£200 MoneySuperMarket Business Banking Voucher Offer
Terms and Conditions
1. About the offer
1.1 These terms and conditions apply to the £200 MoneySuperMarket Business Banking Voucher Offer (the“offer”).
1.2 The promoter of the offer is Moneysupermarket.com Ltd, a company registered in England and Wales with company number 03945937, whose registered office is at MONY Group House, St David’s Park, Ewloe, Chester CH5 3UZ (“MSM”,“we”,“us” or“our”).
1.3 The offer is available in connection with the MoneySuperMarket Business Banking account available through the MoneySuperMarket Business Banking app (the“account”).
1.4 MSM introduces customers to the account but does not provide the account and is not a party to the agreement governing it. The account and associated services are provided by third parties as set out in the MoneySuperMarket Business Banking terms and conditions (the“account terms”).
1.5 Counting Limited, trading as Countingup (“Countingup”) a company registered in England and Wales with company number 10729748, whose registered office is at 20-22 Wenlock Road, London, England, N1 7GU, and administers the MoneySuperMarket Business Banking app and, for the purposes of this offer, will monitor whether the qualifying conditions have been satisfied, validate entitlement to the reward and arrange for the reward to be issued to eligible customers.
1.6 Your application for and use of the account and associated services are subject to the account terms. Participation in the offer does not guarantee that your application for an account will be accepted.
1.7 By participating in the offer, you agree to these terms and conditions.
2. Promotion period
2.1 The offer is available to eligible customers who apply for a new account between:
a. 00:01 on 11 November 2026; and
b. 23:59 on 11 December 2026,
inclusive (the “promotion period”).
2.2 Applications made before or after the promotion period will not qualify for the offer.
2.3 You must apply for the account through the MoneySuperMarket Business Banking app during the promotion period.
3. Eligibility
3.1 To participate in the offer, you must:
a. be aged 18 or over;
b. be resident in the United Kingdom;
c. be either: i. a sole trader operating a business based in the United Kingdom; or
ii. a director of a limited company incorporated and based in the United Kingdom;
d. apply for a new account during the promotion period;
e. not already have a MoneySuperMarket Business Banking account;
f. satisfy the applicable account eligibility, identity verification, onboarding and approval requirements; and
g. comply with these terms and the account terms.
3.2 The offer is limited to one reward per account.
3.3 Opening an account is subject to the usual application, verification and approval process. Participation in the offer does not guarantee that your application for an account will be accepted.
4. How to qualify for the reward
4.1 To qualify for the reward, you must:
a. meet the eligibility requirements set out in clause 3;
b. successfully open an account following an application made during the promotion period;
c. spend at least £1,000 on qualifying purchases using the Mastercard linked to your account during the 120-day period beginning on the date your account is opened (the “qualifying period”);
d. remain subscribed to the MoneySuperMarket Business Banking service at the end of the qualifying period;
e. have paid at least one subscription fee following expiry of the applicable three-month free trial;
f. have an open and active account at the end of the qualifying period; and
g. otherwise comply with these terms and the account terms.
4.2 For the purposes of these terms, your account is treated as opened on the date your account number and sort code become available in the MoneySuperMarket Business Banking app.
4.3 A “qualifying purchase” is a genuine purchase of goods or services for business purposes which:
a. is made using the Mastercard linked to your account;
b. is made during the qualifying period;
c. [has completed and the relevant funds have been debited from your account during the qualifying period]; and
d. is not an excluded transaction under clause 5.
4.4 Pending, declined, cancelled, reversed, refunded or charged-back transactions will not count towards the £1,000 spend requirement.
4.5 If a transaction is refunded, reversed, disputed or charged back, its value may be deducted when calculating whether you have satisfied the £1,000 spend requirement.
4.6 Countingup will use its account and transaction records to determine whether you have met the £1,000 spend requirement and whether the other qualifying conditions have been satisfied, except in the case of manifest error.
4.7 The £200 offer can be used alongside the three-month free subscription trial currently available to eligible new MoneySuperMarket Business Banking customers.
5. Excluded transactions
5.1 The following transactions will not count towards the £1,000 spend requirement:
a. cash withdrawals, including ATM withdrawals;
b. bank transfers or other money transfers, whether or not made using your card;
c. balance transfers;
d. loan, credit card or other debt repayments;
e. direct debits and standing orders;
f. transactions classified as gambling;
g. cryptocurrency transactions;
h. purchases of foreign currency or travellers’ cheques;
i. purchases of financial services, including insurance or investments;
j. securities and transactions with brokers or dealers;
k. tax payments;
l. payments to government institutions or services;
m. purchases of gift cards, prepaid cards, promotional merchandise or cheques;
n. top-ups or transfers to payment service providers, prepaid cards or prepaid accounts;
o. bank charges, account fees, interest, currency conversion fees and other non-purchase transactions;
p. bill payments;
q. refunds, reversals, chargebacks or disputed transactions;
r. fraudulent, artificial, circular, collusive or sham transactions; and
s. any other transaction which Countingup reasonably determines is not a genuine purchase of goods or services for business purposes.
5.2 Countingup may use information supplied by the merchant, payment network or card scheme, including the applicable Merchant Category Code, to determine whether a transaction is a qualifying purchase.
5.3 MSM and Countingup do not control the category or Merchant Category Code allocated to a merchant. This may mean that a transaction does not qualify even where the merchant also supplies other goods or services.
6. The reward
6.1 If you satisfy all of the conditions of the offer, you will be entitled to receive a digital voucher with a value of £200 (the “reward”).
6.2 The reward will be provided using voucher codes supplied by Giftcloud.
6.3 You will be able to select your voucher from a range of participating retailers available through Giftcloud. The participating retailers are [to be confirmed].
6.4 The range of participating retailers may be subject to availability and the final selection available to you will be shown when you redeem the reward.
6.5 The £200 reward must be redeemed with one participating retailer.
6.6 The reward:
a. is limited to one reward per account;
b. cannot be exchanged for cash;
c. cannot be transferred, sold or resold; and
d. once redeemed, will be subject to any applicable terms and conditions of Giftcloud and the selected retailer.
7. Receiving and redeeming the reward
7.1 At the end of the 120-day qualifying period, Countingup will determine whether you have satisfied the qualifying conditions for the offer.
7.2 Countingup will complete this validation within 6 weeks following the end of the qualifying period.
7.3 If Countingup confirms that you have satisfied the qualifying conditions, Countingup will arrange for the reward to be issued to the email address registered to your account within six weeks of validating your eligibility.
7.4 The reward email will contain the voucher code and/or instructions you need to access and redeem your reward through Giftcloud.
7.5 You must ensure that the email address registered to your account is complete, accurate and kept up to date.
7.6 You must redeem your reward within 90 days of the date on which the reward email is sent to you.
7.7 If you do not redeem the reward within that 90-day period, the reward will expire and will not be reissued, except where the failure to redeem resulted from an error by MSM or Countingup.
7.8 Once you have selected and redeemed a voucher, your use of that voucher will be subject to the terms and conditions of the relevant retailer, including any applicable expiry period or restrictions on use.
7.9 If you believe you have qualified for the reward but have not received it within the timeframe set out above, please contact Countingup customer support through the MoneySuperMarket Business Banking app.
8. Fair use and prevention of abuse
8.1 The offer must be used in good faith and only for genuine business purposes.
8.2 You must not manipulate, misuse or abuse the offer, including by:
a. creating or using multiple accounts or applications in an attempt to obtain more than one reward;
b. making artificial, circular, collusive or non-genuine transactions;
c. making purchases primarily for the purpose of meeting the qualifying spend and subsequently returning, cancelling or reversing them;
d. colluding with a merchant or another person to meet the qualifying conditions; or
e. otherwise attempting to obtain the reward contrary to the purpose or spirit of the offer.
8.3 A reward may be refused or withheld where Countingup identifies, including through its fraud monitoring processes, reasonable grounds to believe tha:
a. you have not satisfied these terms;
b. your account is closed or suspended at the end of the qualifying period;
c. your business has stopped trading or, where applicable, has been dissolved;
d. you have materially breached the account terms;
e. you have engaged in fraud, suspicious activity or material abuse of the offer;
f. relevant qualifying transactions have been refunded, reversed, disputed or charged back;
g. an account or transaction has been created or undertaken primarily to obtain the reward; or
h. a technical, processing or calculation error has occurred.
8.4 You may be required to provide Countingup with reasonable information or evidence to verify your eligibility for the reward.
8.5 Where a reward has already been issued as a result of fraud, material abuse, technical error or a material breach of these terms, MSM or Countingup may take reasonable steps to cancel or recover the reward, to the extent permitted by law.
9. Changes to or withdrawal of the offer
9.1 MSM may amend, suspend or withdraw the offer where reasonably necessary because of:
a. circumstances outside its reasonable control;
b. actual or suspected fraud or material abuse of the offer;
c. a technical, operational or security failure;
d. a legal or regulatory requirement; or
e. another event which materially affects the fair or proper operation of the offer.
9.2 Where reasonably practicable, any amendment, suspension or withdrawal will not affect customers who have already satisfied the relevant qualifying conditions before the change takes effect.
9.3 Any material change to, suspension or withdrawal of the offer will be communicated through the MoneySuperMarket Business Banking website and support@businessbanking.moneysupermarket.com.
10. Personal data
10.1 Countingup will process personal data in connection with the offer in accordance with applicable data protection laws and their respective privacy notices.
10.2 Countingup may use information relating to your account, subscription status and transactions to:
a. administer the offer;
b. determine whether you have satisfied the qualifying conditions;
c. prevent and identify fraud or abuse;
d. validate your entitlement to the reward; and
e. issue the reward to you.
10.3 Your reward will be provided by Giftcloud. To claim your reward, you will be directed to Giftcloud, where you can select your preferred retailer and provide your email address or mobile number to receive your gift card.
10.4 Countingup will determine which customers are eligible for a reward and will allocate and send the relevant reward codes to those customers.
10.5 MSM will receive aggregate information about the performance of the offer and will not receive personal data identifying individual customers in connection with their eligibility for or receipt of a reward.
10.6 Further information about how your personal data is processed is available in:
a. MSM’s privacy notice: here; and
b. Countingup’s privacy notice: here.
11. Responsibility for the account and reward
11.1 Nothing in these terms excludes or limits any liability which cannot lawfully be excluded or limited.
11.2 MSM is the promoter of the offer but does not provide or operate the account, issue the associated Mastercard or provide regulated banking or payment services.
11.3 Countingup is responsible for monitoring whether the qualifying conditions have been satisfied, validating eligibility and issuing the reward to eligible customers.
11.4 Subject to clause 11.1, MSM will not be responsible for:
a. any decision to accept, reject, suspend or close an account;
b. the provision or operation of the account, app, card or associated services;
c. a merchant's classification or Merchant Category Code;
d. delays or failures caused by a merchant, payment network, card scheme or other third party outside MSM’s reasonable control;
e. your failure to redeem or use the reward within the applicable period; or
f. any goods or services purchased using the reward.
11.5 Nothing in these terms affects any statutory rights you may have.
12. Tax
12.1 You are solely responsible for determining and meeting any tax liabilities, reporting requirements or other obligations arising from receiving or using the reward.
12.2 You should obtain independent tax advice if you are unsure of your position.
13. Customer support
13.1 Questions about offer qualification should be sent to support@businessbanking.moneysupermarket.com.
13.2 Questions relating to the redemption or use of a Giftcloud voucher should be submitted to the online form.
13.3 Complaints specifically relating to the promotion may be submitted to support@businessbanking.moneysupermarket.com.
14. General
14.1 If there is any inconsistency between these terms and any marketing communication relating to the offer, these terms will apply, except applying these terms would be unlawful.
14.2 If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.
14.3 These terms are governed by the laws of England and Wales.
14.4 The courts of England and Wales will have jurisdiction.
