NewRibbon Market and Credit Builder are here

Pay rent.
Get rewarded.

Your landlord gets paid, you get points. Redeem them at Amazon, Sainsbury's, Uber Eats and loads more. Shop in Ribbon Market and earn extra points, and build your credit score with Credit Builder.

Start earning — it's freeSee how it works
Thousands of renters5 on Google Reviews

Earn and redeem at your favourite brands

Amazon
Starbucks
Deliveroo
Boots
Apple
Just Eat
Hotels.com
Ryanair
Morrisons
Nike
Eurostar
Nando's
Rewards that add up

What is Ribbon Rewards?

Ribbon Rewards is a free club that turns rent into points. Pay your rent through your dedicated Ribbon account and earn points per pound paid — redeemable for vouchers at brands you already use. Shop in Ribbon Market and earn extra points, and add Credit Builder to make your rent count towards your credit score.

Coming soon
3.0x

Points per £1 · Partner property

Living in a Ribbon partner property? Earn 3.0 points per £1 of rent. That's up to £540 in rewards per year on a £1,500 rent.

Works everywhere
1.0x

Points per £1 · Any property

Renting anywhere in the UK? You're still in. Earn 1 point per £1 of rent — no landlord sign-up needed. Simple.

New · Ribbon Market

Up to 15% back in points

Buy vouchers for 85+ brands and earn points on top of your rent.

Explore Market

New · Credit Builder

Rent that builds your credit

An optional add-on that reports your rent payments to all 3 major credit bureaus.

About Credit Builder

£1,500/month rent?

That's up to £540 in free rewards per year

Ribbon Rewards Accounts are powered by Griffin Bank Ltd. Eligible deposits of up to £120,000 per depositor are covered by the Financial Services Compensation Scheme (FSCS).

How it works

How does Ribbon work?

Sign up, get a dedicated bank account in your name, pay rent into it, and Ribbon forwards it to your landlord — earning you points on every payment. Four steps, takes a few minutes only.

1

Sign up in 2 mins

No credit checks, no fees, no faff. Just your name and email.

We open a dedicated account in your name — fully regulated and FSCS protected up to £120,000.

2

Verify your ID

Enter your rent details and upload your ID for a quick identity check. It's fast, fully digital and your credit score stays untouched.

Verification is fast and fully digital. Once confirmed, your dedicated bank account is ready to use.

3

Fund your account & we pay your landlord

Transfer your rent into your Ribbon account. On your rent date, we send it directly to your landlord or letting agent.

Your money sits safely in your named account until rent day. Your landlord sees a normal bank transfer from you. Zero confusion.

4

You earn points instantly

Up to 3 points per £1 of rent, credited the moment your payment goes through.

Swap points for vouchers at Amazon, Sainsbury's, Uber Eats, Tesco and more.

Shop in Ribbon Market and earn extra points

Buy brand vouchers and get up to 15% back in points.

Add Credit Builder

We report every rent payment to all 3 major credit bureaus.

Savings calculator

How much could you earn?

Slide to your monthly rent and watch the rewards stack up.

£1,200
£300£5,000

Monthly

£12

in rewards

Any property

£144

per year · 1.0x

Partner property

£432

per year · 3.0x

That's enough for 43 gift cards worth £10 each at places like:

AmazonSainsbury'sUber EatsTescoJohn LewisDeliveroo+ many more
Start earning now

Ribbon Market

  • Starbucks

    Starbucks

    11% back in points
  • Just Eat

    Just Eat

    5% back in points
  • Boots

    Boots

    4% back in points
  • Morrisons

    Morrisons

    3% back in points

£25 Starbucks voucher

Use online or in-store

+275 points

New

Ribbon Market

Shop the brands you love. Earn up to 15% back in points.

Get discounts at your favourite brands, paid back in Ribbon points. Buy a voucher in a few taps, spend it as usual, and the points land in your balance straight away.

  • 85+ brands

    Groceries, coffee, beauty, restaurants and more

  • Up to 15% back

    Paid in Ribbon points

  • Online or in-store

    Vouchers arrive by email instantly

  • Send as a gift

    Points still go to you

Sign up to Ribbon

Free for all Ribbon members

New

Credit Builder

Your rent, now building your credit score.

You already pay rent. Credit Builder reports those payments to TransUnion, Equifax and Experian, so they count towards your credit history as well as your points.

  • Reported to all 3 bureaus

    TransUnion, Equifax and Experian.

  • Builds your credit history

    Turns rent payments into a track record lenders can see.

  • Fully automatic

    We report every rent payment for you, every month.

  • Cancel anytime

    No lock-in. Reporting stops the same month you cancel.

Sign up to Ribbon

From £7.99/mo paid annually · or £9.99 monthly

Ribbon Rewards stays free. Credit Builder is an optional add-on.

Credit Builder

Active

Rent payments reported

  • September · £1,200
  • August · £1,200
  • July · £1,200
TransUnionEquifaxExperian

Points this month

+1,200 pts

Security

Is my money safe with Ribbon?

We know "free rewards on rent" sounds too good to be true. Here's exactly how your money is protected — no hand-waving, no fine print.

FSCS protected up to £120,000

Your deposits are covered by the Financial Services Compensation Scheme, the same protection your high-street bank uses.

Fully regulated

Your money is held at an institution authorised by the Prudential Regulation Authority and regulated by the FCA. It never sits in an unregulated account.

Your landlord sees you

Payments arrive directly from your named account — your landlord or agent sees it exactly as if you paid them directly. No middleman confusion.

How do we afford this? Ribbon earns a small fee from partner brands when you redeem your rewards or buy vouchers in Ribbon Market — similar to how credit card cashback works. Ribbon Rewards and Ribbon Market are free to use. The only paid product is Credit Builder, an optional add-on.

Social proof

What do real Ribbon users say?

Real reviews from real renters who were sceptical too.

4.9on Google

"Initially I was skeptical about Ribbon Rewards but after having paid my rent through their system for a few months and successfully redeemed and spent my reward points I'm now recommending it to my friends. I find their system reliable and efficient."

Vic C

Google Reviews

"If you're renting it's silly not to do it. I was skeptical at first but I've successfully cashed out a pile of points as Amazon vouchers. If you're renting it makes sense to try and claw back some of your outgoings."

Joel W

Google Reviews

"I paid my rent through Ribbon Rewards and was given £25 due to a friend referring me! - Every time I pay my rent going forwards I get another £10! I use it towards Amazon Prime where I get all my make up, skincare and essentials. Truly a livesaver!"

Mads Evans

Google Reviews

"I was sceptical at first, but Ribbon Rewards has been fast and easy to use for paying my rent. I've earned and redeemed reward points. If you pay rent especially somewhere expensive like London, you should be using Ribbon."

Cameron W

Google Reviews

Frequently asked questions

The stuff you're probably wondering. We get it — we'd ask too.

Is it really free? What's the catch?
There is no catch. Ribbon Rewards and Ribbon Market are free. Ribbon earns a small commission from partner brands when you redeem your points or buy vouchers — similar to how credit card cashback programmes work. You never pay a fee to earn points, and neither does your landlord. Credit Builder is an optional paid add-on.
What is Ribbon Market?New
Ribbon Market lets you buy vouchers for 85+ brands, including Starbucks, Just Eat, Boots and Morrisons, and get up to 15% back in Ribbon points. Vouchers arrive by email instantly and work online or in-store. You can also send one as a gift and still keep the points. It's free for all Ribbon members.
How does Credit Builder work?New
Credit Builder reports every rent payment you make through Ribbon to all 3 major credit bureaus (TransUnion, Equifax and Experian), so it counts towards your credit history. It costs from £7.99/mo paid annually, or £9.99 monthly, and you can cancel anytime — reporting stops the same month you cancel.
Do I need Credit Builder to earn points?New
No. Ribbon Rewards stays free, and you earn points on every rent payment either way. Credit Builder is an optional add-on for renters who also want their rent to count towards their credit history.
How does the payment actually work?
When you sign up, you receive a dedicated bank account in your name at Griffin Bank, a fully regulated UK bank. You transfer your rent into this account, and Ribbon forwards it to your landlord or managing agent. Your landlord sees the payment coming directly from your named account — no confusion, no delays.
Is my money safe? What if Ribbon goes bust?
Your money is held in a ring-fenced account at a fully authorised and regulated UK bank. Eligible deposits up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) — the same protection your high-street bank offers. Even if Ribbon ceased operations, your deposits would remain protected.
Does my landlord need to sign up?
No. When you pay rent via Ribbon, your landlord or managing agent receives your rent straight from your account in your name — there is no landlord participation required. It works with any property in the UK.
How long does it take for my landlord to receive the payment?
Your landlord receives the payment immediately. Because the money is sent directly from your named bank account, it arrives just like any other bank transfer — instantly.
Who is behind Ribbon Rewards?
Ribbon is a product of Scraye, a UK fintech company that uses AI to deliver a simpler, faster rental experience for tenants, landlords and agents. We created Ribbon because we believed renters deserved something back from their biggest monthly expense. We're fully transparent — you can look us up on Companies House.
How do I redeem my points?
You can redeem your points for gift cards and vouchers at popular brands including Amazon, Sainsbury's, Uber Eats, Tesco, John Lewis, Deliveroo, Marks & Spencer, Asda, Morrisons, Waitrose, Ryanair, and many more. New brands are added regularly.
Can the value of points change?
Points are redeemed at a fixed rate when you choose to cash them in. We'll always give you notice of any changes to the programme. Right now, 100 points = £1 in vouchers.
How is my data used?
We only collect the information necessary to process your rent payments and manage your rewards. We never sell your data to third parties. All payment data is encrypted and handled in accordance with UK GDPR regulations.