Debt Freedom.
Made Doable.
Pay off debt effortlessly with one small, automatic payment at a time
Our app helps you make change
Change is possible
Round up spare change, double it, or let Smart Pay find what you can afford. Three simple ways to pay off debt effortlessly
Change is atomic
Leveraging atomic habits and gamification, you can set small achievable goals to repay your credit card debt - earning badges along the way to celebrate your progress
Change is wise
Credit card statements can be confusing, packed with complex figures and hidden details. We turn yours into a clear, one-page visual, making it simple to understand your finances and make smarter decisions
Powered by Open Banking
Industry leading app security
Your data is protected by bank-level security standards, ensuring compliance with strict UK Open Banking regulations
Every transaction is securely encrypted and processed efficiently using Open Banking’s regulated framework
Open Banking gives you secure access to your financial data, putting you in control of your money with full transparency
How our app works
What our app does not do
Hold your money – Your funds stay in your bank, we just help automate repayments
Initiate payments to third parties – Only payments to your linked credit card(s)
Sell your data – We respect your privacy. Your data is secure and never sold