Lofto rewards you for every pound you spend. Earn points on rent, mortgage and household bills, then redeem for real rewards.
No credit card required · Free to join
Works with all UK banks
+245 pts
Rent earned
Points Balance
2,450
This month
+340 pts
Rate
1pt/£1
Recent transactions
Rent
Direct Debit
TfL
Transport
Tesco
Groceries
Total earned
12,840 pts
Earn streak
8 months 🔥
Securely connect your bank account in seconds.
Tell us which transactions are your bills and we'll recognise them automatically every month.
Every pound you spend earns points, from the moment you sign up.
Trade your points for real rewards. The more you spend, the more you unlock.
Finally a reward programme for your biggest expenses: rent, mortgage and bills. No credit products, no additional debt; just real rewards for spending you're already doing.
Works with your existing bank account. No debt, no credit check, no risk.
Encrypted end-to-end. We use read-only Open Banking access - we can never move your money.
Rent and mortgage payments have been excluded from rewards programmes for too long. Lofto changes that.
Points are calculated and awarded as transactions come in. No manual logging.
Upgrade tiers as you spend more to unlock better rewards.
Redeem for vouchers, cashback, and exclusive experiences.
Start free and unlock higher tiers to earn points faster on more of your spending.
Rent or mortgage payments only
Rent or mortgage payments only
All purchases
All purchases
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