Stoa turns your savings into lifestyle perks – not cash interest. Choose perks across a broad range of categories (like streaming, travel, or everyday brands) and get the value upfront as digital gift cards when you deposit the amount shown. For example, deposit £3,000 with Stoa and enjoy a year of Netflix on us – worth £155.88 (subject to change – based on a Netflix Standard monthly subscription, assuming £12.99/month over a 12 month period, as of September 2025).

Stoa turns your savings into lifestyle perks, not cash interest. Choose your perks, make the shown deposit, and once confirmed we send the digital gift cards upfront. Your money is held in a bank account we create for you at Griffin bank (FSCS eligibility applies). Perk value comes from commission on balances held with Stoa and brand and banking partnerships, which we convert into rewards you can use immediately. Some perks require a brief manual step, so delivery may take a little longer.

No hidden catches. Pick your Perks, deposit the amount shown, and we'll send the digital gift cards upfront once your deposit is confirmed.

You can choose as many Perks as you like from the in-app list. When you confirm your selection and make the required deposit, you open the same number of Stoa Pots — one Pot per Perk. You can fund several Pots in a single payment. Your total deposit equals the sum required for the Perks you've chosen, and you'll receive the relevant Perk for each Pot once your deposit is confirmed.

After you choose your Perks and make your deposit, we send the digital gift cards via the authenticated web app or by email. You'll get an email when they're ready; follow the link or visit My Pots and select Reveal. Redeem directly with the merchant or service using the code (don't worry – we'll include simple step-by-step instructions for every Perk). Keep your codes safe.

For all Perks, we hold your deposit for 12 months. When you're approaching the end of the 12 months, you can choose to Renew to continue receiving the Perk for another 12 months (potentially requiring you to adjust your deposit), or if not you will receive your full deposit back.