Tymit Credit Card 4+

The credit card, reinvented

Tymit LTD

    • 4.6 • 3.3K Ratings
    • Free

iPhone Screenshots


Tymit is the first instalment credit card, giving you complete control and transparency over your spending from the minute you plan to make a purchase through to making the repayment.

Say goodbye to the minimum payment trap, confusing interest charges and hidden fees. Spread the cost of any purchase across up to 3 months at 0% APR. Tymit is the credit card, reinvented.

We have re-designed the credit card, to put you in control.

- Affordable repayments, at your fingertips. Spread the cost of any purchase across 3 months interest-free. If you need longer, you can choose 6, 12, 24 and 36 months (interest is payable on plans of 6 months or more). You’ll always know how much interest you’ll pay up front. So you’re always in control of what you pay, and the number of instalments.
- Complete flexibility to adjust your repayment schedule at any time.
- When deciding whether to commit to that family holiday or the latest smart phone, use our purchase simulator to plan how it will impact your monthly bills.
- Bundle up! A unique way for you to monitor your spending, by grouping similar purchases together. You can customise the appearance and apply a re-payment plan of your choice.
- Protect your credit history, by staying on track to repay your balance. The app will give you complete visibility on your future payments and deliver smart alerts to help you to never miss a payment.
- Save money when you travel, with no fees on spending abroad.
- Absolutely no fees for membership and international transactions.

Credit limits from £500 to £5,000 and interest rates varying from 29.9% - 39.9%, subject to eligibility, terms and conditions apply.

Tymit LTD is a company registered in England and Wales (No. 10827757), authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 796994 and is also registered with the Payment Services Regulator (PSR) for providing payment services. Postal address 5 Merchant Square, London, W2 1AY.

The Tymit Card is issued by Transact Payment Limited (TPL). a company incorporated in Gibraltar with registered address 6.20 World Trade Center. 6 Bayside Road. Gibraltar. GX11 1AA and company registration number 108217.

TPL is authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution and is a member of the Visa card scheme.

What’s New

Version 1.55.0

We've eliminated some pesky bugs and enhanced the app's performance

Ratings and Reviews

4.6 out of 5
3.3K Ratings

3.3K Ratings

UK Tymit user ,

Best credit card I’ve used

I like Tymit very much because they are keen to change the way credit is traditionally given to customers. No interest on payments until after 3 months if you choose - they have options to pay in full or upto 3 months for the months purchase and it will cost you no interest! or pay over a longer term with different interest levels applicable. Really like their app where you can use their calculator that shows interest and timeline for any future planned purchases you may want to make. They feel like a much more human and customer orientated provider to me, responsive and helpful team who answer any questions you have via the app.
Thx Tymit!!

Developer Response ,

Thank you for your kind words. We are truly happy to see that you are enjoying your Tymit experience and we really appreciate the time you spent writing your great feedback. Should you ever need any assistance, feel free to reach out in-app or via email at support@tymit.com, our team will gladly assist you! Thanks, Team Tymit

Jcol94 ,

Its ok

Love the card and the concept but the app is a little clunky, keeps showing a badge for a notification and when i go into open conversations it shows all my previous conversations with customer service as unread, i click on them all and then close the app they all go into unread again. You cant updater personal details like you can i most banking/financial apps. Updating pin is a little bit of a pointless process you update it via app having to go to a cashpoint check balance for it to synchronise. APR JUMPED 7% less than 30 days of me having it. Concerned that they do not post anything on any of there socials since last year so not fully trusting its a viable company so still kept my old credit card provider. Its been way more than 5 days since i contacted then with pin issues which i resolved myself. Overall its good and has lots of potential hoping they become a little more mainstream and more socially active to invoke some trust but its a smart app and idea. They have now removed the 3 month interest fee feature. I have now closed the account after less than 3 months and the website now also has not been updated and bow shows as not accepting new applications so does not look like they were doing well which was a shame.

Developer Response ,

Hi, thank you for taking the time to leave us a review.
We’re are sorry to hear that you are experiencing some issues with notifications within the app. We hope to get this looked into and fixed for you as soon as possible.
We are always looking to improve our app and changing details in app is something we are developing.
We have been rather busy as of late but we are working hard to respond to any queries and we thank you for your patience in the meantime. We’re delighted to hear that you have been able to resolve your PIN issue, though we are very sorry that we were not able to respond to your query beforehand.
Your feedback is extremely valuable to us and we really appreciate you taking the time to let us know your thoughts.
Many thanks, Team Tymit.

stenataar ,

What’s happening?

Rarely use Tymit any more. What made it stand out as being different from other credit cards now no longer exist. I’m back to using a Barclaycard which does pretty much the same as Tymit now but with a lower APR and a small amount of cashback. If Tymit can no longer differentiate itself from the mainstream I can’t see it lasting much longer.

Update- for some reason I am now having a number of problems with the app. No response from Tymit customer service either in app or on their community site. Interest rates keep going up - more than doubled over the last year. Everything is pointing towards Tymit not being with us for much longer. I have consequently stopped using and taken out an alternative credit card. Such a shame as I have been with Tymit for a few years and liked what they were trying to do. ———————————— Have been with Tymit for some time now and in the early days there were a few glitches. However, recently some updates have helped and now things seem to be working as they should. I like the slightly different take that Tymit have on credit cards, and for that reason I will continue to use Tymit as my ‘everything’ card.

Developer Response ,

Thanks for your wonderful feedback, we're glad to hear you're happy with your Tymit card. 😊

App Privacy

The developer, Tymit LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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