Open an account
Free to start. The score is not the paid part.
Community Credit, circles, savings and Wiremi-to-Wiremi transfers all work on the free plan, in full. Build the record first and decide about a plan later.
No card required. Free forever on the personal plan.
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.
On the free plan
Everything that builds the file.
A credit file you cannot build without paying is not a credit file, it is a subscription. Paid plans widen what you can report and what you can share, they do not gate the score.
Compare plansStart with a circle.
It is the heaviest source in the score, it needs no documents, and you probably already know the ten people.