Cardeo

“A perfect idea. This is the ultimate app to make your finances simple as well as keeping your mind at ease.”
Take the pain out of your credit cards with Cardeo’s single monthly payment. Cut interest charges, avoid late fees, and pay off your cards in the best way.
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Reveal your credit card data:
Cardeo frees up your credit card data using open banking. Uncover your total borrowing and limits, view all card transactions together, and get tips for healthy card usage.
Use the repayment calculator:
Set your target – an end date, or monthly amount – and Cardeo works out your options. Fastest route to debt free? Least interest overall? Clear small cards first? Choose the method that suits you best.
Enjoy a single monthly payment:


Don’t juggle multiple payments in multiple apps. Make one payment to Cardeo each month and it will cover your cards for you. Choose which day of the month you’d like it to leave your account.
Relax, you’re not tied in

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The single monthly payment is not a contract. Use it how you wish. You can change your target or payment details whenever you like, or stop it altogether. You can also make additional payments to clear your cards even faster.
Cardeo Credit:
Eligible users will be offered Cardeo Credit in the app. It’s our flexible credit line with a permanently low rate. Transfer your credit card borrowing to Cardeo to save money on interest and manage your borrowing in one place.
Enhance your credit record

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Cardeo enables you to make consistent credit card repayments over time, covering at least your minimum payments. This pattern has a positive influence on credit scores.
Benefits all credit card types

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Whether you have one credit card or many, high interest or 0% transfer balances, Cardeo can help. It gives you insight into your data and guides you into paying off your borrowing in an achievable and cost-effective way.
Open banking security

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Cardeo uses the same technology as banks to access your accounts. Open banking is a standard, highly secure method of sharing financial data.
Cardeo is registered with the Financial Conduct Authority (FCA) for the provision of payment services (no 940438) and is authorised and regulated to carry out debt counselling, credit broking and credit lending services (no 964449).
What you said after testing the app:


“A perfect idea. This is the ultimate app to make your finances simple as well as keeping your mind at ease.” Ryan H


“Very, very useful. It helps with your planning and then saves you time.” Archford M


“I like the ability to just make one payment. That is a fantastic idea for simplicity and peace of mind.” Greg P


“Really useful to get rid of debt… Cardeo is working out the best cards to pay more to.” Jane W


“The ability to control my actual accounts, all through an app.” Leon C