KittyCard is here to simplify group payments. You can set up Kitty's for various purposes and invite friends and colleagues to contribute and spend. With Smart Kitty, you can also track group expenses, log payments made outside the app, and settle up who owes what — even if not everyone has completed identity verification.
You can view our Terms and Conditions and legal documentation here
You can view our Privacy Policy and other documentation here.
KittyCard uses industry standard security measures and follow strict regulatory guidelines to protect your funds and personal information. Encryption, secure data handling, and transaction monitoring help ensure secure access to your account. Only invite trusted people to join your Kitty's.
All Kitty members can click on any other Kitty members avatar/profile pic to view their registered legal name.
We would like to inform you that the Authorised Push Payment (APP) Fraud Reimbursement rules, that apply to bank and payment service providers for relevant UK consumer accounts, do not apply to the accounts provided by [Program Manager name].
Why?
Our accounts are issued by a Gibraltar Financial Services Commission (GFSC)-licensed institution (Transact Payments Limited). This is important as the APP Fraud Reimbursement rules apply to relevant UK accounts and our accounts are issued by an institution domiciled and registered in Gibraltar, and are therefore out of scope of the reimbursement rules.
What this means?
This means that if you are a victim of APP fraud (where a payment is made to a fraudster and authorised by you), you will not be entitled to reimbursement under the conditions set out in the rules. Nevertheless, if you fall victim to APP Fraud, we will make every effort to recover your funds, provided you notify us immediately if you suspect or become aware of any fraudulent activity. For more information on how to prevent APP Fraud from happening, please visit our FAQs [link to the relevant section].
To create a KittyCard account you only need a verified phone number and email address. This gives you access to some KittyCard features including expense tracking, splits, and group chat.
To unlock the full KittyCard experience - including adding funds and activating a virtual debit card - you will need to complete identity verification (KYC). See "How do I verify my identity?" for more information.
To access card and payment features you will need to complete identity verification. You will need a valid form of photo ID (passport or driving licence), Proof of UK address and a selfie. During verification you will be asked a series of questions in accordance with our KYC (Know Your Customer) and AML (Anti Money Laundering) requirements. We may also conduct background screening. You can start this process at any time in the app.
You can still participate fully in the non-financial aspects of a Kitty:
View the transaction ledger and all member balances
Log external transactions
Edit transaction splits
Record offline payments
Add notes and attachments to transactions
Access Kitty Chat
You cannot add funds to the Kitty until you have completed identity verification. Completing KYC will automatically unlock funding, provided the Kitty Organiser has also verified their identity.
The minimum age to register for a KittyCard account is 18 years old.
Only UK residents can register for a KittyCard account. We will be opening up to EU residents in the future.
KittyCard supports both iPhone and Android devices.
Once you have registered an account, you can click the "Create kitty" button on the home menu within the app and follow the on screen instructions.
Smart Kitty is a group expense-tracking and settlement tool built into KittyCard. It works similarly to a shared expense app - members can log transactions, split costs, record payments made outside the app, and settle up who owes what. A Smart Kitty does not require all members to have completed identity verification to participate. Non-verified members can log expenses, edit splits, view balances, and chat. Adding funds and using a KittyCard virtual debit card requires identity verification, and the Kitty Organiser must also be verified before any member can fund the Kitty.
First, load funds into your personal Kitty account. Navigate to "My Account" to find your sort code and account number, then transfer funds instantly from your existing bank account. Once funds are available in "My Account", navigate to your Kitty and add funds instantly.
Please note: you must have completed identity verification (KYC) to add funds. If you have not, a verification prompt will appear. Even if you are verified, you will not be able to fund a Kitty if the Kitty Organiser has not yet completed their own KYC - funding is disabled for all members until the Organiser is verified.
Your net position reflects whether the group owes you money or you owe the group, based on everything recorded in the Kitty.
Net Position = (Total Contributed + Offline Payments Received) − (Total Spend + Offline Payments Sent)
A positive net position means you are owed a refund. A negative net position means you owe funds to the group. A net position of £0.00 means you are fully settled. You can view net positions for all members on the Balances screen.
You can use the "Share Kitty" button on the Kitty details screen to share your Kitty URL with others. Non Kitty members can use this link to Request to join the Kitty, whilst existing Kitty members can click the link as a short cut to the Kitty in the app.
As an Organiser you can add members to your Kitty at any time by tapping use the 3 dot menu in the top right of the Kitty screen and select "Share Kitty" and sharing the Kitty link. When the user taps the Kitty link, if they are not authorised to access the Kitty they can click the "Request to join" button. The organiser will receive a notification and can approve/deny the request to join.
User can only access your Kitty if they request to join a Kitty and are approved by the organiser.
Every transaction in a Smart Kitty is automatically split equally across all active members, including non-verified and virtual members. No manual input is required. Any member can edit a split at any time. You can adjust each member's share individually, or exclude a member entirely - their share will redistribute automatically across the remaining members. The split editor shows a running total and will not let you save until all shares add up to exactly 100% of the transaction value. All split changes are logged with the editor's name and timestamp.
Yes. Open the transaction and tap "Edit Split". The screen will show the current saved split, pre-populated and ready to adjust. Change individual shares as needed - excluded members have their share redistributed automatically. You cannot save until the shares total exactly 100%. All edits are logged with your name and a timestamp.
An external transaction is a group expense that was paid outside KittyCard - for example, in cash or by bank transfer. Any member (including non-verified members) can log an external transaction by entering a description, amount, date, and payer. The payer defaults to you but can be changed to any member, including a virtual member. External transactions appear in the Kitty ledger labelled as "External" and affect each member's net position, but they do not add to or subtract from the Kitty balance. The same split rules apply - costs are divided equally by default and can be edited.
Settle Up is the process of bringing all members' net positions to £0.00. It is initiated by the Kitty Organiser from the Kitty menu. The app calculates how much each member is owed or owes, using a debt simplification algorithm to minimise the total number of transfers needed. The Organiser must review and approve all calculated refunds before any funds move. Verified members with a positive net position receive a refund to their personal Kitty account. Unverified members with a positive net position must be settled using offline payments. Members with a negative net position are notified to add funds.
The Balances screen gives a summary of every member's financial position within the Kitty. It shows:
Total Contributed - funds added directly to the Kitty
Total Spend - the member's share of all transactions
Net Position - whether they are owed a refund or owe the group
All member types are shown, including non-verified and virtual members. Tapping a member shows a detailed breakdown of their contributions, spend, and offline payments. The screen is accessible to all Kitty members and updates in real time.
A Virtual Member is a placeholder for someone who doesn't have a KittyCard account — for example, a partner, housemate, or friend. They can be included in transaction splits and tracked on the Balances screen, but they cannot log in, add funds, or transact directly. Any financial actions on behalf of a virtual member (such as logging a contribution or settling their balance) are carried out by a real member or the Organiser. Virtual members must have a net position of £0.00 before they can be removed from the Kitty.
The Organiser can add a Virtual Member from the Kitty members screen. Once created, contributions can be attributed to the virtual member. Virtual members will then appear in splits and on the Balances screen alongside full members.
Virtual members cannot receive automated refunds. To settle a virtual member, a real member records an offline payment that brings the virtual member's net position to exactly £0.00. Once their balance is settled, the virtual member can be removed from the Kitty. See "What is an offline payment?" for more information.
An offline payment is a record of money exchanged outside the app - no real funds move within KittyCard. It is used to document cash payments or bank transfers between members so that the ledger and net positions stay accurate.
To record one, you need to enter a Sender, Receiver, and Amount. Any member type, including virtual members, can be the Sender or Receiver. The offline payment appears immediately in the Group Activity Feed and updates both members' net positions. If recorded in error, it can be reversed by the Organiser or the person who created it.
Yes. You can add a text note or attach an image to any transaction, including transactions on your personal Kitty account. This is useful for adding context - for example, a receipt image or a description of what the payment was for. Open the transaction and look for the notes/attachments option.
Yes. Transaction search is available across the full Kitty ledger. Use the search bar at the top of the transactions screen to find a specific payment by merchant name, description, or amount.
There are two possible reasons:
- You have not completed identity verification. Tap the prompt in the app to start the KYC process. Once complete, adding funds will be unlocked automatically.
- The Kitty Organiser has not completed identity verification. Even if you are verified, funding is disabled for all members until the Organiser completes KYC.
You will see a message in the app explaining this. Please contact your Kitty Organiser to resolve it.
Yes you can create as many Kitty's as you like. Please note there is currently a maximum of 4 virtual cards that can be issued per user, you will need to delete a card linked to an existing Kitty if you would like to assign one to a new Kitty.
The Organiser can navigate to the Kitty screen and use the 3 dot context menu in the top right to select the "Edit Kitty" option. You can only change the Kitty name and emoji of the Kitty.
The Organiser can transfer funds to a Kitty member at any time by selecting the user from the user listing on the Kitty details screen. Upon clicking the 3 dot menu, the option to "Transfer funds to <username>" will be available.
As an Organiser you can remove a member by clicking the 3 dot context menu next to their name on the member list and selecting "Remove from Kitty".
Please note: a member cannot be removed if their net position is not zero. You will need to resolve their balance first either through Settle Up, a manual fund transfer, or an offline payment before removal is possible. Once removed, any associated virtual cards will be deleted and the member will lose access to the Kitty. If eligible for a refund it will be transferred to their personal Kitty account.
As the Organiser, navigate to the Kitty screen and open the menu using the 3 dots in the top right corner, then select "Close Kitty". Before closing, all members, including any virtual members, must have a net position of exactly £0.00. If outstanding balances exist, the app will display a warning showing which members still need to be settled. Use Settle Up or offline payments to resolve any remaining positions before proceeding. Once closed, the organiser can refund any remaining funds in the Kitty, any associated Virtual Cards will be deleted and everyone will lose access to the Kitty.
The current limit is 30 members in any Kitty.
When you add funds to a Kitty, anyone with Spender permission is able to spend from that Kitty.
If you have not completed identity verification (KYC), you can still join a Kitty and participate - you can view balances, log expenses, edit splits, and chat - but you will not be able to add funds until your KYC is complete. Completing KYC will automatically unlock funding, provided the Kitty Organiser has also verified their identity.
Please make sure you only add funds to Kittys where you recognise the other members, organisers, and spenders.
When leaving a Kitty, any associated virtual cards will be deleted and you will lose access to the Kitty. If you are eligible for a refund from the Kitty, you can request the organiser to complete the refund to you before you leave.
Please note: you cannot leave a Kitty if your net position is not zero. If you owe funds to the group you will need to top up before leaving. If the group owes you a refund, the Organiser will need to process a settlement first.
The creator (Organiser) of the Kitty legally owns the Kitty account.
If you would like to report a Kitty for any reason, navigate to the Kitty and click the 3 dot context menu in the top right of the screen and select "Report Kitty". A notification will be sent to our support team to investigate.
Only the creator (Organiser) has full control over the Kitty. Organiser controls can not be passed on to other members.
As a Kitty member you can transfer funds into the Kitty at any time, even if you are not a Spender. Simply use the "Add funds" button and add funds or input an expense.
To report a message in the Chat screen press and hold down on the message. A context menu will pop up with the "Report Message" option. A notification will be sent to KittyCard support.
By default the Admin/Creator of an Open Kitty has the Spender permission and can activate a card at any time. The Admin can also assign Spender permission to any other member by clicking the 3 dot context menu next to their name on the user listing of the Kitty Details screen and selecting the "Assign spend permission" option.
Currently each user can have up to 4 active KittyCard's at any time. If you would like to create a new KittyCard you must delete one of your old ones first. Navigate to Settings -> Manage Cards to delete an existing card.
Navigate to "Settings" and then click "Manage Cards"
Only Spenders can spend in a Kitty. If you previously were a Spender and activated a card, the card will be frozen if the Organiser has revoked your spend permission. Please speak to the Organiser if you would like spend permission again.
You can freeze/unfreeze your KittyCard at any time by navigating to the Manage Cards screen.
Note: If you have a card linked to a Kitty and you are no longer a Spender, that card will be frozen and can only be unfrozen by becoming a Spender once again.
3DS (also known as ‘Mastercard SecureCode’, ‘Identity Check’ and ‘Verified by Visa’) is a standard which helps to reduce fraud and provide extra security to your online payments. Authentication is the process by which you identify yourself by sharing secure information that is available only to you. 3DS 2.0 is the latest version and provides a much smoother and safer process for you to authenticate your payments.
Authentication provides an additional layer of security for online transactions, making it harder for fraudsters to gain access to your payment details.
Yes, your card has been enrolled in Mastercard SecureCode (3DS) so that wherever you see the Mastercard SecureCode logo online, your card number will automatically be recognised during checkout. Your card provider is contacted during checkout to confirm your identity as the genuine cardholder.
You will receive a push notification for each online purchase you make at participating merchants. Simply click on the notification and the KittyCard app will launch. Once you have authenticated yourself within the app, the transaction details will be displayed for approve or deny. Note: you must have enrolled for biometric and enabled push notifications within the app.
If you ever suspect that a fraudulent purchase has been made using your card, please freeze your card from Settings -> Manage Cards and contact Customer support immediately.
You can freeze your card at any time by navigating to Settings and then selecting the "Manage Cards" option. Once you have frozen the card please contact customer support for further instructions.
Navigate to the Settings screen and click on the edit (pencil) icon next to your "Display name" to change your display name.
Note: Members of any Kitty you are in can click on your avatar/profile pic and see your legal name.
Please contact customer support in the KittyCard app and we will advise of the process for changing your mobile number.
Please contact customer support in the KittyCard app and we will advise of the process for changing your email address.
Please contact customer support in the KittyCard app and we will advise of the process for closing your account.
Please contact customer support in the KittyCard app and we will advise of the process for closing your account and data deletion.
Please contact customer support in the KittyCard app and we will advise of the process for making a GDPR request.
You can use your KittyCard's anywhere in the world where Mastercard cards are accepted for payments. This includes online or in-store.
Open banking is a service that allows customers to securely share their financial data with third parties, such as other financial institutions or service providers. Customers can give consent to share their data for a variety of purposes, including:
- Payments: Third parties can make payments on behalf of the customer
- Access to financial data: Third parties can access the customer's financial data
Please find our developer documentation at https://developer.tell.money/kitty-card
You can read about our complaints process here
You can view our Fraud Awareness document for more information here.
Certain operations and functions within KittyCard require Strong Customer Authentication. E.g. Approving transactions via 3DSecure, adding a beneficiary to withdraw funds.
When registering for a KittyCard account you will be prompted to enrol for biometric security. This biometric authentication prompt will be presented as required by UK law. You can learn more about Strong Customer Authentication here.
We would like to inform you that the Authorised Push Payment (APP) Fraud Reimbursement rules, that apply to bank and payment service providers for relevant UK consumer accounts, do not apply to the accounts provided by Payload Ltd.
Why?
Our accounts are issued by a Gibraltar Financial Services Commission (GFSC)-licensed institution (Transact Payments Limited). This is important as the APP Fraud Reimbursement rules apply to relevant UK accounts and our accounts are issued by an institution domiciled and registered in Gibraltar, and are therefore out of scope of the reimbursement rules.
What this means?
This means that if you are a victim of APP fraud (where a payment is made to a fraudster and authorised by you), you will not be entitled to reimbursement under the conditions set out in the rules. Nevertheless, if you fall victim to APP Fraud, we will make every effort to recover your funds, provided you notify us immediately if you suspect or become aware of any fraudulent activity.