Cardeo Keep The Cards Loose The Stress 0007
App message saying 'You've paid £124 to your cards this month - bang on target'


Cardeo is the clever new way to credit card

Features 01 free

Your data set free

Through open banking, Cardeo gathers your data and puts it to work to give you the real picture of your borrowing. Get analysis, insight and tips – personalised for you.

Features 02 payback

Payback that doesn’t hurt

Cardeo works out payback time from your current borrowing, interest rates and spending. But you’re not stuck with it. Use the free repayment calculator to set a new target, and the AI calculates how to get there.

Features 03 repayment

Repayment recommendations

This is where it gets really clever. Once you’ve set a target, Cardeo’s algorithm calculates a custom repayment plan based on the cheapest and quickest route to your target. It’s flexible – adjust and top up the plan whenever you like.

Features 04 heaven

Autopay heaven

If you want, the app can also automate your repayments for free. Cardeo collects one single payment each month before paying it to your cards according to your plan. You’ll never miss a repayment again.

Features 05 date

Change the date

With autopay you don’t have to remember several repayment dates each month – there’s just a single Direct Debit, and Cardeo takes care of the rest. Choose the payment date that suits you best.

Features 06 boss

You’re the boss

You can change autopay and top up your repayments whenever you like. If you prefer to make payments yourself, Cardeo will remind you exactly how much to pay, to which card, and when.

Icon request feature

What's missing?

Let us know what features would make Cardeo even better for you. If they’re not in development already, we can add them to our roadmap.

Take a deeper dive

Can anybody use Cardeo?

Cardeo is designed to help all UK credit cardholders. Our free account overview and repayment calculator tools are available to everyone with a UK credit card.

The Cardeo repayment plan – where you set a target, get repayment recommendations, and can enjoy autopay – is subject to a short suitability check. This makes sure that the recommendations won’t cause anyone financial difficulty.

What accounts can I connect to Cardeo?

The main thing is to get all of your credit cards connected to Cardeo. Then the app can get to work spotting opportunities to save money and working out how to manage your repayments efficiently. If you want to use autopay you’ll also be asked to connect your current account. The more data you share safely with Cardeo, the more it can do for you.

Do I have to fix my repayment amounts with Cardeo?

No. With Cardeo, you stay in control of what you pay when. You can set up a credit card repayment plan, but it’s flexible. On top of minimum repayments, you can change the monthly amount or add top-ups whenever you’d like. And you can cancel the plan at any time.

Am I protected, paying through Cardeo?

With any repayments made through Cardeo, your money is kept in a Modulr e-wallet account until it’s time to send it to your credit cards. The Financial Services Compensation Scheme does not apply to e-money products, so alternative regulatory protections are in place: Modulr safeguards 100% of your money in a segregated Bank of England account. That means if the repayment service were to fail, you’d be able to get your money back.

All quick answers