Lock your savings

Stick to your savings goal, by adding a Defender to protect it

Lock your savings

You dump all of your money into savings, only to spend it all days later. What if you could lock away your savings, and choose someone to stop you from spending it?


Choose a defender

Whether it’s a family member or friend, your Defender is responsible for making sure you don’t spend your savings on stuff you don’t actually need

Choose a Defender
Send a transfer request

Send a transfer request

Whenever you want to make a transfer out of your Savings Account, we’ll send a text to your Defender


They can approve or reject it

If your Defender approves, your transfer will go through. If they choose to reject it, the money will stay in your Savings Account

They can approve or reject it



What happens if my Defender doesn't respond?


If your Defender doesn't approve or reject your request within 12 hours, your transfer will go through automatically.


Do I earn interest on my account?


Yes! You can earn interest on every dollar across all your Wildcard accounts - just contact us in the app to opt in. You don't need to put all your money into your locked Savings Account - even money in your Spending or Expenses Account will earn the same rate of interest.


What if I need to transfer my money out urgently?


If your Defender hasn't responded and you need to make a transfer ASAP, send us a message in the app and we'll help.


Can my Defender access my money?


Don't worry - your Defender can never access your account, only approve/reject requests to transfer out.


Can I remove a Defender?


Yep. You can remove a Defender at any time, but it'll take 12 hours for the account to be unlocked.


Do I have to add a Defender?


Nope! You can set up a Savings Account without a Defender, and add them to your account at any time.

Start using Wildcard with Apple Pay or Google Pay now

Start using Wildcard with Apple Pay or Google Pay now

Set up your Wildcard account in minutes.

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