A ‘no credit check’ phone contract is just like a normal phone contract, except we don’t do checks with Credit Reference Agencies. Instead, we look at Open Banking data to check that we think you’re a good fit, primarily looking at what we think you can afford. We also confirm that you haven’t ever been declared bankrupt.

No! We don’t work with Credit Reference Agencies to offer our ‘no credit check’ phone contract.

Yes. We handle your Open Banking data with extreme care and store it in a secure way that is GDPR-compliant. We do not share or send your Open Banking data externally, it is for internal use only. If you’d like to remove your consent for us to continue accessing your Open Banking data (this connection remains live for 90-days), you can update that via your Noggin HQ account pages. If you’d like to request deletion of this data, please email support@nogginhq.co.uk. All of the UK’s major banks support Open Banking and provide access to your account information, with your consent. Open Banking data is helping Noggin to power equitable access to credit, as an alternative to Credit Reference Agencies and their credit scores.

We offer a range of Apple and Samsung phone models, including: iPhone 14, iPhone 13, iPhone 12, iPhone 11, iPhone SE, Samsung S22, Samsung S23, Samsung A54, Samsung A24. We show you a list of all the phone models you’re pre-approved for based on the Open Banking data you’ve shared.