Make your savings pay for your lifestyle.
Turn idle cash into high-value subscriptions, insurance and experiences, paid upfront, not earned slowly.
Choose your business perks. One deposit. One year.
Netflix Premium
Perk Value £227.88
Airbnb Premium
Perk Value £50
Amazon
Perk Value £50
Waitrose
Perk Value £227.88
Financial Times Standard
Perk Value £369
ChatGPT Plus
Perk Value £227.88
NordVPN Basic
Perk Value £42.99
Mandarin Oriental
Perk Value £50
What could your cash become?
How are your perks funded?
Talk is cheap. Trust is earned.
How are your perks funded?
Get value upfront
Receive meaningful benefits from day one, not months or years down the line.
Spend smarter, not more
Unlock premium perks you already pay for, from subscriptions to everyday essentials.
Simple, secure and transparent
FSCS protected deposits, trusted banking partners and a seamless experience from start to finish.
Your savings, working harder
Select your perk
Choose from subscriptions, insurance and everyday benefits you already use.
Set up your account
Complete a simple, secure sign up in minutes.
Deposit and unlock value
Add your savings and start receiving value from day one.
People love Stoa
I realised that when paying for a service I needed anyway, it was more cost-effective for me as a higher rate taxpayer to lock my capital away for a year in a Stoa pot and forgo the credit interest — because after tax, that interest would be significantly less than the cost of an equivalent annual subscription.
I had a fairly big personal expense coming up and was planning to spend on Amazon anyway, so it felt like a good fit. I used a portion of spare cash to try it out, and being able to access the value upfront, along with around a 5% tax free return and a one year lock-in, made it an easy decision.
I’m finding it more interesting to add more of these Stoa Pots as we go. It just makes sense. So far, we have invested £15K, and there is definitely more to come. The money is fully protected, and we get the perks right away.
The money had been sitting in a children’s savings account accruing a meagre sum of interest each month, and with my child reaching adulthood it was time to review options. Most tax efficient options I found offered low returns, or tempting easy access to savings! When I compared them to Stoa Pots the benefits were clear - immediate savings on regular fixed spending plus security of the capital invested.
Frequently asked questions
Everything you need to know about the product and billing.
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.
We're here when you need us.
Questions before you deposit, or need help getting started? We've got you covered.