In a world where financial decisions are increasingly digital and global, it’s natural to wonder how your money transfer habits might affect your credit profile. One question we hear often is: “Does using Dahabshiil UK affect my credit score?”
The short answer? No, it doesn’t.
But let’s break down why that is — and what really matters when it comes to your credit score.
What Is Dahabshiil UK?
Dahabshiil UK is one of the most trusted money transfer and financial service providers in the world, especially popular among the African diaspora. With a long-standing reputation for security, affordability, and reach across 100+ countries, Dahabshiil UK enables millions of people to send and receive money quickly and reliably — whether for personal, family, or business use.
From mobile money to bank payouts, Dahabshiil UK offers flexible ways to manage your finances internationally. But none of those services, by themselves, are tied to your credit score.
So, Why Doesn’t It Affect Your Credit?
To understand this, it helps to know how credit scores work.
Your credit score is calculated based on specific financial behaviours — such as borrowing money (loans, credit cards), your repayment history, credit utilisation, and how long you’ve had credit accounts. In most countries, simply sending or receiving money through a transfer service like Dahabshiil UK does not involve borrowing or using credit.
Since Dahabshiil UK is a remittance and money transfer service — not a lender or credit provider — it does not report transactions to credit bureaus.
So, whether you’re:
• Sending money to family abroad
• Paying for goods and services
• Topping up a mobile wallet
…your credit score stays completely unaffected.
What Can Affect Your Credit Score?
While money transfers don’t impact your credit, here are a few things that can:
• Missing loan or credit card payments
• High credit card balances
• Applying for too many loans or credit accounts in a short time
• Defaulting on a loan
If you’re looking to build or protect your credit, focus on responsible borrowing and repayment habits, not your use of legitimate transfer platforms like Dahabshiil UK.
Final Thoughts
Using Dahabshiil UK is a smart, secure, and efficient way to manage your global financial needs — and it has zero impact on your credit score. So, you can continue sending money with confidence, knowing it won’t affect your financial standing in any negative way.
Tip: If you’re ever unsure about how a financial action might affect your credit, it’s always wise to check with your local credit bureau or speak to a financial advisor.
Ready to send money with confidence?
Try Dahabshiil UK today — trusted by millions, powered by transparency.