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I love using TotallyMoney, it helps me to keep an eye on my credit score and areas that need improving. If i want a new credit card it shows me the best on the market and also allows to see my chances... See more
Company replied
Grate site help me keep an eye on my spending and money. Let's me know how I can improve my credit. I can see updated information of my credit rating if its gone up or down.
Company replied
Really informative breakdown of the credit score reasoning and changes to my report over time. Easy to search for credit or current accounts. Love that its free!
Company replied
Company details
Written by the company
Our technology puts you right at the centre of your credit data, helping you make smarter decisions to take control of your finances. Use our free credit report and live credit score, along with our unique Borrowing Power and Match Factor technologies, to find the right financial products, make better financial decisions and build a stronger credit history. We believe that our technology can drive a better and fairer consumer credit market that can help you get smart with credit!
Get a better credit score
Written by the company
- 97% of customers recommend us to improve your credit score
- Credit scores don't always feel fair. That's because they were made for lenders. Now, make yours work for you and move on up towards your goals, for free.
Contact info
White Collar Factory, 1 Old Street Yard, EC1Y 2AS, London, United Kingdom
- help@totallymoney.com
- www.totallymoney.com
4.4
Excellent
14k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 88% of negative reviews
Typically replies within 1 week
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Easy to understand
Really informative breakdown of the credit score reasoning and changes to my report over time. Easy to search for credit or current accounts. Love that its free!
22 June 2026
Unprompted review
Reply from TotallyMoney
This is great to hear, Ellie!
We are happy to hear that you are finding our service informative as this is exactly the type of help we strive to provide for our users.
The TotallyMoney Customer Ops Team
Good experience easy app to use helpful…
Good experience easy app to use helpful and good advice excellent added extras to use in the app
22 June 2026
Unprompted review
Reply from TotallyMoney
Thank you for the review, Claire!
We are happy to hear that you have had a good experience using our app and have found our service helpful.
The TotallyMoney Customer Ops Team
Easy to use & up to date information
Easy to use & up to date information
17 June 2026
Unprompted review
Reply from TotallyMoney
We are glad you are finding our service easy to use, Dawn!
This is what we are hoping to provide for our users and hope we are able to maintain this level of service.
The TotallyMoney Customer Ops Team.
It's a very good app always shows…
It's a very good app always shows relevant deals and products to me.
20 June 2026
Unprompted review
Reply from TotallyMoney
This is great to hear, Alok!
We are happy to hear that you are enjoying the use of our service and are being shown products that are relevant to your current financial situation.
The TotallyMoney Customer Ops Team
Easy access to credit report.
20 June 2026
Unprompted review
Reply from TotallyMoney
We’re so happy to hear that you've been able to access your credit report, Nassor!
If you're happy with our service we'd love to get that extra star from you. Alternatively, we're keen to hear how we can improve, at help@totallymoney.com!
All the best,
The TotallyMoney Customer Ops Team
Yeah been great for me.Nothing bad to.o…
Yeah been great for me.Nothing bad too say.
1 June 2026
Unprompted review
Reply from TotallyMoney
This is great to hear, Jacqueline!
We hope that you continue to find our service useful moving forward.
The TotallyMoney Customer Ops Team
My credit score is accurate,frequently…
My credit score is accurate,frequently updated and faster than the other companies that offer a similar service.
19 June 2026
Unprompted review
Reply from TotallyMoney
We are happy to hear that your score is accurately shown, Anthony!
This is exactly the level of service that we strive to deliver for our users are hope that we are able to match this moving forward.
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thanks for the positive feedback, Sami!
We are happy to hear that you are pleased with our service.
The TotallyMoney Customer Ops Team
My experience with total top experience…
My experience with total top experience
I'm happy I have total experience
18 June 2026
Unprompted review
Reply from TotallyMoney
We are glad to hear you have had a top experience!
This is exactly the level of service that we are hoping to achieve and wish to provide for you moving forward.
The TotallyMoney Customer Ops Team
Very helpful
Very helpful. I get all the information I need to keep my finances in check. Highly recommend it.
1 June 2026
Unprompted review
Reply from TotallyMoney
We are glad to hear that you are finding our service helpful, Steph!
We know how important keeping your finances in check is and are delighted to know that we are helping you with this. We truly appreciate your recommendation.
The TotallyMoney Customer Ops Team
Excellent for Credit Tracking
I really love this app. It is very reliable for tracking credit score history, hard and soft searches, and credit card offers. It has helped me improve a lot financially, and I am eager to do even more in the future. Both the app and website are strong and easy to use.
12 June 2025
Unprompted review
Reply from TotallyMoney
We’re so happy to hear that you are loving the app!
If you're happy with our service we'd love to get that extra star from you. Alternatively, we're keen to hear how we can improve, at help@totallymoney.com!
All the best,
The TotallyMoney Customer Ops Team
It is very inaccurate
It is very inaccurate , do not notice money saved in a separate pots, downgraded me by 14 points for ' missed payment" on credit card with 0 balance because their software confused non payment ( 0 balance) with missed payment.
11 May 2026
Unprompted review
Reply from TotallyMoney
Thank you for taking the time to leave a review, Wojciech!
We are sorry to hear that you are unhappy with aspects of our service. It is important to note that we are not responsible for making changes to your credit score. This is done by TransUnion based on the information on your report. In regards to your savings, unfortunately our open banking partner, Bud is not able to categorise savings made into pots. We appreciate that this will prevent you from seeing an accurate depiction of your finances, however these insights are only available to you and do not impact your credit score.
All the best,
The TotallyMoney Customer Ops Team
I check my credit report every day and…
I check my credit report every day and get offered loans and credit cards and been pre approved and after going through all the hassle of filling out forms only to find you have been refused credit. But why does Totally money offer these loans knowing that you will be turned down.
Regards
Gloria
3 May 2026
Unprompted review
Reply from TotallyMoney
Thank you for your review, Gloria!
We're sorry to hear that your application didn't go as expected. We understand it can be disheartening when applications comes back unsuccessful.
As a broker, our goal is to provide you with products that you're most likely to be accepted for, based on the information we receive from the lender and the data we hold. It's important to note that even with pre-approval, the final decision lies with the lender, who conducts their own checks and assessments using their own criteria. To gain more insight into why your application wasn't accepted, I suggest contacting the lender directly to see if they can provide you with any further insight.
All the best,
The TotallyMoney Customer Ops Team
Bud - a shambles of a system.
I can't renew 3 connections as your system rejects my identification provided. After 2 of these attempts, as I went back to try another account, your joke of a system told me that the accounts had been reconnected!!!
But on the front screen the number of unconnected accounts remained at 9. I did succeed with one account so you have 1 star.
And once the list of banks, which you informed me you had reconnected, appeared, these banks were showing as connection expired. For goodness sake, make your mind up.
I tried to delete some of the connections, as the accounts were closed, but had to provide a reason. However the panel for the optional reason text could not be reached and the "continue" button was beneath that. I only discovered this by using the down arrow at the foot of my Android Samsung A26 phone screen. So I typed blind then hit the down arrow so I could hit continue.
Then your joke of a system informed me, there had been a problem, so the disconnection had not worked, and although the system knew the reason, your system designers decided that should be kept a secret.
Quoting what Sir Alan Sugar would have said "What a bloody mess".
25 April 2026
Unprompted review
Reply from TotallyMoney
Hi Richard, thank you for taking the time to leave a review.
We are sorry to hear that you have encountered an issue with our open banking system. We would like to assist with this, however we would need further information. If you have not already done so, please reach out to us at help@totallymoney.com.
Once again, we apologise for any inconvenience that this may have caused.
The TotallyMoney Customer Ops Team
Awful website
Awful website, I don’t want to log in with your stupid magic link! I cant access my email address, I created a password for a reason
15 April 2026
Unprompted review
Reply from TotallyMoney
Hello, Oznur.
Thank you for taking the time to leave a review, although we are sorry to hear that you have been unable to access your account through the magic link. We have recently made changes to our service to add alternative login methods. On occasion you may be asked to use a magic link or passcode to login to ensure the security of your account.
This will only happen from time to time, as after logging in using a magic link or passcode, you should then be prompted to use your email and password as normal.
Please could you contact us at help@totallymoney.com in order for us to assist with helping you regain access to your account. Once again, we apologise for the inconvenience that this has caused.
All the best,
The TotallyMoney Ops Team
Not very accurate at all
Not very accurate at all. Doesn’t pick up on monthly saving in my different pots, and says that I’m overspending and flagging it up when I have so much savings in my accounts! I wouldn’t call it a reliable source for your financial data.
9 April 2026
Unprompted review
Reply from TotallyMoney
Hello, May!
Thank you for your review, although we're sorry to hear about your recent experience.
Your savings insights should capture the savings you make, but these are categorised by our open banking partner, Bud, and there are some exceptions, including the one that you have mentioned, (Savings made to an account with the same bank as the connected account, including 'pots' or 'spaces). Please note, your Affordability insights data is only visible to you, so you can understand how lenders may view you. We don't send these insights to lenders. They're only for your benefit, so you can judge your own affordability before you apply for credit.
All the best,
The TotallyMoney Customer Ops Team
Very Bad Experience
Very Bad Experience, started using the platform to view and apply for possible loan or card offers. But the contact details data has been leaked and I get calls almost everyday from the past 1-2 months offering money from unsolicited companies.
16 February 2026
Unprompted review
Reply from TotallyMoney
Hello, Vishnu!
Thank you for your review, although we're sorry to hear about your recent experience.
We take matters such as this very seriously and have a number of controls in place to prevent the loss of customer information.
So that we can investigate the matter, can you pleas get in touch with us at help@totallymoney.com.
All the best,
The TotallyMoney Customer Ops Team
Misleading “100% approval” & waste of…
Misleading “100% approval” & waste of time
My experience with Abound has been extremely frustrating and disappointing.
I was shown a “100% approved loan offer”, which naturally gave me the confidence that my application would be successful. Based on that, I went through the entire process — linking all my bank accounts, submitting payslips, and allowing a full review of my income and transactions.
I have a good repayment history and have never missed any payments, yet after several days of detailed checks and clear access to all my financial data, my application was suddenly declined due to affordability.
This is not about the rejection — lenders have their criteria — but about giving customers false hope from the beginning.
If strict affordability checks are going to override the initial decision, then showing “100% approval” is misleading and wastes people’s time. The process is long, intrusive, and emotionally stressful when you are relying on that outcome.
Please be transparent and responsible in how you present loan approvals. Don’t give people confidence in an offer that you may later withdraw.
Very disappointing experience.
23 February 2026
Unprompted review
Reply from TotallyMoney
Thank you for the review, Surya.
We are sorry to hear about your disappointment with a recent application.
As a broker, our goal is to provide you with products that you're most likely to be accepted for, based on the information we receive from the lender and the data we hold. It's important to note that even with pre-approval, the final decision lies with the lender, who conducts their own checks and assessments using their own criteria. To gain more insight into why your application wasn't accepted, I suggest contacting the lender directly to see if they can provide you with any further insight.
The TotallyMoney Customer Ops Team
Reply from TotallyMoney
Thank you for the positive review, we really appreciate it!
The TotallyMoney Customer Ops Team
This app works flawlessly
This app works flawlessly, providing all the information you need without any issues.
26 January 2026
Unprompted review
Reply from TotallyMoney
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The TotallyMoney Customer Ops Team
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