What is the Vault?

The Vault is a separate pot within your account where we store the money you’ve earned from using bYond.

Your Vault balance shows the total cashback* that has been paid to your account.
You can withdraw money from your Vault at any time and transfer it to your card balance to spend.
Important: You can only withdraw amounts that have been paid. Any cashback still pending cannot be withdrawn until it’s processed and added to your Vault.

Checking your Vault balance

You can check your Vault balance anytime in both the website and mobile app.
On the website: Your Vault balance is displayed in the centre dial, along with your progress toward your goal.
In the mobile app: Your Vault balance is shown on the home page for quick access.

*Cashback is calculated on purchases at participating retailers and credited to your Cashback Vault 30 days after the relevant transaction settles. Cashback in the Vault, and any pending Cashback not yet credited, will be lost when your Card becomes Dormant after six months without use or reload, or three months after your Card is cancelled. You can avoid this by using or reloading your Card, or transferring Cashback to your Card Funds, before the relevant deadline. Rates vary by retailer and may change; refunded purchases may reverse Cashback. See the Card Terms for full details