
Cato is a Super App designed to maximise the financial health of consumers. Powered by leading banking, payments and technology providers as well as services supplied by partners of leading retailers, insurers and advice organisations, Cato provides access to an ecosystem of services and tools all designed to enhance consumers financial health and wellbeing. Using AI and automation Cato will automate the finances of consumers in the UK to help them meet their maximum financial potential.

Cato is a Super App designed to maximise the financial health of consumers. Powered by leading banking, payments and technology providers as well as services supplied by partners of leading retailers, insurers and advice organisations, Cato provides access to an ecosystem of services and tools all designed to enhance consumers financial health and wellbeing. Using AI and automation Cato will automate the finances of consumers in the UK to help them meet their maximum financial potential.
Positioning: UK consumer fintech 'Financial Wellbeing Super App' (not a bank)
Core product: AI-powered financial automation: budgeting, micro-accounts, AI assistant, premium debit card, cashback partnerships
Founders: Simon Phillips (co-founder & CEO); Eugene Kirwan (co-founder)
Team size: 7 employees
Last reported funding: Pre-seed, Oct 2019
Consumer financial health / personal finance automation
2018
FinTech / Financial services
Last reported round listed as Pre-Seed in Oct 2019; some public profiles obfuscate exact amounts