Gain the benefits of personalised credit.

Join our waitlist for early access to affordable and personalised credit. Launching mid 2020

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Smart Credit. Personalised for you.

OKEO makes credit smart. We help you accelerate your financial success by giving you access to a transparent, low-interest rate credit card that adjusts to your use. We give you affordable credit today and help you get better credit tomorrow, unlocking new financial opportunities.
That's personalised credit. Easy, powerful and smart.

Discover the benefits of OKEO.

Learn

Our goal is to help you understand how credit works, no matter how much you already know or don't.

Manage

Keep all your accounts in one place and never lose track of your finances.

Gain

Get the benefits of a credit card that adjusts to you. We're here to support your financial success.

"I finally understand how interest works"

Emma - 28 years old, Developer, Reading

"I spend smarter with OKEO "

Tom - 21 years old, Entrepreneur, London

"OKEO helps me use my credit card to benefit me in the long term"

Danielle - 24 years old, Barista, Bristol

Frequently Asked Questions

Why should I get an OKEO credit card?

We want to make credit work for you. OKEO is designed to help you understand how credit works and the benefits of using credit. We allow you to set a repayment plan and encourage you to repay your debt so you can unlock better credit.

What do you mean by personalised credit?

Each person is unique. Credit should be too. Our credit card automatically adjusts to your current financial circumstances, looking at both your OKEO activity and open banking data. You decide a repayment plan that works for you and we'll encourage you to make smarter decisions.

How can I get a credit card if I have no credit history?

For customers with no or limited credit history, OKEO offers a secured credit card. With a secured credit card, you have to initially put in money as collateral to get credit. This allows you to get access to credit (and at low rates) and allows us to use that collateral in case you don't repay your debts. This is also good for you because you avoid the possibility of being stuck in debt. With our personalised credit, we'll automatically migrate you to a traditional, unsecured credit card if you keep making repayments to OKEO in line with your repayment plan.

Get Early Access

Join our waitlist for early access to affordable and personalised credit.
Launching mid 2020.