The Credit Thing 2.23.1

Open an account with The Credit Thing and experience a fee-free service using your funds, without any hidden charges. This application offers a seamless banking experience for everyday use.

The Credit Thing is the ideal choice for individuals looking to explore innovative banking solutions:

• If you are a newcomer to the UK or seeking an alternative banking experience
• If you wish to deviate from traditional big banks
• If you value innovation, convenience, and transparency in your financial transactions
• If you prefer personalized human customer service
• If you are a UK resident over the age of 18

Features of The Credit Thing include:

• Integration with Apple Pay for convenient and secure contactless payments at all Mastercard locations
• Access to card details within the app for online purchases
• Quick fund transfers to and from UK bank accounts
• Real-time alerts to track your expenses
• Ability to make payments directly through the app
• No additional charges for using the card internationally

Note that e-money accounts are not protected by the FSCS. For more details, visit The Credit Thing website.

Be sure to enable notifications on the mobile app to receive alerts promptly. If you encounter any inquiries or issues during the application process, contact customer support through the in-app chat feature.

The Credit Thing operates under the trading name of Koto Card Limited, an entity authorized and regulated by the Financial Conduct Authority for regulated Consumer Credit activities (FRN 813940). Additionally, it serves as an appointed eMoney agent of Prepay Technologies Ltd (FRN 900010). Koto Card Limited is registered in England and Wales under company number 11224081, with its registered address at Nightingale House, 46-48 East Street, Epsom, Surrey, England, KT17 1HQ.