Kaldi: Your Financial Revolution Starts Here

In our modern world, where everyone and everything seems to be celebrating the here and now, building towards your future and managing your finances can feel overwhelming. As the cost of living continues to leave its mark, our salaries are being stretched further and further, and saving for a home seems nearly impossible. For most of us, we didn’t even get taught the basics of how to manage our money at school, much less how to climb the housing ladder.  

That’s where Kaldi steps in, offering a seamless way to help you grow your savings while going about your everyday spending. Whether you are just starting your financial journey or looking for ways to supercharge your savings, Kaldi has you covered with five key features that set us apart from the rest.

Let’s break them down:

Cashback: Save While You Spend

Who doesn’t love getting money back? With Kaldi, you can do just that. Kaldi has partnered with over 100 top high street retailers, offering an average of 3-4% cashback on each of your purchases. From brands like Amazon, Airbnb, Aldi, M&S, Deliveroo, Spotify, and more, you’re sure to find some of your favourites. Best of all? You can send that directly to your savings from the in-store checkout, meaning you’re growing your wealth every time you spend!  

Referrals: Earn More by Helping Friends

We all have those friends who love spending but are not so good at saving. Well, with Kaldi, you’ve got the incentive to give them the poke they needed (beyond the kindness of your heart, of course). Referring them to start saving with Kaldi means you help them – while helping yourself too! Invite up to 5 friends to join Kaldi, and you’ll earn an extra 0.5% cashback on every purchase they make within their first 3 months! Better still, your referrals reload at the end of the 3 months so you can keep spreading the savings revolution while adding to your own. The more friends you have – the better it gets!

Ok, great, but what’s 0.5% extra cashback look like? Let’s say each of your 5 friends pays with Kaldi to buy their weekly shop at Morrisons or Aldi. At £31 for the average weekly shop with 2% cashback, they’ll each get 62p back, and you’ll also earn 0.5% on each of these shops. Over a month, that’s an easy extra £3.36 just from their weekly shops. With over 100 major retailers just imagine the rest of their spending you could earn from. What’s not to love?  

Linked Accounts: Team Up to Save

Kaldi understands that saving can sometimes be easier with a little help. With today's cost of living crisis, every penny counts. That’s why Kaldi allows you to link accounts, connecting with up to 5 people—family members or friends.  Their cashback goes directly to your Kaldi account, from the checkout and you get the instant update!  Mums, Dads, Grandparents – they can all give you a hand, it costs them nothing to help you reach your savings goal. How cool is that?! If they’re feeling really nice, they can also send you their spending roundups too.  

Auto-Saving: Let Kaldi Do the Work

Saving shouldn’t be so stressful – and with Kaldi’s automated saving feature, it doesn’t have to be. You can set the app to automatically transfer funds from your spending balance to your savings pot once a month. It’s completely up to whether you want to sweep across all your leftover cash from your spending pot or move a specific amount each month; you control your own budget.

To help you stay motivated, Kaldi also lets you set a savings goal, turning saving money into a fun personal challenge. It will then be shown within the app, helping you to visualise your goal. Whether it’s for a new gadget, a vacation, or simply a rainy day, Kaldi helps you save effortlessly.  

For those looking to take their savings to the next step, Kaldi’s auto-investing feature is for you! This allows you to automatically transfer your savings into your selected investment fund once a month, once it reaches £20. It’s a hands-free way to contribute to your investments regularly. Just remember that when you invest, your capital is at risk.  

Investment: Make Your Money Work Harder

Investing can seem daunting, but Kaldi makes it easy by offering educational videos and simple tools to get started. Before you start investing, we’ll need to ask you some questions to make sure investing is the right fit for you. Thats a legal requirement not just us being nosy!

Kaldi offers a range of investment accounts, including ISAs, JISAs (for those looking to invest for their children under 18), and General Investment Accounts. You can start from just £1 so it’s easier than ever to discover investing and growing your wealth over time using Kaldi. Scratching your head at all the acronyms? Don’t worry, Kaldi's educational resources make sure you feel confident making every step.  

Kaldi provides tools to help you invest, we don't offer personal financial advice. What does that ‘Capital at Risk’ warning mean that I keep seeing everywhere? It means that the value of your investments can go up or down. Whilst the stock market has gone up a lot over the long term, depending on when you need to take money out means that you could get back less than you put in.  

Ready to Start Your Financial Revolution?

All these features combine to create an app that brings together shopping, saving, and investing for the first time. Kaldi is more than just an app – we’re on a mission to spark a savings revolution for the next generation, to help you take control of your money and reach your goals. So, there’s no excuses now – get that account open and get saving and investing for a better future!

Take the story of Sally, a Kaldi user who is maximising her savings and investment potential. By using Kaldi’s features, Sally was able to invest a total of £230 each month but with only £164 coming from her own pocket, by using the social savings hacks that are built into the app. That’s helping her on her way to achieve her dream of owning a house in the countryside!  

You could save like Sally. Start your savings journey today with Kaldi and see just how far your money can take you. Whether it’s a down payment on a home or a new car, Kaldi gives you the opportunity to reach your financial goals without major changes your lifestyle.  

Kaldi truly is your companion for building your financial future. So why wait? Download the Kaldi app today!

Kaldi don’t offer advice so you’re responsible for making any choices about investments. If you don’t understand all the detail (including the risks) you can talk to an independent financial advisor who may be able to help you. Remember, you can move the cashback from Kaldi straight into your bank account instead of investing if you feel that a loss would cause you financial difficulty. Click here to find out more about the fees that you will be charged.