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Bulk gift cards for banking and finance
Reward customers for opening an account, activating a card or referring a friend, and thank the branch and sales staff behind them. Plum sends each gift card in seconds, from your app or a spreadsheet.
Trusted by teams at Google, Adobe, Nielsen and Western Digital
How to run a banking customer rewards program with Plum
Fund a wallet
Complete a one-time business check and add funds in your preferred currency.
Set the rules
Pick the actions that earn a reward, the value of each and how long each reward link stays open.
Connect and send
Trigger rewards from your app through the rewards API, or upload a spreadsheet. A second person can sign off first.
What you get
Customer rewards that fit how a bank works
Rewards API with a sandbox
Trigger rewards from your banking app or core systems, and test the flow first.
Certified and controlled
SOC 2 Type II and ISO 27001 certified, with role-based access and sign-off.
Email, SMS or WhatsApp
Rewards reach customers on the channel they already use.
Their choice of brand
Each customer picks a gift card they like from the Plum catalogue.
Customers in several markets
One order covers several countries, each in its own currency.
No stranded value
Set an expiry on reward links. Cancel unclaimed links and the value returns to your wallet.
Bank customer incentive programs for new accounts and referrals
A reward works best when it lands soon after the action. Plum sends the gift card the moment your systems say an account, a card or a referral counts.
- Welcome new customers once their account is open and funded.
- Thank customers who refer a friend, once the friendâs account opens.
- Publish clear terms, and check local rules on customer incentives with your compliance team.
Rewards along a customerâs first months
- 1
Account opened
A welcome card once the account is funded, under the terms you publish.
- 2
Card activated
A card for the first purchase, sent the same day.
- 3
Friend referred
A card for the customer who refers, once the new account opens.
Rewards for branch, contact centre and sales teams
The people who open accounts and answer customer calls hit targets every month. Send their rewards in bulk from one spreadsheet, or on set dates from your HR system.
- Reward branch teams for monthly or quarterly targets.
- Connect Workday, SAP SuccessFactors, BambooHR or Rippling for anniversaries.
- Each person picks a gift card for their own country.
A financial services rewards platform your risk team can sign off
Banks need to know who can send what, and to prove it later. Plum gives each team its own access, asks for a second personâs approval and keeps a record of every send.
- Give each team access only to its own programs.
- No reward goes out until a second person approves it.
- Download a report of every send for your audit file.
What your risk team will ask about
- Certifications
- SOC 2 Type II and ISO 27001
- Access
- Role-based access for each team
- Approvals
- A second person signs off each send
- Records
- Every send tracked live, with value, date and recipient
Use cases
How banks and fintechs use Plum rewards
Account opening
A welcome card once a new account is open and funded.
Card activation
A card for the customerâs first purchase on a new debit or credit card.
App adoption
A thank-you for the first log-in to your mobile banking app.
Customer referrals
A card for each friend who opens an account.
Customer feedback
Thank customers for answering a service survey.
Branch targets
Rewards for the teams that hit their monthly numbers.
Pay on issue, or pay on use
Plum runs on a pre-funded wallet. You choose when itâs debited.
Pay on issue
You pay the full card value the moment each card is sent.
- A fixed, known cost for every send.
- Suits awards and gifts, where every card gets used.
- Unused value stays with Xoxoday.
Pay on use
You pay only for the value people actually spend.
- Unused value goes back to your wallet.
- Suits survey incentives and campaigns, where some cards go unused.
Plum vs running customer incentives by hand
- Someone checks a report and buys cards
- Customers wait weeks for a promised reward
- One brand for every customer
- No check before money goes out
- Unclaimed cards are money lost
- Rewards sent when your app says the action counts
- Sent in seconds by email, SMS or WhatsApp
- Each customer picks a card they like
- A second person signs off
- Cancel unclaimed links and the value comes back
Trusted by global and US teams
HR and people teams use Plum to send rewards in the countries they operate in.
Kennametal
20+ countries
Xoxoday seemed easy to use, and we loved all of the gift card options our employees would have.
Madison Ruff
Senior HRIS Analyst
Our employees really like the Xoxoday rewarding process. The customer service that they offer is exceptional and commendable.
HR Business Partner
H&M India