New customer offer T&CsRefer a FriendISA CompetitionSave & invest together

Save and Invest Together
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Terms and Conditions

NuWealth Limited (referred to herein as “we,” “NuWealth,” or “Company”) is offering you the opportunity to participate in a promotional savings reward bonus campaign (referred to herein as“the Campaign”, or “invest and save together”) by topping up funds into your GIA account and maintaining the deposit over a set period of 12 months from 5th July 2025 to 5th July 2026 (referred to herein as the “Promotional Period”). Headings are included for ease of reference only and shall not affect the interpretation of these Terms and Conditions. In these terms, the singular shall include the plural and vice versa, and references to any gender shall include references to other genders. In the event of any conflict between these terms and the terms of the NuWealth Service to which you have agreed as a user of the Service, the latter shall take precedence.

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  • Binding Agreement.  By participating in the "Invest and Save Together" campaign via the app, you are bound by these Terms and Conditions (“Terms”) and indicate your agreement to them. All of the Company’s decisions are final and binding.
  • Privacy. The personal information collected, processed and used as part of the Program will be used in accordance with Company’s Privacy Policy, which is available in the Legal Documents section on the App.  
  • How the Program Works.  You must be a legal resident of the United Kingdom and at least 18 years old to use the NuWealth app. To participate in the "Invest and Save Together" campaign, users must:
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  1. Make a deposit of £1,000 or more into their GIA account before the Deadline of the 4th July 2025 (“the Deadline”).
  2. Maintain a net deposit balance of £1,000 or more until at least midnight on 5th July 2026 to your GIA account. (Net deposits must amount to £1,000 after withdrawals for the Promotional Period excluding fees and fluctuations based on the investment value). You can withdraw from your GIA at any time, but if your withdrawals take your Promotional Period deposit total under £1,000 at any time throughout the Promotional Period, you will be immediately excluded from the promotion and no longer be eligible for the reward bonus.
    • Example 1: You deposit one lump sum of £1,000 in your GIA, which you do not invest. A few months later, you sell and withdraw £10 from an investment. As your total net deposits and withdrawals now equate to £990, which is under the £1,000 threshold, you are immediately no longer eligible for the reward bonus (even if you deposit more later).
    • Example 2: You deposit one lump sum of £1,500 in your GIA, which you do not invest. A few months later, you sell and withdraw £10 from an investment. As your total net deposits and withdrawals now equate to £1,490, which is above the £1,000 threshold, you are still eligible for the reward bonus.
  3. Existing customers are eligible only if they top up an additional £1,000 in their GIA within the Campaign window.
  4. Investing the £1,000 is not required, as long as it remains in the GIA account. Uninvested funds in the GIA account receive an interest rate of 3.5% (variable)
  5. Each eligible participant will receive a 1.25% reward bonus, which will be calculated based on the Base Rate Tracker savings account’s daily value over the Promotional Period. It will apply to the first £5,000 in the Base Rate Tracker only - balances over £5,000 will not benefit from the bonus, but the standard Base Rate Tracker rate (variable)
  6. There are no additional restrictions on withdrawing from the Base Rate Tracker Savings account. Users can continue to withdraw from their Base Rate Tracker savings account once per month during the campaign as per the account terms. However, the 1.25% reward bonus applies only to the daily balance present during the Promotional Period, meaning withdrawals will impact the final reward bonus payout. 
  7. The reward bonus will be paid out in a lump sum within 7 working days of 5th July 2026, to your GIA account, as long as the account is open and available to be deposited into.
  8. Users will receive an eligibility confirmation email to the email address registered with the NuWealth app after the Campaign window closes.

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  • The Campaign is not an activity that is regulated by the Financial Conduct Authority. You may not be able to refer any complaint regarding the performance of the Campaign to the Financial Ombudsman Service. In the first instance you should refer any concerns with the operation of the Program to us at the details given on our website https://www.nuwealthapp.com/  or in the NuWealth app.

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  • Restrictions.  Users who withdraw funds during the Promotional Period such that their net deposit value in their GIA drops below £1,000 at any time will not qualify. Once your deposit value (that is, total deposits minus withdrawals) falls below £1,000 during the  Promotional Period, you will be immediately and irreversibly be excluded from the promotion, and will not be able to rejoin the Campaign. If you close your GIA or Base Rate Tracker account or NuWealth account before the Promotional Period ends, you will be ineligible for the Campaign. Users can withdraw from their savings at any time during the Campaign. However, the 1.25% reward bonus applies only to the daily balance present during the Promotional Period, meaning withdrawals will impact the final reward bonus payout. If you close your accounts between the Promotional Period starting, and the reward bonus being paid out afterthe end of the Promotional Period, you forfeit your right to the reward bonus. No user may create multiple, fictitious, or fake accounts with the Company in order to receive multiple benefits. No user may use the Campaign to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene, or outside the spirit or intent of the promotion.
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    In addition, you may not:
  1. Tamper with the Campaign.
  2. Act in an unfair or disruptive manner.
  3. Use any system, bot, or other device or artifice to participate or receive any benefit in the Campaign.
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CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CAMPAIGN MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS.  SHOULD SUCH AN ATTEMPT BE MADE, THE COMPANY RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING LEGAL FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

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  • Invest and Save Together Reward Bonus.  By maintaining a valid deposit of £1,000 or more in your GIA throughout the Promotional Period, you will receive a 1.25% reward bonus to your Base Rate Tracker account, which will be:
    1. Calculated based on daily values held in your Base Rate Tracker savings account,  during the Promotional Period.
    2. Paid out in a single lump sum to your GIA account within 7 working days after the 5th July 2026, provided the account is open, able to receive deposits and you have met the eligibility criteria
    3. Applied to a maximum balance of £5,000. Balances over £5,000 will not receive the reward bonus, and the standard Base Rate Tracker rate will apply.
    4. Rewards are capable of being withdrawn from the date of payment. 
    5. Users may request updates on their eligibility status and total interest earned through the Customer Support team, using the in-app chat, website chat, or emailing at support@nuwealthapp.com 

Rewards are subject to verification. The Company may delay payment of a reward for the purposes of investigation but payment of Rewards shall not be unreasonably withheld.  The Company may also refuse to verify and process any transaction for any reason made with a Reward.  It’s in The Company’s full discretion to withdraw, remove or vary the referral reward at any time for any customer. Unless otherwise stated, Rewards are not transferable and may not be auctioned, traded, bartered, or sold. The Reward cannot be substituted for a cash payment.
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  1. If the GB Bank Base Rate Tracker account closes during the Promotional Period:
  2. If an alternative account is available, the promotion will be continued using the new account and the change will be communicated as soon as is feasible, along with any necessary actions you need to take to continue participating in the campaign. 
    1. In case of a hard close, the funds will move to this alternate account. The promotion will continue and the boosted reward will be paid out to the new account within 7 days of the Promotional Period ending.
  3. If no alternative exists, we will endeavour to make one available before the end of the Promotional Period. 
  4. If no alternative is able to be found,  interest will be calculated for the duration the account was open during the Promotional Period and the bonus will be paid into your GIA.
  5. NuWealth reserved the right to terminate the promotion at any time, for any reason, and without advance notice. 

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  • Liability.  By participating in the Invest and Save Together campaign, you agree to defend, indemnify, release, and hold harmless the Company, NuWealth Ltd, as the provider of the promotion, and their respective parent companies, affiliates, and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, lawyers, and agents, including, without limitation, their respective advertising and promotion entities and any person or entity associated with the production, operation, or administration of the campaign (collectively, the “Released Parties”), from any and all claims, actions, demands, damages, losses, liabilities, costs, or expenses caused by, arising out of, in connection with, or related to the campaign (including, without limitation, any property loss, damage, personal injury, or death caused to any person(s)) and/or the awarding, receipt, and/or use or misuse of any reward in the campaign. To be clear, the Released Parties shall not be liable for any technical errors or malfunctions, data theft or corruption, any printing or typographical error, or any damage to any computer system resulting from participating in, accessing, or downloading information in connection with the campaign. The Released Parties shall not be liable to any users for failure to supply any advertised benefit, by reason of any acts of God, any action or request by any regulator, governmental or quasi-governmental entity (whether or not valid), or any other activity or action that is beyond any of the Released Parties’ control.
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YOU UNDERSTAND AND AGREE THAT THE RELEASED PARTIES SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES).

TO THE FULLEST EXTENT POSSIBLE BY LAW, THE RELEASED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE INVEST AND SAVE TOGETHER CAMPAIGN, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED £100.

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  • Disclaimer of Warranties.  YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
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    1. THE INVEST AND SAVE TOGETHER CAMPAIGN IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS, AND TERMS OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW, OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED THROUGH THE CAMPAIGN, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;
    2. THE RELEASED PARTIES MAKE AND GIVE NO WARRANTY THAT (i) THE CAMPAIGN WILL MEET YOUR REQUIREMENTS, (ii) THE CAMPAIGN WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, AND (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE CAMPAIGN WILL MEET YOUR EXPECTATIONS;
    3. THE RELEASED PARTIES ACCEPT NO RESPONSIBILITY FOR ANY LOSSES INCURRED AS A RESULT OF INVESTING; AND
    4. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE CAMPAIGN IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.
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  • Sign-In Credentials. Users are responsible for maintaining the confidentiality of any sign-in credentials and are fully responsible for all activities that occur through the use of them.  Users agree to notify the Company immediately if they suspect unauthorised access to their account.  Users agree that the Company will not be liable for any loss or damage arising from unauthorised use of their credentials.
  • Right to Cancel, Modify or Terminate.  We reserve the right to cancel, modify or terminate the Campaign at any time for any reason. We reserve the right to disqualify any User at any time from participation in the Campaign if they do not comply with any of these Terms, or if they fail to comply with NuWealth’s Terms and Conditions as a whole.

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