Kaldi is the only app to link shopping rewards to investing.*

Kaldi is an easy-to-understand shopping & investing app, helping you to save earlier and better. With automated tools to improve your saving ability without sacrificing time and energy.

Open your Kaldi account in just a few minutes to start saving from your everyday spending. Use the Kaldi app to pay in store or online at over 100 major high street brands and earn cashback.

How to get started:
1. Download the Kaldi app.
2. Create a free account in minutes.
3. Verify your identity.
4. Start earning cashback instantly and shopping at top brands.
5. Set your savings goal and open your own investing account.
6. Start investing your cash rewards. Capital at risk, other charges apply.

You'll have:
> No more wasted or forgotten cashback. With cash rewards and roundups going directly into a savings pot.
> Set your savings goal and target date to receive monthly budget tips.
> Help loved ones achieve their savings goals by linking your cashback rewards and roundups to their accounts.
> Or reach your goal quicker by receiving the cashback and roundups from others.
> Turn on roundups to round up to the nearest pound, helping you save a little more with every purchase.
> Pay friends and family up to £100 per day.
> Refer up to 5 friends to receive an extra 0.5% cashback on their spending for their first 3 months. Referral slots are reloaded at the end of their 3 months.

Discover investing with Kaldi, and get your money to start working for you. Kaldi will guide you with non-jargon info and educational resources. Capital at risk, other charges apply.

Save smarter with:
> Start investing from as little as £1. When you invest your capital is at risk.
> The ability to auto-invest your cashback, roundups and personal savings.
> Access to a curated selection of easy to understand, low-cost funds.
> Find the investments that are right for you, with Shariah compliant and ESG funds available.
> Investment funds provided by industry leaders such as Vanguard & Fidelity.
> Set and visualise savings targets with tools that explain in simple terms what investment choices fit for the time frame of your goals.

Kaldi takes security seriously.
> Kaldi uses biometric security authentication for extra protection.
> Option to have additional tailored security questions.

We want more people to discover smarter saving solutions to better achieve their financial goals.

In order to provide investment services, Kaldi Financial Technology Limited (FRN: 1017309) is an appointed representative of RiskSave Technologies Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 775330). Other features of the app are not regulated.

Here are the fees you when you invest with Kaldi:
> Receive 3 free transfers per month, which are split between Account-to-Account transfers, withdrawals from Kaldi, transfers of money in and out of your Investment Account. Anything beyond the transfer limit will incur a £0.20 fee.
> 0.15% per annum Service Fee. This is calculated monthly based on your Assets Under Management.
> Investment charges depend on which investment or investments you choose as they are charged by the fund manager of that specific fund or funds. These are clearly displayed next to each investment option.

*When investing your capital is at risk.