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About Koto
We are koto. The unique mobile account with built-in credit. We're clear and fair, 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? 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