Card easy - careful with PIN
The card itself was very easy to set up, and added to digital wallet straight away. When ordering the physical card - I had to set the PIN. Normal stuff, enter once, then enter again to confirm. Again - no problem. Physical card arrived in 2 days. Big plus. First time use of physical card requires chip and PIN. Went to use card twice and was told incorrect PIN, so paid with alternate means. Checked the app, and the card I’ve received has a random PIN. The only way to change PIN is to order a new card. Fingers crossed it turns up with the PIN that I set next time. Make sure you check the PIN before you try to use the physical card. It may not be the one you set!
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Learning
Very impressed about the points system especially for Just Eats being an option as I’m disabled & therefore cannot always get to the shops ‘
credit limit decrease
terrible experience! not recommended and no benefits. also they lowered my credit limit with no prior notice and no explanation
Don’t get this credit card
This is the worst credit card of all time as they can reduce your limit without any notice. Now imagine you are on a holiday and needs your card but opps the limit has dropped down and the money available is so less and of no use
They dropped £6000 just like that without any notice and any reason.
Don’t trust this yonder better get an AMEX best to use anywhere in the world.
They dropped £6000 just like that without any notice and any reason.
Don’t trust this yonder better get an AMEX best to use anywhere in the world.
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Don’t waste your
If I could give them a zero, I would they are the worst online banking I’ve ever had to deal with. There were free account for no reason asking you to send over your bank statements with all your income. For them to verify your address when it’s other things you can verify, but no, they want your bank statement to be very careful of this company. No they charge you £15 a month for absolutely nothing when you try and use your card at the store. Your card will bounce for no reason knowing that you have money in there don’t even bother wasting your time and your money on this company. They are Rude and they’re very disrespectful. You will send them a message. It takes them a week to reply back then I wanna send you a bombard of messages in one go. But don’t want to reply to you their customer service is absolutely horrendous and it’s not like you’re getting any benefits from this account anyway yes abroad but what you are paying £15 for nothing you have to book your holiday through them to get the insurance and for an online account, why would you want to see anyone’s income? It has nothing to do with them. Please be aware of this bank. I have had so much trouble with them first I couldn’t log into my account because their system was down trying to log it back in was a nightmare the customer was absolute horrendous. You’re emailing them to get Help and you’ve got 10 different people trying to tell you what to do and when you confront them, they will close your account because you say something why you do this? Why do you need my finance information? And then now close your account it just goes to show they’re not legit.
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Pointless
All fine and well until you need to use the card abroad, they’ll then block transactions you make in person with no way to approve them (actual banks let you do this).
Then if you try to make the payment again they suspend your account for an indefinite time until you re-verify your drivers license with only Otto the AI to answer for their actions.
Finally resolved after a human reviewed the verification via a third party, slow response and resolution since there’s no direct number to call.
Then if you try to make the payment again they suspend your account for an indefinite time until you re-verify your drivers license with only Otto the AI to answer for their actions.
Finally resolved after a human reviewed the verification via a third party, slow response and resolution since there’s no direct number to call.
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Worst respect for customer rights
They give credit without a reason, and if they want an explanation as to why it happened, they say we can't explain, meaning that respect for the customer and the customer's wishes for this credit lend doesn't matter.
If I could leave one star
Absoluty shocking. First I could not log in. It was not accepting my phone number. I called customer service just to talk to AI- that told me that the ticket was raised and hung up.
Then when I finally logged in, I wanted to close my account. You can only do it by chatting to Otto (chatbot). That got stuck and does not reply to me. So I can’t close the account. And on top of that o can leave conversation. Which I need to in order to start a new one. What? Honestly. I wish I never set it up in the first place.
Then when I finally logged in, I wanted to close my account. You can only do it by chatting to Otto (chatbot). That got stuck and does not reply to me. So I can’t close the account. And on top of that o can leave conversation. Which I need to in order to start a new one. What? Honestly. I wish I never set it up in the first place.
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This is a scam company report FCA AND LONDON CITY POLICE ,NSR LETS CREATE A TEAM OF THE VICTIMS
This app is malware and all of its invevesters are scammers they steals your money also they are promoting illegal activities within there apps
So much better than Amex
Love my yonder card, the earn and burn rate is amazing, so much better than Amex.
Blatant Omission of Promo Terms
The Issue:
I received an email from Yonder promising a £10 credit for my first transaction over £10. I followed the instructions, made the purchase, and was then told I wasn't eligible because the transaction didn't happen within 7 days of opening the account.
The Problem:
This 7-day deadline was nowhere to be found in the email. Not in the main text, not in the images, and not even in the fine print at the bottom.
Why this matters:
Deceptive Marketing: It is impossible for a customer to follow "the rules" when the rules are intentionally or incompetently withheld until after the fact.
Wasted Spend: I specifically used this card for a purchase I might have put elsewhere, under the impression I was receiving a reward.
Trust Broken: This is a financial services company. If they aren't transparent about a simple £10 promo, it makes me seriously question how transparent they are with their larger fees, interest rates, and credit terms.
Final Verdict:
Avoid Yonder if you value transparency. A "lifestyle" card should make your life easier, not leave you feeling like you've been scammed out of a promised incentive through hidden, unstated deadlines.
I received an email from Yonder promising a £10 credit for my first transaction over £10. I followed the instructions, made the purchase, and was then told I wasn't eligible because the transaction didn't happen within 7 days of opening the account.
The Problem:
This 7-day deadline was nowhere to be found in the email. Not in the main text, not in the images, and not even in the fine print at the bottom.
Why this matters:
Deceptive Marketing: It is impossible for a customer to follow "the rules" when the rules are intentionally or incompetently withheld until after the fact.
Wasted Spend: I specifically used this card for a purchase I might have put elsewhere, under the impression I was receiving a reward.
Trust Broken: This is a financial services company. If they aren't transparent about a simple £10 promo, it makes me seriously question how transparent they are with their larger fees, interest rates, and credit terms.
Final Verdict:
Avoid Yonder if you value transparency. A "lifestyle" card should make your life easier, not leave you feeling like you've been scammed out of a promised incentive through hidden, unstated deadlines.
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Worst Service
Worst service recieved from yonder. just permanently blocking customer account and straight away informing can’t able to repay so blocked the account is very stupid. I always paid on time to every other credit cards I hold. Never missed any payments from past 6 years. I did tried Remitly due to some medical emergency purpose and permanently ban on account is never expected from Yonder. Thanks for so not providing good service to customer.
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Yonder
I love them they give the vibes of American Express
Happily surprised!
I was always a bit wary over cards like this, but I really shouldn’t have been.
It’s so much more than a rewards card and is constantly giving me points back on all my spending.
It allows me to build up my points to redeem against experiences or even build it up to withdraw as cash back. I even earn points on my rent payments!
I switched my main spending from Monzo to Yonder and I couldn’t be happier!
It’s so much more than a rewards card and is constantly giving me points back on all my spending.
It allows me to build up my points to redeem against experiences or even build it up to withdraw as cash back. I even earn points on my rent payments!
I switched my main spending from Monzo to Yonder and I couldn’t be happier!
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The best app
Five star banking
Shocking
As someone who works in NHS this would have been good but not being able to get a debit card without no reason is absolutely appalling
Keeping my money hostage
This company is complete shambles on February 9, 2026 a agent called Ali Confirmed on email to confirm a refund on a closed account to be processed within seven days to have chosen bank it’s now the 18th of March 2026 nearly 40 days i’m just being ignored , DERYA ACKNOWLEDGED THE COMPLAINT ON FEBRUARY 23, 2026 her solution to wait for another one month for them to investigate, warning to others do not trust their policies or timelines
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Don’t use it
I’m having trouble changing my pin and trying to talk to customer service they want proof of it so I gave them proof now. I have to wait until they text. The conversations only opens for 24 hours by the looks of it they don’t want to help if I don’t get any response by morning 9 AM I’m closing my account
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Worst app
Worst app ever they deducted charges without customer permission it’s a such fraud app don’t install it
Raging !!!
So I set this up and all was rosy, until they decided that my card would be blocked !!! Because my location changed within the uk. This left me stuck as I only put money into that account to gather points. I could not use my card, nor could I use the app to withdraw the cash. This was a Friday evening and I am told via a ‘Chatbot’ (no phone number available), that I will be waiting until the next working day, MONDAY !!!! To access my money. PATHETIC !!! I want my money out of this and close it down, rapid !!! AVOID THIS SAD EXCUSE OF A COMPANY TO STORE YOUR FUNDS. 2026 and you don’t have a phone or staff? Back to the drawing board I’d say.
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