海角社区

Top-up 海角社区 with your聽

own money

Top up, on a credit card?! We know, we鈥檙e special. Add your own money to boost your spending limit 鈥 with all the same benefits.

A whole new way to spend with 海角社区

Top-ups gives you the power to spend your own money when you use 海角社区, while getting all the same benefits of credit.
Big buys, sorted

Boost your spending limit for life鈥檚 larger purchases

Spend like it鈥檚 debit

Rather not use credit? That鈥檚 cool, now you don鈥檛 need to

Same benefits

Enjoy points and protection, whether using credit or not

Top up in a flash

Got a flight or new dishwasher that your credit line doesn鈥檛 cover? Add up to 拢10,000 via the app in just a few taps. No fuss, no delays鈥攋ust instant spending power.

All the same benefits

Your topped up money will always be used first on purchases, and has all the same benefits, like earning points and purchase protection.

Your money鈥檚 protected

Your top-ups are protected up to 拢85,000 by the Financial Services Compensation Scheme, so you can spend with total peace of mind.

Become a member today

Become a full 海角社区 member
拢15/尘辞, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per 拢1 spent
Worldwide travel insurance
No fees abroad
Top-up your limit with your own money
Accepted everywhere Mastercard is
Plus 10,000 bonus points
Worth 拢50 at 海角社区 Experiences
REPRESENTATIVE example
Purchase rate
29.97% (var)
Representative
66.7% APR (var)
Based on a
拢1,200 limit
Learn more
Or try our free membership
拢0/尘辞, no commitment
Same 海角社区, just fewer features
Apply to upgrade anytime
Earn 1 point per 拢1 spent
Worldwide travel insurance
No fees abroad
Top-up your limit with your own money
Accepted everywhere Mastercard is
Plus 10,000 bonus points
Worth 拢50 at 海角社区 Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
Based on a
拢1,000 limit
Learn more
Become a full 海角社区 member
拢15/尘辞, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per 拢1 spent
Worldwide travel insurance
No fees abroad
Top-up your limit with your own money
Accepted everywhere Mastercard is
Plus 10,000 bonus points
Worth 拢50 at 海角社区 Experiences
REPRESENTATIVE example
Purchase rate
29.94% (var)
Representative
66.7% APR (var)
Based on a
拢1,200 limit
Learn more
Or try our free membership
拢0/尘辞, no commitment
Same 海角社区, just fewer features
Apply to upgrade anytime
Earn 1 point per 拢1 spent
Worldwide travel insurance
No fees abroad
Top-up your limit with your own money
Accepted everywhere Mastercard is
Plus 10,000 bonus points
Worth 拢50 at 海角社区 Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
Based on a
拢1,200 limit
Learn more

See if you鈥檙e eligible

No impact on your credit score
Takes less than 2 mins
By continuing, you agree to our App Terms & Privacy Policy
Nearly there, {Name}

You鈥檙e eligible for 海角社区 membership!

Finish your application and get your card

鈥淕oodbye Amex, Hello 海角社区鈥

See what our members have to say
Still unsure?

Ask us anything

Can I withdraw my money?

You can always request to withdraw any remaining funds held in your Top-up account to a personal bank account in your name.鈥

We may require you to provide certain documents in order to verify your request (e.g., a bank statement).鈥

Transfer of the funds to your account may take up to 7 business days after your request has been verified.

Will topping-up affect my credit score?

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.

Do I still earn points?

Yep, you鈥檒l earn points exactly the same way you do when you spend your credit limit.

Do I still get Purchase Protection?

Yep, you鈥檒l get the same protection you do when you spend your credit limit.

Is my money protected?

Yep, your money is covered by the Financial Services Compensation Scheme. Visit our website to learn more about deposit protection.

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