Our Personal Account Credit Add-ons.

Ready to kick in when you need it most. 

We’ve designed our unique set of products to make sure we can support you when your need it.

As a responsible lender we’ll need to make sure you meet our eligibility criteria before you can add these onto your Cashplus Bank Account, but don’t worry, as soon as you’re eligible we’ll let you know. Please remember: Late repayments on credit products could cause you serious money problems. If you need assistance, please visit the Money Advice Service



Your route to a better credit score.

Maybe you’ve let a few defaults make their way onto your report, or you’re new to UK and want to show you’re a responsible borrower but don’t have the history yet.

We designed Creditbuilder to help people just like you.

It could help improve your rating
All you pay is the cost of your normal monthly account fee which we turn into a loan agreement, with no money changing hands. 

No credit checks
Add creditbuilder to your account, with no interest charged

Build your credit history
We report this agreement to the Credit Reference Agencies as successful loan repayments

Representative Example: Amount lent by APS: £71.40 for 12 months, 0% interest. 12 monthly payment of £5.95. Total amount payable: £71.40. Representative 0% APR.


  • Payments must be made on time to avoid damaging your credit rating, as we’re obliged to report this information to the Credit Reference Agencies. 
  • Creditbuilder is only available to customers who have a monthly fee on their Cashplus Bank Account (like the Activeplus account)
  • For more information on how Creditbuilder works and signing up, view our Creditbuilder page.


Your flexible safety net. 

Rest assured your card won’t be declined at a crucial moment.

By adding our overdraft to your Cashplus Account you’ll have a reusable line of credit available to use, in case your own money runs out. Once you set up your overdraft via your Cashplus Bank App or Online Banking, it’s yours to use on whatever you choose. Withdraw cash, cover bills – dip into it when you need to and simply deposit into your account to repay it. We'll let you know as soon as you're eligible. 

Representative APR 69.9% (variable)

Based on an arranged overdraft limit of £100 and an interest rate of 57.07% EAR (variable)

Check out our Overdraft page for more details.

Apply via Online banking or Cashplus banking app

Withdraw cash, cover Direct Debit and Standing Order or and make purchases

Interest only charged on daily balances over £5

What next?

If you’re an existing Cashplus customer and have opted into receiving marketing communications, we’ll let you know as soon as you’re eligible for one of our bank account extras via email, Online Banking message or Push Notification/SMS. 

Worried you’ve missed a notice? No problem – just login to Online Banking or the Bank App. Your eligible products will display on your Account Overview screen, or you can visit the Bank account extras section.

If you’ve opted out of receiving marketing communications, you won’t be sent any communications about products you may be eligible for.

If you’re after some more information on any of our products, check out our help centre.

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 Cashplus Bank, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/.

Advanced Payment Solutions Limited (APS), trading as Cashplus Bank, is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). APS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.

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

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