<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Zempler Activeplus Bank account
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Personal Creditbuilder

Build your credit score over the coming year

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Who is Creditbuilder for?

If you don’t have a credit history or want to improve your credit score, Creditbuilder can help with everything from getting a mobile phone contract to having your mortgage application approved.

How Creditbuilder works

  1. Activeplus account customers

    Once you’ve activated your Activeplus card, you’ll find the Creditbuilder tool online and in the Zempler app. Please note new applications for Activeplus are currently closed on our website. 

  2. 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.

  3. Grow your credit score

    We’ll report your monthly repayments to credit reference agencies, which will build your business credit score. This isn’t an overnight fix, but you could see an improvement within months.

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 £9 on time, as missing a payment can harm your business 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.

Start building your credit score

Add Creditbuilder to your Activeplus account in-app or online. Get answers to your questions about Creditbuilder in our online Help section .

Help Centre


© 2024 Zempler Bank


Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.