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Yonder review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Yonder suits UK adults who want fee free spending with rewards on everyday costs. The credit card charges an annual fee of £0 and earns 1x points per GBP 1 spent, up to 5x at Experiences partners, while the debit card pays 0.4% cashback. Borrowing is the weak point at 31.6%.

Key facts

Best for
A fee free card that pays points on rent or mortgage spending.
Annual fee
£0↗
APR
31.6%↗
Currency conversion fee
0%↗
Rewards type
Points↗
Rewards rate
1x points per GBP 1 spent, up to 5x at Experiences partners↗
Perks
No fees abroad, Purchase protection, Points on rent or mortgage payments, Free withdrawals abroad (GBP 200/day), Virtual card from day one, In-app customer support, Cancel anytime, Eligibility check without credit score impact↗
Card kind
Credit↗
Legal entity
Yonder Technology Ltd↗
Headquarters
United Kingdom↗
Founded
2021↗
Support channels
Chat, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
yondercard.com

Debit cards

Monthly fee
£0↗
Card type
Debit↗
Cashback rate
0.4%↗
Card network
Mastercard↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • Annual fee of £0 on the credit card and monthly fee of £0 on the debit card
  • Currency conversion fee of 0% and free withdrawals abroad within the daily limit
  • Rewards run at 1x points per GBP 1 spent, up to 5x at Experiences partners on the credit card and 0.4% cashback on the debit card
  • Points count on rent and mortgage payments, a category most cards leave out

Cons

  • Borrowing costs 31.6% on the credit card, so a carried balance is pricey
  • Support runs on chat and help centre only, with no phone or email line
Yonder

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Renters and mortgage holders who pay big monthly housing costs on a card
  • UK adults spending abroad who want no currency conversion fee
  • First card users who want a credit card and a debit card from one app

Who should look elsewhere

  • Anyone carrying a balance month to month, because 31.6% is high
  • Anyone who needs phone support, as chat and help centre covers chat and a help centre only

Where it sits among rivals

Yonder tops the tables on the two cost measures that matter most for a card. It ranks 1 of 312 brands on annual fee, with £0, and 1 of 186 on currency conversion fee, at 0%. The picture on borrowing is weaker: it sits at 117 of 138 on APR, reflecting the 31.6% charged on the credit card.

How Yonder compares

Where Yonder is available

Available
Gibraltar, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (946219), checked September 26, 2026
Licence in Gibraltar
Gibraltar Financial Services Commission, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does the Yonder credit card charge an annual fee?+

The Yonder credit card has an annual fee of £0, so there is nothing to pay to keep it open. Its model is listed as no annual fee. The card earns 1x points per GBP 1 spent, up to 5x at Experiences partners on spending, so the rewards offset any cost on everyday purchases.

What is the APR on the Yonder credit card?+

The credit card charges 31.6%, which is high for a card with no annual fee. It pays you to hold the card and to spend on it, not to carry a balance. Readers comparing borrowing cost should weigh that rate against cheaper offers elsewhere.

Does Yonder charge a fee for spending abroad?+

No, the currency conversion fee is 0% on both the credit and debit card. Free withdrawals abroad are included up to a daily limit. Mastercard is the network on the debit card, so the card works widely overseas.

How do the rewards work?+

The credit card pays points, earning 1x points per GBP 1 spent, up to 5x at Experiences partners on what you spend, with more at Experiences partners. Points also count on rent or mortgage payments, which is the standout feature. The debit card takes a different route and pays 0.4% cashback.

Is Yonder regulated in the UK?+

Yonder Technology Ltd is the legal entity behind the brand, and it is authorised and regulated by the Financial Conduct Authority in the UK. It also appears under the Gibraltar Financial Services Commission. Customer support runs through the app rather than a phone line.

What support can I get from Yonder?+

Support runs on chat and help centre, so questions are handled by in-app chat or the help centre. There is no phone or email channel listed. The account can be cancelled at any time without a fee, and a virtual card is available from the start.

Does applying for Yonder affect my credit score?+

The card runs an eligibility check that does not affect your credit score, which makes it gentler to try than a full application. A virtual card is available from the start, and the account can be cancelled at any time if it is not a fit.

What kind of card is the Yonder debit card?+

The Yonder debit card runs on Mastercard and is a physical card, not a prepaid one, with a monthly fee of £0. It pays 0.4% cashback and includes free withdrawals abroad within a daily limit. The credit card is a separate product from the same app.

Sources

  • yondercard.com checked September 26, 2026

    Backs: Annual fee, Legal entity

    “free credit - A free credit card that shows up, wherever you are - £0/month”

  • yondercard.com/careers checked September 26, 2026

    Backs: Founded, Headquarters

    “founded Feb 2021; Publicly launched Apr 2022”

  • yondercard.com/credit-cards/free-credit-card checked September 26, 2026

    Backs: APR, Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type, Support channels

    “Interest rate 31.6% Rep. APR 31.6% Based on a £1,200 limit (free credit card)”

  • yondercard.com/debit-cards/free-debit-card checked September 26, 2026

    Backs: Card type, Cashback rate, Monthly fee, Card network

    “Reward your routine with our rewards debit card”

  • yondercard.com/legal checked September 26, 2026

    Backs: Licences

  • yondercard.com/spending-abroad checked September 26, 2026

    Backs: Currency conversion fee

    “Yonder mark-up over Mastercard 0.00% ... without adding any mark-ups or fees”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Yonder

Yonder

A fee free card that pays points on rent or mortgage spending.

8.7/10See alternatives