Join The Credit Thing

Instant free virtual card, amazing service and no hidden fees. We've developed an app that you'll want to use every day
Download the app
Sign up via The Credit Thing app
Enjoy The Credit Thing!

Scan QR code to get

The Credit Thing

For iOS
For Android

Who is The Credit Thing for?


You are new to the UK or want to try something different
You prefer to talk with human customer service
You are bored of the same big banks, long forms and slow answers
You value innovation, convenience and transparency

You must be 18 or older and resident in the UK

The Credit Thing Features

Shake to Pay

If your friend has The Credit Thing, it's easy to send them money. Just shake your phones near each other - it's as simple as that

Regular payments

Pay your bill automatically each month

with your debit card, or directly from

your bank account

Tools to monitor your spend

Simple charts to track your spend
Household appliances-16.002%

Virtual and
physical cards

Get your virtual card instantly,

and order a beautiful card for

your wallet

Apple and Google Pay

Pay for purchases without a physical card. In stores, in apps and on the web

The Benefits

Protecting your money

We have controls to protect you from fraud and we’re always on hand to help

Human customer service

You can reach our customer support team in your app, WhatsApp or iMessage

Fee-free overseas spend

Make transactions overseas with the best Mastercard rates and no fees

Securing your account

If you misplace your card, you can freeze your account on our mobile app

The Credit Thing

Why should I choose

The Credit Thing


We care about our customers. Even though we value technology, we still have a human customer service team to answer any questions you have


We made The Credit Thing as simple, clear and convenient as possible. We know your time is valuable so we don’t bury you in paperwork

The Credit Thing
We’ll send you a message with a link to

download The Credit Thing app