# The Credit Thing — A free virtual payment card > Free virtual payment card for contactless and online spending with real-time alerts. (iPhone/iPad app by KOLO CARD LIMITED.) - Source: https://appshunter.io/ios/app/the-credit-thing/id1442243292 (this page in markdown: same URL + `.md`) - Developer: [KOLO CARD LIMITED](https://appshunter.io/developer/1442243291) - Category: Finance - Price: Free - Rating: 4.70/5 from 18 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 106 MB - Languages: American English, Ukrainian - Released: 2020-04-07 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/the-credit-thing/id1442243292/reviews.md ## What is The Credit Thing? Open an account with The Credit Thing. Use it with your own money for free, with no hidden fees. This is an app you'll want to use every day The Credit Thin is for anyone who wants to try something new: - You are new to the UK or want to try something different - You want a change from the same big banks, - You value innovation, convenience and transparency - You prefer to talk with human customer service - You are over 18 and a UK resident With The Credit Thing you can: - Add The Credit Thing to your Apple Pay then use contactless in store - it’s accepted wherever you see the Mastercard logo - View your card details in-app and use them to spend online - Faster payments to and from UK bank accounts - Get real-time alerts on your spending. - Make payments in the app. - No additional fees for using your card abroad. E-money accounts are not covered by the FSCS. Please go to https://thecreditthing.com/ for further information. You will need to enable notifications in the mobile app to receive alerts. If you have any questions or problems during the application process contact us in the app using chat. The Credit Thing is a trading name of Koto Card Limited. Koto Card Limited is authorised and regulated by the Financial Conduct Authority to perform regulated Consumer Credit activities (FRN 813940) and is an appointed eMoney agent of Prepay Technologies Ltd (FRN 900010). Koto Card Limited is a company registered in England and Wales (No. 11224081). Registered address: Nightingale House, 46-48 East Street, Epsom, Surrey, England, KT17 1HQ. ## Key features - Virtual payment card - Contactless payments with Apple Pay - Online spending with card details - Real-time spending alerts - Human customer service - No foreign transaction fees ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/the-credit-thing/id1442243292/reviews.md ### 5/5 — Well designed app, god product *2023-05-11* I like the simplicity of the app. It’s clear then to pay the CC bill, phenomenal customer support **Developer response:** Hi! Thank you for your feedback. We are happy that you have such positive experience with The Credit Thing. Thank you for being our customer. ### 3/5 — I have absolutely no idea how to see my card number *2022-10-24, version 2.17.2* I tried everything… everything… Some numbers of my card number are stared out and the secret three digits too and there is NO obvious and non-obvious way of making it show the digits so I can pay what I need to pay online… I dmed support to ask something that should be trivial. **Developer response:** Hi. Due to internal security reasons of our payment provider, some features are not working unless you are connected to a UK communications network. This includes the ability to view your CVV code. ### 1/5 — Absolutely useless *2022-07-01, version 2.8.0* Don’t even waist your time. Useless app and useless customer support **Developer response:** Hi Navizat! Sorry you had such an experience with our product. Could you please tell us more about the difficulties you were facing? You can always contact us at support@thecreditthing.com or via chat icon in the app. We are always ready to help and explain everything! ### 5/5 — Looks very promising *2020-04-07, version 1.5.0* App is very fresh and clean! **Developer response:** Hi there, thanks for the great review! ## Frequently asked questions about The Credit Thing ### What is The Credit Thing? The Credit Thing provides a free virtual payment card that can be added to Apple Pay for contactless payments and used online. It aims to offer an innovative, convenient, and transparent financial experience. ### Is The Credit Thing free to use? Yes, The Credit Thing is free to use with your own money, and the app states there are no hidden fees. You can also use your card abroad without additional fees. ### Who can open an account with The Credit Thing? To open an account, you must be over 18 years old and a UK resident. It's designed for anyone looking for a new financial experience, including those new to the UK. ### How secure is The Credit Thing? The Credit Thing is a trading name of Koto Card Limited, which is authorised and regulated by the Financial Conduct Authority. You can view your card details in-app for online spending and receive real-time alerts. ### Does The Credit Thing have ads? The provided data does not indicate the presence of advertisements within The Credit Thing app. ### How do I get help with The Credit Thing? You can contact customer service through chat within the app if you have questions or encounter problems during the application process. The app emphasizes human customer service. ### What devices does The Credit Thing support? The Credit Thing is supported on iPhone and iPod devices. You will need to enable notifications in the mobile app to receive spending alerts. ### How often is The Credit Thing updated? The latest version of The Credit Thing, 2.23.1, was released on May 9, 2023. This indicates regular updates to the application. ## Version history (last 5 releases) ### 2.23.1 — 2023-05-09 Minor bug fixes and improvements. ### 2.23.0 — 2023-04-20 Minor bugsfixes and registration flow adjustments. ### 2.22.0 — 2023-04-07 Minor bugfixes and performance improvements ### 2.21.0 — 2023-03-22 bugfixes ### 2.20.0 — 2023-02-05 Bugfixes and performance improvements ## Apps similar to The Credit Thing | App | Rating | Price | Category | | --- | --- | --- | --- | | [Zempler Bank](https://appshunter.io/ios/app/zempler-bank/id709473017) | 4.8 (198) | Free | Finance | | [Kroo Bank - Mobile Banking](https://appshunter.io/ios/app/kroo-bank-mobile-banking/id1224580897) | 4.8 (105) | Free | Finance | | [Dzing - Exchange & Payments](https://appshunter.io/ios/app/dzing-exchange-and-payments/id1473810151) | — | Free | Finance | | [OppFi Card](https://appshunter.io/ios/app/oppfi-card/id1561773850) | 3.2 (43) | Free | Finance | | [Bip: Simple cardless credit](https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957) | 4.4 (7) | Free | Finance | | [Jaja Credit Card](https://appshunter.io/ios/app/jaja-credit-card/id1515256908) | 4.8 (22) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*