Want to improve your credit score?
Apply for an Activeplus account with Creditbuilder, the Bank account add-on unique to Zempler
The Zempler Bank account with a Creditbuilder add-on
One of the best things about an Activeplus account is its potential to improve your credit score.
Having a healthy credit rating can help with everything from getting a mobile phone contract to having your mortgage application approved. Creditbuilder has already helped more than 200,000 people boost their credit score.
How Creditbuilder works
- Apply for an Activeplus account - You can opt-in for Creditbuilder during your Activeplus application, or you can find the Creditbuilder tool in Online banking and in the Zempler app later once you've activated your card. Please note new applications for Activeplus are currently closed on our website.
- Make payments & track progress - Creditbuilder is a 12-month commitment to paying your monthly £5.95 account fee on time. Track your progress through the Creditbuilder dashboard in-app or online, where you’ll find your payment dates, outstanding balance, and payment history.
- Grow your credit score - We’ll report your monthly repayments to credit reference agencies, which will build your credit score. This isn't an overnight fix, but you could see an improvement within months.
Who is Creditbuilder for?
If you’ve recently moved to the UK, don’t have much credit history or you need to improve your credit score, Creditbuilder could get you moving in the right direction. You’ll be entering into a 12-month contract, so you should only sign up if you're sure you can commit to making all 12 payments on time. After the 12-month Creditbuilder agreement has finished, you will continue to have the Activeplus account (with a monthly fee of £5.95).
Representative example
Payments: 12 monthly payments of £5.95
Total amount payable: £71.40
Interest rate: 0%
Representative APR: 0%
What you need to know
You must be able to afford to make all your 12 monthly payments of £5.95 on time, as missing a payment can harm your credit score.
You can cancel within the first 14 days. Otherwise, you're committed to making the 12 monthly account fee payments.
Creditbuilder isn’t a loan or credit card, so you won’t get money when you use it.
Activeplus
£5.95 monthly
FSCS protection up to £85,000 on eligible deposits
Bank in-app or online anytime, anywhere
Pay in cash at any of the UK’s 11,500 Post Offices
UK telephone customer support from real humans
Improve your credit rating with Creditbuilder at no extra cost
Take off with travel currency cards
Card fee
£5.95
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
9 free a month (99p after)
Cash withdrawals
Free (UK), Free (non-UK)
Pay in cash at any UK Post Office
£3 minimum fee (or 0.5% of the total amount paid in)
Start building your credit score
Get answers to your questions about Creditbuilder in our online Help section.
Help Centre