A woman at a restaurant table pointing at the Kiven app on her phone

A man leaning on a red wall in the sun, phone in hand

Four friends laughing under a clear blue sky

A man in a suit smiling at his phone at dinner

Your credit, in one place.

Bills, cards, payments, limits, and score across every provider. Handled and improving.

Get Kiven See how it works

4 minto set up

Every providerin one view

0hidden fees

Kiven is an app that brings your credit into one place.

Bills.Cards.Payments.Limits.Score.

Every provider, one view, one set of controls. Others show you the work. Kiven does it, and hands back the time, money, and confidence it was costing you.

Kiven home screen: all your cards, one place

Kiven app: a plan that actually fits, pay on your payday

Kiven app: pay on your payday, built on your trust

Kiven app in Spanish: seguro, confiable y regulado

The screen changes as you scroll.

One view

All your cards. One place.

Balances, statements and due dates from every card you hold, together on one screen. Updated the moment something changes, in language you can read once.

Set up in 4 minutes

A plan that fits

Turn what you owe into a plan you can read.

Pay down a balance with Kiven and get more room to spend. Clear instalments, the dates and the total shown before you say yes. No surprises after.

See how it works

Your rhythm

Pay on payday.

Set repayment dates that match the days you get paid. Kiven keeps the next date and amount visible, reminds you before it is due, and stays quiet the rest of the month.

Pick your dates

Built on trust

Clear terms, secure data, real support.

Kiven is a regulated SOFOM, supervised by CONDUSEF. Your data is encrypted, every term is stated before you accept anything, and a real person answers when you need one.

Read the common questions

What Kiven does for you

Your whole credit life in one place, and headed somewhere better.

Everything in Kiven is built around one outcome: more room in your month, fewer surprises, and decisions that stay yours.

Get the highlights.

Room to spend

Free up your credit.

Pay down your balance with Kiven and get more room to spend.

No surprises

Every number, before you say yes.

Amount, dates and total cost shown up front. Nothing hidden, nothing to decode.

A plan that fits

A plan that actually fits.

Turn what you owe into clear, custom installments with no surprises.

Cards

Compare cards, then apply.

See offers from multiple banks side by side, and apply in one place.

One view

All your cards in one place.

Balances, statements, and due dates, all at a glance.

Trust

Built on trust.

Clear terms, secure data, and real support whenever you need it.

Your rhythm

Pay on payday.

Set repayment dates that match your paydays.

Coming next

Rewards worth having. And the Kiven Card.

Cash back, points, and offers tailored to how you spend. Our own card, built around your whole credit life.

Coming soon

Everything your credit life needs. One profile.

A woman in a green sweater holding up a Kiven card against a blue sky

1 profileApply across 12 banks

Access opens all at once, not one form at a time.

Apply once. Kiven takes your profile to participating banks and brands, shows what each will offer, and tells you which one is actually better for you.

One application, offers from multiple banks side by side
Real limits and real rates, not indicative ranges
Manage every card you already hold in the same view

Apply once The Kiven card

A man in a suit checking the Kiven app at dinner

712 ↑ 14Since March

Your score, and what is already moving it.

Kiven shows the number, the three factors behind it, and what it has done this month to strengthen your record. No red flags. No guilt.

Updated monthly, free, never affects your score
Direction of travel, not the size of the mountain
Alerts only when there is a decision that belongs to you

Check your score What moves a score

A woman in a blue tracksuit showing the Kiven app

6 paymentsDates shown up front

A plan that actually fits.

Turn what you owe into clear, custom instalments with no surprises. Kiven pays down the balance, you follow one schedule, and the room on your card comes back as the bank posts the payment.

Amount, dates and total cost shown before you accept
Repayment dates that match your paydays
One schedule for everything you owe through Kiven

See your plan How it compares

The Kiven app on a phone next to a coffee cup

$412.00Cashback this year

Rewards built around what you already buy.

Cashback, points, and personalised offers across your cards, paid as a number to your account. Nothing to activate, nothing to remember.

Cashback on groceries, fuel, and travel
Offers matched to real spending, not to a marketing calendar
Points from every provider, counted in one place

See your rewards Which cards earn

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4 accounts3 providers, 1 view

One place for everyone else.

Kiven is designed around your full reality, not only the products Kiven issues. Connect the bank, the cards, and the store account. See them as one credit life.

Bank-grade connections to your existing providers
Balances, limits, and due dates refreshed daily
Move, close, or consolidate from the same screen

Connect your accounts Supported providers

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The first of the month should be uneventful.

Kiven handles the mechanics in the background, so the month goes where you want it to go.

Get Kiven How it works

What Kiven does differently.

Four differences that separate Kiven from every other tool in the category. And a few more things you will notice on day one.

A woman holding up her phone with the Kiven splash screen

Solve the whole picture.

Bills, balances, limits, payments, and score treated as one connected credit life.

Connect everything

Work across providers.

Designed around your full reality, not only the products Kiven issues.

See supported banks

4 min

To set up.

Warm, brief, and free of jargon.

Hidden fees.

Every number stated before you say yes.

Clear what is owed.

Credit structured to create progress and room.

See your plan

A woman smiling at her phone in front of a blue wooden door

Give life back.

Kiven succeeds when it removes attention.

Go live your life

Real people on support.

Immediate and human. We start by looking at the issue, not by performing an apology.

Common questions

Handled in three steps.

Then Kiven gets out of the way.

Step 1

Connect what you already have.

Banks, cards, store accounts. Kiven brings them into one view with bank-grade connections. About 4 minutes.

Step 2

Kiven handles the mechanics.

Payments scheduled on time. Limits requested when your record is ready. Rewards counted. Score strengthening in the background.

Step 3

You keep the decisions.

When there is a real tradeoff, Kiven presents it plainly. You make the call. Then you close the app and go live your life.

Get Kiven Common questionsSetup: 4 minutes. Attention after that: as little as possible.

Capable people. Complicated credit lives.

Marcus, 28, Manila

Three cards on three different dates, none of them connected. Now one view and a realistic path to a stronger score.

Sofia, 34, Mexico City

Three payments on three schedules. Now one date, plain language, and confidence in the next decision.

Rajan, 31, Bangkok

Rent, a car payment, and cards starting to create drag. Now one clear plan, with headroom for bigger moves.

Amara, 31, Lagos

Paid across four markets, with fees and apps that never matched. Now consolidated, predictable, and off her mind.

Yuki, 46, Kuala Lumpur

Property, accounts, and family obligations across two countries. Now handled reliably, with trust earned month by month.

Two friends sitting on a rooftop at golden hour

You, next month

Everything scheduled. Nothing needed from you.

Get Kiven

Real people

See how people are using Kiven.

See how Kiven is bringing a better balance into people’s lives, one month at a time.

Your whole credit life, one day in your own name.

The Kiven card is coming. One card, backed by the profile Kiven already keeps strong, with rewards counted in the same place as everything else. Leave your email and we will tell you the date.

On your side, without taking the wheel.

No hidden fees, no moving goalposts, no disappearing support. Kiven treats you as a capable adult who deserves the full picture, the real number, and an honest tradeoff.

Get Kiven Common questions

No. Kiven is a credit management app and credit specialist. It connects to the providers you already use, and issues some products of its own. Your money stays where it is.

No. Kiven uses a soft check. You can look as often as you like; it is updated monthly and it is free.

The app is free. Instalment plans state their rate and total cost as a number before you accept anything. There are no hidden fees.

Kiven explains what happened, what it already did, and what comes next. No alarm, no judgment. Where it can, it reschedules or covers from your Kiven line so your record stays intact.

Major banks, card issuers, car finance, and store credit in every market where Kiven is live. New providers are added every month. If yours is missing, tell support and we will say when.

Connections are bank-grade and read-only unless you authorise a payment. Kiven never sells your data and never uses it to manufacture urgency.

Go live your life.

Your credit, in one place. Set up in 4 minutes. Then close the app.

Downloadthe Kiven app

Get it onGoogle Play