Automated bill pay that has your back.

Otto centralizes your bills and makes smart, automated payments for you –helping you avoid overdrafts, late fees and interest charges.

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“I don’t know about you, but I have too many bills and subscriptions. Otto gives me complete visibility over all of it and I haven't missed a payment in over 6 months!"

Josh S.

“I've been using Otto to track, pay, and manage my bills for months now and I've easily saved over $100 in late fees, overdrafts, and interest charges. If you've got bills (who doesn't), you can use Otto!”

Mike W.

“I love using Otto Cards. Besides the obvious protection of my debit card, it’s like having a personal assistant that blocks unwanted transactions from happening (aka that 7-day free trial you forgot to cancel).”

Lauren T.

“I don’t know about you, but I have too many bills and subscriptions. Otto gives me complete visibility over all of it and I haven't missed a payment in over 6 months!"

Josh S.

“I've been using Otto to track, pay, and manage my bills for months now and I've easily saved over $100 in late fees, overdrafts, and interest charges. If you've got bills (who doesn't), you can use Otto!”

Mike W.

“I love using Otto Cards. Besides the obvious protection of my debit card, it’s like having a personal assistant that blocks unwanted transactions from happening (aka that 7-day free trial you forgot to cancel).”

Lauren T.

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...

Track, manage, and pay - in one app.

See all your bills, subscriptions, and debt payments in one place. Stay on top of what's due and make payments without visiting multiple websites.

A secure wallet for all your bills.

Enjoy a fast, secure, and convenient bill payment experience that helps protect you from overdrafts, late fees and interest charges.

A Safer Way to Pay

Almost 50% of Americans have experienced fraud. Otto's Virtual Cards are a powerful way to pay more securely and privately.

Real People, Real Support

We know how important your bills are. That's why Otto has fully-trained professionals standing by to help you out 24/7, 365.

Pay on your schedule, not theirs.

Tired of bills that hit on inconvenient dates? We get it. Our OttoPay™ system will align due dates to your payday - saving you hundreds in fees and interest charges annually.

But wait, there's more.

Free virtual cards that keep you secure and in control.

The Safest Way to Pay

Protect your wallet from overdrafts and fraud by using a virtual card instead of your debit card.

Control Spend

Card controls can stop unwanted charges and save you $$$.

Free Trial Cards

Take advantage 
of free trials without the fear of getting charged later.

Stop stressing about bills. Automate them with OttoPay.