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The UAE's credit intelligence platform

Your credit score,
finally in your hands.

Understand it, see exactly what moves it, and stay ahead of how buy-now-pay-later quietly affects it, before it costs you a mortgage, a car loan, or a job.

Upload your credit report Bank-grade encryption Free, forever
Score moved
Your score went up +12 points this week. New utilisation looks great.
BNPL Guard
3 active accounts detected on your file.
Estimated impact: −28 pts
Good evening
Inaam
IS
300
Good
12 pts this month
BNPL Guard
3 accounts tracked
−28 pts
WHAT'S MOVING YOUR SCORE
Payment history
94%
Utilisation
72%
Credit age
58%
Everything on your credit report, in one clear place
The blind spot

Every buy-now-pay-later
purchase is on your file now.

Since 2024, buy-now-pay-later plans in the UAE are reported to the credit bureau like any other credit. Most people have no idea. The impact builds quietly, and shows up at the worst possible moment.

The only way to check today
AED 0

For a full credit report, or AED 10.50 just to glimpse the score. Paid to the bureau's portal, most people do it once, if ever, while the score changes every month.

What 3 BNPL accounts can cost you
0 pts

A handful of active installments can quietly drop you 25-40 points, enough to move you from Good to Fair and change a mortgage rate entirely.

Who's exposed
0%

Of UAE residents are expats navigating the local credit system for the first time, with no plain-language view of the score running their financial life.

How it works

Set up in 60 seconds.
Protected from then on.

No paperwork, no jargon, no surprise fees. Just clarity on the number that decides your next big financial step.

1

Upload your credit report

Download your official credit report, drop the PDF into Savvy, and we decode it in seconds. Your personal details are stripped before anything reaches our AI, zero data leakage by design.

2

See the full picture

Your score, the five factors moving it, and every account on your file, all explained in plain language, not bureau-speak.

3

See exactly what to do

Savvy shows what's helping, what's hurting and what to fix first, and flags the BNPL exposure or errors that could cost you a loan. Re-upload anytime to track your progress.

What's inside

Four tools. One job:
protect your credit.

Savvy isn't a budgeting app or a wealth advisor. It does one thing properly, it makes sure you're never blindsided by your UAE credit score again.

Credit Score Monitor

Your score, always current, always explained. The full 300-900 range, the five factors behind it, and the reason for every move. Continuous automatic tracking arrives with our direct bureau integration.

Explore the monitor

BNPL Guard

Never get a credit surprise from your buy-now-pay-later plans again. See every installment already on your report, and our estimate of its impact.

Explore the guard

Dispute Assist

If a bank makes an error, we help you fight it. Step-by-step guidance through the UAE dispute process, turning a two-year nightmare into a tracked, managed resolution.

Explore dispute assist

Score Simulator

See what a new card or loan does to your score, before you sign. Model any decision and see the projected impact before you commit.

Try the simulator
Try it yourself

What happens to your
score if you…

Most people sign first and find out later. Savvy flips it. Pick a decision and watch the projected impact, this is the Score Simulator, the same one built into the Savvy app.

Choose a scenario
Open a new credit card hard enquiry
Take a AED 50k personal loan + exposure
Pay off all my BNPL recommended
Clear a credit card balance utilisation ↓
Projected score
712
Good standing
−32 points
Opening a new card adds a hard enquiry and lowers your average account age. The hit is temporary, it recovers in 4-6 months if you keep utilisation low.
See it in action

Clarity, on every screen.

Built light, fast and uncluttered, every card serves one purpose: helping you make the right call with your money.

Score Monitor
BNPL Guard
Score Simulator
app.besavvysure.com
Sample data · for illustration
Your credit score
733
Very Good
18 pts since last report
Range 300-900 · last report 12 days ago
What's moving your score
Payment history
Great
Credit utilisation
Fair
Credit age
Good
Credit mix
Good
New enquiries
Great
Buy-now-pay-later on your report
B1
Pay-later plan 1
AED 1,200 outstanding · 3 installments
−11 pts
B2
Pay-later plan 2
AED 640 outstanding · 2 installments
−9 pts
B3
Pay-later plan 3
AED 350 outstanding · 1 installment
−8 pts
Combined estimated impact
−28 pts
3 active plans · AED 2,190 total

Clearing one plan before a mortgage application could lift your score back toward Very Good. Estimated, actual figures vary.

Projected score
761
Excellent
▲ +28 points projected
If you…
Pay off all BNPLOpen a new cardTake a personal loanClear a card balance

Clearing your pay-later plans removes active installments and frees up utilisation, the fastest way to lift a UAE score. Estimated impact, for illustration.

A look inside Savvy. Sample data shown for illustration, click the tabs to explore.

Built for the UAE

Your data never leaves
the country. Or your control.

Credit data is the most sensitive there is. We treat it that way, stored in the UAE, stripped of personal identifiers before any AI sees it, and built to the UAE’s data-protection law from day one.

Read our security approach

Stored in the UAE

Your data is stored in the UAE under Federal Decree-Law No. 45. Cross-border processors are named in our Privacy Policy.

PII-stripping middleware

Your name, Emirates ID and account numbers are removed before data reaches the AI engine. Zero leakage by design.

AES-256 encryption

Bank-grade encryption at rest and in transit. Credentials are never stored in plaintext, never logged.

No bank linking

We never ask for your banking credentials. You simply upload your credit report. Savvy never connects to your accounts and can never move money or make changes on your behalf.

Good to know

Questions, answered.

Is Savvy really free?

Yes. Savvy is free to use. The AECB report itself costs AED 84 from the bureau today. Direct access is what we're building next, so it won't. Uploading that report, seeing your score, the five factors that move it and the accounts on your file costs nothing, no credit card required. Paid plans add the full simulator, dispute tools and deeper guidance.

Does checking my score hurt it?

No. You're uploading your own credit report, so viewing it in Savvy has zero impact on your score, checking your own credit is always a soft, invisible action. Only hard enquiries from lenders, when you actually apply for credit, affect your score.

How does Savvy see my credit data?

You download your official credit report and upload it to Savvy. We decode it instantly, your score, your factors and every account on your file. Savvy never connects to your bank and can never move money; you're always in control of what you share.

Is my data safe?

Your account data is stored in the UAE, in line with Federal Decree-Law No. 45. Your personal identifiers are stripped out before any data reaches our AI engine, everything is encrypted with AES-256, and the report file you upload is never stored at all. Some specialist providers process data outside the UAE under contractual safeguards — we list every one of them in our Privacy Policy.

What can Savvy read from my report?

Savvy reads every account already on your credit report, your cards, loans and buy-now-pay-later plans. Nothing to connect: if it's on your report, Savvy sees it and explains it in plain language.

Stop guessing. Start knowing.

Your credit score is deciding your rent, your loans and your next move whether you watch it or not. Take the wheel, it's free to start.

No credit card. No impact on your score. Just upload your credit report.
How it works

From blind spot to
complete clarity.

Most UAE residents check their credit score once, if ever. Savvy turns a paid, manual, intimidating government process into something that just runs quietly in the background, and speaks up when it matters.

1

Get your credit report

Download your full official credit report, it's AED 84, and it's the last time the process will ever feel painful.

2

Upload it to Savvy

Drop the PDF in. We decode it in seconds, your score, the five factors behind it, and every account on your file. Personal identifiers are stripped before anything touches our AI.

3

See everything, clearly

Your number, what's moving it and what to do next, all in plain language. Re-upload whenever you want to track how it changes.

The difference

Banks tell you what happened.
Savvy tells you what's about to.

Every banking app in the UAE alerts you after a transaction. None of them predict what it does to your credit, your liquidity, or your next loan. That gap is the whole point of Savvy.

The old way

Reactive

Pay AED 84 for the full report, or AED 10.50 for the score alone. Read a dense PDF. Understand none of it. Find out about the problem when your mortgage gets rejected.

The Savvy way

Predictive

Upload your report and see your score, what's moving it, and exactly what to fix first, in plain language, before it costs you.

The outcome

In control

Walk into every financial decision knowing your number, knowing the impact, and knowing you've caught any errors before they cost you.

It takes minutes, not years.

The hardest part is starting. Download your report, upload it once, and the whole picture is finally yours.

Features

Four tools that do
one job properly.

Savvy is deliberately focused. Not a budgeting app, not a wealth advisor, not a financial everything-store. A credit protection product that makes sure you're never blindsided again.

Always on

Credit Score Monitor

Your score, always current, always explained. The full 300-900 range rendered with our spectrum gauge, the five factors behind it, and a plain-language reason for every move.

  • Your score with the five factors behind it, ordered by what's hurting you most
  • Plain-language explanations specific to you, not generic bureau text
  • Score history charted over time, with the events behind each change
  • See every 5-point move, up or down, each time you re-upload your report
app.besavvysure.com/score
Sample data
712
Good
12 pts since last report
What's moving your score
Payment history
Great
Credit utilisation
Fair
Credit age
Good
The blind spot, covered

BNPL Guard

Never get a credit surprise from your buy-now-pay-later plans again. Every installment on your report made visible, with our estimate of its impact.

  • Reads every buy-now-pay-later plan straight from your credit report
  • See your buy-now-pay-later accounts and our estimate of their impact, per account and combined
  • Flags overdue installments

AECB does not publish how BNPL is scored, so these are Savvy's estimates, not official figures.

app.besavvysure.com/guard
Sample data
Combined estimated impact
−28 pts
3 active pay-later plans · AED 2,190
B1
Pay-later plan 1
AED 1,200 · 3 installments
−11 pts
B2
Pay-later plan 2
AED 640 · 2 installments
−9 pts
B3
Pay-later plan 3
AED 350 · 1 installment
−8 pts

Your pay-later exposure is approaching the level banks flag on mortgage applications. Estimated, actual figures vary.

When things go wrong

Dispute Assist

If a bank makes an error, we help you fight it. The UAE dispute process is opaque, manual and intimidating, we turn it into a clear, trackable resolution you can actually follow.

  • Step-by-step guidance through detection, evidence and submission
  • Templates and document checklists for each dispute type
  • Status tracking so you always know where your case stands
  • Built from a founder's two-year fight, so yours takes weeks, not years
app.besavvysure.com/disputes
Sample data
Dispute in progress · incorrect late payment
Issue detected
A late mark you say was paid on time
Evidence prepared
Statement & receipt attached from our checklist
3
Dispute submitted
Filed with the bureau · awaiting response
4
Resolution
Typically 2-4 weeks · we'll track it for you
Before you sign

Score Simulator

See what a new card or loan does to your score, before you commit. Model any decision and watch the projected impact move before you sign.

  • Test new cards, loans, payoffs and balance changes
  • See the projected score and the interest-rate band it puts you in
  • Understand the why behind every projection, in plain language
  • Walk into any showroom or bank already knowing your number
app.besavvysure.com/simulator
Sample data
Projected score
761
Excellent
▲ +28 points projected
Test a decision
Pay off all BNPLOpen a new cardTake a loan

See the projected impact before you commit. Estimated, for illustration.

All four. Free to start.

Upload your report and get the full picture. Upgrade only if you want it sharper.

Pricing

Protection that's free.
Power that's worth it.

Savvy is free to use. The AECB report itself costs AED 84 from the bureau today. Direct access is what we're building next, so it won't. Paid plans give you the tools to plan, simulate and fix, not just see.

Save 2 months on annual
Free
Understand your score and what's on your file.
AED 0
Free, forever. No card required.
  • Upload your credit report and decode it instantly
  • Your score + the five factors behind it
  • BNPL Guard with combined estimated impact
  • Plain-language insights on what to fix first
  • Full Score Simulator
  • Dispute Assist
Most popular
Pro
Get the most out of every report you upload.
AED 49/mo
Billed monthly
  • Everything in Free
  • Unlimited re-uploads & score history over time
  • Full Score Simulator, unlimited scenarios
  • Dispute Assist with step-by-step templates
  • Savvy AI assistant, ask anything about your report
  • A personalised plan to raise your score
  • Export & share a clean report for loan applications
  • Priority dispute support
  • Early access to new features

Prices in AED, inclusive of VAT. Cancel anytime. The free tier never expires.

Pricing questions

Will the free plan always be free?

Yes. Understanding your score, uploading your report, seeing your score, your factors and your BNPL plans, is free forever. We believe knowing your number shouldn't cost you anything. We only charge for the deeper tools: the simulator, dispute help and AI guidance.

Can I cancel anytime?

Anytime, in two taps. Cancel a paid plan and you simply drop back to the free tier, you keep your account, your history and your protection.

How does the free trial work?

Pro starts with 14 days free. We'll remind you before it ends, and you'll never be charged without a heads-up. Don't want to continue? Do nothing extra, you roll back to Free.

About Savvy

The credit intelligence layer
the UAE never had.

Savvy exists to do one thing the UAE has always been missing: make your credit score understandable, watchable and defendable, so it works for you instead of quietly working against you.

First, the basics. What actually is a credit score?

In the UAE it's a number from 300 to 900, calculated by the country's official credit bureau from how you handle credit. Pay on time, keep balances low, and it climbs. Miss payments, lean too hard on buy-now-pay-later, max out cards, and it falls.

That number is quietly one of the most powerful things about your financial life here. It decides whether you get a mortgage and at what rate. Whether the car loan is approved. Whether the travel credit card comes through. Increasingly, landlords and even employers look at it too.

And yet almost nobody can see it clearly. The only way to check is to buy your report from the bureau, AED 84 for the full file, AED 10.50 for the score alone, then decode a dense PDF written for banks, not people.

The category

The rest of the world
solved this years ago.

In most mature markets, knowing and protecting your credit score is free, continuous and effortless. The UAE has had nothing equivalent, until now.

United Kingdom & beyond

ClearScore

Gives millions free, ongoing credit visibility across the UK, Australia, South Africa and Canada. Not present in the UAE or the wider GCC.

United States & Canada

Credit Karma

Made checking your score a free, everyday habit for over 100 million people, turning an opaque bureau number into something anyone can act on.

The UAE

The local bureau

A government bureau, not a consumer product. It provides the data, but no monitoring, no plain-language guidance, no dispute tooling. That gap is exactly where Savvy lives.

What we do

We turn a bureau number
into intelligence you can use.

Upload your credit report and Savvy becomes the layer on top, reading it, explaining it, showing what moves it, and helping you fight the errors. These are the principles we hold to.

Clarity over jargon

Bureau reports are written for banks. We translate everything into the plain language a person can actually act on.

Protection over profit

The thing that protects you stays free. We earn only when we make Savvy faster and sharper, never by gatekeeping your own data.

UAE-first, always

Built for this market, with your data stored in this country and handled under its data-protection law. Not a foreign product bolted onto local data.

Why it matters now

The numbers behind the mission.

0%

of UAE residents use digital banking. Almost none have seen their credit score

21 July 2026

the day BNPL landed on UAE credit reports. Retroactively

300–900

the AECB score range. Most UAE banks want to see 700

AED 84

what the bureau charges for the report that holds all of it

Understand the number that runs your life.

Upload your credit report and see it decoded in plain language. Free to start.

Our story

We built Savvy because
one of us lost two years.

It started with a mistake that wasn't his.

A bank reported something incorrectly. A payment marked late that had been made on time. A small error on a file our founder couldn't even see, because in the UAE, your credit score isn't something you get to watch. It just sits there, deciding things about your life, behind a paywall and a PDF.

He found out the way most people do: at the worst possible moment. An application rejected. Then another. A mortgage that should have been simple, suddenly out of reach. No clear reason given, no obvious way to fix it, and a dispute process so opaque it swallowed two years of his life.

Here's the part the spreadsheets don't capture. When you've worked hard, played by the rules, saved for the thing, the house, the car, the card that finally lets you travel the way you wanted, and you get told no because of a number you were never allowed to see, it doesn't just cost you money.

It makes you feel like a stranger in your own financial life. Like the system has quietly decided something about you, and won't tell you what. There's a real shame in being rejected for something you did everything right to earn. That feeling sits with you.

That's the part we couldn't let go of. Not the points or the percentages, the helplessness. The sense that this could happen to anyone, and in a country where most people are newcomers to the credit system, it happens all the time.

So we built the product we wish had existed. Savvy turns that helplessness into control. It catches the damage early, explains it in plain language, and stands with you when something goes wrong, so the next person doesn't lose two years to a number they were never shown.

Don't get blindsided like we did.

See your number, understand it, and protect it, before it costs you the thing you worked for.

The Savvy blog

Make sense of credit
in the UAE.

Plain-language guides to the score that quietly runs your financial life, what moves it, how to protect it, and how to plan your next big move around it.