Step 1

You can sign up to RetailBank at any time during the flex year (Jan - Dec). You elect to pay a fixed amount from your salary each month. This sum is paid into your RetailBANK Shopping Account. Due to banking legislation the money is held in your Shopping Account as points. Each point is worth one penny so, for example, if you elect to pay £200 into RetailBANK each month this will be shown as 20,000 points. When you load credit onto your gift cards it's converted back to pounds and pence.

You are required to commit to a minimum spend of £100 per month. You can change the value of the amount you pay into RetailBank subject to the £100 minimum at anytime during the flex year by contacting the FlexAdmin Team by emailing  Flexadmin@northgatearinso.com or telephoning 0844 3912416.

Prior to the start of the new benefits year you will be emailed with your username and password. If you decide to join during the flex year these will be sent as soon as you register. The amount you have elected will be paid from your salary into your RetailBANK Shopping Account on the same day that you get paid. 

Step 2

Log-in to RetailBANK and order Gift Cards from your favourite retailers. These will be posted to you with zero value and once you receive them you go back to RetailBANK, activate your cards and you are now ready to load them with credit.

Step 3

Load credit onto your Gift Cards from your Shopping Account up to the balance held. You can now go shopping using your Gift Cards for payment in the normal way.

Your cards can be loaded again and again to pay for your monthly shopping and one-off purchases and if you don't have enough credit in your Shopping Account you can top it up using a debit or credit card.

Please note that it can sometimes take the retailers 48 hours to load credit. If you want to use your gift cards at the weekend you need to load credit by 5pm on Wednesday.

Step 4

Every time a Gift Card is loaded with credit you earn cashback which is paid into your Cashback Account. The amount we pay you depends on the percentage offered by each retailer. Click here to see the percentages offered.

You can see the Cashback you have earned in your account and once it reaches £10 you can decide what you would like to do with it; use it for more shopping by transferring it onto a gift card or allow it to accumulate to pay for special occasions such as a holiday or Christmas.

We make a charge of £1.50 per month for membership of RetailBANK but as this taken from the cashback you earn the benefit is effectively free.