full
debit card
Our points-packed, perk-stacked debit card
Get 拢10 back on your first spend, earn 4x more points, and unlock premium perks like flights, travel insurance and more.
1 mo free, then 拢15/mo. Cancel anytime
18+ and UK only. T&Cs apply.
Our Full Debit Card, at a glance
4x
points
4 points for every 拢1 spent
Worldwide travel insurance
Use points on any flight
Use points for cashback
Plus
Everything from our Free Debit Card
Plus your welcome offer
拢10
Get 拢10 off your first buy
+10,000
points
When you spend 拢1,000 in 30 days
And your first month free worth 拢15
Earn 4x points to use on dining, shopping, and travel you鈥檒l actually love.
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
(Just some member favourites, past and present)
Points that don鈥檛 collect dust. Just good times.
Free Debit Card
monthly spend
拢1,500
each year get either
Dining
+拢342
Shopping
+拢414
.svg){kind=small}
Airport Lounges
+拢270
Entertainment
+拢360
Flights
+拢144
Cashback
+拢90
Based on maximum redemption rates on our Free Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
32.3%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
66.0%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Worldwide family travel insurance
worth 拢275 each year
Things gone belly-up in Barcelona? We鈥檝e got you covered. Terms apply.
Car Hire Excess
Up to 拢3,000
Winter Sports
up to 拢500
Cancellation
Up to 拢7,500
Medical Bills
up to 拢1m
Easily add and withdraw money in just a few taps
You鈥檒l get an account number and sort code to directly transfer money from any UK bank
Payment received!
+拢200
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your 海角社区 card.
Compare our debit cards
Features
Free
full
Points Per 拢1 spent
1x
4脳
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
拢15
*When you spend 拢1,000 in your first 30 days
All the fancy features you鈥檙e used to鈥
Top-notch in-app customer support
Spend breakdowns
Seamless withdrawals
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you鈥檝e never seen before鈥
Swipe to use your points
Send points to friends on 海角社区
Still unsure?
There are no stupid questions
So, what actually is 海角社区?
Our marketing team call it a 鈥渇inancial membership鈥 but you can think of us like Monzo and Amex had a baby.
Is it a Mastercard?
Yep. We run on Mastercard, so we鈥檙e accepted at over 44 million locations around the world. Unlike some cards...
What is the new member welcome offer?
Joining 海角社区 comes with a few perks. Namely, a faster way to earn rewards (and a little something to make your first spend feel extra good). Get 拢10 off your first eligible 海角社区 purchase, whether you鈥檙e on debit or credit. Terms apply, read the .
Is 海角社区 a bank?
No. But we鈥檙e a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
Compare our debit cards
Free
full
Important information
Monthly fee
拢15
Cancel anytime
拢200/mo in free cash withdrawals
Welcome points*
1,000pts
10,000pts
rewards
Per 拢1 spent
1pt
4pts
Per 拢1 spent at Experiences 聽(Up to)
5pts
20pts
% Back at Experiences 聽(Up to)
0.5%
2%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Send points to friends
In-app customer support
Award-winning app
Powered by Griffin
*Welcome points are earned when you spend 拢1,000 in your first 30 days
Earn up to 10,000 welcome points!
Welcome points are earned based on your spend in the first 30 days:
Spend 拢200
+2,000pts
Spend 拢500
+3,000pts
Spend 拢1,000
+5,000pts
For new members only.
Get 拢10 to spend on almost聽anything
Joining 海角社区 means unlocking the good stuff from day one. As a welcome, we鈥檒l cover your first eligible 拢10 spent on your 海角社区 card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 30 days.
For new members only. .