Amazon Shopping
Up to £10,000 Perk Value
Perk Value £50
Deposit £1,000
Forget credit scores. This one’s about your habits, not your wealth.
The world’s first saving behaviour tracker. Check in each month to understand your habits and improve your score.
Bank-grade encryption | No credit impact
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How it’s calculated
Rooted in Nobel-winning science.
Your score isn’t a guess. It applies decades of research into how people really behave with money to your own transactions — so it reflects habits, not just balances.
Behavioural economics
Daniel Kahneman — Nobel Prize in Economics, 2002.
Nudges & mental accounting
Richard Thaler — Nobel Prize in Economics, 2017.
The 50/30/20 rule
The budgeting benchmark your habits are measured against.
Perks
Your score unlocks real perks.
Once you’re in, a deposit turns straight into Amazon, ChatGPT and more, no waiting on rates.
- Value from day one, not month twelve
- Brands you already pay for anyway
- Full deposit back at the end of term
Ocado
Up to £20,000 Perk Value
Perk Value £50
Deposit £1,000
Waitrose
Up to £10,000 Perk Value
Perk Value £50
Deposit £1,000
Netflix Premium
Monthly
Perk Value £251.88
Deposit £4,500
Your money is safe with Stoa
Your deposits are securely held by Griffin Bank, a UK-regulated bank.
Your deposit is FSCS protected
Eligible deposits of up to £120,000 per depositor are covered by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.
Funding
How are your perks funded?
Stoa uses its algorithm that considers the purchase price on offer, discounts negotiated with merchants, and the commission your deposit generates – which varies between perks.
- Purchase price on offer
- Discounts negotiated with merchants
- Commission your deposit generates
Your perk valuePaid upfront on day one. Your deposit comes back in full.Get my value