Brigit Score

What is my Brigit score?

Brigit looks at your account information and calculates a Brigit score from 0-100.

The score is used to determine whether you qualify for Brigit Instant Cash.

Brigit calculates this score by looking at your account data across three categories: Bank Account Health, Spending Behavior, and Earnings Profile.

What score do I need to qualify for Brigit Instant Cash?

The Brigit app will tell you the minimum score you will need to qualify. Scores can range from 40 to 100.

How is my score calculated?

Brigit calculates this score by looking at your account data across three categories: Bank Account Health, Spending Behavior, and Earnings Profile.

Bank Account Health: This score factor primarily reflects:

1. Balance status and fees: Your average balance over time and the number of bank fees you’ve been charged.

2. Account activity: How long your bank account has been active and how often you use your account.

Earnings Profile: This score factor is made up of two main contributing general attributes:

1. Monthly recurring deposits: Deposit amount from the same employer or another deposit source.

2. Deposit history: Deposit size and number of recurring deposits in your account.

Spending Behavior: This score factor primarily reflects:

1. Budgeting habits: How much you spend vs earn each month.

2. Bill payment history: How often you make routine bill payments.

How can I improve my score?

Click on your scorecard on the homepage of the app to see how you can improve.

How often does my score change?

Brigit is always working in the background to keep your account safe. We recalculate your Brigit score every time we get an update from your bank. This usually takes place twice a day.