The Credit Thing

1.16K reviews
Content rating
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About this app

Open an account with The Credit Thing and use it with your own money for free, no hidden fees. This is an app you’ll want to use every day.

Key Features
• Instant virtual card
• Simple account opening
• Free money transfer

The Credit Thing is for anyone who wants to try something new:
- You are new to the UK or want to try something different
- You want a change from the same big banks,
- You value innovation, convenience and transparency
- You prefer to talk with human customer service
- You are over 18 and a UK resident

With The Credit Thing you can:
✅ 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
💬 Get real-time alerts on your spending.
📲 Make payments in the app.
✈️ No additional fees for using your card abroad
💷 🇬🇧 Faster payments to and from UK bank accounts

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 (FRN 900010). Koto Card Limited is a company registered in England and Wales (No. 11224081). Registered address: Nightingale House, 46-48 East Street, Epsom, Surrey, England, KT17 1HQ.
Updated on
May 9, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity, App info and performance, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.13K reviews
June 23, 2022
Absolutely incredible! Honestly I first saw this company recommended to me via an advert ironically and was after a new type of product to use. I was absolutely blown away when I first used this the interface is absolutely incredible easy to use everything is in one place! The credit application is a very smooth process and yes it varies but I got £250 for my first credit. Highly recommend and have recommended to others. Customer service is outstanding. If you're wanting credit. USE THEM!
9 people found this review helpful
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Koto Card Limited
June 25, 2022
Thank you for taking the time to write in and provide your feedback :) We are very happy to hear about your experience with The Credit Thing. You are inspiring us to move mountains!☺️
Daniel Gilligan
February 2, 2022
Waste of time went through the whole process, even having to send them tonnes of documents to prove identity, only to be told once the application was accepted that apparently I had rejected the credit agreement section for the first bit of the sign up when it tells you what limit you're eligible for. And once you've done that they won't let you re-apply....ever! So shut the account as it is now not waste your time! Tymit is much much better!
3 people found this review helpful
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Koto Card Limited
February 4, 2022
Hi Daniel. We apologise for the difficulties you experienced while registering. In some cases, we’re obligated to request additional information during this process to make sure we meet all security criteria. As for your credit agreement - we are already working on a possibility to apply even if you decline your agreement at first.
November 2, 2023
Been with them 18 months or so...get an email, no warning telling me they're closing my account, a 'business decision' and i have to pay what's owed in the next 10 weeks or so! I'm well aware this company fell on difficult times, just like most people..payment in full will NOT happen in the next 10 weeks or so. They do give the option to extend this..which i will be using.. What a 💩 service..
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What's new

We've made the application process quicker and easier. Hopefully we won't need to, but if we need to ask you for some more documents we can now do it all in the app.