Yonder has already had success with its credit card, designed to understand your spending habits to help you maximise the rewards you can earn. Now it has turned its attention to debit cards, and has launched 2 different reward debit cards.
What is a Yonder debit card?
Yonder’s debit cards work like its credit cards, in that you can earn points through your spending which can then be redeemed with shopping, dining and travel brands. There is a free version and a full membership version, the latter of which allows you to earn more points and redeem them for premium rewards in exchange for a monthly fee.
The difference between Yonder and other reward cards is that the experiences are curated for you, and most are based around Yonder’s membership cities of London, Manchester, Bristol, and Bath. This means that if you don’t live in one of those cities you may be better off with another debit card that offers rewards such as Chase or Monzo that have more UK generic offers.
How does it work?
Yonder has 2 versions of its reward debit cards; a free version and a full membership version with a monthly fee.
The free version allows you to earn 1 point for every £1 spent and enjoy fee-free spending abroad.
Meanwhile, with the Full Debit Card, you get the following for a £15 monthly fee:
4 points for every £1 spent
Fee-free spending abroad
Use points on flights with multiple airlines
Worldwide family travel insurance
You can earn points on every purchase and then use those points on experiences that are curated based on your location and spending habits. Rather than use codes or coupons, you’ll just need to use your Yonder card to pay in order to redeem the reward.
It’s important to note that Yonder’s dining, fitness and ticketed experiences are based only in London, Manchester, Bristol and Bath, with more cities coming soon. However, its travel experiences, such as staycations and car rentals, are available nationwide.
What is Yonder’s app like?
Yonder’s app has a lot of budgeting features that you would expect from a digital-first provider, including:
In-app customer support
Spending category breakdowns
Flexible recurring payments
Bill splitting
Freeze and replace your card
Real-time notifications
Swipe in-app to redeem points with partner brands
Send your points to friends on Yonder
Is Yonder safe?
Yonder isn’t a bank, but it is authorised and regulated by the Financial Conduct Authority. It has partnered with Griffin, a UK bank, so the money in your Yonder account is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.
Bottom line
If you’re interested in earning reward points on everyday spending, then Yonder’s debit card is something to keep an eye on. It’s important to note that it’s just a debit card though, not a current account. So you can add money to your card from your chosen bank account, but you won’t be able to pay your salary directly to Yonder or set up direct debits or standing orders.
While the idea of earning rewards on your spending is appealing, a lot of Yonder’s benefits are exclusive to the cities it currently has on its roster. It plans to expand further, but at present, this makes its reward experiences rather limited. If Yonder’s debit card is not for you, learn more about other debit cards with rewards and cashback.
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Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run.
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