are two things to bear in mind: The most important factor is choosing a plan that you're happy to keep for a fair while - ideally at least a year. Secondarily, the higher your monthly fee, the greater the impact each month. To reiterate, number 1 is the most important - ideally, choose a plan that you're happy to pay into for at least a year, even if this means your monthly fee is lower. This is because a long-term line of credit helps signal stability to lenders.

How long will it take to appear on my credit file?

Bits will usually take 6-8 weeks to appear on your credit file.

Is Bits safe to use?

Yes, absolutely! Bits is a member of Experian CAIS (registration number 11620703), Equifax Insight, TransUnion and is registered with the Information Commissioner’s Office (ICO) (registration number ZA507202).

I have bad credit. Can I still use it?

Yes, you can, but please know that Bits is not for everyone. There are a lot of circumstances in which you would be better off not applying for any new credit - including Bits. For example, if you have a recent CCJ, IVA, or bankruptcy; or if you are heavily indebted; or behind on bills; or generally struggling to make ends meet. You can always reach out to us discuss your circumstances in more detail via hello@getbits.app.

How do I sign up?

You can sign up for our service in 2 different ways: by using the website (https://www.getbits.app/) or by downloading our app on your phone using the Apple Store or Google Play Store. To find us in these stores, just search for “ Bits Credit”.

Can I change my payment date?

Yes. To do so, go to the account settings and choose the option “ Change my payment date”. After this, just select the day that you feel is the most convenient for you to be billed.

Can I change my card?

Yes, this can be done on the app or website too. Just go to the settings/ account settings and select the option “ Update my billing details”. After this, just insert the information for the card. Please be advised that the name on the card has to match the name of the account to which it was added.

How do I see the score improvements?

For Experian - use the Experian app. For Equifax - use the ClearScore app. For TransUnion - use the Credit Karma app. For the fullest picture of your credit health, use all three! We can't actually see your score - you're the only one who can see it and track it.

How do I cancel or amend my CPA?

To cancel or amend your continuous payment authority, please reach out to us via email or phone call.

How do I cancel?

Please email us at hello@getbits.app and we will get it done for you.

How do I pay you each month?

Every month we charge the card that you used during signup. Everything happens on auto. If for any reason we are unable to bill you (for example, if the card is declined), then we’ll email you letting you know.

If I miss a payment, will it affect my score?

Yes, any missed payments will be reported to the Credit Reporting Agencies, and this will most likely affect your score negatively.

What happens after I sign up?

You’ll immediately get a payment receipt, and within a few hours, you’ll also receive a welcome emails explaining how it works.

How do I get help?

Email us at hello@getbits.app

How do I change my password

There are 2 methods to recover a forgotten/lost password: - Delete and reinstall the app, and at the login screen, type in your email address and select the “I forgot my password” option. After this, a reset link will be sent to your email address; - On the website, go to the sign-in area and select the option “Forgot your password?”. After this, enter your email address and you will receive a reset link via email. Please note that the reset links expire in 5 minutes. If you are experiencing any issues with this procedure, email us at hello@getbits.app.

I signed up but didn’t get any emails

Please email us at hello@getbits.app if it’s been 24 hours and you still haven’t gotten anything.

How do I speak to you?

You can book a time with us: https://www.calendly.com/getbits/15min

If I delete the app, will that cancel my subscription?

No, it won’t. To cancel, email us at hello@getbits.app!

Do you offer any referral program?

Yes, we do indeed. To take advantage of the referral program, upon signing up, the new customer just needs to add the email of the person who referred him to the designated field. After this, the person who referred the new customer just needs to email us regarding this so he may collect his reward.

Why is my card not being accepted?

There are a few different reasons why this may happen, and this may vary from person to person. We use Stripe, so in most situations, this is out of our control, but if this happens to you, we would advise you to contact us at hello@getbits.app so we can try and understand what is happening in your specific case.

Can I use my partner’s card to pay?

Sadly, no. The card you pay with has to be in your name.

Why isn't Bits showing up on my file?

If it's been more than 8 weeks, and Bits still isn't on one or more of your credit files, then something's not right. Usually, the problem is that the address we have on file for you isn't linked to your credit file. Try updating your address with Bits, TransUnion, Equifax, and Experian. If, after a month, this hasn't worked, please get in touch with us at hello@getbits.app.

What is rental reporting?

When you are looking to apply for a mortgage, lenders will look for a history of repayments on your credit file. Through rental reporting with Bits, you enable us to report your payments by allowing us view-only access to your bank transactions, through open banking. This is a very secure way for us to identify and track your rental payments, to then report to Equifax. When we report your rent to Equifax, we build up a history of repayments to prove to lenders that you aren’t a risk, and will make your payments on time. Rental payments are by far the most accurate reflection of your ability to pay back a mortgage, as often, you’re actually paying more in rent per month than you would towards a mortgage.

Can I stop my rent payments being reported?

You can remove permission for rent reporting at any time by emailing hello@getbits.app.

My renting details have changed. How can I update this?

To change your rental details, your best option is to contact us at hello@getbits.app. Due to the different details that might need to be changed, there is a high chance that your rent reporting profile might need to be reset, and that procedure is made by the customer support team.

What happens if I miss a rental payment?

You need to make sure that you pay your rent. If you miss a rental payment, this could have a negative effect on your credit score.

Why do I have to renew rent reporting every 90 days?

You’ll need to renew your rental reporting with Bits once every 90 days. This is a legal requirement- to comply with European law, to keep your data as safe as possible. If you don’t renew it in time, we lose access to your transactions, and can’t report your rent.

Is open banking safe?

Bits uses Plaid, an FCA regulated payment institution, to obtain read-only access to your personal information, accounts and transactions including when you are offline. Your data is kept safe and private with best-in-class encryption protocols like the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS). You can find more information on how Plaid ensures the safety of your data here -https://plaid.com/safety/.

Do I have to pay more for rent reporting?

No, not at all! Rent reporting is a feature that is included in our service as part of your subscription fee.

Where can I find 3DS FAQs?

They live right here on this separate part of our website: https://www.getbits.app/staging-support/3DS-test

Frequently asked questions

The money that I pay Bits - do I get that back?

No, you don’t get that back, as that is a fee for the credit building service we provide and is used to cover our costs.

How does Bits help you improve your Credit score?

In a nutshell, Bits is a digital store card which helps you build credit! We report your store card account to Experian, Equifax and TransUnion. Having a credit account on your credit file will impact your credit score positively in the following ways: - It builds up a history of on-time repayments - making payments on time is the most important factor affecting your credit score. - It increases your total credit limit, without increasing your total balance - all you need to do is pay your monthly fee on time, and your credit utilisation will be very low. Keeping this below 20% has a positive impact on your credit score. - It helps with your average age of credit - the longer you keep your account open, the older the account is, increasing your average age of credit. The average age of credit is another factor that affects your credit score. We also recommend keeping all credit card limit utilisation below 30% and clearing any CCJ, bankruptcy, or defaults you may have under your name so you can get the most out of Bits.

How can I use my credit?

You can use the credit assigned to you on our in-app store, the Bits Shop! The payments work on a voucher purchase basis that you can pay in 2 instalments, so you pay the first instalment upfront, and the remaining cost is added to your balance on your Bits digital store card. You can see your balance in the app, alongside your remaining available credit, and total credit limit. This balance is then charged to your debit card alongside your monthly fee on your next payment date. If we are unable to get that payment, this could have a negative impact on your score and file.

What subscription plan should I choose:

When choosing a plan, there are two things to bear in mind: The most important factor is choosing a plan that you're happy to keep for a fair while - ideally at least a year. Secondarily, the higher your monthly fee, the greater the impact each month. To reiterate, number 1 is the most important - ideally, choose a plan that you're happy to pay into for at least a year, even if this means your monthly fee is lower. This is because a long-term line of credit helps signal stability to lenders.

How long will it take to appear on my credit file?

Bits will usually take 6-8 weeks to appear on your credit file.

Is Bits safe to use?

Yes, absolutely! Bits is a member of Experian CAIS (registration number 11620703), Equifax Insight, TransUnion and is registered with the Information Commissioner’s Office (ICO) (registration number ZA507202).

I have bad credit. Can I still use it?

Yes, you can, but please know that Bits is not for everyone. There are a lot of circumstances in which you would be better off not applying for any new credit - including Bits. For example, if you have a recent CCJ, IVA, or bankruptcy; or if you are heavily indebted; or behind on bills; or generally struggling to make ends meet. You can always reach out to us discuss your circumstances in more detail via hello@getbits.app.

How do I sign up?

You can sign up for our service in 2 different ways: by using the website (https://www.getbits.app/) or by downloading our app on your phone using the Apple Store or Google Play Store. To find us in these stores, just search for “ Bits Credit”.

Can I change my payment date?

Yes. To do so, go to the account settings and choose the option “ Change my payment date”. After this, just select the day that you feel is the most convenient for you to be billed.

Can I change my card?

Yes, this can be done on the app or website too. Just go to the settings/ account settings and select the option “ Update my billing details”. After this, just insert the information for the card. Please be advised that the name on the card has to match the name of the account to which it was added.

How do I see the score improvements?

For Experian - use the Experian app. For Equifax - use the ClearScore app. For TransUnion - use the Credit Karma app. For the fullest picture of your credit health, use all three! We can't actually see your score - you're the only one who can see it and track it.

How do I cancel or amend my CPA?

To cancel or amend your continuous payment authority, please reach out to us via email or phone call.

How do I cancel?

Please email us at hello@getbits.app and we will get it done for you.

How do I pay you each month?

Every month we charge the card that you used during signup. Everything happens on auto. If for any reason we are unable to bill you (for example, if the card is declined), then we’ll email you letting you know.

If I miss a payment, will it affect my score?

Yes, any missed payments will be reported to the Credit Reporting Agencies, and this will most likely affect your score negatively.

What happens after I sign up?

You’ll immediately get a payment receipt, and within a few hours, you’ll also receive a welcome emails explaining how it works.

How do I get help?

Email us at hello@getbits.app

How do I change my password

There are 2 methods to recover a forgotten/lost password: - Delete and reinstall the app, and at the login screen, type in your email address and select the “I forgot my password” option. After this, a reset link will be sent to your email address; - On the website, go to the sign-in area and select the option “Forgot your password?”. After this, enter your email address and you will receive a reset link via email. Please note that the reset links expire in 5 minutes. If you are experiencing any issues with this procedure, email us at hello@getbits.app.

I signed up but didn’t get any emails

Please email us at hello@getbits.app if it’s been 24 hours and you still haven’t gotten anything.

How do I speak to you?

You can book a time with us: https://www.calendly.com/getbits/15min

If I delete the app, will that cancel my subscription?

No, it won’t. To cancel, email us at hello@getbits.app!

Do you offer any referral program?

Yes, we do indeed. To take advantage of the referral program, upon signing up, the new customer just needs to add the email of the person who referred him to the designated field. After this, the person who referred the new customer just needs to email us regarding this so he may collect his reward.

Why is my card not being accepted?

There are a few different reasons why this may happen, and this may vary from person to person. We use Stripe, so in most situations, this is out of our control, but if this happens to you, we would advise you to contact us at hello@getbits.app so we can try and understand what is happening in your specific case.

Can I use my partner’s card to pay?

Sadly, no. The card you pay with has to be in your name.

Why isn't Bits showing up on my file?

If it's been more than 8 weeks, and Bits still isn't on one or more of your credit files, then something's not right. Usually, the problem is that the address we have on file for you isn't linked to your credit file. Try updating your address with Bits, TransUnion, Equifax, and Experian. If, after a month, this hasn't worked, please get in touch with us at hello@getbits.app.

What is rental reporting?

When you are looking to apply for a mortgage, lenders will look for a history of repayments on your credit file. Through rental reporting with Bits, you enable us to report your payments by allowing us view-only access to your bank transactions, through open banking. This is a very secure way for us to identify and track your rental payments, to then report to Equifax. When we report your rent to Equifax, we build up a history of repayments to prove to lenders that you aren’t a risk, and will make your payments on time. Rental payments are by far the most accurate reflection of your ability to pay back a mortgage, as often, you’re actually paying more in rent per month than you would towards a mortgage.

Can I stop my rent payments being reported?

You can remove permission for rent reporting at any time by emailing hello@getbits.app.

My renting details have changed. How can I update this?

To change your rental details, your best option is to contact us at hello@getbits.app. Due to the different details that might need to be changed, there is a high chance that your rent reporting profile might need to be reset, and that procedure is made by the customer support team.

What happens if I miss a rental payment?

You need to make sure that you pay your rent. If you miss a rental payment, this could have a negative effect on your credit score.

Why do I have to renew rent reporting every 90 days?

You’ll need to renew your rental reporting with Bits once every 90 days. This is a legal requirement- to comply with European law, to keep your data as safe as possible. If you don’t renew it in time, we lose access to your transactions, and can’t report your rent.

Is open banking safe?

Bits uses Plaid, an FCA regulated payment institution, to obtain read-only access to your personal information, accounts and transactions including when you are offline. Your data is kept safe and private with best-in-class encryption protocols like the Advanced Encryption Standard (AES 256) and Transport Layer Security (TLS). You can find more information on how Plaid ensures the safety of your data here -https://plaid.com/safety/.

Do I have to pay more for rent reporting?

No, not at all! Rent reporting is a feature that is included in our service as part of your subscription fee.

Where can I find 3DS FAQs?

They live right here on this separate part of our website: https://www.getbits.app/staging-support/3DS-test

300,000

People using Bits

1M+

Credit reports sent

4.5 / 5 ⭐️

on Trustpilot

300,000

People using Bits

1M+

Credit reports sent

4.5 / 5 ⭐️

on Trustpilot

300,000

People using Bits

1M+

Credit reports sent

4.5 / 5 ⭐️

on Trustpilot

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

1 Hallswelle House, Hallswelle Road,
London, NW11 0DH, United Kingdom

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

1 Hallswelle House, Hallswelle Road,
London, NW11 0DH, United Kingdom

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

1 Hallswelle House, Hallswelle Road,
London, NW11 0DH, United Kingdom

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.