FCA-regulated open banking connections to link and view bank accounts with customer consent. The service includes curated lifestyle experiences, such as access to selected events, travel-related perks, and partner offers designed for frequent spenders and travellers. Members receive 24/7 personal support for card issues, account queries, and concierge-style assistance related to their HY10 benefits. The offering targets individuals seeking streamlined payments, enhanced spending flexibility, and value-added experiences within a single financial services brand.