Screenshot of the homepage showing the personal finance management features of the credit building app Portify

A new way to build credit

Welcome to Portify!

The simple and easy way to build your credit score.

Join a community of users who have seen their scores improve by 100 points in just three months.

Button to download Portify on the App StoreButton to download Portify on Google Play

Trusted by a community of 30,000+ members

Kamil
Portify is great. My score went up 30 points after an update on my credit file.
Trustpilot
Matt H
Love this app - really helpful. Nice to see my predicted expenses. Weekly quiz is great too
Google Play Store
Fedor
Portify is a great product to build credit and has super fast support!
Trustpilot
Francesca F
Haven't been with Portify long but they help me look at my finances across al accounts and direct debits. They quiz me on finances, give me bonus money off and lend it i'm a little short of money that month!
Apple App Store

Automatic credit score boost with your membership

We partner with Experian to improve your credit history through your monthly membership fee.
Learn More

The longer you're a member, the more credit history you build. Boost your credit score without a credit card.
Screenshot of Credit Boost homepage from credit builder app Portify

How Portify builds your credit score

1
Download the Portify app and sign up
Join 20,000 Portify users and sign up in less than 5 minutes.
2
Pay your monthly fee on time
We deduct each payment securely from a bank account of your choice.

Portify monthly fees
Portify membership    £4/month
Portify Plus                   £7/month
3
Each on time payment builds credit history
We report your monthly payments to our partner, Experian. Learn More

Low balance predictor

Get instant alerts when your bank balance falls low, and avoid going into your overdraft.

Portify members use our app to better plan for upcoming expenses and avoid costly fees.
Screenshot of low balance predictor notification from credit score builder Portify

Interest-free loans

If you qualify for Portify Plus, you can access an interest-free safety net up to £150, and protect yourself from sudden expenses. Loan repayment dates are clearly laid out and easy to understand.

As a Portify Plus member, we protect you from unexpected bills that put you into your overdraft or push you to taking out payday loans that can damage your credit score.

There are no hidden fees, beyond your regular monthly membership fee.

Interest-free loans are included as part of the Portify Plus membership for £7/month.
Screenshot of Flex Finance interest-free loans homepage from credit builder app Portify

Achieve Financial Stability & Independence

Portify is much more than a personal finance app. We care about your financial strength and will help you take control of your finances and provide actionable tips to build a financial safety net.

Whether your goal is to build your credit to purchase your first home or to get yourself out of debt, our flexible no-interest financing is here when you need it most.
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IASME certified
We are IASME Cyber Essentials certified. Our systems are routinely penetration tested by external security firms.
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FCA Authorised
Portify is authorised and regulated by the Financial Conduct Authority under firm registration number 828125/826665.
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Bank-grade security
Your data stored with Portify is secured using AES 256-bit end-to-end encryption.
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Read-only access
We only ever have read access to your banking and financial transaction data. Portify cannot access or move your money.