Automate Your Way Out of Credit Card Debt
Save money, reduce stress, and clear your debt faster—100% automated.
- Save £100s in interest every year
- Get debt-free months faster
- Secure payments with UK Open Banking
Kayl helps you make change
Change is Possible
Automatically round up your transactions, double the amount, or let Smart Pay intelligently find what you can afford each week. Three simple, automated ways to shrink your debt—without the stress.
Change is Atomic
Using the power of atomic habits and engaging gamification, we break debt repayment into small, manageable milestones. Earn badges as you achieve each goal, turning the overwhelming into the achievable.
Change is Wise
Credit card statements are confusing—with hidden charges and complicated figures. Our app transforms them into clear, simple, one-page visuals, giving you total clarity and control over your finances, so you can confidently make smarter decisions.
Gain Financial Clarity, Boost Your Monthly Savings
Beyond interest savings, research shows better financial decisions can save you up to £60 each month.
Avoided Late
Payment Fees1
SAVE ~£12/moAutomated Smart Pay helps save on missed payments
Reduced Impulse
Spending2
SAVE ~£30/moClear visual statements and spending insights
Improved Credit
Score Savings3
SAVE ~£25/moConsistent debt reduction helps improve credit score
¹ FCA study on average late payment fees.
² Behavioral finance research on impulse spending reductions.
³ Experian data on credit score impact on borrowing costs.
See Exactly How Much You'll Save
The more consistently you pay, the more interest you save—outweighing your subscription cost.
Monthly
Payment
Monthly Interest Saved1
Monthly App Cost
Net Monthly Savings
1 Based on an assumed 30% APR.
1 Based on an assumed 30% APR.
Powered by Open Banking
Your data is protected by bank-level security standards, ensuring compliance with strict UK Open Banking regulations
Every transaction is securely encrypted and processed efficiently using Open Banking’s regulated framework
Open Banking gives you secure access to your financial data, putting you in control of your money with full transparency
How Kayl Works
What Kayl Does Not Do
Hold your money
Your funds stay in your bank, we just help automate repayments
Initiate payments to third parties
Only payments to your linked credit card(s)
Sell your data
We respect your privacy. Your data is secure and never sold
