This article is for our credit card members
When you spend on your Yonder card and have a positive balance in your top-up account, that balance is automatically used to repay your spend.
Once your top-up balance is fully used, any further spend will be borrowed from your credit limit.
How it works
Let’s break it down with an example:
You have a £500 credit limit
You’ve added £200 to your Top-up Account
Your total available to spend becomes £700
Now, let’s say you spend £600:
£200 will come from your Top-up balance
The remaining £400 will be borrowed from your credit limit
Your new remaining spending limit would be £100
Using a top-up allows you to extend your spending power without increasing your borrowing, and it won’t affect how your credit usage is reported to credit reference agencies.