Credit builder
A deposit today, a credit file tomorrow.
Our secured card turns everyday spending into reported payment history, with your deposit setting the limit.
How it works
Simple, safe and transparent.
No credit check to open, and your deposit stays yours.
Set your deposit
Your refundable security deposit becomes your spending limit.
Spend normally
Use it wherever the network is accepted, online or in person.
Payments reported
On-time payments are reported to major credit bureaus each cycle.
Graduate
Qualify for higher limits and unsecured products as history builds.
Finance without borders, built for what you do next.
Open a TotalRemit account in minutes, or talk with our team about embedded payment programmes.