We are providing smart and easy banking

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

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

Kolo Card Ltd (trading as Koto Card and Koto Credit) is an appointed e-money agent of Prepay Technologies Ltd (Registration or FRN 900010)

Kolo Card Limited is authorised by the Financial Conduct Authority to perform regulated consumer credit activities, FRN 813940. Kolo Card Limited is currently not trading.

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