Top-up with your
own money
A whole new way to spend with
Boost your spending limit for life’s larger purchases
Rather not use credit? That’s cool, now you don’t need to
Enjoy points and protection, whether using credit or not
Top up in a flash
All the same benefits
Your money’s protected
Become a member today
See if you’re eligible
You’re eligible for membership!
“Goodbye Amex, Hello ”
Ask us anything
You can always request to withdraw any remaining funds held in your Top-up account to a personal bank account in your name.
We may require you to provide certain documents in order to verify your request (e.g., a bank statement).
Transfer of the funds to your account may take up to 7 business days after your request has been verified.
Adding your own money to your account won't change your credit limit or our reporting to credit bureaus.
Your credit score relies on many factors but topping up your account with your own money will not negatively impact your credit score.
Yep, you’ll earn points exactly the same way you do when you spend your credit limit.
Yep, you’ll get the same protection you do when you spend your credit limit.
Yep, your money is covered by the Financial Services Compensation Scheme. Visit our website to learn more about deposit protection.