In 2026, many people look for easy ways to save and invest money without much effort. The Kaldi app promises to help with that. It turns your normal shopping into cashback that can go straight to savings or investments. But is it really good? Is the Kaldi app legit? In this complete guide, we look at everything about Kaldi in simple words. We check what it is, how it works, user reviews on Trustpilot, pros and cons, and if it is safe to use. This review is based on real facts from the official site, expert reviews, and user feedback as of early 2026.
What Is Kaldi App?
Kaldi is a mobile app from the UK that helps you shop, save, and invest at the same time. It is made for young people like Gen Z and millennials who want to start saving and investing early but find it hard or boring.
The main idea is simple: When you shop at partner stores using the Kaldi app or card, you get cashback (real money back). You can choose to put this cashback into your savings or invest it automatically in funds like money market funds or global stock index funds. This way, your everyday spending helps build your money over time without extra work.
Kaldi started as a fintech startup. It raised money through Crowdcube (a crowdfunding site) and launched fully around early 2025. The app is available on both App Store and Google Play. It is not a full bank, but it works with regulated companies for payments and investments.
Key points about what Kaldi does:
- Earn cashback from over 130 UK retailers (like big brands on the high street).
- Cashback rates are usually between 1% and 10% depending on the store.
- Turn cashback into auto-investments from as little as £1.
- Options for savings pots or investment accounts (including Junior ISAs and Stocks & Shares ISAs).
- Low fees for investing (around 0.15% per year).
The app aims to make investing feel normal, like part of your daily shopping.
How Does the Kaldi App Work? Step-by-Step Guide
Using Kaldi is easy once you set it up. Here is how it works in simple steps:
- Download and Sign Up Get the app from the App Store or Google Play. Sign up with your details. It takes less than 5 minutes. You need to verify your ID for safety (standard for money apps).
- Add Money to Your Account Top up your Kaldi account with cash from your bank. You can use bank transfer or other easy methods. Some users say funding is not the smoothest (no direct open banking link in some cases), but it works.
- Shop with Kaldi Use the Kaldi digital card or app to pay at partner retailers. Or buy gift cards through the app for extra cashback. Every purchase gives you cashback.
- Get Cashback and Choose What to Do The cashback comes as real money. You can save it or set it to auto-invest into funds. The app shows your portfolio and how it grows.
- Invest or Save Investments go into low-cost funds (like ETFs). You can pick money market (safer, low risk) or stock market funds (higher risk but potential for more growth). Capital is at risk when investing, so only use money you can afford to lose.
- Track Everything The app lets you see your balance, cashback earned, investments, and performance. You can move money or withdraw when needed.
It is designed to be automatic, so you do not have to think much after setup.
Is Kaldi App Legit and Safe?
Yes, the Kaldi app is legit. It is a real company called Kaldi Financial Technology Limited, based in London. It is not a scam.
For safety:
- Payment services are provided by Transact Payments Limited, regulated by the Gibraltar Financial Services Commission (GFSC). This covers electronic money and payments in the UK and Gibraltar.
- Investment services are through an appointed representative of RiskSave Technologies Limited, which is authorised and regulated by the UK Financial Conduct Authority (FCA). This means investments follow strict UK rules.
- They partner with WealthKernel for investment handling.
- The company raised funds publicly on Crowdcube, which adds transparency.
- They have clear legal pages on fraud awareness, terms, privacy, and complaints.
No major scam reports exist. Reviews from trusted sites like Good Money Guide and Investing Insiders call it a good option. But remember: Investments can go down as well as up. Always read the risks.
Kaldi App Review Trustpilot Ratings
On Trustpilot (as of early 2026), Kaldi has a TrustScore of around 3.8 out of 5 stars based on a small number of reviews (about 5 reviews shown publicly). Most are positive.
Examples of user feedback:
- People like how it makes saving easy for goals like a house deposit or kids’ funds.
- One user said it simplified investing when other apps felt hard.
- Another loved adding to a Junior ISA just from family shopping.
The score is good but based on few reviews because the app is still new (launched fully in 2025). The company has not replied to negative reviews yet (if any). Trustpilot uses checks to keep reviews real.
Other sites:
- Good Money Guide gives it a strong verdict for cashback and low fees (around 4.2/5 overall).
- Investing Insiders rates it 4.0/5, calling it a favorite for cheap investing and cashback.
No big red flags on Trustpilot or elsewhere.
Pros and Cons of Kaldi App
Pros:
- Easy way to turn shopping into savings/investments.
- Good cashback rates from many popular UK brands.
- Very low investment fees (0.15% a year) – cheaper than some big names like Vanguard for small amounts.
- Auto-invest feature helps build habits without effort.
- Supports ISAs (tax-free in the UK).
- Starts from small amounts (£1).
- Aimed at beginners and young users.
Cons:
- The app can feel a bit hard to use at first (some steps for funding or setup).
- Not a full bank – no interest on basic savings pot in some cases.
- Limited customer support options (mostly email).
- No Lifetime ISA option.
- Cashback often through gift cards or specific ways, which takes extra steps.
- Still a newer app, so fewer reviews and features compared to big players.
- Investing risks – your money can lose value.
Who Should Use Kaldi App?
Kaldi is best for:
- Young people (18-35) who shop a lot and want to save/invest without thinking much.
- Parents saving for kids (via Junior ISAs).
- Beginners scared of investing – it makes it automatic and fun.
- UK users who like cashback apps but want more than just spending rewards.
It may not suit:
- People who want high-interest savings.
- Advanced investors needing many options.
- Those who prefer big banks with more support.
Final Thoughts: Is Kaldi App Worth It in 2026?
In 2026, Kaldi stands out as a smart, simple app for people who want to save and invest while doing normal shopping. The idea of auto-investing cashback is clever and helps build wealth over time. With low fees, FCA-linked regulation, and positive early reviews, it looks legit and helpful.
But it is not perfect. The app could be smoother, and it is best for those okay with some setup effort. Always start small, understand the risks (capital at risk), and check the official site for latest details.
If you shop at partner brands often, Kaldi can be a no-brainer way to grow your money automatically. Download it, try it, and see if it fits your life. Many users say it changed how they think about saving.
Disclaimer:
This article is only for information. It is not an ad or promotion. We do not earn money if you use Kaldi. Saving and investing can be risky. Your money can go up or down. Always check the official app or website and make your own choice. We are not responsible if you lose money or have problems using Kaldi.
Explore More
- 118 118 Money App – Download 118 118 Money App & Manage Your Credit Card Easily
- Rome Public Transport App – Buy Tickets & Travel Easily
- MyJDW App – Download for iPhone & Enjoy Easy Access Anywhere
About the Author
