Unlock up to £900 cashback* a year with bYond card^

You can use your bYond card at any of our participating retail partners—and earn cashback every time you shop! With 85+ brands and thousands of locations, there are plenty of ways to save.

The full list of retailers and cashback rates is available in your account. Log in regularly to stay up to date, as partners and offers can change. We also run exclusive promotions for bYond cardholders, so keep an eye out!

To check the latest list:

• Visit the Retailers page on our website or app when logged in.
• Search by retailer, sort by category, and view any exclusions.
• On the app, click on the retailer to see any exceptions

Website:

App:

If you can’t find the answer you’re looking for, we’re here to help.

• For urgent issues: Please call us so we can resolve your problem as quickly as possible.
• For general queries: Fill out our contact us form with as much detail as possible, including your 9-digit card ID, so we can assist you efficiently.
  Important: Never share your full 16-digit card number or CVV.

Contact Us Form
[Click here to complete our contact form]

We aim to respond within 48 hours. Please include all relevant details in your message, including your card ID.

Phone:
0344 879 1064
Our phone lines are open 8am to 8pm, Monday to Sunday, excluding Christmas Day, Boxing Day, and New Year’s Day.

To receive your bYond card and complete your account setup, you may need to pay an annual membership fee of up to £5. We’ll let you know during registration if this applies to you.

What Is the Fee For?

The annual fee helps us provide a high-quality service and includes:

• Access to exclusive cashback* offers that help cardholders earn an average of £250+ per year
• Coverage of card and account costs
• Ongoing improvements to keep cashback deals relevant and valuable

Is It Worth It?

Absolutely! Most users earn back the fee within their first few transactions. After that, every purchase helps you save more. Our cashback offers cover everyday spending at some of the UK’s biggest retailers—making your money go further.

How Do I Pay the Annual Fee?

• Your first fee is paid during registration
• After that, the fee is deducted from your card balance each year

Don’t Want to Pay the Fee?

No problem! You can contact us to cancel your account at any time. If you change your mind later, you’re welcome to come back.

bYond is a workplace benefit provided by your employer, designed to help you save on everyday spending. It’s a Mastercard® prepaid card that gives you access to over 85 online and high street retailers. Every time you use your bYond card, you earn cashback*.

* Cashback means you get a percentage of the amount you have spent credited to your Vault balance. Cashback will be in a pending status for 30 days, after which it will transition to paid and we will add it to your Vault balance.

Cashback is a great way to earn money back when you spend with your bYond card at one of our partner retailers. Each retailer offers a specific cashback rate—usually a percentage of your purchase amount.

You can view the cashback rates in your online account either on the website or the bYond app under the Retailers section.

Here’s how it works:

1. Use your bYond card at a participating retailer.
2. Once your transaction settles, we’ll show you how much cashback you’ve earned.
3. Your cashback will appear as pending for 30 days, then it will be added to your Vault.
4. From your Vault, you decide when to transfer it to your card balance and use it toward your next purchase!

If you’d like to cancel your card completely, please contact us.

• Within 14 days of receiving your card: Cancellation is free of charge.
• After 14 days: An administrative cancellation fee may apply.

You have the right to redeem any remaining balance on your card. We can arrange to transfer this to your bank account, but you’ll need to provide a copy of a bank statement to ensure the funds go to the correct person and account. A fee may also apply depending on the circumstances. For full details, please refer to your card terms.

If you’re considering cancellation, we’d love to hear your feedback so we can improve our service. Please share your thoughts via our Contact Us form.

To access your account through the website or the bYond app, use the username and password you created during registration.

• Forgot your username? Click here to learn how to retrieve it.
• Forgot your password? Click here to view the FAQ on how to reset it.

Website Login

• Enter your Username and Password
• Click Log In

• Enter the OTP sent to your mobile and click Login

App login:

Depending on your settings, you’ll either enter a one-time passcode or use Face ID if facial recognition is enabled.

• For facial recognition: Tap the icon to log in automatically.
• If facial recognition is turned off: Enter your username and password, then click Log In

• If you entered a username and password you'll receive an SMS one-time passcode. Enter the code and click Log in

You have two options to add money to your card:

1. Through your employer

If you’ve chosen to allocate part of your salary to your card, your employer will transfer those funds to us on or around payday. We’ll then load them directly onto your card.

2. Top-up via debit card

If available, you can also add money using a debit card through our website or mobile app.
Click here to see step-by-step instructions for topping up with a debit card.

1. Click Withdraw on the Homepage under My Vault

2. Enter the value you want to move to your card balance. The maximum you can withdraw is your current Vault balance. When you select Withdraw, we’ll instantly transfer the amount to your card balance, ready for you to spend right away.

On the app:

1. Click on Vault

2. Click on Withdraw from Vault

3. Enter the amount you want to move from your Vault to your Card Balance. Click Continue

4. We’ll instantly transfer the amount to your card balance, ready for you to spend right away. Click Done