How you earn
Up to £5/month in Rewards plus European travel insurance, phone insurance and fee-free spending abroad.
- £4/month for 2+ Direct Debits.
- £1/month app login.
- 1%+ at partner retailers.
- From 1% back in Rewards at partner retailers.
- Pre-existing conditions not automatically covered.
- 2+ Direct Debits for the monthly Reward.
- Fee rises to £12/month and the £1 app-login Reward disappears on 1 October 2026 — time-sensitive content angle.








