Top-up Yonder with your 

own money

Top up, on a credit card?! We know, we’re special. Add your own money to boost your spending limit – with all the same benefits.
Try a quick eligibility check

A whole new way to spend with Yonder

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

Boost your spending limit for life’s larger purchases

Spend like it’s debit

Rather not use credit? That’s cool, now you don’t 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’t cover? Add up to £10,000 via the app in just a few taps. No fuss, no delays—just 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’s protected

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

Become a member today

Become a full Yonder member
£15/mo, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per £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 £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
29.97% (var)
Representative
66.7% APR (var)
Based on a
£1,200 limit
Learn more
Or try our free membership
£0/mo, no commitment
Same Yonder, just fewer features
Apply to upgrade anytime
Earn 1 point per £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 £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
Based on a
£1,000 limit
Learn more
Become a full Yonder member
£15/mo, cancel anytime
new member offer
Get 1 month free membership
Earn 5 points per £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 £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
29.94% (var)
Representative
66.7% APR (var)
Based on a
£1,200 limit
Learn more
Or try our free membership
£0/mo, no commitment
Same Yonder, just fewer features
Apply to upgrade anytime
Earn 1 point per £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 £50 at Yonder Experiences
REPRESENTATIVE example
Purchase rate
32.9% (var)
Representative
32.9% APR (var)
Based on a
£1,200 limit
Learn more

See if you’re eligible

No impact on your credit score
Takes less than 2 mins
Nearly there, {Name}

You’re eligible for Yonder membership!

Finish your application and get your card
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.


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.

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’ll earn points exactly the same way you do when you spend your credit limit.

Do I still get Purchase Protection?

Yep, you’ll 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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