Consumer Terms & Conditions

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.

With Underpay you select your bank from a list and we facilitate the process of making a direct, immediate and free payment to the store you're shopping with.

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.

Underpay supports a wide range of banks, including:

Barclays, Lloyds, Natwest, HSBC, Halifax, Revolut, Starling, Monzo, Santander, Nationwide, TSB, RBS, First Direct, Bank of Ireland, Bank of Scotland, Danske, and Ulster Bank.