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).
How does Stoa work?
Stoa turns your savings into lifestyle perks instead of cash interest. You choose the perks you want, make the deposit shown, and we send the digital gift cards upfront once your deposit is confirmed.
Three easy steps
Pick your Perks in the web app – we show the required deposit for each.
Make your deposit – your money is held in your account at Griffin bank (FSCS eligibility and limits apply), that we create on your behalf.
Enjoy the value – we deliver the gift cards digitally; most arrive quickly, and some require a short manual step (typically less than 30 minutes, during 8am-11pm UK time).
Note: Your deposits are held by Griffin Bank Limited (the deposit-taker), a company registered in England and Wales, operating in the United Kingdom. Griffin Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Griffin's firm reference number is 970920. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per depositor. For disputes, you can refer complaints to the Financial Ombudsman Service. Griffin Bank Limited's paid-up capital and reserves exceed £70 million.