Fixed fees and no surprises

koto the stress-free credit app. Try now i-love-you-hand-sign

koto superpowers Two convenient credit options to cover all your needs

Extra Credit When you need it

Load your own money to your koto account or use your Extra credit facility for £0.25 per day while you are using it

  • Fixed fee

    £ 0.25 per day
  • Load your own money to your koto account or use your Extra credit facility for £0.25 per day while you are using it

  • No fee if you’re not using Extra

  • Turn your Extra on or off as you need it - you’re in control

Representative example Extra credit facility:

Credit amount:
£400
Credit Usage Fee:
£0.25 (£91.25 annual equivalent)
Representative APR:
26.9% (fixed)
Card settings koto app screen

Spread Credit A new way to budget

Spread the cost of items over a period that suits you - one fee no matter how many plans you have

  • 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

  • Spread larger purchases before or after you buy

  • Pay early with no penalties

Representative example Spread Credit Facility:

Credit amount:
£1000
Credit Usage Fee:
£10 (£120 annual equivalent)
Representative APR:
23.7% (fixed)
Main screen of the koto app

Credit cards are not suitable for long-term borrowing or financing existing debt. Missing payments could have severe consequences and make obtaining credit more difficult.

Important: Credit is subject to status, Terms and Conditions apply. Available to UK residents over the age of 18

koto benefits

  • 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