1. Download ubank app & enter code FZL7FZM 2. Make 5 purchases using Google/Apple Pay in person. Or use the physical card when it arrives. 3. Receive $30. What a great way to kick off 2025! Simply do as per above to get an easy $30. I got essential groceries by paying for the first 5 items individually to meet the 30 day timeframe to make the 5 purchases so I got paid the $30 ASAP.