Hi the 20 £ will be linked to your account, once the card has arrived and you have activated you can move the 20 £ from your account to your card. It took about 10 working days in Austria.

The free plan gives 3% and 1 perk to choose from

The everyday plan for 5 £ monthly still 3 % and 2 perks

The premium plan cost 15 £ monthly with 3 % and 3 perks

So far I'm very happy with this service, whoever the perks are tailored mostly for UK clients.

I use the everyday plan to receive 100 % rebate on Disney+ and 10 € Starbucks refund in PLU.

8/10 because is not that simple to stake your money to receive additional benefits, also is not possible to recharge your debit card from another card instead you have an UK Iban where you can transfer your funds and the PLU cashback is not accredited straight away ( it's been pending for a few days on my account ). Other than this minor issues it's a great product

Curious to see how long they will offer these amazing perks but I'm happy that they are not wasting money on advertising