FAQ

EVERYTHING offers a Mastercard® debit card where you and your friends could win Cash Rewards with every *tap*. Sign up to EVERYTHING (so we can make sure you’re legit), transfer money instantly to your account and use it for your everyday spending, join or build Squads and celebrate any winnings together.

Putting the excitement into payments is just the start. There is much more to come.

EVERYTHING is really simple:

1.  Download the App
2. Sign up with a verified phone number and you can immediately build or join a Squad.
3. Tell us who you are, so we can verify you’re real and legal to set you up with a Debit card.
4. Start using EVERYTHING for your everyday spending. Your next tap could Reward you.
5. Invite your friends and build your Squad.
6. When a transaction from an EVERYTHING member hits a Reward threshold, we pay out.
7.  If you win a Reward, we will notify you via the EVERYTHING App and the cash will land straight in your account.
8. If it’s a Squad win, you’ll all get notified and paid out based on the percentage of spend that you contributed to the Squad.

For now, EVERYTHING is available within the UK only.

EVERYTHING is open to all and anyone can apply to be a member as long you’re a UK resident and aged 18 and over. Keeping the EVERYTHING community safe and secure is important to us, so becoming a member means you’ll need to complete a successful identity and residency verification before we'll let you in.

EVERYTHING Technologies Ltd is registered under company registration number 13359142, 2nd Floor 25 Green Street, London, England, W1K 7AX.
We offer our services in the UK as a distributor of PayrNet Limited, a company incorporated and registered in England and Wales with registration number 09883437 and whose registered address is at 138 Holborn, London, England, EC1N 2SW, a company authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900594) for the issuing of electronic money.

Deposits to your EVERYTHING account are NOT covered by government backed financial protection schemes like the Financial Services Compensation Scheme (FSCS). Traditional banks are required to protect deposits under these schemes. This is because banks can lend out customers’ deposits to others, and the government requires them to be insured up to a certain amount in case something goes wrong and they lose your money. As we don’t lend out or make investments with your money, your money will never at risk of this going wrong.

Get in touch with us at any time at support@joineverything.com or on our socials listed at the bottom of the page.

EVERYTHING is a Mastercard debit card, so wherever Mastercard is accepted you can spend. It can be used at millions of merchant locations worldwide, at ATMs/Cash Machines, and over the internet.

When you join EVERYTHING, you get 1 free physical card.

Right now, you can create one virtual card. We'll soon offer you to create as many virtual cards as you need.

We are working hard to get both Apple Pay® and Google Pay™ live and aim for them to be available a few months after the EVERYTHING launch.

With your EVERYTHING Debit Mastercard® you are also eligible for Mastercard's Zero Liability Protection, so when you use your card, you’re protected against fraud subject to Mastercard Terms and Conditions. You can find out more here.

We’ve built a wave of features to help you keep your money safe. You can freeze your card on the fly, set spending limits, see your spending in real time and more. We call it Mission Control. We’re also proud of our data security infrastructure and we promise never to sell your data.

You can win Rewards in two ways.

1. Every time you use your EVERYTHING card you could get a notification that you've won a Reward. If you are in a Squad, then the Reward will be split with other members based on their contributions to the Squad.
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2. Someone in one of your Squads wins a Reward that is split with you. You'll be notified in real-time.

When you normally spend with your card, the merchant you are purchasing from pays a fee to the Bank that provided your card. Instead of keeping all those fees for ourselves, EVERYTHING shares it with its members as Rewards.

So if you buy something from Amazon or pay for a tube ticket, they pay us. Every time this happens we put a part of what we earn into a Reward Bucket. When a Reward Bucket is full the EVERYTHING member that makes the next payment wins the Reward. They will be notified in real-time through the EVERYTHING App and their winnings deposited straight into their account. If they’re in a Squad, then the love (and some of the winnings) are shared with the Squad.

You can only spend money that you actually have in your EVERYTHING account and it’s important that you only spend what you can afford. The maths is simple. The more you use EVERYTHING for everyday spending the higher your chance of winning. Being in a Squad with more people increases your chance of winning too-every time they spend YOU could win a Cash Reward.

The Reward Buckets will start on launch date. The more people that join EVERYTHING, the faster they will fill up. As soon as the Reward is paid out the Reward process starts over.

Definitely not.

EVERYTHING is free to join and using the EVERYTHING card in the UK is free. Rewards are funded by EVERYTHING giving away its earnings to its members.

Winning a Reward is not based wholly on chance. Our Reward model is not a lottery but a deterministic system meaning we always know the states of Rewards and can see who triggered a Reward. You can increase the probability of a win by being a member of a Squad and a Squad having more people.

Squads are private or public groups where you can increase your chances of winning Cash Rewards and chat together. You can invite anyone to be a part of a Squad, or join one with an invite code. As your Squad grows, your chances of a Squad win go up.

Public Squads are open for anyone to join, letting you join forces with anyone you share the official Squad’s invite code with, but private Squads are invite only.
Public Squads are open for anyone to join but private squads are invite only. Public Squads let you join forces with anyone you share the official Squad’s invite code with.

We're putting in work behind the scenes to launch the app to our beta tester Squad. The sooner you become a member of EVERYTHING the sooner you can start earning Rewards too.

Joining the waitlist is free. To join the waitlist, go to the Sign Up section at the bottom of this website and submit your email.

Instead of just buying ads from giant corporations like Amazon, Google or Meta we would rather get people to join by offering the opportunity to win Cash Rewards, building real engagement and excitement.