We’re delighted to be working with HyperJar to help you organise and manage your spending in an exciting new way. The new app allows you to create “digital jars” to help make money management easy, and you can share your jars with friends and family so everyone can plan and spend together. You’ll also have access to instant cashback, meaning you get rewarded by your favourite brands when you spend!

Launching soon.

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These services are provided by third parties and are not provided by Phoenix Group. Hyperlayer Limited is an agent of Modulr FS Limited. Account and payment services are provided by Modulr FS Limited. The card is issued by Monavate Ltd. Both Modulr FS Limited and Monavate Ltd are authorised and regulated by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services.

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Say hello to smarter spending

No matter what stage of life we are in, spending is a part of our daily routines. That’s why having a simple, flexible way to manage your money can make a big difference. The new app, Spend Smart is designed to help you spend and organise your money with ease!

With the Spend Smart app, you can create ‘digital jars’ to help you organise your spending in an easy way. You’ll be able to share jars with friends and family, making it simple to share and split expenses.

Instant cashback

Get cashback straight into your Spend Smart spending account.

Get rewarded when you spend

Get cashback and discounts from your favourite brands.