What Loyal is
A loyalty app that lets you earn stamps and points automatically, powered by your bank account.
Link your bank once and it runs on its own.
Earn automatically through open banking
Pay with your connected card and the stamps or points land on their own.
Your favourite spots in one app
Every scheme you are in, counting in one place — and new places as they join.
And it's free.
The places you spend at pay for Loyal, so there is nothing to sell you later.
In your pocket
Loyal is a free loyalty app
Earn points and stamps just by spending at the places you already go. Open it and it is already up to date.
Joe's Coffee
Free flat white
Ready at Joe's Coffee · full card
Get in early
Just launched. Become a founding member.
More of London every week. Check what is already collecting on your street, and tell us where to go next.
Behind the scenes
Your spending does all the hard work.
01
Connect a bank
Choose your bank and approve read-only access in its own app. Under a minute, and you can withdraw it whenever you like.
In your banking app
02
Pay as you already do
Spend at a place on Loyal with that card. Loyal recognises the venue on your statement and shows you what is already waiting there — you join in a tap, and the counting starts. Nothing to scan, nothing to mention.
Collected while you were out
03
Take what is ready
Rewards land in your wallet. When you are at the counter, swipe. There is no code to read out.
Ready in your wallet
The best part
Loyalty and offers, completely free. Forever.
No subscription, no premium tier, no points to buy. Loyal is paid for by the places you spend at, so there is nothing to sell you later.
Three ways to earn
Stamps, points or levels. All the same to you.
Each place picks the one that suits it. Pay by card and you are credited in whatever they run — here is what each one feels like.
01
Stamps
Buy nine, the tenth is free
Pay by card and the stamp lands on its own. No card to carry, no app to open, nothing for the person serving you to remember.
Nine paid for, the tenth free. You will see it waiting in the app.
02
Points
Ten points for every pound
Every pound you spend there adds points, counted straight from the payment. You can see what your balance is worth before you get to the counter.
1,240 points at Pophams Bakery. 760 more and the loaf is free.
03
Levels
It pays to be a gold member
At some places being a regular is the reward. Keep going as you already do and you move up, without claiming or asking for anything.
Silver at Rochelle Canteen, 160 points from Gold and the table that comes with it.
Your bank data
Read-only, and yours to switch off.
Loyal connects through open banking. You approve the access in your own banking app, and you can take it back there too.
We can never move your money
Access is read-only. Loyal cannot make a payment, and it never holds your banking login or password.
A place only sees its own scheme
Joe's Coffee sees your stamps at Joe's Coffee, under a nickname rather than your name. It does not see where else you shop, or what you spend there.
We read payments, not statements
Only what is needed to match a payment to a place you visited, so the right scheme can be credited.
Revoke in a tap, from either side
Turn it off in Loyal or in your bank app. Collecting stops, and what you have already earned stays yours.
No. Pay with the card you connected and your progress updates on its own. When a reward is ready you swipe in the app — there is no code to read out and nothing to scan.