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

“Spending normally while gaining cashback makes me feel like every penny counts.”

For Yaseen, investing has never been the barrier. He already puts aside around £1,500 each month into an investment app and has tested platforms for crypto cashback. What Kaldi has given him is something different, though. He sees it as a way to turn his everyday coffee stops into a quiet but steady contribution to his future.

Rather than chasing big wins, Kaldi has shown Yaseen how even the smallest amounts can grow over time when they’re automatically invested.

Discovering Kaldi

Yaseen first came across Kaldi in February 2025 while searching online for new investing platforms. What caught his eye wasn’t necessarily the cashback – it was Kaldi’s clear mission to improve financial literacy in the UK. He was impressed by the straightforward educational content on the website, which felt more approachable than most finance brands.

“The UK really lacks financial literacy,” Yaseen explains. “What I liked about Kaldi is that it’s not just an app, but that it’s trying to educate people and make investing understandable.”

Onboarding was smooth, and Yaseen quickly began using Kaldi with his regular coffee shop stops at Starbucks and Costa. “The ease of finding retailers and spending to get money back” is what he values most, along with the automation that directs cashback into investments without him having to think about it.

Cashback in action

Whether it’s a coffee stop or a grocery shop, Yaseen’s purchases now generate cashback that’s instantly invested. It may feel like spare change at the time, but over months and years it becomes a meaningful addition to his savings.

If he keeps using Kaldi for his weekly shop and love of coffee, with his cashback invested into a higher risk index fund it could mean:

*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 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.

The numbers show how spare change from everyday purchases can quietly build up in the background without the need to take any action.

For Yaseen, Kaldi isn’t designed to replace his main investing habits. Instead, it’s a simple way of adding something extra on top and turning the money he’d spend anyway on coffee or groceries into a growing contribution to his future.

The Kaldi experience

Getting started with Kaldi was straightforward for Yaseen. What stood out most was how effortless it felt to invest, from finding retailers to watching cashback flow automatically into his account.

“Being able to set up an automated investment when I reach a certain point is a big plus,” he says. “Automation is key for me.”

What stands out for Yaseen is how Kaldi makes saving feel effortless. Cashback flows straight into investments without him needing to act, which reinforces the sense that “every penny counts as you are saving without realising”, he says.

Get yourself some Kaldi

Yaseen describes Kaldi as “an appealing and intuitive app that helps you to understand investing.” He sees the mission as one of education, helping people take their first steps into investing in a way that feels accessible. For him, the biggest benefit is being able to spend as usual while turning everyday purchases into invested savings.

Looking ahead, Yaseen hopes Kaldi will continue to grow its retailer network and add more educational content directly into the app. But even in its current form, he says he’d recommend it to others, especially for the automated investing feature that makes good habits easy to build.

“I’d tell friends it’s a great platform for cashback and the automated investing makes it really appealing,” Yaseen says.

For Yaseen, that automation is what transforms small, everyday spending into something that steadily contributes to his future.

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.