koto superpowers Two convenient credit options to cover your needs
Extra Credit
When you need it
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Fixed fee
£ 0.20 per day - Load your own money to your koto account or use your Extra credit facility
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No fee if you’re not using Extra
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Turn your Extra on or off as you need it - you’re in control
Representative example Extra credit facility
Assumed Credit Amount
£ 500
Fixed charge
£ 0.20
per day
Representative APR
29.2%
variable

Spread Credit A new way to budget
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Fixed fee
£ 10 per month - Spread the cost of items over a period that suits you - one fee no matter how many plans you have
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Spread larger purchases before or after you buy
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Pay early with no penalties
Representative example Spread Credit Facility
Assumed Credit Amount
£ 1 000
Fixed fee
£ 10
per month
Representative APR
23.7%
variable

Enjoy being with koto
Track your spend
See where and what you are spending with stats and info to help you budget
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Simple chart to track your spend
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Instant notifications for your transactions
Easy ways to spend
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Two tap transfers between friends using koto
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Shake-to-pay
Shake your phone to transfer money instantly, using koto
koto benefits
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Fingerprint login
Securely log into your koto app using your fingerprint -
Control
Freeze and unfreeze your card in the koto app -
Notifications
Get notifications when you make a transaction so that you can keep track of your account -
Online support
Hit the chat button in the koto app to talk to our friendly team -
No foreign exchange fees
Stress-free travel with no fees from us for using your card abroad