Whether you created an everup account to help you set money aside, buy gift Cards or spend with the Debit Card, this comprehensive guide will show you how to make the most out of your everup account, play more games and get the best chance of winning great prizes.

Earning Coins from your Cash Account Balance

You can earn Coins just from your cash balance. Here is how it works.

Every night our systems check how much you have set aside and deliver a certain amount of Coins based on the total balance. The higher the balance, the higher the Coins you earn on a daily basis.

This table shows Cash Account Balance reached, corresponding to Level and Daily Coins Reward.

Cash Account Balance

Level Number

Level

Daily Coins

£ -

1

Butterfly

-

£10.00

2

Raccoon

1,350

£25.00

3

Zebra

2,750

£50.00

4

Falcon

3,550

£100.00

5

Squid

5,100

£150.00

6

Hippo

6,600

£200.00

7

Cat

8,100

£300.00

8

Sea Lion

11,500

£500.00

9

Fox

17,000

£600.00

10

Eagle

20,000

£700.00

11

Elephant

23,000

£800.00

12

Walrus

26,000

£900.00

13

Wolf

30,000

£1,000.00

14

Crow

32,500

£1,250.00

15

Lion

40,000

£1,500.00

16

Parrot

47,500

£1,750.00

17

Octopus

55,000

£2,000.00

18

Dolphin

62,500

£2,250.00

19

Orca

70,000

£2,500.00

20

Panda

77,500

£3,000.00

21

Dragon L1

95,000

£3,500.00

22

Dragon L2

110,000

£4,000.00

23

Dragon L3

125,000

£4,500.00

24

Whale L1

140,000

£5,000.00

25

Whale L2

155,000

£6,000.00

26

Whale L3

190,000

£7,000.00

27

Pegasus L1

220,000

£8,000.00

28

Pegasus L2

250,000

£9,000.00

29

Pegasus L3

275,000

£10,000.00

30

Phoenix L1

333,333

£12,500.00

31

Phoenix L2

350,000

£15,000.00

32

Phoenix L3

375,000

£20,000.00

33

Unicorn L1

425,000

£25,000.00

34

Unicorn L2

450,000

£30,000.00

35

Unicorn L3

475,000

£35,000.00

36

Hummingbird

500,000

£50,000.00

37

Stellar Saver

575,000

You might also receive additional reward Coins when you level up the first time.

To check your level, daily Coins earning and progress, tap on “Levels” from the banking section.

With an active Cash Account, you can play:

- London Spin: win Coins

- Montecarlo Spin: win Coins

- Jakarta Scratcher: win Coins and Cash

- Manchester: win Coins and Cash. Minimum level required: Zebra (Level 3)

- New Daily Spins (Monday to Sunday): win Coins and Gadgets. Cash Account balance restrictions may apply for each gme.

Earning Coins from your Debit Card spending

The best way to maximise Coins with the everup Debit Card is to make high value transactions. E.g., pay for a full restaurant bill, a full credit Card balance repayment or to make a large deposit into Premium Bonds.

The higher the transaction value, the higher the Coins per pound you will earn.

For example, if you spend £500.00, you will receive 10,000 Coins per £1, in total 5m Coins. On the other hand ten transactions of £50 (in total £500) would add up to 3.75m Coins.

In other words, a single transaction of £500.00 will yield about 35% more Coins than 10 transactions of £50.00 each.

Spend from

Coins Reward per £1 spent

£ 0.01

100

£ 2.00

6,000

£ 10.00

6,500

£ 25.00

7,000

£ 50.00

7,500

£ 75.00

8,000

£ 100.00

8,500

£ 125.00

9,000

£ 250.00

9,500

£ 500.00

10,000

£ 750.00

11,000

£ 1,000.00

12,000

£ 2,000.00

13,000

£ 3,000.00

14,000

£ 4,000.00

15,000

£ 5,000.00

16,000

£ 6,000.00

17,000

£ 7,000.00

18,000

£ 8,000.00

19,000

£ 9,000.00 or more

20,000

Earning Coins from the Referral Program

An easy way to increase your Coins earning is by referring other users.

· Refer up to 2 people and get 200,000 Coins per referral and Bronze status.

· Refer up to 3 people more and get 400,000 Coins per referral, 200,000 bonus Coins and Silver status.

· Refer up to 4 people more and get 600,000 Coins per referral, 400,000 bonus Coins, a 1.5x automatic Daily Raffle booster and Gold status.

· Refer more people to get Platinum status, 600,000 bonus Coins, 750,000 Coins per additional referral and a 2x automatic Daily Raffle booster.

Penalty Coins

While we strive to give you as many Coins as possible when you save up or spend with the Card, we have implemented penalty systems to claw back Coins when:

· You withdraw funds from your Cash Account

· Your Debit Card transactions are refunded or reversed

Withdrawing funds

Withdrawing funds is the opposite of helping you saving. So you may lose Coins when you request a transfer back to your bank account.

Check the in-app disclaimer about potential Coin loss when you request a withdrawal.

You may also be charged a small fee if you are withdrawing more times than your free allowance. If a fee is payable, it will be displayed in the app at the point of withdrawing.

Reversed or Refunded transactions

We’ve changed the Debit Card program so that customers can play games with peace of mind. Spin it, win it, claim it. There’s no longer any need to wait for transactions to settle.

However, if a transaction is reversed or refunded, the amount of Coins received will be reversed. If that happens, your Coin balance may become negative. You can recover from a negative Coins balance by making new qualifying purchases, referring other people or getting daily Coins from your Cash Account balance.

Did this answer your question?