The Credit Thing

A new approach to credit cards - credit at your fingertips. Build your credit score with The Credit Thing. An app you’ll want to use every day. If you are not eligible for credit yet, we’ll give you a mobile payment account until you are.

Key Features
• Risk-free eligibility check,
• Up to 62 days interest-free,
• Apply on your mobile,
• Instant virtual card,
• Improve your credit score by using The Credit Thing and making payments on time.

The Credit Thing is for anyone who wants to try something new:
• You want to build or improve your credit record,
• You are new to credit or new to the UK,
• You are bored of the same big banks, long forms and slow answers,
• You value innovation, convenience and transparency.
You must be over 18 and resident in the UK to apply. Credit is subject to status.

Representative Example:
Assumed credit limit: £1200,
Interest on Purchases: 27.9% (variable)
Representative APR: 27.9% (variable)
Annual fee: None

✅ Add The Credit Thing to your Google Pay then use contactless in store - it’s accepted wherever you see the Mastercard logo
💳 View your card details in-app and use them to spend online
💷 Transfer money with faster payments to and from UK bank accounts
💬 Get real-time alerts on your spend
📲 Make payments in the app
✈️ No additional fees for using your card abroad

E-money accounts are not covered by the FSCS. Please go to for further information.
You will need to enable notifications in the mobile app to receive alerts.
If you have any questions or problems during the application process contact us in the app using chat.
The Credit Thing is a trading name of Koto Card Limited. Koto Card Limited is authorised and regulated by the Financial Conduct Authority to perform regulated Consumer Credit activities (FRN 813940) and is an appointed eMoney agent of Prepay Technologies Ltd (FRN900010).
Koto Card Limited is a company registered in England and Wales (No. 11224081) at Nightingale House, 46-48 East Street, Epsom, Surrey, England KT17 1HQ.
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What's New

We've launched our brand new app! Koto is now The Credit Thing
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Additional Information

January 13, 2022
Current Version
Requires Android
6.0 and up
Content Rating
Offered By
Koto Card Limited
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