While the following content is intended to be educational, it does contain promotional material for Kaldi.

“An innovative way to get cashback for everyday purchases that you can actually use.”

When Peter Camilleri downloaded Kaldi, he wasn’t looking for a crash course in investing. At 51, the Hertfordshire-based health and social work professional already had a well-established investment routine, putting £500 a month into a Stocks and Shares ISA.

Unlike some users who discover Kaldi as their first step into investing, Peter came to the app with experience and a healthy curiosity about how it might fit into his existing financial habits.

A smooth start

Peter first came across Kaldi earlier this year and was intrigued by the idea of an app that combined instant cashback with optional investing. Getting started was simple, and in his words, “super smooth” – exactly the kind of frictionless experience that encourages repeat use.

Everyday cashback that “all adds up”

Peter was most struck by the cashback element. His top brands are those most of us use week in, week out: Sainsbury’s for the weekly shop, plus Apple and Google Play for subscriptions. Each transaction might only deliver around 38p in cashback, but over a month that adds up to an average of £9.62.

“It all adds up whenever you use it,” Peter explains. “Especially on the weekly shop.”

What makes Kaldi stand out for him is the flexibility. Cashback isn’t tied to a single retailer or locked in points. It’s instant, and he can choose what to do with it. That freedom, combined with the range of brands available, makes it feel like an everyday benefit rather than a gimmick.

The long-term view: cashback vs. compounding

To see the potential of Peter’s weekly shop savings, if he keeps investing £9.62 a month in cashback, into a higher risk index fund it could turn it into:

All investments carry risk, including the risk of loss of capital. Past performance is not indicative of future results.

*Figures shown show a range of possible outcomes based on historical performance of Vanguard LifeStrategy 100% Acc fund. Please go to kaldiapp.co.uk/example-fund for more information on this calculation. Total returns are listed after fees. The figures shown are only illustrative, based on certain assumptions, and they’re not a guarantee of future performance. The value of investments can fall as well as rise, and it’s possible to get back less than you put in. Still, they help to show how spare change from everyday purchases can quietly build up in the background without any extra effort.

By 20 years, a large amount of the total pot comes from growth rather than the cashback itself. It shows how even small, regular amounts can build into something meaningful over time.

A different role to play

Kaldi isn’t a replacement for Peter’s existing trading strategy. Instead, it plays a complementary role, taking the spending he already does and making sure none of it goes to waste. The value lies in turning small, everyday purchases into something that quietly builds in the background.

Recommendations and reflections

Would he recommend Kaldi to others? Absolutely, particularly for the cashback. “It’s instant and flexible,” Peter says. Compared to other platforms, where rewards can be locked with the retailer or delayed, Kaldi stands out for immediacy and choice.

He also appreciates the approachable branding. Unlike a traditional bank, Kaldi feels lighter and more playful. Peter even has creative suggestions: bring back the Kaldi Mascot, and make him seasonal – a tennis ball during Wimbledon, a football during the World Cup.

The Kaldi difference

For Peter, the app isn’t about transforming his financial life overnight. It’s enhancing what’s already there. By giving him cashback that’s instant, flexible and easy to reinvest, Kaldi has slotted naturally into his weekly routine.

Even a modest £9.62 a month can compound into a five-figure sum over time. That’s the beauty of Kaldi’s approach, according to Peter. It doesn’t ask you to overhaul your spending or your investment habits. It simply turns the everyday purchases you’re already making into a steady, long-term benefit.

As Peter puts it: “It all adds up.”

Find out how Kaldi can work for you. Download the app.

It’s important to remember that while Kaldi provides tools to help you invest and diversify, we don't offer personal financial advice. The value of your investments can go up or down, and you may get back less than you put in. If you're unsure about investing or your personal financial situation, it's best to seek advice from a qualified financial advisor.

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