full
debit card
Our points-packed, perk-stacked debit card
Get £10 back on your first spend, earn 4x more points, and unlock premium perks like flights, travel insurance and more.
1 mo free, then £15/mo. Cancel anytime
18+ and UK only. T&Cs apply.
Our Full Debit Card, at a glance
4x
points
4 points for every £1 spent
Worldwide travel insurance
Use points on any flight
Use points for cashback
Plus
Everything from our Free Debit Card
Plus your welcome offer
£10
Get £10 off your first buy
+10,000
points
When you spend £1,000 in 30 days
And your first month free worth £15
Earn 4x points to use on dining, shopping, and travel you’ll actually love.
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
(Just some member favourites, past and present)
Points that don’t collect dust. Just good times.
Free Debit Card
monthly spend
£1,500
each year get either
Dining
+£342
Shopping
+£414
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Airport Lounges
+£270
Entertainment
+£360
Flights
+£144
Cashback
+£90
Based on maximum redemption rates on our Free Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
32.0%
 APR var.).
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
65.4%
 APR var.).
Actual value varies by reward and how you redeem.
Worldwide family travel insurance
worth £275 each year
Things gone belly-up in Barcelona? We’ve got you covered. Terms apply.
Car Hire Excess
Up to £3,000
Winter Sports
up to £500
Cancellation
Up to £7,500
Medical Bills
up to £1m
Easily add and withdraw money in just a few taps
You’ll get an account number and sort code to directly transfer money from any UK bank
Payment received!
+£200
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your Ï㽶´«Ã½ card.
Compare our debit cards
Features
Free
full
Points Per £1 spent
1x
4×
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
£15
*When you spend £1,000 in your first 30 days
All the fancy features you’re used to…
Top-notch in-app customer support
Spend breakdowns
Seamless withdrawals
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you’ve never seen before…
Swipe to use your points
Send points to friends on Ï㽶´«Ã½
Still unsure?
There are no stupid questions
So, what actually is Ï㽶´«Ã½?
Our marketing team call it a “financial membership†but you can think of us like Monzo and Amex had a baby.
Is it a Mastercard?
Yep. We run on Mastercard, so we’re accepted at over 44 million locations around the world. Unlike some cards...
What is the new member welcome offer?
Joining Ï㽶´«Ã½ comes with a few perks. Namely, a faster way to earn rewards (and a little something to make your first spend feel extra good). Get £10 off your first eligible Ï㽶´«Ã½ purchase, whether you’re on debit or credit. Terms apply, read the .
Is Ï㽶´«Ã½ a bank?
No. But we’re a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
Compare our debit cards
Free
full
Important information
Monthly fee
£15
Cancel anytime
£200/mo in free cash withdrawals
Welcome points*
1,000pts
10,000pts
rewards
Per £1 spent
1pt
4pts
Per £1 spent at Experiences  (Up to)
5pts
20pts
% Back at Experiences  (Up to)
0.5%
2%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Send points to friends
In-app customer support
Award-winning app
Powered by Griffin
*Welcome points are earned when you spend £1,000 in your first 30 days
Earn up to 10,000 welcome points!
Welcome points are earned based on your spend in the first 30 days:
Spend £200
+2,000pts
Spend £500
+3,000pts
Spend £1,000
+5,000pts
For new members only.
Get £10 to spend on almost anything
Joining Ï㽶´«Ã½ means unlocking the good stuff from day one. As a welcome, we’ll cover your first eligible £10 spent on your Ï㽶´«Ã½ card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 30 days.
For new members only. .