Cardeo Keep The Cards Loose The Stress 0003
Cardeo card accounts progress


Cardeo’s mission is to transform the credit card market for good

Cardeo was founded by three friends who met at university. At first they went their separate ways. But after a decade of working in politics, management and finance, they found a cause that brought them back together – the unfairness of the credit card system.

They decided to do something about it.

Even the smartest person can fall foul of credit card small print. Or get bamboozled by complex information. We’ve been there. Credit card providers know this, and sting their customers with penalty fees and pile on the interest. Rates are so high, it’s all too easy to fall into the credit card trap.

So our three friends built an app to help out. They combined open banking data with artificial intelligence to work out how to beat the trap. The result for millions of people is less interest to pay, no more fees, and an achievable plan to pay off their credit cards. All without having to give up their cards.

The values that led to Cardeo

About values 01 socially

Socially responsible

Banks are raking it in while consumers pay the price. We care about making the credit industry fairer for borrowers.

About values 02 credit

Credit positive

We love credit cards. And the things that they can buy! That’s why we’re working to make credit less expensive.

About values 03 consumers

Consumers first

Our business is making your life easier. The world might not revolve around you, but Cardeo does.

About values 04 technology

Harnessing technology

We relish the marriage of smart ideas with technology. Give us some data and we’ll get a machine learning algorithm right on it.


Logo partner tech nation

Proud graduates of Tech Nation Fintech 4.0

Share our mission

If you share our goal of making borrowing fairer, here are some actions you can take to further the cause:

About values 02 credit

Thank you.

Together we can make borrowing better.