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koto Cashback Offers & Discounts

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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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