Extra and spread features koto is multiple features packed into one product
Extra Credit
When you need it
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Fixed fee
£ 0.20 per day -
Fixed daily fee, no matter how much you borrow
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Turn Extra on and off in the app - you are in control
Representative example
![Card settings koto app screen](https://getkoto.com/resources/1.0.4.1-1674211409050/img/page/index/extra-phone.png)
Spread Credit
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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 the cost of purchases over £100 for a period that suits you
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Use Spread anywhere you see the Mastercard logo
Representative example Spread Credit Facility
![Main screen of the koto app](https://getkoto.com/resources/1.0.4.1-1674211409050/img/page/index/spread-phone.png)
![credit-card](https://getkoto.com/resources/1.0.4.1-1674211409050/img/emj/credit-card_1f4b3.png)
Use koto as your main account: spend your own money, use bank transfers, have your salary paid directly into your account, or load cash.
![credit-card](https://getkoto.com/resources/1.0.4.1-1674211409050/img/emj/shopping-trolley_1f6d2.png)
‘Extra’ credit works a bit like an overdraft, letting you spend over your balance for a small daily fee.
![credit-card](https://getkoto.com/resources/1.0.4.1-1674211409050/img/emj/spiral-calendar-pad_1f5d3.png)
‘Spread’ credit lets you pay for larger purchases over a fixed period. Think point of sale finance but better, because it works everywhere!
Scan QR code now
For iOS
For Android
Simple Application
Your koto journey starts with a simple application on your mobile.
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Download our great app from your app store
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Scan your passport or full driving licence
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Answer a few easy questions
It only takes a few minutes and your credit score is protected if you are not eligible for credit.
You need to be 18 or over and a UK resident to apply.
![Koto app](https://getkoto.com/resources/1.0.4.1-1674211409050/img/page/index/phone-app.png)
We’ve got the basics covered
A koto account gives you everything you would expect...
Spend
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Use koto anywhere you see the Mastercard logo
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Use cash when you need to - with no fees for cash withdrawal
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Spend overseas with the best Mastercard rates and no fees
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We don’t charge you to use your own money!
Total in December
£500.00
Transfer
Instant transfers with faster payments to and from UK bank accounts
Set up Direct Debits and recurring payments
Scan QR code now
For iOS
For Android
App-based credit
koto is designed for your mobile. Which means that as well as a card at your fingertips, you also get...