Great things happen when money has a plan.
POOL, SPEND AND SAVE TOGETHER.
Whether it's a villa in Ibiza, the monthly flat-share bills, or an investment club, Kintro brings your group's money together so you can focus on what matters.
Kintro is the UK's smartest way to save, pool, and spend money. No joint accounts. No credit links. Join the waitlist for early access.
No spam. We'll only contact you when Kintro launches.
HOW IT WORKS
Choose your pot
Chose it's type: Group spending, group gifting, work expenses or investment clubs.
Invite contributors
Share a Magic Link via WhatsApp or email, and contributors can join straight away, no app download needed.
Set pot limits
Choose approvers, goals, spend limits and smart reminders (friendly nudges)
From idea to funded pot in minutes.
Kintro is the shared digital wallet that helps your group pool, manage, and spend money together without a joint bank account or affecting your credit score.
Works with any bank. No credit checks — using Kintro will not affect your credit rating. Secure — we use bank-grade encryption to keep your data safe. Regulated by the Financial Conduct Authority (FCA).
More questions?See our FAQ page
MONEY THAT MOVES WITH YOUR LIFE.
Whether it's a group holiday, a shared flat, or a long-term savings club — Kintro fits the way you actually live.
"The app nudges. The pot fills. The bills go out. Nobody's credit suffers."
Four flatmates. One house. Kintro reminds each flatmate when their £137 contribution is due, they send money into the pot, and the council tax, electricity, water, and gas are paid automatically. No one person is carrying the admin burden.
"The girls get a garden playground for Christmas. Nobody's money is wasted. Summer saved."
No more ‘What do the kids want for Christmas?'
"Our Chama needed a treasurer, an auditor, and a WhatsApp group. Now it just needs Kintro."
Eight members pooling £200 each month. Voting on investments, full audit trails, and PDF statements ready for every meeting.
"Everyone contributed anonymously. She had no idea until the reveal."
Eleven colleagues quietly chipped in for a leaving gift. Anonymous contributions, a surprise unlock date, and zero awkward conversations about who paid what.
"We do a big dinner every month. The kitty is topped up before we even sit down."
Four friends with a standing monthly dinner tradition. Everyone auto-contributes £40 on the last Friday. The card gets unlocked at the restaurant. No bill drama, ever.
THE NUDGE ENGINE.
No more being the awkward chaser. Kintro handles the social friction so you don't have to. Smart, timely reminders that feel helpful — never pushy.
FEATURE HIGHLIGHTS
Multi sig APPROVALS
For larger pots, require 2 or 3 people to approve any withdrawal. Total peace of mind
Gift aid ready?
Collecting for a community project? We help you track what's eligible for tax-free boostsReal-time transparency.
Every member sees the balance. Total trust, zero “black boxes“
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Smart Reminders
We send the “friendly nudges“ so you don’t have to be the bad guy.
WHY KINTRO.
The only pot built for real groups. Other apps track expenses. Kintro moves and protects actual money — together.
| Joint Account | Splitwise | Collctiv | The better way Kintro | |
|---|---|---|---|---|
| No credit score impact | ||||
| Multi-Sig withdrawals | Either / both only | Custom rules | ||
| Works with any UK bank | Same bank only | Open Banking | ||
| Automated reminders | AI-powered | |||
| Recurring contributions | Set & forget | |||
| Group voting on payouts | Built-in | |||
| Scales beyond 2 people | 2 members max | Unlimited | ||
| Instant mobile setup | Branch visit required | Under 60 seconds |
Frequently Asked Questions
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Yes, held in ring-fenced accounts with UK Tier-1 banks.
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Free for basic pots; a small flat fee for premium “Multi-sig” investment clubs.
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No. Contributions are usually from post-tax income. You are only taxed on any interest the pot earns if exceeds your Personal Savings Allowance ( 1000 for basic rate taxpayers).
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No. ISAs must be held byone person only. Groups typically save in a pot and transfer funds to an ISA individually if tax is a major concern.
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Unlike a traditional joint account, our platform does not create a “Financial Association” on your credit report. Your credit files remain entirely separate.