KittyCard is here to simplify group payments. You can setup Kitty's for various purposes and invite friends/colleagues to both contribute and spend from your Kitty's.
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 and read about how the different Kitty Types operate with regards to spending.
All Kitty members can click on any other Kitty members avatar/profile pic to view their registered legal name.
You are required to provide identification (passport/drivers license), proof of UK address, a verified phone number/email address and a selfie. When registering an account you will be asked a series of questions in accordance with our KYC (Know Your Customer) and AML (Anti Money Laundering) compliance requirements and we may conduct background screening.
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. Learn more about the different Kitty types here
The first step is to load funds into your personal kitty Account. You can find your sort code and account details by navigating to the 'My Account" section. You will see your sort code and account number at the top of the screen. You can transfer funds into your account instantly from your existing bank accounts. We will be adding additional payment methods in the future.
Once you have funds available in "My Account" you can create or navigate to an existing Kitty and add funds instantly.
As an Admin you can add members to your Kitty during Kitty creation or you can use the 3 dot menu in the top right of the Kitty screen and select "Invite users". When you invite a user you are giving them access to the Kitty.
Please visit the kitty types page to understand the differences between the Kitty types.
Adding a user will not automatically notify them of the invitation unless they are already a KittyCard user. In this case you should share the Kitty URL with them when prompted.
You can also share the Kitty URL with anyone and if they are not authorised to access the Kitty they can click the "Request to join" button. The admin will receive a notification and can approve/deny the request to join. Invitations are valid for 14 days, after which the Admin would need to re-invite a user.
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.
User can only access your Kitty if they are invited. Please see the Help page for more information.
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 Admin 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 Admin 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 Admin you can remove a member by clicking on the 3 dot context menu next to their name on the member list of the Kitty details screen and selecting the "Remove from Kitty" option. The user will have any associated virtual cards deleted, lose access to the Kitty and if eligible for a refund/partial refund it will be transferred to their personal Kitty Account accessible by "My Account". Visit the Kitty Types page for more information.
As the admin/creator of a Kitty, you can navigate to the Kitty screen and open the menu using the 3 dots in the top right corner of the screen. You will see the "Close Kitty" option. Please note that if you close a Kitty, any remaining funds will be refunded in accordance with the Kitty rules, any associated Virtual Cards will be deleted and everyone will lose access to the Kitty.
The current limit is 20 members in any Kitty.
When you add funds to a Kitty, anyone in that Kitty who has Spender permission is able to spend from the Kitty. Please visit the Kitty Types page to understand the differences between Kitty Types. You can click on a user's avatar icon to view their legal name, please make sure you only add funds to Kitty's where you recognise the other members, admins and/or spenders.
When leaving a Kitty, any associated Virtual Cards will be deleted and you will lose access to the Kitty. If you are elegible for a refund/partial refund from the Kitty, this will be transferred to you upon leaving. Please read the Kitty Types page to learn more.
Please read the Kitty Types page to learn more.
The creator (Admin) 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 (Admin) has full control over the Kitty. Please see the Kitty Types section to learn how the different Kitty's work.
As a Kitty member you can transfer funds into the Kitty at any time, even if you are not a Spender. For a Collection/Family Kitty you can simply use the "Add funds" button. For all other Kitty types, you can click the 3 dots menu at the top right of the screen and select "Transfer funds to Kitty"
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.
If you are in an Equal Kitty, you can request a refund at any time by clicking "I'm out" on the main Kitty screen or you can use the 3 dot context menu in the top right corner of the screen and select "Request refund". Your estimated share of the refund will be calculated and displayed before you confirm. The refunded funds will be sent to your personal Kitty account accessible via the "My Account" menu on the main navigation screen.
To become a Spender in an Equal Kitty, you have to buy in your equal share of the Kitty. If there are no funds in a Kitty you can set the initial amount by adding funds. If there were 2 Spenders in the Kitty with a balance of £20, you would need to add £10 to become a Spender. At this point you will have the option to activate your KittyCard and add it to your Google/Apple Pay digital wallet.
As an Admin you can use the 3 dot context menu in the top right of the Kitty screen and select 'Refund kitty". The current Kitty balance will be refunded to all of the current Spenders equally.
Any Spender in an Equal Kitty can request a top up. This option shows prominently at the bottom of the Kitty screen when you are a Spender. Click on "Request top up" and enter an amount. Upon confirming, all Spenders will be sent a notification requesting them to add funds. Any funds added via a top up request are not available to spend until all Spenders have added their funds. Once all Spenders have added the requested amount, the funds are then available to be spent in the Kitty.
When you are a Spender in a Kitty you can request a refund at any time. Upon requesting a refund you will be refunded your equal share of the Kitty balance , any KittyCard you have will be frozen so you can no longer spend but you will remain in the Kitty and can view the Chat and add funds at any time to become a Spender once again.
If you "Leave kitty" you will be refunded your share of the Kitty, any associated KittyCard virtual cards will be deleted and you will no longer have access to the Kitty chat, history etc.
Only Spenders can spend in an Equal Kitty. If you previously were a Spender and activated a card, the card will be frozen if you "Request refund" or click "I'm out". Add funds to become a Spender and reactivate your KittyCard.
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.
If the Admin selects the "Refund kitty" option from the 3 dot context menu on the top right of the Kitty screen, all funds will be transferred back to the Admins personal Kitty account ("My Account"). An Admin can transfer funds to a specific Kitty member by selecting the 3 dot context menu next to their username in the members list and selecting the "Transfer funds to <username>" 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 an Equal Share Kitty. If you previously were a Spender and activated a card, the card will be frozen if you "Request refund" or click "I'm out". Add funds to become a Spender and reactivate your KittyCard.
You can freeze/unfreeze your KittyCard at any time by navigating to the Manage Cards screen. Note: If you have a card linked to an Equal Share Kitty and you are not 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.