Safe spending card — supported person journey

An accessible onboarding flow for a person who wants help managing spending. Identity comes from their existing bank through OneID; their chosen supporter can see activity but cannot move money or pay.

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A safer way to spend day to day

Keep most of your money in your usual bank account. Your Safe Spending Card tops itself up when you use it.

✓

Your money stays with your bank

Only a small amount moves to the card when it is needed.
✓
You stay in control You choose a supporter and can ask us to change them.
✓
Extra visibility Your supporter can spot something unusual and talk to you.
✓
No payment access Your supporter cannot spend, transfer or withdraw your money.
Get started
You can pause and come back at any time.
1. Start at the financial services provider
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How supported payments work

Two people are connected, with clear and separate permissions.

A

You use the card

Pay in shops or online. The card keeps a small amount ready and tops up from your linked bank account.
S

Your supporter keeps an eye on things

They see your card transactions and balance. They cannot make a payment or change your top-up.
Top-up
Your bank
main balance
→
Safe card
small balance
After each purchase, the service brings the card back up to its safe minimum balance.
This works for me
Talk to someone first
2. Explain roles and threshold top-up
OneID Bank ID verification
9:41×

Let’s confirm your identity

🇬🇧  United Kingdom⌄
By continuing you agree to OneID’s terms and privacy policy.

◉ Using a UK bank⌄

  • No document, no selfie
  • Share proof of ID from your bank
  • No one sees your banking information

◇ Mobile Network

Instant check using your mobile number.
Verify by bank
3. Choose Bank ID verification
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Select your bank

Personal bank account only
4. Select an existing bank
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Continue with Bank

1
At Bank, choose the account to verify your identity from.

OneID is FCA-regulated and does not see your financial transactions.

2
Agree to sharing information with OneID
Information to be shared
Full name
Date of birth
Address
Account number
Sort code
Go to Bank
5. Review the bank hand-off
6. Log in to your bank with Face ID
9:41Bank🔒
Bank

Select account

Choose the account associated with the data you want to share with OneID. No payment capability will be granted.

What will I be sharing?
1 account selected

Bank permission

This is a one-time identity share. Harbour Financial cannot access transactions in this verification step.
Confirm access
Cancel
7. Select the bank account
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Share data with Harbour Financial

Only these identity and account details are shared. Transaction history is not included.
Share
8. Consent to the identity share
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Your bank has confirmed your identity

Only the details needed for this application were shared.

✓

Alex Morgan

Verified by Bank with OneID · today at 9:41
Harbour Financial received
✓
Name and date of birthFor identity and eligibility checks.
✓
Home addressFor checks and card delivery.
✓
Linked bank account detailsFor threshold top-ups, subject to a separate payment consent.
Continue
9. Return verified to Harbour
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Who would you like to support you?

Choose someone you trust, such as a family member, friend or carer.

Sam Morgan
Family member  ⌄
sam.morgan@example.com
07700 900 456

We will contact Sam

We will email a secure invitation. Sam must verify their own identity and agree before the connection is active.
Review invitation
Check the email carefully before continuing.
10. Choose a trusted supporter
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Check what Sam will be able to do

You can change your supporter later by contacting us.

Sam can
✓
See card transactions Merchant, amount, date and whether it was declined.
✓
See the card balance And whether an automatic top-up is pending.
Sam cannot
×
Make or approve payments
×
Move, withdraw or receive your money
×
Change your account or card settings
✓ I understand these permissions and want to invite Sam Morgan.
Send secure invitation
11. Give informed permission
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Waiting for Sam to connect

Your part is complete. We sent the invitation to sam.morgan@example.com.

…

Pending connection

Your Safe Spending Card will be ready after Sam verifies and accepts.
Progress
✓
Your identity verified
OneID Bank ID · complete
✓
Invitation sent
Today at 9:48
3
Sam verifies and agrees
Waiting for Sam
4
Your card is issued
Usually within 3–5 working days

Need help?

You can resend the email, use another address, or ask us to help Sam complete their part.
Go to my account
Manage invitation
12. Pending connection
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You and Sam are connected

Your supported payments account is now ready.

✓

Sam Morgan accepted

Identity verified with OneID Bank ID · 10:14 today
Safe Spending Card

Card ending 2841

£40 safe minimum balance
Northbank
linked
→
Safe card
top-up ready
✓
Card ordered Expected Tuesday 27 October
✓
Automatic top-ups ready Initial pull, then after each card transaction.
✓
Sam has read-only access They can see activity but cannot pay.
View my account
13. Connection complete and card issued
9:41 Safe Spending ●●●●
CARD ACTIVE

Good morning, Alex

Available on your Safe Spending Card

£43.20
↻

Top-up complete

£18.40 moved from Northbank after your supermarket purchase.
Recent card activity
Greenway Supermarket
Today, 09:12 −£18.40
Corner Café
Yesterday, 12:35 −£6.80
Automatic top-up
Yesterday, 12:36 +£6.80
S

Sam is connected

Sam can see these transactions. Sam cannot use your card or move money.
View card details
Get help
14. Everyday account view