Cardeo

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

Managing your credit cards doesn’t have to be painful. Cardeo makes it easy with a single monthly payment. Minimise your interest charges, avoid late fees, and discover the quickest way to pay off your cards.
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View your credit card usage

Cardeo uses secure open banking to free up your credit card account data. View your overall borrowing and headroom, all card transactions in one place, and a breakdown of your spending. Get hints and tips for healthier credit cards.

Take the sting out of repayments

Set an achievable target for payments – either an end date, or a monthly amount. Cardeo works out the details, offering you a choice of approaches. Fastest route to debt free? Least interest overall? Reduce the number of cards you pay? You choose, and the app reminds you when, and how much, to pay.

Enjoy a single monthly payment (coming soon)

Why juggle multiple payments in multiple apps? Make one payment to Cardeo each month and it will send the correct amount to each of your cards on your behalf. You can choose which day of the month your single payment is made.

Relax, and stay in control

Change your payment plan whenever you like. Edit the date, the amount or your target. Pause your plan if you like.

How Cardeo saves you money

Cut overall interest charges by choosing the avalanche payment plan method. Cardeo can help find you loans from a wide range of lenders which can be used to refinance your credit cards, as well as money-saving deals on a range of other products.

A healthier credit score

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 rating.

Better than 0% transfer deals

Cardeo helps you to pay off your credit card borrowing, instead of just avoiding interest. 0% deals could cost more in the long run, through transfer fees and purchases accruing interest. They take time to find and arrange, and options may eventually run out. Connect your 0% cards to Cardeo instead, and pay off your borrowing in an achievable and cost effective way.

Single card users welcome

Even if you only have one credit card, Cardeo gives insight into your borrowing and spending. You can see how long it will take to pay off your card – and use the payment plan to get there faster.

Safe as houses

Cardeo uses the same technology as the banks to access your accounts. Open banking is a highly secure method of sharing financial data. Cardeo is registered with the Financial Conduct Authority (number 940438) and regulated by the Information Commissioner’s Office.

What UK credit card users said after testing the app:

“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