A £300 virtual Mastercard built on Islamic finance principles — no interest, no hidden fees, one transparent flat charge. Use it anywhere, on anything, repaid over three simple instalments.
Get a virtual card the moment you're approved. Works anywhere Mastercard is accepted.
First payment 30 days after funds received, then two more equal monthly instalments of £100. Simple, no surprises.
Spend anywhere Mastercard is accepted — no category lock, no restricted list.
Just £36 on a £300 credit limit, agreed upfront. No interest, no rollovers, no late surprises.
Quick eligibility check, no lengthy forms. If approved, your Panda card is ready right away.
Early product preview — screens in active development.
Your available balance, upcoming instalments and recent spend, front and centre.
Find where to spend it, filtered by what matters to you.
Full visibility on what's due, and when — no surprises.
Four commitments that hold regardless of where or how the card is used.
Panda charges a single flat service fee — never compounding interest on the balance carried.
One fixed fee of £36 on a £300 limit, agreed upfront. No hidden charges, no surprises.
No merchant lock, no restricted category list. Use the card anywhere Mastercard is accepted.
Repaid in three equal instalments of £100 every 30 days — simple, predictable, manageable.
Panda is issued on the Mastercard network — accepted wherever Mastercard is taken, on the high street and online, with no merchant restrictions.
Every retailer, restaurant and service that takes contactless Mastercard.
From everyday essentials to the world's biggest online retailers — anywhere Mastercard is accepted at checkout.
Backed by the same global acceptance network used by hundreds of millions of cards worldwide.
Live in the UK. Dubai, the EU, US and Australia are next on the roadmap.
Coming soonStep through exactly what a member sees — from application to a payment confirmed anywhere, on anything.
60-second check, no impact on your credit score.
Instant decision on a £300 Shari'ah-compliant credit limit.
An instant virtual Mastercard, accepted anywhere — no lock.
Tap to pay anywhere, then three equal monthly instalments.
This takes just a moment…
The original. Deep emerald and antique gold.
Softer, quieter, just as principled.
Panda was built around real routines — a coffee catch-up, an online order, a night out with friends — without asking you to compromise on how you spend.
Designed for young Muslims who want the freedom to spend on their own terms, without compromising on their values. First payment 30 days after funds land, then every 30 days after that, across three equal instalments of £100.