We Help You Save Money Shopping Online 💰

No. Underpay is a new payment method (like PayPal) that lets you pay for for online shopping using Open Banking: Money is transferred directly from your bank account to the store, no cards involved.

Open Banking is a UK government initiative that lets you access and share your banking data securely with third-party providers, like Underpay. It enables fast and safe direct money transfers between you and the store, without sharing your account details.

By using Open Banking instead of card networks like Visa or Mastercard, Underpay doesn't have to pay their fees, which keeps the cost of accepting Underpay low for retailers, and allows us to give you awesome rewards for using the service.

Yes, very. Underpay and the store you're paying to can't access your account, which eliminates the risk of unauthorised charges or data breaches. This means nobody can charge you without your consent at a later date (unlike with a card). Niiiice 😌

No. Underpay links securely to your existing bank account, which means you don't need to open a new bank account to start earning points. All you need is an email address to access your points in the Underpay app.

We provide multiple ways you can save money using Underpay even at stores that have not connected Underpay payments (yet!). You can use all these tools directly on this website and we are continuously looking at adding more ways our users can save money (always for free!).