Pay bills and build credit.

Manage all your bills and subscriptions in one place and pay with secure virtual cards that shield your real account and build your credit score.

No credit check. Works with your bank.
Just $7.99 /month.

Coming soon to Google Play & App Store
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Otto works with thousands of providers to help you pay for the services you love and the bills you can't live without.

And many more...

Get credit for every bill you pay

Use your virtual Otto Mastercard to pay all your bills and subscriptions and we’ll report each payment to credit bureaus to build and grow your credit history.

AT&T

$90.00 on Nov 3rd

Paid
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Xfinity

$110.00 on Nov 12th

Paid
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Hulu

$65.00 on Nov 23rd

Coming Up

Monthly Total

$ 265.00

Weekly Transfers

$ 66.25

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Weekly payments for all your bills

Set money aside once a week to cover any upcoming bills and increase the rate in which your credit score can improve.

The safest way to pay online

Create a protective layer on top of your existing bank account by using Otto virtual cards to pay bills and safeguard your money.

Protect your wallet with Virtual Cards

A protective layer that sits on top of your existing bank account.

Eliminate fraud and hidden fees with powerful card controls.

Custom limits with instant alerts help you stay on budget.

How OttoPay works

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions that Otto can pay.

Pay with a virtual card

Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Build credit

Set money aside once a week for bills and Otto will report every payments to the credit bureaus to grow your credit score.

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions that Otto can pay.

Pay with a virtual card

Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Build credit

Set money aside once a week for bills and Otto will report every payments to the credit bureaus to grow your credit score.

All this and more for just $7.99 a month.

Expense management
Unlimited virtual cards
Build credit with bills
Cash back rewards
Get Started

Our members agree, it’s a no-brainer.

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

Frequently asked questions.

How does Otto work?

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First, you connect your bank account with Otto and we'll do the hard work to identify your income and all your monthly payments.


You then select the bills and subscriptions you want Otto to manage, and we'll instantly create you a virtual payment card that you use to pay that biller. If you have a bill that is due today, we may require you to make a small deposit if the amount is greater than your current spending limit. 


The best way to use Otto is to create a virtual card, add it into the biller, then set that bill to autopay (most subscriptions will default to autopay so no worries there). 


At the end of each month, we add up all of your bill payments and report them to the major credit bureaus (all 3!) to help build your credit!

And there you have it, bills that build credit. ✨

Is Otto a credit card?

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Nope! Credit cards require hard inquiries on your credit score and come with high interest rates to keep you in debt.

Otto is a brand new bill payment experience that gives you a virtual card for every bill and allows you to build credit with the bills and subscriptions you're already paying! 

Not just that, we also help smooth out those payments to align with your personal income and cash flow. Otto may also help cover those small gaps when a bill might be higher than expected or when you need a couple extra days to pay.


Think of us as a personal assistant that works with your bills and subscriptions services to make sure they only charge you on the days that work for YOU, all while automatically building you positive credit history.

How much does Otto cost?

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Most credit-building products make money from steep interest rates, hidden fees, and by selling your personal data.

At Otto, we don't think that's right. That's why we charge a flat monthly subscription instead. Just $7.99 /month!

This way you can focus on building credit and working towards long-term goals with the money you actually have, without worrying about things like data mining, steep interest rates, or hidden fees.