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 1.25.0

Here we go...

We've made changes to how you apply for koto, so now it's even quicker and easier to apply for credit through the app. Enjoy!

Ratings and Reviews

5.0 out of 5
1 Rating

1 Rating

Alokard01 ,

Looks very promising

App is very fresh and clean!

Developer Response ,

Hi there, thanks for the great review!

App Privacy

The developer, KOLO CARD LIMITED, 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, for example, based on the features you use or your age. Learn More


  • Wallet

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

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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