Paying bills has never been easier.

Otto is a payments app that centralizes bills and makes smart, automated payments – helping people avoid fees, save money, and stress less. Otto is poised to save consumers hundreds in fees and interest charges annually simply by changing how they pay, in turn, building better financial habits.

We combine intelligent expense tracking with automated payments to take on the heavy lifting, making the whole process seamless for you. 

We start by centralizing all those monthly payments.
‍Otto automatically identifies recurring bills from your credit report and bank statement to bring everything into one view, helping you stay on top of whats due and pay bills without needing to visit multiple websites. Easily track which bills have been paid, which are overdue, and which are at risk. We strive to keep you informed, organized, and up to date.

‍We then automate the tedious activities to help you achieve your goals.Once you have a birds eye view of where your money is going every month, Otto begins crafting you a personalized OttoPay Plan to deliver on your goals without you lifting a finger. Your OttoPay Plan is our way of helping you get debt-free, increase savings, and avoid fees all by making smarter payments.

Your OttoPay Plan is like an automated AI assistant that studies your finances and makes smart, automated payments for you based on your current goals. Our automated program is proven to save customers real money, while empowering them with control and confidence.

Once activated, your OttoPay Plan will move a small amount every couple of days from your checking account into your OttoPay Account, based on your goals, income, and upcoming expenses. Since we have real-time visibility into what your upcoming bills are going to be, we know exactly how much to safely set aside while making sure bills are covered and payments are optimized. 

We start by using the funds in your OttoPay Account to pay down debt in a way that is optimized to save you money and boost your credit score. At any point, you can add additional bills to your OttoPay Plan and we’ll automatically adjust how much we set aside to make sure you’re always covered when bills are due. 

Your OttoPay Plan is always working, so you can set it and forget it. And whenever your finances shift, Otto adjusts automatically, moving less if it needs to. You can always adjust how much we move, too. You can withdraw your funds at any time. They're always available to you.

Your OttoPay account is an FDIC-insured financial account that securely holds your funds until they’re ready to be put to work. When Otto moves funds from your checking account, your funds are stored in your OttoPay account. 

Otto uses those funds to make your additional payments on your debts or directly pay linked bills. You can always adjust how much Otto moves into your OttoPay account, and once they’re posted, you can withdraw them at any time, moving funds back to your checking account.

Otto was designed around simple, proven financial practices that are well known and documented. The problem has always been keeping up with it because it’s always need a lot of manual work. Otto removed the complexity, guesswork and manual intervention by automating this for you. 

If you’re looking to save money, Otto will automatically pay extra towards your highest interest credit cards, saving you money with each payment. If you’re looking for a credit boost, Otto will target the accounts with the highest utlization and make sure you’re lowering those balance to give you a quick boost. 

Our system always adjusts to your habits and goals to make sure you’re always savings money and maintaining a strong credit score.

Otto is not a lender and does not provide any loans or credit cards to help pay off debt. With Otto, you do not need to take on more debt to get you out of debt, we're focused on changing the way you pay through automation that is proven to save you money and get you out of debt fast.

We may, at times, recommend various providers who offer debt consolidation loans if that aligns with your goals and recommendations.

Cheaper than your Netflix or most coffees, Otto charges a simple monthly subscription of $5 a month. For that price, you get everything that Otto has to offer...no paywalls or shielded features.