UK debt
Debt Tracker UK — Visual Debt Tracking for Real UK Debt
UK household debt isn't only credit cards. It's overdrafts that quietly become permanent, BNPL plans across three providers, a store card from a Christmas a couple of years ago, a friend you still owe £200, and sometimes council tax arrears too. Most apps only cover half of that picture.
The debts most apps miss
Open banking covers current accounts well. It doesn't directly surface BNPL balances, store cards, family loans or informal repayment plans. That's a problem when those are often the debts causing the most worry.
Veowe lets you create a manual project for any of them in seconds. Add the balance, set the rhythm, pick a visual. Done.
How manual and hybrid modes cover unsupported providers
In hybrid mode you connect one current account read-only and add manual projects for everything else. Veowe can spot recurring repayments coming out of your current account — to a credit card, a loan, a BNPL plan, a mortgage — and suggest a project for you to review.
Nothing is created until you confirm, nothing changes your bank, and Veowe never moves money. See how Veowe works for the full flow.
Specifically built for UK debts
- Credit cards (including 0% promotional periods)
- Overdrafts
- Buy Now Pay Later — Klarna, Clearpay, Laybuy, store-led plans
- Personal loans and car finance
- Store cards and catalogue debt
- Mortgage payments (as a tracked outgoing, not as advice)
- Council tax arrears and other priority debts
- Family loans and informal repayments
Free UK debt advice
If your debts feel unmanageable, please contact StepChange, National Debtline, Citizens Advice or MoneyHelper. Veowe is a tracking tool, not regulated debt advice.
Frequently asked questions
Does Veowe support UK credit cards and overdrafts?
Yes. Any UK credit card, overdraft, loan, BNPL, store card, council tax arrears or family loan can be tracked as a manual project — you enter the balance and payment yourself.
Does it matter which bank or provider I use?
No. Veowe does not connect to your bank to work, so every UK provider is supported equally — including the ones open banking never reached, such as BNPL plans, store cards and family loans. You enter the balance and payment, and the visual, schedule and progress all work the same way.
Is council tax arrears really debt?
Yes. Council tax arrears are a priority debt in the UK and can have serious consequences. Veowe can help you visualise the repayment plan, but for arrears specifically, please also seek free advice from National Debtline or Citizens Advice.