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Keep your cards, lose the stress

Cardeo manages your credit card repayments to save you time, money and hassle.

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How Cardeo works

All your accounts in one place

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Manage your credit cards in one place and get insights into your finances using the power of open banking

Set a target - and hit it

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Use the repayment calculator to set a monthly amount or end date to clear your cards. Cardeo will keep you on track to get there.

Customised repayment plan

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Cardeo works out how to split repayments to hit your target in the cheapest possible way – and the shortest possible time.

Automated repayments

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Autopay collects a single, monthly payment from you and pays off your cards according to your repayment plan. Never miss a payment again.

And there's more

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Flexibility and control

Change your target or adjust your repayment plan at any time. Stay in full control of your accounts and payments.

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Great for your credit score

Cardeo’s repayment plan will keep you on track, doing wonders for your credit score as well as your wallet.

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Utmost security

Cardeo connects to your accounts in an encrypted way using standard and highly secure open banking.

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Perks included

Because you keep hold of your original credit cards with Cardeo, you can also keep enjoying their benefits.

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In case you're wondering

How does Cardeo work?

Cardeo brings data from your credit cards into a single view using open banking. Our repayment calculator works out how long it will take you to pay off your credit card borrowing. It can help you set up a repayment plan – where you set a repayment target, learn the cheapest and quickest way to hit it, and either automate repayments or get reminders to do it yourself.

Does Cardeo connect with all credit cards?

It should – with all UK credit cards. And it does with most. By law all UK credit card providers should be sharing the data that Cardeo needs to work. This website shows you which lenders are playing ball.

The best way to find out if a credit card will connect with Cardeo is to try it. Even if a lender only shares partial data, Cardeo will still work. If a card will not connect, it’s a good idea to write to your credit card provider asking them to meet open banking requirements.

Is Cardeo free? How does it make money?

Cardeo is free to download and to use. The account analytics, repayment calculator, repayment plan, reminders, autopay – they’re all completely free.

We keep it free by including adverts in the app.

Is switching to another 0% deal better than Cardeo?

Cardeo helps you to pay off your credit card borrowing in an achievable way. Our repayment plans can significantly reduce your interest repayments and fees.

In contrast, 0% transfer deals could cost you more in the long run, through transfer fees and purchases accruing interest. They also take time to find and arrange, and your 0% options may eventually run out.

Is my data safe?

When you give us permission, we access your account data using open banking. This is a standard, highly secure method of sharing financial data. Your data is encrypted and login details kept hidden.

Our privacy policy lays out everything we do with your data. Cardeo is regulated by the Information Commissioner’s Office (ICO) ensuring our security and privacy policies are robust and protect your data at all times.

How is my credit score affected by Cardeo?

Cardeo helps you to stick to regular credit card repayments of at least the minimum payment amount. Over time, these repayments will have a positive influence on your credit score.