{"id":443724,"date":"2022-03-22T16:00:46","date_gmt":"2022-03-22T16:00:46","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=443724"},"modified":"2025-07-01T10:49:39","modified_gmt":"2025-07-01T09:49:39","slug":"keebo-credit-card-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/keebo-credit-card-review","title":{"rendered":"Keebo credit card review"},"content":{"rendered":"

The Keebo credit card is issued on the Mastercard<\/a> network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.<\/p>\n

What is the Keebo credit card?<\/h3>

The Keebo credit card is the first UK-approved credit card to use open banking (that\u2019s where you authorise a company\u2019s systems to make a connection to your bank account and analyse the transactions). <\/p>

Founded by Michael Vanaselja and Matthew Hallett and provided by PayrNet, the Keebo credit card is backed by local and global fintech investors such as Connect, Innovate UK and Breega. After being awarded a \u00a35 million investment and 3 technology grants from the UK government, it is predicted that the Keebo credit card is about to make some big waves in the credit card industry with potential challengers to follow. <\/p>

The card is designed for those who are looking to build or rebuild positive credit and may have been turned down by traditional banks. By using open banking to analyse your income and outgoings, the hope is that Keebo might be able to offer credit where other card issuers can\u2019t. And from freelancers to students to expats, the Keebo credit card has the potential to boost credit if used correctly and responsibly.<\/p>

Repayment options<\/h3>

You can make manual repayments through Keebo\u2019s app, by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.<\/p>

A direct debit protects you from forgetting to make a repayment and damaging your credit score \u2013 making it harder and more expensive to borrow money in the future \u2013 and getting hit with a penalty fee (\u00a35) as a result. In addition to paying the minimum amount, you can also pay both a fixed and full amount per month.<\/p>

You can arrange a direct debit for repayments when you apply for the credit card.<\/p>

How to apply for the Keebo credit card<\/h3>\n\n\n\n\n

Sorry \u2013 Keebo is no longer accepting applications for this card. However you may wish to consider one of the alternatives<\/a> listed above.<\/p>\n

If you\u2019re an app-lover, you\u2019ll be pleased to know that you can also apply for a Keebo credit card straight from the Keebo app.<\/p>

Bottom line<\/h3>

If you\u2019re in the market for a credit-building credit card and you\u2019re not afraid of trying something a little less traditional, the Keebo credit card could be for you \u2013 as long as it\u2019s used responsibly and the balance is repaid each month. As the UK\u2019s first credit card to use open-banking technology, your creditworthiness will be decided by your real-time spending and not just what\u2019s on your credit report \u2013 appealing right? With a fairly average APR and varied credit limits, you can compare<\/a> the Keebo credit card with other cards on the market to find your best deal.<\/p>

Although Keebo\u2019s designed to try to stop your credit history being the be-all-and-end-all, there\u2019s no getting away from the fact that your credit report will remain a major factor when Keebo (or others) are deciding whether or not to offer a card. If you don\u2019t know what your credit report looks like, you can check it out for free<\/a> through Finder.<\/p>

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Other credit builders<\/h3>\n
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