Last Updated: 14/09/2023
Competition Rules
These Competition Rules apply to all Competitions that are made available via our Services. We may update these Competition Rules from time to time. It is very important that you check each relevant section of these Competition Rules before participating in any Competition, as by entering the Competition you agree to be bound by and comply with the most current version of these Competition Rules. Any changes that are made to these Competition Rules will not apply to Competitions that you entered before the changes came into effect.
None of our Competitions are sponsored by, or otherwise affiliated with, Google, Apple or any other app store providers.
These Competition Rules form part of our Terms. By participating in any Competition, you also agree to be bound by and comply with our Terms of Service and our Debit Card Terms and Conditions (if applicable).
Terms that begin with capital letters (defined terms) have the meanings that are given to them in these Competition Rules or, if they are not defined in these Competition Rules, they have the meanings that are given to them in the Terms. These Competition Rules are split into the following sections:
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Section 1: Significant Conditions – these apply to all Competitions and your attention is specifically drawn to these provisions
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Section 2: Coin Rules – these apply to your use of Coins on our Service
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Section 3: Lottery Rules – these apply each time you participate in a ‘lottery’ Competition
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Section 4: Wheel of Fortune (or Instant Spin) Rules – these apply each time you participate in an ‘Instant Spin’ Competition
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Section 5: Raffle Rules – these apply each time that you participate in a ‘raffle’ Competition
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Section 6: General Rules – these apply to every Competition that you participate in
Please read the description on each Competition page carefully as this will tell you which sections of these Rules apply to the Competition.
1. Significant Conditions
Users of the everup service may be eligible to enter into a competition by setting up a profile. There is no obligation to open an electronic money account in order to enter a competition.
However, by entering a competition you may be eligible to receive a cash prize or a physical prize (e.g., a tech gadget or home appliance). In order to redeem cash prizes you must have set up a linked account (by making a deposit into your electronic money account from your UK bank account) in accordance with section 6
of the terms of service. Except as otherwise stated in these competition rules, no cash prizes may be redeemed without a linked account. In order to redeem a physical prize, you must have set up an electronic money account with us in accordance with section 6 of the terms of service.
Everup disclaims any liability for amounts which have not been redeemed if the service is terminated or a user’s account is suspended or closed. We strongly recommend that all users set up a linked account and regularly move any cash prizes that you may be eligible to redeem to your linked account.
2. Coin Rules
This section (“Coin Rules”) applies to: (a) our allocation of Coins to your Profile; and (b) your use of Coins on our Service.
2.1. Earning Coins
a) We may credit a certain amount of Coins to your Profile when you undertake certain activities including:
When you open your Electronic Money Account;
When you verify your mobile phone number;
When you have a Card issued to you;
When you use your Card (at a variable rate of Coins per £1 spent, that increases with the size of your purchase); and
Any other activity which we consider in our sole discretion to be eligible for a credit of Coins.
You can find out how many Coins you have earned by going to the “Cash Account” section of our app and clicking on the “Winnings & Rewards” box.
b) Your Profile will also accrue Coins automatically based on the amount of funds in your Electronic Money Account at any given time at the daily rate published in the “Cash Account” section of our app. We may also credit Coins to your Profile as a prize for participating in a Competition.
c) Your Profile may also accrue coins when you participate in the referral scheme of everup.
d) It may take up to twenty-four (24) hours for Coin(s) to be credited to your Profile after you become eligible to receive them.
2.2. Using Coins
a) Coins can only be used to participate in Competitions via our Services.
b) Coins have no monetary value and cannot be traded or exchanged for money or money’s worth.
c) You must not sell, barter, trade or otherwise transfer Coins to any third party. We reserve the right to suspend or close your Profile if you do or attempt to do any of these things.
d) If you have played the Bonus Entry by participating in each Competition, one or more Coins are required to additionally participate in any and all Competitions on our Services.
e) Each Competition will specify the number of Coins that are required to participate in it. If your Coin Balance is sufficient, you can use your Coins to participate by pressing play and selecting the “use Coins” option on the relevant Competition page, and the requisite number of Coins will be deducted from your Coin Balance.
f) For any cash withdrawal a coin penalty percentage is applied depending on your cash balance as per the below table:
Cash Balance at the point of withdrawal Withdrawal coins cost £ 0.00 75% £ 10.00 50% £ 25.00 30% £ 50.00 20% £ 100.00 10% £ 150.00 7% £ 200.00 5% £ 300.00 3% £ 500.00 and above Free where withdrawal coin cost is worked out as a percentage of the total coins on your Profile and the minimum charge is 100,000 coins.
2.3. Coin expiry and cancellation
a) If your everup profile remains inactive for ninety (90) days or more, you may stop accruing new Coins until you log back into your Profile and redeem any unused Coins that remain in your Profile. Should your everup profile remain inactive for an additional ninety (90) days, your Coins balance may be reset to zero.
b) If your Profile is closed for any reason, any unused Coins in your Profile may be deleted and you may, at our discretion, not be able to claim them back if your Profile is reactivated within ninety (90) days of account closure.
c) You may lose your coin balance if you do not open an Electronic Money Account and make a deposit from a UK bank account within 90 days of successful registration.
3. Lottery Rules
This section (“Lottery Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in any lottery Competition on our Services.
£1,000,000 as a 40-Year Annuity: A £1,000,000 40-Year Annuity refers to a financial arrangement where an initial principal amount of £1,000,000 is converted into a series of fixed payments disbursed to the annuitant (the beneficiary or recipient) over a period of 40 years. This annuity ensures that the annuitant receives a consistent amount annually, totalling to £1,000,000 over the 40-year span. The specific amount and frequency of these payments are predetermined and remain consistent throughout the 40 years, unless otherwise specified by the terms of the annuity contract.
3.1. How to participate
a) Log in to your Profile on our app.
b) Go to the relevant Competition page.
c) Follow the on-screen instructions to select eight (8) numbers between 0 and 9 and one (1) bonus symbol (which may be a fruit or other visual icon) out of the six (6) available (“Pick“).
d) You can select your Pick manually by choosing numbers by swiping up or down and then selecting “add choice to play”, or you can select the “add choice to play” option each time to randomly select 8 numbers and a bonus symbol.
e) Once you have selected your Pick, confirm your selection by pressing “play for free’ or ‘play’.
f) You must confirm your Pick within the Competition Week (as described in paragraph 3.2 below). Selections made after the Competition Week starts will participate and be eligible to win a prize in the following Competition Week draw.
3.2. Competition Week: Each week you can participate in a lottery Competition between the following times:
a) Start time: 5:00:01 p.m. each Thursday.
b) End Time: 4:59:59 p.m. the following Thursday.
c) Weekly Draw: at or around 6p.m. on same Thursday as scheduled time. The draw processing starts 1 hour before its scheduled time. Customers entering the competition during the draw processing time will automatically enter the next available draw. As an example if the draw scheduled time is 6p.m. on Thursday, you will be able to enter such draw up and until 5p.m. of the same day. Any numbers played after 5p.m. will automatically enter the next available draw.
3.3. Winner Selection:
a) For each Weekly Draw for each Competition, eight (8) numbers between 0 and 9 and one (1) bonus icon are selected at random out of six (six) symbols (“Weekly Winning Combination”).
b) The Weekly Draws are operated by PIMS SCA, an independent third-party company using random number generator technology.
c) The Weekly Winning Combination will be notified via push notifications to all winning participants. (Permission is required to send push notifications to users. Push notifications is not a reliable mean of communication and that alone should not be relied upon as a way of receiving communication about winning numbers). You will also be able to check each Weekly Winning Combination under the “results” page of our app.
d) If your Pick matches the numbers and icons selected in the Weekly Winning Combination, you may be eligible to win a prize.
e) The top prize will be awarded to the user(s) whose Pick exactly matches the Weekly Winning Combination, and runners up prizes will be awarded to users whose Pick matches some but not all of the Weekly Winning Combination.
f) For each Weekly Draw, there are a capped number of prizes available. If the number of Picks that are eligible to win the same prize exceeds the cap for that prize, the prize will be split equally among the winning participants.
Winning Category Prize cap £ Match 4 £ 250.00 Match 4+fruit £ 500.00 Match 5 £ 750.00 Match 5+fruit £ 1,250.00 Match 6 £ 2,000.00 Match 6+fruit £ 2,000.00 Match 7 £ 3,000.00 Match 7+fruit £ 5,000.00 Match 8 £ 10,000.00 Match 8+fruit £ 1,000,000.00 as a 40-Year Annuity g) From time to time, everup might run a special all cash prize Competition which will be announced on the Competition page. For each of these particular draws, there are a capped number of prizes available. If the number of Picks that are eligible to win the same prize exceeds the cap for that prize, the prize will be split equally among the winning participants
Winning Category Prize cap £ Match fruit £ 350.00 Match 1 £ 500.00 Match 1+fruit £ 350.00 Match 2 £ 350.00 Match 2+fruit £ 200.00 Match 3 £ 200.00 Match 3+fruit £ 200.00 Match 4 £ 250.00 Match 4+fruit £ 500.00 Match 5 £ 750.00 Match 5+fruit £ 1,250.00 Match 6 £ 2,000.00 Match 6+fruit £ 2,000.00 Match 7 £ 3,000.00 Match 7+fruit £ 5,000.00 Match 8 £ 10,000.00 Match 8+fruit £ 1,000,000.00 as a 40-Year Annuity h) Exact details of the prizes that you can win, and the number of matching numbers you need to select to win them, will be specified on the Competition page.
e) Lottery competition game alternative names: Million Lotto, Million Draw, £1M Lotto, £1M Draw, Million Jackpot
3.4 Special Jackpot Provision – Effective from 10th August
1. Eligibility for the Special Jackpot: From the 10th of August onward, any customer who successfully matches a selection of 8 numbers in addition to a designated fruit symbol will be deemed eligible to claim the £1 million 40 Years Annuity Special Jackpot Prize.
2. Payout Options: Upon confirmation of their winning, the eligible customer will be presented with two payout options: a. Lump Sum Payment: A one-time payment of £393,998.00; or b. A £1,000,000 40-Year Annuity: The customer may elect to receive an annuity which disburses payments of £25,000 annually over a period of 40 years.
3. Annuity Purchase: Should the customer choose the £1,000,000 40-year annuity option, Everup commits to purchasing an annuity with a principal value of exactly £393,998.00 on their behalf. Please note: a. The actual cost of the annuity may vary over time based on prevailing market conditions and other economic factors. b. Everup’s responsibility will be limited to the initial purchase of the annuity with the stipulated amount. Any variations in the annuity’s value or payouts beyond our initial purchase will not be borne by Everup.
All eligible customers are advised to review these provisions carefully and, if necessary, consult with independent financial advisors to make an informed decision.
4. Wheel of Fortune (or Instant Spin) Rules
This section (“Wheel of Fortune or Instant Spin Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in any Wheel of Fortune Competition on our Services.
Some Wheel of Fortune games may be exclusive to specific user profiles e.g. Cash Account users, Debit Card users, or Gift Card users.
4.1. How to participate
a) Log in to your Profile on our app.
b) Go to the relevant Competition page.
c) Spin the wheel by pressing “play for free” or “play” accordingly.
4.2 Competition Week: Each week you can participate in a Wheel of Fortune Competition between the following times:
a) Start Time: Friday at 12:00:01 a.m.
b) End Time: Thursday at 11:59:59 p.m.
4.3 Competition Day: On certain days, you may also be able to participate in a daily Wheel of Fortune Competition between the following times:
a) Start Time: 12:00:01 a.m.
b) End Time: 11:59:59 p.m. (unless all prizes are won sooner)
4.4 Winner Selection
a) When you spin the wheel, it will land on an icon.
b) If it lands on a prize icon, you will receive an onscreen notification telling you that are eligible to win the prize indicated by the icon.
c) The icon on which the wheel lands on is determined by a random number generator.
d) Where a physical prize is won on an exclusive Debit Card Wheel of Fortune, you may be eligible to receive the physical prize or request an alternative of 3 offers (WYW)
5. Daily Raffle Rules
This section (“Daily Raffle Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in any Daily Raffle Competition on our Services.
5.1. How to participate.
a) For any draw you will receive a free Bonus Entry unrelated to the Electronic Money Account. For any amount over £1 in your Electronic Money Account, you will automatically receive a Bonus Entry for each £1 of the amount, on each draw. Bonus Entries are limited to a cap indicated on the Competition page.
b) To boost your entries, simply go to the relevant Competition page, and select “Boost”. This feature will be released for a few hours after the last draw has happened.
5.2. Competition Day. Each day you can participate in a raffle Competition between the following times:
a) Start Time: on the day before the draw 17:00:01
b) End Time: on the draw day 16:59:59
5.3. Selection of Winners.
a) Each raffle entry is allocated a unique reference number (“Raffle Reference“)
b) At each Weekly Draw, ten (10) raffle references are selected at random from all of the Raffle references allocated during that week.
c) If your Raffle Reference is selected, you will be eligible to win a prize.
d) Details of the prizes available each week are set out on the Competition page.
6. Debit Card Raffle Rules
This section (“Debit Card Raffle Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in any Debit Card Raffle Competition on our Services.
6.1. How to participate.
In order to participate in a Debit Card Raffle competition you must be a Debit Card user and have an active Debit Card membership in place.
Every time you use your everup Debit Card to make a purchase you will be awarded a certain number of Debit Card Raffle Entries per £1.00 spent depending on your range of spending.
The higher the transaction value, the higher the Entries per pound you will earn.
For example, if you spend £500 in one transaction, you’ll receive 100 Entries per £1 spent. A transaction of £50 would receive 75 Entries per £1 spent. So, ten transactions of £50 will return 37,500 Entries while a single transaction of £500 will return 50,000 Entries.
In other words, if you make a single transaction of £500, it will yield about 35% more Entries than 10 transactions of £50 each.
| Spend from | Card Raffle Entries per £1 |
| £ 0.01 | 1 |
| £ 2.00 | 60 |
| £ 10.00 | 65 |
| £ 25.00 | 70 |
| £ 50.00 | 75 |
| £ 75.00 | 80 |
| £ 100.00 | 85 |
| £ 125.00 | 90 |
| £ 250.00 | 95 |
| £ 500.00 | 100 |
| £ 750.00 | 110 |
| £ 1,000.00 | 120 |
| £ 2,000.00 | 130 |
| £ 3,000.00 | 140 |
| £ 4,000.00 | 150 |
| £ 5,000.00 | 160 |
| £ 6,000.00 | 170 |
| £ 7,000.00 | 180 |
| £ 8,000.00 | 190 |
| £ 9,000.00 | 200 |
Competition Day. Each Thursday you’ll automatically participate in a Debit Card Raffle Competition between the following times:
- a) Start Time: accumulation of entries starts every Thursday at 00:00:00
- b) End Time: accumulation of entries ends Wednesday at 23:59:59
- c) Draw date and time: each Thursday at 17:00 with participating entries from the previous Thursday until the day before (Wednesday) at 23:59:59.
6.2. Selection of Winners.
You will accrue entries throughout the week before the draw via all your debit card transactions made during the week (Thursday to Wednesday) that are not reversed or refunded.
- a) Each raffle entry is allocated a unique reference number (“Raffle Reference“)
- b) At each Weekly Draw, 1 (one) raffle reference is selected at random from all of the Raffle references allocated during that week.
- c) If your Raffle Reference is selected, you will be eligible to win the advertised
- d) Details of the prizes available each week are set out on the Debit Card Raffle Competition page.
- e) If you win the advertised prize you can opt to receive this prize or receive a proposal for 3 alternative prizes (WYW).
7. Scratch Card Rules
This section (“Scratch Card Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in any scratch card Competition on our Services.
Some Scratch Card games may be exclusive to specific user profiles e.g., Cash Account users, Debit Card users, or Gift Card users.
7.1. How to participate.
- a) Log in to your Profile on our app.
- b) Go to the relevant Competition page.
- c) Scratch the card by picking one card when you go to the “Pick One & Play” and pressing the “play” button accordingly.
- d) For some scratch cards you might receive a free Bonus Entry unrelated to the Electronic Money Account after 24 hours of your first log in of the day. Please refer to the app for the options.
7.2. Competition Day: On certain days, you may be able to participate in a daily scratch card Competition between the following times:
- a) Start Time: 12:00:01 a.m.
- b) End Time: 11:59:59 p.m. (unless all prizes are won sooner)
7.3 Winner Selection
- a) When you scratch the card, it will reveal the prize that you won.
- b) If it lands on a prize, your prize will be added to your total coins or cash amount depending on the prize won.
- c) The prize revealed by scratching the card is determined by a random number generator.
- d) Details of the prizes available are set out on the Competition page.
8. Referral Scheme Rules
This section (“Referral Scheme Rules”) applies, together with the Coin Rules and General Rules, each time that you participate in the referral scheme on our Services.
8.1. How to participate
- a) Log in to your Profile on our app.
- b) Go to the relevant referral page.
- c) Invite friends by pressing “invite friends”.
8.2. Referral Scheme: Each day you can invite your friends and get prizes in return at any time.
8.3. Each time you invite a friend you may get rewards according to the status that you achieve, details of which are on the “refer a friend” page.
9. General Terms and Conditions
9.1. Restrictions on Entry. No purchase is necessary to enter any of our Competitions. However, in order to enter a Competition, you must:
- a) have an internet connection;
- b) be a registered everup user with an active Profile;
- c) have (i) a Coin Balance equal to or greater than the applicable Coin Requirement; or (ii) use the Bonus Entry awarded to you for each Competition;
- d) be aged 18 or over at the time you enter the Competition;
- e) be resident in Great Britain; and
- f) not be an employee or be directly related to an employee
Unless specified otherwise on the relevant Competition page, you can participate in any Competition as many times as you like, subject to having the requisite Bonus Entries and/or Coin Balance.
9.2. Prizes
- a) The Prizes for each Competition are specified on the Competition page.
- b) Coins and Bonus Entries cannot be substituted for a cash alternative.
- c) For some Competitions, we cap the number of prizes that will be awarded during a Competition Period/Competition Week. We always try to ensure that any cap we set is reasonable in order to avoid disappointment. However, sometimes the cap will be reached before the Competition Period/Competition Week closes.
- d) Any applicable caps on the availability of prizes will be specified on the Competition Page. We will stop accepting entries if the cap has been reached.
- e) No cash prizes will be awarded for the London and Montecarlo wheel of fortune Competitions.
- f) A list of recent winners is available in the “results & winners” section of our Services.
9.3. Claiming your Prize
- a) We will make diligent attempts to notify you via our mobile app using the details associated with your account. However, if you choose to opt out of everup communications or neglect to update your contact details, we cannot guarantee notifications regarding potential prize winnings. We cannot be held responsible for unclaimed prizes due to failed contact attempts or undelivered notifications to your mobile device. It remains your responsibility to check competition results and submit any claims.
- b) If you win a cash amount as a result of a Bonus Entry play and you have not yet opened an Electronic Cash Account, you are required to run through our KYC process and open an Electronic Money Account; and transfer at least £0.01 to your Electronic Cash Account from a valid UK bank account held in your name, in order to claim your win. Failure to do so may result in your winnings being void.
- c) Prizes consisting of Bonus Entries, Coins and/or cash prizes under £1,500 will usually appear in the “Winnings & Rewards” section of your Profile automatically within 2-3 days of the relevant Competition, provided that we have been able to verify that you were eligible to win the prize. In order to redeem a cash prize from the winnings & rewards section you must elect to move it from the winnings & rewards section into your electronic cash account within 3 months of it appearing.
- d) For cash prizes of over £1,500, you may be asked to submit a prize claim form including but not limited to the following documentation; a copy of your photo ID and proof of address so that we can verify that (a) you are the Profile holder and (b) you meet the eligibility requirements specified in these Competition Rules and the Terms. You will also be required to have a valid Linked Account in order to redeem your prize. You will not be entitled to your prize, and your prize will be forfeited, if you fail to provide these documents when asked for them or we are unable to verify (a) and (b) with the documents that you do provide to us.
- e) If you have not claimed your prize of over £1,500 within 10 days of winning the relevant Competition, by providing the required AML/ KYC screening documentation, you will no longer be eligible to receive the prize and the prize will not be awarded to you and, for lottery or raffle Competitions, we reserve the right to award the prize to an alternative winner selected at random from all valid entries submitted during the relevant Competition Week.
- f) We will use reasonable efforts to contact you via the contact details associated with your account. If you elect to not be contacted by everup or fail to keep your contact details up to date we will not be able to inform you about any prizes that you may have won. We will not be liable for any prizes that are not claimed as a result of us not being able to contact you.
9.4. Winner Selection
- a) We administer the selection of all winners using random number generator software. Million Lotto draw results are independently provided by our business partner PIMS SCA.
- b) You fully accept and agree that this random number generator software will determine all outcomes of those Competitions. In the event of a discrepancy between the results displayed on your device, and a Competition’s records on our server, our records will be regarded as definitive.
- c) In the event of systems or communications errors relating to the generation of any result, bet settlement or any other element of a Competition, we will not be liable to you as a result of any such errors and we reserve the right to void all related bets and plays on the Game in question.
9.5 Consent to use your name
- a) When you claim your prize, you consent to us publishing your name and home city on the “winners” page of our app and website.
- b) You can withdraw this consent by contacting support@everup.uk
9.6. Disqualified entries. We reserve the right to disqualify your entry and void any prize if we reasonably believe that:
- a) you have tampered with the entry process or the operation of the Competition or entered by fraudulent means;
- b) you have breached any applicable provision of our Terms (including these Competition Rules) or any Applicable Law;
- c) you have, or have attempted to disrupt or undermine the legitimate operation of a Competition; or
- d) you have abused, threatened or harassed any other user of the Services or our Staff.
No entries from agents, third parties, syndicated entries or those made using methods such as a computer macro, script or the use of automated devices are permitted and no bulk entries are permitted.
9.7. Errors and discrepancies.
- a) All times specified in these Competition Rules are in GMT (or BST, if daylight saving hours apply).
- b) Our Service’s database clock will be the official timekeeper for all Competitions.
- c) We are not responsible for any incorrect, incomplete, inaccurate, or untimely submission of entries, whether caused by you, our equipment or software, or by any technical or human error which may occur in the processing of the entries in the Competition.
- d) We accept no responsibility or liability for any error, omission, interruption, deletion, theft or destruction, or unauthorized access to, or alteration of entries.
- e) We reserve the right to amend the details of any prize where an incorrect prize has been displayed as a result of any bug, virus, software glitch or manifest error. We will make any such amendments promptly once we are made aware of any such error.
- f) In the event of a dispute over the identity of a winning participant, we will deem the winner to be the authorized account holder of the email address associated with the Profile from which the entry was submitted. In this context, “Authorized account holder” is the natural person who is assigned to an email address by an internet access provider, on-line service provider, wireless carrier, or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address.
9.8. Liability
- a) The limits of our liability to you and your liability to us in relation to any Competition are set out in paragraphs 15to 17of the Terms. Please read those paragraphs very carefully as they affect your legal rights, remedies and obligations.
- b) The Competitions are not provided, managed, administered or operated by our Partner Institution(s). You acknowledge that our Partner Institution(s) shall not have any liability to you in connection with any Competition that you enter via our Services.
