No - all of our phones are unlocked to any SIM network, so can be used with any Network or SIM. We are working on bringing SIM + handset phone contracts to you soon, which we hope to launch this summer.

We don’t rely on credit checks to make lending decisions as we believe there are issues with data quality that ultimately impede a person’s access to credit. We take account of the whole person, truly try to understand their situation, and take a nuanced approach with every customer we try to serve. Open Banking data is like showing us a digital bank statement, which we believe gives us a better understanding of your financial position than a credit score.

Today, we offer refurbished phone contracts because they are more affordable and more sustainable. Despite this, they can sometimes be a little less reliable. All of our phones come with a 1-year warranty, so if you do experience any problems, you can get it fixed for free.

Our categorised training data of 4,000,000+ transactions was painstakingly annotated by expert annotators, to create a human-verified gold-standard for our automated system to match. The system uses “large-language models (LLMs),” the technology underlying generative AI, to extract information not only from important words, but words and phrases in context, and their interaction with transaction amounts.

Yes. All transaction data is encrypted and stored on secure servers. Only necessary members of the data science team will have access to transactions, and we handle all data in accordance with UK and EU GDPR regulations. We can also accomodate bespoke requirements on request.

No. The categorisation engine assigns all categories as accurately as possible.