The Credit Thing, developed by Koto Card Limited, is a free app designed for anyone who wants to try something new, values innovation, convenience, and transparency, and prefers human customer service. The app offers a simple account opening process, an instant virtual card, and free money transfer with no hidden fees.

With The Credit Thing, you can easily add your virtual card to Google Pay and use it for contactless payments in-store, wherever you see the Mastercard logo. You can also view your card details in-app and use them to spend online, make payments in the app, and receive real-time alerts on your spending. Plus, there are no additional fees for using your card abroad, and you can enjoy faster payments to and from UK bank accounts.

It is important to note that e-money accounts are not covered by the FSCS, and you will need to enable notifications in the mobile app to receive alerts. If you have any questions or problems during the application process, you can easily contact the developer through the app's chat feature. Overall, The Credit Thing is a great option for those looking for a convenient and transparent way to manage their finances.