Understand how Earn works
Your Earn balance pays a boosted reward when you've completed a qualifying action in the last 31 days, and 0% when you haven't.
Earn pays you daily on the money you hold in it. There are two rates:
A boosted reward when you've completed a qualifying action in the last 31 days
0% reward when you haven't
Your app shows which actions count for you — different actions are available depending on what you have access to – and your potential boosted rate, so check the Earn tab on Morse.
Your Earn Balance is separate from your main Morse Balance, so you can move money freely between your Morse Balance and Earn Balance, depending on how much you’d like to earn rewards on.
Earn is not currently available to Morse users in the UK or EU.
Boost your reward rate
Complete one qualifying action and your reward rate increases to the boosted rate.
Your boost lasts 31 days from your most recent qualifying action. Complete another before it runs out, and the 31 days start again from that one. Go 31 days without one, and your rate drops back to 0%.
Get paid every day
Interest builds each day and pays into your balance the following morning.
We pay in whole cents. If a day's interest comes to less than a cent, it carries over to the next day and pays out once it reaches a cent — so nothing's lost, but small balances won't pay out every day.
When your rate changes
Each day is paid at the rate that applied to you that day. If your boost runs out on a Tuesday, you're paid the boosted rate up to Tuesday and 0% after — we don't go back and change days you've already earned.
Earn is a promotional program. It's covered by the Promotional programs section of our Terms and the disclosures linked there — see General promotions for details.