Open an account
The score is free. There is no subscription.
Community Credit, circles, savings and Wiremi-to-Wiremi transfers are all free, in full. There is no plan to pick, so you can start the record today.
No card required, and no subscription.
Getting started
Four steps, and only one of them takes any effort.
- 01Two minutes
Download and register
Email, a PIN, and you are in. Available on iOS and Android.
- 02Asked once, ever
Verify once
Government ID and proof of address. You are never asked again, not to enrol in reporting, not to become a benefactor.
- 0345% of the score
Join or start a circle
The heaviest source in your score. Invite the people you already save with, or join a circle that is running.
- 04From day one
The record begins
Your first contribution clears and Community Credit starts. Everything after that compounds.
Free
Everything that builds the file.
A credit file you cannot build without paying is not a credit file. Everything that builds yours is free, and there is no subscription.
See pricingStart with a circle.
It is the heaviest source in the score, it needs no documents, and you probably already know the ten people.