Updraft: Pay Off Card Debt

Updraft helps people pay off credit card debt.

Cards are built to keep you paying. Make the minimum payment and most of it goes on interest, so the balance barely moves. Updraft shows you what your cards are really costing, then helps you pay them off faster.

HOW IT WORKS

See what you owe. Link your cards through open banking and every balance sits in one place.

See what it's costing. The real interest you're paying, and how long your cards will take if you only ever pay the minimum.

Pay it off faster. Updraft brings your credit card balances into one payment, sometimes called debt consolidation, so more of what you pay goes on the debt, not the interest.

LOOK AROUND FIRST

No account, no password, nothing handed over up front. Download for free and explore. When you're ready, link a card or your bank and your real numbers fill in. Checking your own details won't affect your credit score.

YOUR CREDIT REPORT, FREE

Your credit score shapes what you can borrow and what it costs you. Create your account and your credit report and score are there, free, with no catch and no subscriptions to cancel.

WHY PEOPLE USE UPDRAFT

Over 1,000,000 members. More than £750 million of credit card and overdraft debt paid off. Voted best personal finance app at the British Bank Awards 2026, by the people using Updraft to pay off their credit card debt. Authorised and regulated by the Financial Conduct Authority.

Free to download. If you take out an Updraft loan to pay off your cards, it carries interest like any loan, and the rate you're offered depends on your circumstances.