First Transaction Reward program | Terms and Conditions

1. Eligibility

1.1. The First Transaction Reward program ("Program") is available to all Accountable Banking users who have successfully created a virtual card through Accountable Banking powered by Swan.

1.2. Eligible users are automatically enrolled in the Program upon virtual card creation.

1.3. A user may claim only one reward in total, regardless of how many virtual cards they create. A user can be enrolled in the Program more than once (e.g., after cancelling a card and ordering a new one), but only one reward may ever be claimed. Once a reward has been claimed, the user is excluded from the Program on any future card.

2. Program Mechanics

2.1. Participants can earn rewards by completing the following actions ("To-Do's") within 7 calendar days of virtual card creation:

#	To-Do	Reward per To-Do
1	Add your Accountable Banking card to Apple Pay or Google Pay	10 trial days (free/trial) or €10 Stripe credit (paid)
2	Make your first card transaction	10 trial days (free/trial) or €10 Stripe credit (paid)
3	Make 3 card transactions within 7 days (including the first)	10 trial days (free/trial) or €10 Stripe credit (paid)

2.2. The reward type depends on the participant's subscription status at the time of claim:

Free & trial users: trial days on the Taxes subscription (any existing trial days + days earned through the Program), applied when the user subscribes via Stripe checkout.
Paid users: Stripe credit, applied as a discount on the next invoice.

2.3. To-Do completion is tracked automatically based on system-detected events. Manual claims of completion are not accepted.

3. Claiming Rewards

3.1. Rewards must be actively claimed by the user. Earned rewards are not applied automatically.

3.2. Users can claim their reward once at least one To-Do is completed, or after the 7-day window closes (whichever comes first).

3.3. Upon claiming, the earned reward is applied according to the user's subscription status (see section 4).

3.4. For free and trial users, claiming starts subscription signup via Stripe checkout:

Web: the user is redirected to Stripe checkout, chooses a monthly or yearly plan, and the earned trial days are applied before billing begins.
Mobile app: the user sees a confirmation that the reward has been received, with instructions to check their email to complete signup. The checkout link is time-limited and expires, so users should act quickly.

For paid users, no checkout is required: the earned Stripe credit is applied automatically to the next invoice.

3.5. Claiming window: There is no fixed deadline, but a reward can only be claimed while the virtual card that earned it is active. If the card is closed before the reward is claimed, any progress and unclaimed reward are lost. Ordering a new virtual card restarts the Program from scratch: the To-Do's must be completed again on the new card before a reward can be claimed. In all cases, only one reward may be claimed per user (see 1.3).