Now open for early access
Welcome to

Panda
Credit for
nights out.

The UK's first MCC-locked hospitality credit card built exclusively for 18–30s. Get up to £1,000 to spend at restaurants, bars and cafés. One flat fee. Repay in three easy instalments.

£300–£1k Credit limit
12% Flat fee
3× Payments
60s Approval
Join the Waitlist How it works
Panda
panda
Credit built for going out
See Panda in action
500+ students on the waitlist
LSE · Manchester · Salford · Strathclyde · QMUL
No interest — ever
Nando's · Dishoom · Wetherspoons · thousands more
12% flat fee — nothing else
SEIS & EIS Approved
Virtual Mastercard · instant
FCA regulated credit
500+ students on the waitlist
LSE · Manchester · Salford · Strathclyde · QMUL
No interest — ever
Nando's · Dishoom · Wetherspoons · thousands more
12% flat fee — nothing else
SEIS & EIS Approved
Virtual Mastercard · instant
FCA regulated credit
What is Panda

The credit card built
for going out.

Panda is the first financial product designed exclusively for hospitality spend — restaurants, bars and cafés. Not shopping. Not bills. Just going out.

💳
£300–£1k

Hospitality credit

MCC-locked Mastercard. Works only at restaurants, bars, cafés and nightlife. Physically can't be misused.

💷
12%

Flat fee only

One fixed fee on what you borrow. No compound interest, no late fee surprises, no revolving balance.

📅
3×

Equal payments

Three equal monthly instalments. First payment 30 days after funds received. That's the whole deal.

⚡
60s

Fast approval

Quick affordability check — not just your credit file. Built for 18–30s that traditional lenders ignore.

Made for hospitality

Spend more of what you love,
on your terms.

Panda gives you up to £1,000 to spend wherever you enjoy life most — paid back in simple instalments.

Panda in action
💳

£300–£1,000 virtual Mastercard — instantly

Get a virtual card the moment you're approved. Works anywhere Mastercard is accepted in hospitality.

📅

Pay it back over 3 months

First payment 30 days after funds received, then three equal monthly instalments. Simple, no surprises.

🔒

Locked to hospitality spend only

Your card works exclusively at restaurants, cafés, and bars — so it stays in your lifestyle budget, always.

✅

One flat fee — no hidden costs

Just a 12% one-off fee on your credit. No interest, no rollovers, no late surprises. What you see is what you pay.

⚡

Apply in minutes, spend today

Quick eligibility check, no lengthy forms. If approved, your Panda card is ready before your next night out.

Accepted everywhere you go

Nando's
Dishoom
Wetherspoons
Zizzi
Boxpark
Wagamama
Turtle Bay
Pizza Express
All Bar One
Brewdog
Leon
Pret a Manger
The Ivy
Byron
Franco Manca
Honest Burgers
Five Guys
Rosa's Thai
+ any hospitality venue
How it works

From waitlist to dinner
in four steps.

1

Join the waitlist

Sign up in under 60 seconds. No credit check required — early members get first access.

2

Get approved

Quick affordability check — not just your credit file. Built for the 18–30s traditional lenders ignore.

3

Spend at venues

Your virtual Mastercard is ready instantly. Tap at any restaurant, bar or café across the UK.

4

Repay over 3 months

Three equal payments. First one 30 days after funds received. One flat 12% fee — that's everything.

80%
of students surveyed
would actively use Panda
500+
students on the waitlist
across 20+ UK universities
£93bn
UK hospitality market
annually
94.8%
of surveyed students
want early access
Limited early access

Your table is waiting.

Join 500+ students already on the waitlist. Early members get first access, exclusive perks, and the chance to become a Panda campus ambassador.

Join the Waitlist — It's Free

Under 60 seconds · No credit check to join · 18+ · UK residents only