Member rewards
that compete with the
digital banks.
A complete rewards programme - gift cards, cashback, affiliate offers and open banking, all branded as yours and live in an hour. Give your members a modern, tangible reason to bank with you, without compromising the community values that make you different.
Tillo Trusted Partner
4,000+ UK brands
Developer-friendly documentation
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Tillo Trusted Partner
-
4,000+ UK brands
-
Developer-friendly documentation
Results observed collectively across all clients. Individual results will vary.
4,000+
UK brands
your customers love.
Give members practical savings across groceries, fuel, home and leisure through a rewards experience delivered under your institution’s brand.
Built for member-owned institutions
Give members tangible value from their account every week, with everyday savings delivered under your institution’s brand and without the enterprise resources normally required to operate a rewards programme.
Yes
Credit unions
Member-owned lenders who want to give members modern, tangible value and a reason to choose you over a digital bank.
Yes
Building societies
Mutuals looking to modernise their proposition and broaden appeal to younger members, without compromising their values.
Yes
Community-focused mutuals
Any member-owned or community-first institution that wins on values but needs a modern, visible offering to match.
Why credit unions & community banks struggle to compete with the power of digital banks
You offer fairer, more member-focused value than digital banks or fintechs, but struggle to compete with their visibility and marketing power to show your true value.
The awareness gap
Most community-focused institutions offer better value than the digital banks, but limited marketing reach means prospective members never get far enough to see it.
The perception problem
Too many people see community banks as 'lower-income alternative' or 'old-fashioned banking'. With a rewards platform you instantly change that perception.
An engaging offer
Digital banks lead with rewards and engagement features. Without something equally tangible, community values alone struggle to land with younger and broader audiences.
A modern reason to choose
and stay with you
We deliver the full rewards programme - the brands, the integrations, the operations. So you can put a modern, visible offering alongside your community values.
A concrete reason to join
Members get the kind of modern rewards usually only the big digital banks offer. A tangible reason to choose you, and to stay.
New revenue, without raising fees
Merchant commission share creates a new revenue line from your existing members. No fee increases, no change to your rates.
Broader, younger appeal
Reposition the brand as relevant to younger and broader audiences, without changing what makes you different.
Anonymised data architecture
We use anonymised data architecture. We handle merchant relationships, fraud and operations, so your team stays focused on your members.
White-label or API -
built around how you work
Most credit unions and building societies choose our white-label platform - branded as yours, live in hours, no development work. For teams that want full control of the member experience, the same rewards engine is available through our rewards API. See how the proposition also supports wider fintech products. Same merchant network, same managed operations behind either choice.
White-label platform
Branded, turnkey - most popular
Best for:
Most credit unions and building societies, and any team without development resource.
Launch:
Live in an hour, no developer time.
Member experience:
Branded as yours, with Spendstream-designed journeys.
You handle:
Brand approval and linking from your site.
Behind both:
Same 2,000+ brand network, merchant relationships, fraud and operations — managed by Spendstream.
Learn more about white-label
API integration
Full control, your own UX
Best for:
Organisations with their own development team.
Launch:
On your own timeline, typically days to weeks.
Member experience:
Full control inside your own app or member area.
You handle:
UI/UX and the integration build - we provide documentation and support.
Behind both:
Same 2,000+ brand network, merchant relationships, fraud and operations - managed by Spendstream.
Learn more about API integration
Live in about an hour, not months.
A four-step rollout designed for the operational reality of a community institution. No
developer sprints, no drawn-out procurement.
Send your logo, colours and domain. We configure your branded member environment.
Your reward mix and rates, with an anonymised data approach built for regulated, member-data-sensitive environments.
Go live with 4,000+ UK brands from day one. Members start earning on their everyday spend.
We handle operations, fraud, merchant relationships and optimisation. You focus on serving and growing your membership.
Modern technology, member-first by design
Modernising your proposition shouldn't mean compromising the trust your members place in you. Everything is built to respect that.
Any data-led personalisation through open banking (AIS) is strictly opt-in. Members choose to share, stay in control, and can withdraw consent at any time.
Behaviour informs relevant offers without exposing personal data - built for regulated, privacy-sensitive environments from day one.
Where members opt in, they see offers from brands they already use. Useful, never intrusive — and never at the expense of their trust.
A lower-risk way to start
Start with a focused pilot before making a longer-term commitment.
A 90-day pilot, no lock-in
Run a 90-day pilot with the option to walk away, no further commitment.
Why community institutions
choose Spendstream
Built for your reality
We use anonymised data, designed for regulated, community-focused institutions from day one - not retrofitted from a general rewards platform.
A managed service, not a DIY toolkit
We handle merchant relationships, fraud, fulfilment and day-to-day operations. Your team stays focused on serving members, not running a rewards platform.
A Tillo Trusted Partner
Tillo runs the world-class gift card infrastructure; we run the managed programme on top. Two specialists, one member experience.
I’ve spent 20 years building rewards businesses. I started Spendstream because every bank or building society I talked to was running into the same gap — rewards infrastructure built for enterprise budgets, not for the mid-market businesses who need it most. We’re closing that gap.
See what it would look like for your members.
A 30-minute founder demo with Bradley shows exactly what a rollout would look like for your members - white-label or API. And if it's not the right fit, he'll tell you.