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We're building a hybrid platform, together.

By solving your problems, treating you properly and by being completely transparent, we believe we can make the world of finance just a little bit better.

We're here to make credit work for everyone.

More than 250,000 people use our beautifully designed app to manage their credit score and shop in our store.
Download the app to join them.

We’re trying to revolutionize how people understand credit

Credit only exists in computer code. We’re trying to bring it to life so humans can start understanding what credit really is. One of the ways we do this is through our Bits School of Credit which is a free financial education resource in the app.

We're focused on financial inclusion: everyone.

We believe that everyone has a right to access financial services that work for them, but many people are factored out because of confusing wording, unclear product descriptions and hidden fees.

We value honesty, and we'll tell you if we think Bits isn't the right thing for you.

As with any credit product, Bits is not for everyone, therefore we will make it clear if we think that Bits is a bad choice for you.

Supporting those who make Bits, Bits.

We have our team dedicated to understanding and considering the needs of all their customers, especially those in difficult or unique circumstances. We offer specialist support designed with that in mind.

Backed by one of the best.

Bits is backed by Y Combinator, which is a San Francisco based investment firm that has invested in startups with a combined valuation of over US$ 600 billion, including Airbnb, Stripe, Dropbox and Instacart.

How we started...

Faisal, Bits' Founder, moved to London from the US. Almost immediately, he encountered a big problem: without a UK credit history, he found himself unable to open even a bank account – let alone get a mobile phone contract or credit card, and as such, Bits was born: whether it's your entry to credit, or a boost, Bits helps you break into the club.