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.
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 |
Please note that the coin-earning table provided is subject to periodic revisions. It is important to be aware that certain merchant codes may have restrictions and yield fewer coins per £1 than advertised. Specifically, transactions from the following merchant codes have spending caps:
6012 (Financial Institutions—Merchandise, Services, and Debt Repayment) - capped at £250
6211 (Security Brokers / Dealers) - capped at £250
9399 (Government Services) - capped at £250
9311 (Tax Payments) - capped at £200
For example, if you make a transaction of £3,000 with a restricted merchant code (e.g., 9311), the transaction will be considered as if it were only £200 for the purpose of coin earnings.
Please keep these limitations in mind when reviewing your coin earnings and planning future transactions.
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.