Register your email address at the MoneyHero App's homepage to join our beta test. We will send you a link to download the MoneyHero App when it is ready.

MoneyHero adopts a bank-level standard encryption system to protect your data and information. No one can access your data without your consent; All identifiable personal credit information will not be stored for more than 24 hours.

A credit report is established once you have applied for a credit card or a personal loan. The information within would be filtered and calculated to generate a credit score, commonly known as a credit score. When you apply for credit cards, personal instalment loans, car loans, mortgage loans and other loan products, banks and financial institutions will ask TransUnion for your credit score and report as one of their criteria for approving the application.

Your credit report contains detailed information about your credit history, including your repayment history, total credit line, available balance, past bankruptcy records, and other relevant details. Hong Kong's personal credit report is provided by TransUnion. 

Your credit score reflects your credit usage and history, and the significant factors impacting your score are:

• Payment records
• Total credit/loan balance
• The length of the credit history
• The type(s) of credit account(s)
• The number of newly opened credit account(s)