Invest every time you  shop

Helping you reach your financial goals through spending powered investing.
Capital at risk when investing.
How it works

You’re just minutes away from taking control of your financial future

Download and sign up

In less than 5 minutes you could open your account, top up and start earning to invest.

Capital at risk when investing.

Shop like normal, invest automatically

Earn between 1 - 14.5% cash back automatically from over 130 brands. Simply scan or enter the code at the checkout.

Invest with ultra-cheap fees* and zero fuss

Effortlessly invest into curated, low-cost investment funds. Start investing from as little as £1 and use your shopping rewards as bonus investments.

*According to Investing Insiders

Download

Shop

Invest

App features

Make investing part of your everyday routine

Download and sign up

Open your account and top up with cash to start spending and investing. Just pay with Kaldi, no extra effort and every purchase can automatically contribute to your investments.

Shop like normal, invest automatically

Earn 1% to 14.5% cashback from over 130 brands, automatically boosting your investments. Just scan or enter the code at checkout.

Invest with minimal fees
and zero fuss

Effortlessly invest into curated, low-cost investment funds. Start investing from as little as £1, with some of the lowest fees around. Or choose to keep your cashback as savings.

Download

Shop

Invest

App features

Make investing part of your everyday

Round up your spending

Automatically turn your spare change into micro-investments every time you shop. Small amounts quickly add up, making investing as easy as buying your morning coffee.

Receive extra rewards

Get help reaching your financial goals faster. Link your Kaldi account to automatically receive the cashback and round ups from every purchase they make.

Send cash to others

Owed money from friends? Quickly settle up within the app, then effortlessly turn those repayments into investments. It's simple, seamless and builds wealth from everyday exchanges.

Learn about investing

There’s no jargon or intimidation. Just clear guidance so anyone can get started. Kaldi helps you understand investing step-by-step. Feel confident every time your money grows.

Automated budgeting

Take the effort out of saving with automated monthly sweeps. Kaldi helps you invest consistently without having to think about it.

Don’t just take our word for it

Thousands have taken control of their finacial futures

Hear directly from people who are building their financial future, automatically and affordably.

Nomeda
Verified
5.0

It simplified it all for me, with another investing platform I was pushed to do something I didn’t know what I was doing.

Rose
Verified
5.0

I'm able to add to my daughters JISA every month just from the family shops.

Penny
Verified
5.0

I appreciate the ease of use and the chance to add to my granddaughters future.

Joe
Verified
5.0

This app simplifies investing and for such cheap fees. The cashback is a great way to add a little more.

Michael
Verified
5.0

Kaldi should be part of your every day tool kit. If you’re trying to save money it should be a no brainer.

Emily
Verified
5.0

This app makes investing easy and rewarding. The cashback options are a great incentive!

Nick
Verified
5.0

A solid investment app. The cashback feature is a nice touch that helps me save more.

How it works

Make investing part of your everyday routine

Forget everything you've heard about investing being complicated or expensive. Kaldi turns ordinary spending into automatic investments. Whether you're grabbing coffee or buying a new pair of shoes, you're steadily building your future without even noticing.

👬 Share your rewards

Help someone you care about build their financial future. Link your Kaldi account to automatically send cashback to a loved one. Every purchase brings their goals a step closer.

💸 Send cash with Kaldi

Owed money from friends? Quickly settle up within the app, then effortlessly turn those repayments into investments. It's simple, seamless and builds wealth from everyday exchanges.

💰 Round up your spending

Automatically turn your spare change into micro-investments every time you shop. Small amounts quickly add up, making investing as easy as buying your morning coffee.

📈 Learn about investing

There’s no jargon or intimidation. Just clear guidance so anyone can get started. Kaldi helps you understand investing step-by-step. Feel confident every time your money grows.

🤖 Automated budgeting

Take the effort out of saving with automated monthly sweeps. Kaldi helps you invest consistently without having to think about it.

Investing with Kaldi

Goal focused investing at your fingertips

Let Kaldi show you how easy it is to build your future through compound investing based on the assumptions you enter. See just how your everyday spending can become meaningful financial growth. Capital at risk. This is a tool and is not a promise of any future performance. The value of your investments can go up or down, and you may get back less than you put in.

Choose your investment
Annual return on investments
8%
Annual interest on savings
3%
Savings achieved over 10 years
£0
Invested
£0
Saved
Y0
Y5
Y10
Risk warning: It's important to remember that while Kaldi provides tools to help you invest and diversify, we don't offer personal financial advice. The value of your investments can go up or down, and you may get back less than you put in. If you're unsure about investing or your personal financial situation, it's best to seek advice from a qualified financial advisor."
Assumptions: Assumed saving £200/month. Cashback bonus and round-ups of £20 per month, based on an average of cashback return between 3 - 4% and an monthly spend of £600. Assumed Referral bonus based on 0.5% extra from 5 referrals each spending £600 per month with the user reloading new referrals at the end of the 3 month limit. Linked Accounts bonus of £40 based on two users directing round-ups and cashback.
Investing for all

Investing made affordable for everyone

Kaldi offers some of the lowest investment fees available, making growing your wealth simple and accessible. No confusing jargon, hidden costs or minimum subscriptions. Just effortless investing built into your daily routine.

  • Set up an ISA, GIA or JISA in minutes.
  • Choose from diversified money market or index funds.
  • Start investing with as little as £1.

Still stuck with outdated investing methods? It might be time to switch to Kaldi and invest the easy way.

When you invest your capital is at risk.

Choose your investment amount:
Cost of Investing £1000

in funds in a Stocks and Shares ISA for 1 year*

Cost of investing £10,000

in funds in a Stocks and Shares ISA for 1 year*

£1.50£15
£12£15
£59.88 (if paid annually) or £71.88 (if paid monthly)£59.88 (if paid annually) or £71.88 (if paid monthly)
£35.88£35.88
£16.50£57
* Not included: Account growth; Fund fees.
Money Matters

Kaldi conversations

Get straightforward, practical advice to help you make the most of Kaldi. From simplifying investing concepts to smart money habits, you'll find everything you need to learn about investing and build your financial future.

Partner retailers

Shop big brands. Invest for your future.

Every time you shop with top brands, Kaldi turns your shopping rewards into automatic investments. Whether it's essentials or something special, every purchase helps grow your financial future.

When you invest your capital is at risk.

Our FAQs

Questions about Kaldi?

Find answers to the most common questions below. If you need more information or have something specific to ask, feel free to drop us a line. We're here to help.

What does "Confirmation of Payee" mean?
What happens if your unhappy with our final response to complaints?
How does Open Banking work?
Is Open Banking Secure?
How can I initiate an AIS or PIS request?
What is Open Banking?
What is two-factor authentication?
I can’t find an answer to my question, I still need help. What shall I do?
What happens if I am not happy, how can I make a complaint?
What should I do if I find myself in a vulnerable position and need support with my finances?
Can I share Kaldi’s articles and project updates with my network?
How can I interact with Kaldi on social media?
What types of content can I expect on Kaldi’s social channels and Money Matters page?
How can I stay informed about Kaldi’s latest initiatives and updates?
Where can I find more information about Kaldi’s products and services?
What shall I do if the Kaldi account holder has passed away?
Why has my account with Kaldi been rejected?
Can I put my cashback into a pension or ISA?
Are there any hidden fees with a Kaldi account?
What happens if I decide to close my Kaldi account?
How can I change my withdrawal bank account details?
Why can’t I log into my Kaldi account?
How can I change my email address connected to my Kaldi account?
Can I open Kaldi as a joint account?
How can I withdraw funds from my Kaldi account?
What if I suspect that fraud has occurred on my account?
What do I do if I suspect unauthorised transactions on my Kaldi account?
What are Kaldi codes and how do they work?
How do I load cash into my Kaldi account?
What payment options are available with Kaldi?
How do I open an account?
Are there any restrictions to joining?
Can I get cashback anywhere?
What will my information be used for?
How can I help the Kaldi Tribe grow?
See more...

Your capital is at risk when investing.

Get started today

Stop hesitating. Start investing

Join thousands already building their financial futures with Kaldi. It’s free to download the app and start earning rewards from your shopping. No subscription and very low investment fees. It’s time to take control of your financial future by turning your everyday spending into automatic investments.

Your capital is at risk when investing.