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The new, good old fashioned KiTTi.

The days of the best man chasing the groom’s mates to get their contribution to a weekend of revelry, a tatty envelope going round the office collecting cash for a colleague’s birthday gift, or a jam jar stuffed with cash in a shared house could well be a thing of the past with the launch of KiTTi, a brand new money management app from Santander.

This is the first app in the UK that brings the good old cash kitty up to date, and allows up to 100 friends to contribute and keep an eye on their money all at the tap of a button. Customers of any UK bank can download the app, quickly and easily set up a KiTTi, invite their friends and get started.

How it works

KiTTI is accessed exclusively through a smartphone app, available on both iOS and Android and users do not need to be an existing Santander customer. The service is available to anyone over 18 with a UK debit card and works in the following way:

KiTTi was jointly developed by Santander with Kalixa, one of the world’s top five payment services providers.

For more information visit @KiTTiApp.


The information contained in our press releases is intended solely for journalists and should not be used by consumers to make financial decisions.

Notes to Editors

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KiTTi and the jam jar device are registered trademarks of Santander UK plc.

Santander UK is a financial services provider in the UK that offers a wide range of personal and commercial financial products and services. It has brought real competition to the UK, through its 1|2|3 products for retail customers and relationship banking model for UK SMEs. As at 31 December 2014, Santander UK was the most switched to bank, attracting 1 in 4 new retail customers. The bank serves more than 14 million active customers with c. 20,000 employees and operates through 921 branches and 66 regional Corporate Business Centres. Santander UK is subject to the full supervision of the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) in the UK. Santander UK plc customers are protected by the Financial Services Compensation Scheme (FSCS) in the UK.

About Us

Banco Santander (SAN.MC, STD.N, BNC.LN) is a leading retail and commercial bank, based in Spain, with a meaningful market share in 10 core countries in Europe and the Americas. Santander is the largest bank in the euro zone by market capitalization and among the top 12 banks on a global basis. Founded in 1857, Santander had EUR 1.43 trillion in managed funds, 12,950 branches and 185,400 employees at the close of 2014. In 2014 Santander made an attributable profit of EUR 5,816 million, 39% more than the previous year.

Media Enquiries

Lara Lipsey Tel: 020 7756 4518 Mobile: 07713 560 209
Andy Smith Tel: 020 7756 4212 Mobile: 07824 473 338

The press office operates from 8.00am to 6.00pm. Outside of these hours please call 0800 5877708.

KiTTi product terms and conditions


KiTTi is available to anyone over 18 with a UK debit card. They do not need to be an existing Santander customer and existing Santander customers will have to register like everyone else.


It is possible to register for KiTTi either as a KiTTi Participant (whereby you can just pay into others’ KiTTis) or a KiTTi Owner, which means you can create your own KiTTis and spend the money using your KiTTi Card.

Structure of the product

A KiTTi Owner can open up to 12 KiTTis and all 12 sit behind a single KiTTi Card. Money can then be moved from a KiTTi to the Card and back again, for free, as and when needed.

To invite friends to join a KiTTi, a KiTTi Owner would add them in the app via their phone number, at which point they would receive an SMS invite.

Ownership of money

Within any KiTTi, only the KiTTi Owner legally owns the money. So, when a Participant pays into the KiTTi, they are effectively giving the Owner that money, just like cash.

Fees, limits and restrictions

About us

Kalixa is one of the world’s top five payment services providers, based on capability and range of payment options. With its single payments platform, the Kalixa payments group provides merchants of all sizes with omni-channel payments from one supplier. It delivers value to customers by reducing costs, eliminating complexity, boosting operational efficiencies, creating new revenue streams and delivering a seamless, intelligent and frictionless payments experience across multiple channels. This means Kalixa has a solution for every part of the payments chain, allowing merchants to “Plug & Play” and “Mix & Match” exactly what they need from one payments partner. Kalixa also provides Issuing, Acquiring, Fraud and Risk to Multi Channel Gateway services. The Kalixa group has an addressable market of more than 100 countries. It has over 200 employees internationally and offices in UK, Vienna and New York. More information: