iPhone Screenshots


koto the stress-free credit app

We are here to challenge traditional banking through our koto stress-free credit and mobile money app.

Key Features

Mobile money - koto Account
- Use Apple Pay straight away
- Wherever you see the Mastercard sign
- No fees for using your card abroad

Manage everything with Koto mobile app:
- Set up Direct Debits, Standing Orders and Money Transfers in your app
- Get real time alerts on your spend
- Pay people instantly
- Top up your account instantly
- Manage your monthly budget, tracking where you are spending your money

Mobile credit access to two different forms of credit, Koto Extra facility and Koto Spread facility:
- Koto Extra - credit when you need it
- Koto Spread - spread larger purchases to manage your budget

Subject to status, terms and conditions apply. Please go to www.getkoto.com for further information.

What you need to have with you when applying:
- Driving license or
- Passport

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

What’s New

Version 1.24.0

It's now easier to top up your koto account from one of your bank accounts. You can now link up to your bank from the koto app to authorise an instant transfer!

Ratings and Reviews

5.0 out of 5
1 Rating

1 Rating

App Privacy

The developer, KOLO CARD LIMITED, has 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

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

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Usage Data
  • Diagnostics

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


87 MB

Requires iOS 12.4 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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