We are providing smart and easy lending

Making it affordable, simple and fun

monobank interface payments
Get our great card in seconds
Send money with a couple of taps and for free
Use your card abroad with no FX fees

Koto services paired with a mobile app for everyday finances

conversation with the cat

Koto Card Limited is a company registered in England and Wales (No.11224081)

Koto Card Ltd is an appointed e-money agent of Prepay Technologies Ltd (Registration or FRN 900010)

Koto Card Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 813940)

Our registered address is Nightingale House, 46-48 East Street, Epsom, Surrey, England, KT17 1HQ