A white-label rent reporting, loyalty and debit-card proposition powered by GNB CRM — sold to estate agencies as a £2,500/year platform.
Concept only · Subject to card issuer approval
Each partner powers a distinct benefit. Reward budgets stay separate from the agency's software subscription.
With tenant permission and an approved reporting arrangement, transmit verified rent payment records from GNB CRM to Experian. May help build credit history; cannot guarantee a score increase.
Grant capped loyalty points after confirmed rent receipt. Keep reward budgets separate from the agency's software subscription.
Explore individually agency-branded cards linked to tenants' existing accounts. Everyday points depend on commercial, technical and issuer terms.
“Your logo. Your tenant club. Your branded card.”
The agent launches a visible consumer benefit that feels like their own product.
Tenant engagement, differentiated landlord pitches, referrals, potential ancillary income and CRM-linked measurement.
Treat uplift as a hypothesis until demonstrated.
Illustrative subscription revenue at scale.
Critical unit economics. £2,500 covers only £12.50 per tenant per year for a 200-tenant agency. A 0.25% reward on £1,500 monthly rent costs £45 per tenant per year. Unlimited rent cashback is not viable at this price without separate funding.
Experian: supplier approval, data specification, consent/lawful basis, corrections, credit-file effects, cost and reporting schedule. Currensea: master programme, sub-branding, card pricing, rewards economics, APIs, support and minimum volumes.
Interview 10 current GNB agencies; mock up each agency's card; seek 3–5 pilot commitments and explicit willingness to pay £2,500 at renewal.
Tenant opt-in, tenancy-to-payment matching, reporting consent records, payment corrections, rewards ledger, agency dashboard, branded tenant portal and audit logs.
Start with rent reporting where approved. Add capped rent points; launch cards only when issuer approval is complete. Track enrolment, verified payments, card activation, referrals, cost per active tenant and willingness to renew.
Late rent, partial payments, reversals, joint tenancies, incorrect matching, disputes and tenancy endings require documented handling. Obtain specialist UK data protection and credit reporting advice.
Do not imply GNB is the bank or card issuer. Confirm FCA, financial promotion, scheme, credit reporting and data sharing responsibilities with each partner.
Merchant-funded offers are attractive but unproven. Cap point liability and model cash redemption, partner fees and fraud losses.
Explain clearly that missed rent may have adverse credit-file implications, that score changes are not guaranteed and that card adoption is optional.