bYond is a workplace benefit offered to users via their employer as a way to access exclusive offers and discounts on their everyday spend. It is a Mastercard® prepaid card that employees can use at 70+ online and high street retailers where they can earn cashback onto their card, every time they spend with it. From up to 3% at supermarkets, 10% at restaurants and 15% on experiences, cardholders earn every time they spend with the card. Employees can choose to load a fixed amount of their salary onto their card automatically each month, or can top up their balance 'on the go' using a debit card. With a few smart swaps of where a user spends, on average cardholders can earn over £200 a year by using bYond.