Open an account with The Credit Thing and use it with your own money for free, no hidden fees. This is an app you’ll want to use every day.

Key Features
• Instant virtual card
• Simple account opening
• Free money transfer

The Credit Thing is for anyone who wants to try something new:
- You are new to the UK or want to try something different
- You want a change from the same big banks,
- You value innovation, convenience and transparency
- You prefer to talk with human customer service
- You are over 18 and a UK resident

With The Credit Thing you can:
✅ Add The Credit Thing to your Google Pay then use contactless in store - it’s accepted wherever you see the Mastercard logo
💳 View your card details in-app and use them to spend online
💬 Get real-time alerts on your spending.
📲 Make payments in the app.
✈️ No additional fees for using your card abroad
💷 🇬🇧 Faster payments to and from UK bank accounts

E-money accounts are not covered by the FSCS. Please go to https://thecreditthing.com/ for further information.
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.

The Credit Thing is a trading name of Koto Card Limited. Koto Card Limited is authorised and regulated by the Financial Conduct Authority to perform regulated Consumer Credit activities (FRN 813940) and is an appointed eMoney agent of Prepay Technologies Ltd (FRN 900010). Koto Card Limited is a company registered in England and Wales (No. 11224081). Registered address: Nightingale House, 46-48 East Street, Epsom, Surrey, England, KT17 1HQ.