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Posh Saver T&Cs Jan 2026

Membership is strictly by invitation only, provided via partners such as mobile providers, banks, or payment card issuers.

Membership Offerings

Life Membership£20,000
Fashion Membership£4,000
Dining Membership£2,000
Fashion + Dining£5,000

Membership fees are non-refundable and non-transferable once purchased. Payments are accepted in GBP only.

Invoicing & CreditsInvoices must be submitted via WhatsApp to the designated number (+44 7939 999882) during the period of your membership eligibility. Your earned credit will be calculated and transferred to your Posh Saver wallet by the 15th of the following month.

Credit Redemption

Wallet credit may be redeemed globally across eligible categories, including but not limited to:
20%Credit redemption for refundable and non-refundable hotels, attractions, activities and experiences.
15%Credit redemption for retail and dining gift cards.
10%Credit redemption for flights, trains, ferries, cruises, car rentals, musicals, theme parks and more.
All wallet credit requires a minimum of 14 days’ notice to redeem and must be processed via the GTO Team in accordance with the GTO T&Cs, available at: https://gtomembers.com/terms-conditionsPosh Saver wallet credit cannot be redeemed in conjunction with GTO standard membership discounts, promotional discounts or credit types.All submitted invoices must be paid exclusively via Mastercard.Members may earn up to 25% credit on qualifying invoices, depending on their membership tier. Annual credit earning is capped per tier as follows:
  • Life: £100,000
  • Fashion: £20,000
  • Dining: £10,000
  • Fashion + Dining Package: £25,000
Membership validity is one year from the activation date. Following expiry of your membership, you may renew using a new activation code from your sponsor to continue earning credit.If your credit cap is reached before the end of the year, your earning ability will pause until renewal. You may reactivate under the same process, and any new credit will be added to your existing wallet balance (e.g. if the Dining membership cap of £10,000 is reached before the end of the year, a new activation code is required to continue earning).Credit earnings are exclusively available to active members who have registered by invitation and completed the applicable tier enrolment.Members may use redeemed credit to book for family and friends.Eligible purchases span luxury fashion, high-street retail, dining (from Michelin-star to casual dining), lifestyle and tech, retail and dining gift cards, travel, experiences, supermarkets, and more.Ineligible expenses include alcohol and tobacco. If an invoice includes alcohol or tobacco is submitted, credit will be voided for the entire invoice, including any otherwise eligible items.Wallet credits are non-transferable, unredeemable for cash, non-refundable, and may only be used within eligible categories. They remain available until redeemed or forfeited if membership lapses.Any fraudulent, duplicate, or misleading invoice submissions, item misclassification, or attempts to exceed credit limits may lead to rejection, suspension, or termination of membership.Credit eligibility is determined after we receive your valid invoice submission (via WhatsApp, in photo or PDF format) and confirmation that it meets all our requirements (eligible spend, no excluded items, clear formatting). You may be asked to resubmit or provide additional documentation.If an incorrect amount is credited or a credit needs adjustment, please contact support promptly. We will review and correct any errors in accordance with our credit issuance policy, which may include reversing or topping up credit as appropriate.
Posh Saver may reject invoice submissions if:
  • The image or scan is illegible, blurry, or incomplete.
  • The required invoice details (merchant information, spend amount, or date) are missing or obscured.
  • The invoice includes ineligible items such as alcohol, tobacco, gambling, or adult entertainment.
  • The invoice is duplicate or previously submitted.
We reserve the right to change or add to these terms and conditions without prior notice.
Posh Saver – Posh Saver