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koto Cashback Offers & Discounts

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Terms & Conditions
  • What will stop me getting cashback?
    • The Cashback offer is not available if you already have an account with koto.
    • You will only receive cashback if you apply for credit from koto, you are approved for credit from koto, and you make a purchase using credit within 30 days of your application.
    • Using a promotional/voucher code not posted and approved by TopCashback.
  • What else is essential?
    • Cashback may take up to 7 days to appear in your account from the date that you make the qualifying purchase.
    • Credit is subject to status and you must be at least 18 years old and resident in the UK to apply.
    • Neither koto nor TopCashback are liable in the event that you are either declined for a koto account or koto credit, nor if any purchase you attempt to make is declined by the merchant.
    • Please note that these Terms and Conditions are in addition to the koto account Terms and Conditions.
    • Purchases must be completed immediately and fully online.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
  • What to do when
    • A "Missing Cashback" query must be submitted within 30 days of the transaction, if the transaction does not track automatically.
    • We will make all reasonable endeavors to secure the payment of commission on a transaction but we do not and cannot make any guarantee in this regard.
Please note the terms & conditions above are in addition to our general terms & conditions


About koto

Get a credit account on your mobile. Check your eligibility in 5 minutes with no impact to your credit score.We’re clear and fair, with no hidden fees, asterisks or nonsense. Download the app, get an account and spend immediately using Apple or Google Pay.
Don’t qualify for credit yet? Don’t worry, Use koto for your everyday spend to improve your eligibility.
Rep 29.2% APR (variable).
Credit subject to status. UK residents, 18+. Koto Card Limited is authorised and regulated by the Financial Conduct Authority for consumer credit.


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