Cardeo support

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Quick answers

Cardeo app

How does Cardeo work?

Cardeo brings data from your credit cards into a single view using open banking.

It then gives you dynamic insight into your borrowing and spending.

Our payment plan works out how long it will take to pay off your cards. You can set a repayment target, decide how to get there, and repay your cards through a single monthly payment.

Reminders make sure that you never miss a repayment.

You can change the payment plan as much as you like. Edit the date, target or the monthly amount, make extra one-off payments, and pause the plan as it suits you.

Can anybody use Cardeo?

Cardeo is designed to help all UK credit cardholders. Our free account overview, payment plan and single monthly payment are available to everyone with a UK credit card.

Does Cardeo connect with all credit cards?

Cardeo connects with most UK credit cards.

List of supported cards

We are working on getting all UK credit cards compliant with open banking law so that we can connect to them. You can speed up the process by writing to your card provider if they are not sharing the data they should be.

You can also vote for the cards you want most, and get notified when they are added to Cardeo.

How does Cardeo save me money?

Payment reminders help you to pay your credit cards on time each month. That way you avoid extra interest and late payment fees from your card provider.

The Cardeo payment plan offers the avalanche method. This repays highest interest rate cards first, after minimum payments are met. You minimise interest charges and pay off your cards in the shortest time.

Cardeo gives you insight into your credit card usage. Seeing the results of different actions allows you to make smart decisions that benefit your finances.

Finally, we offer deals from other parties which are designed to save you money.

Is Cardeo free? How does it make money?

The Cardeo app is free so that as many people as possible can use it to save money.

Free means free to download, with no in-app purchases or charges associated with any part of our service.

Cardeo makes a small amount of money from the deal provider each time a customer takes up a deal from the Cardeo 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.

0% deal credit cards can be connected to Cardeo like any others. A Cardeo payment plan can help you to pay off the loan, instead of just avoiding the interest.

Is Cardeo worth it for only one credit card?

Cardeo offers plenty of help, even for a single credit card.

You get insight into your borrowing and spending. You can easily change the date of your monthly payment. You can see how long it will take to pay off your card – and make top-up payments when you want to get there faster.

Payment plan

Do I have to fix my repayment amounts?

No. With Cardeo, you stay in control of what you pay when. The payment plan is flexible.

On top of minimum repayments, you can change the monthly amount or make one-off payments whenever you’d like. And you can pause the plan at any time.

What is a payment plan?

The Cardeo payment plan is a tool to make your credit card repayments easier and less expensive. It is made of your target, your card split, and a single payment on a monthly date that you set. Cardeo reminds you when each payment is coming up.

You can change the details or pause your plan at any time, or make one-off payments over the top.

The Cardeo payment plan is not a formal debt repayment plan, where you enter a contract to repay a fixed amount each month. At no point do you owe anything to Cardeo. Your obligation is always to pay back your credit card providers, in whichever way you see fit.

How many of my credit cards should I add?

To use Cardeo you need to connect your credit card accounts with the app.

We recommend adding all of your credit card accounts to Cardeo. When we have the full picture, we can offer you the most accurate and save you the most money.

Security and protection

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.

What is open banking?

Since 2018, UK banks have kept your account information in a standard, shareable form. When you permit, another provider can access this information to offer you new services. That’s open banking.

Open banking is highly secure. You can remove your consent at any time. Your data is encrypted and its usage is tracked. All providers are regulated by the Financial Conduct Authority.

Cardeo uses it to bring your credit card data into the app. Then we can reveal that data to you and help you manage your payments.

Am I protected, paying through Cardeo?

With any payments made through Cardeo, your money is stored in an e-wallet account before being sent to your credit cards. Your wallet only ever holds your money.

Cardeo partners with e-money company Modulr to provide your wallet. Modulr terms and conditions

The Financial Services Compensation Scheme does not apply to e-money products, so alternative regulatory protections are in place: Modulr safeguards your money in a segregated Bank of England account. That means 100% of your money is protected should anything happen to Modulr.

Financial health

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.

That’s good news! Over time, these repayments will have a positive influence on your credit score.

What happens if I struggle to make payments?

If things change and Cardeo detects that you are getting into financial difficulty, we’ll do everything we can to help you.

If you have a Cardeo payment plan you can simply pause it. You will still be required to repay your credit card providers directly. There are free services that may be able to help you.