SHOOT FOR A MILLION.
BANK THE REST.
YOUR VAULT STAYS YOURS. EITHER WAY.
From £20 a month.
£15 builds your Vault. £5 unlocks your weekly Skill Tests and covers your account.
Take the weekly skill test. Qualify for the prize. Squad up with friends for shared bonuses.
No random draw. Qualification is earned through skill.
And your Vault stays yours. Either way.
The Twenty | UK Prize-Linked Savings & Skill-Based Rewards
What Is The Twenty?
The Twenty is a UK savings platform built around skill, not chance. Each month, your £20 contribution is split with purpose: £15 builds your personal Vault, which remains yours either way, and £5 unlocks your weekly Skill Tests and helps cover the cost of your Vault account. Qualifying for a shot at a growing prize pool is decided by a genuine Skill Test, not a random draw. Want to understand how it all fits together? Read The Twenty Journal for explainers and updates as we build.
What If I Don't Win?
Nothing happens to your Vault.
Your £15 monthly Vault allocation remains part of your balance regardless of whether you qualify for or win the weekly reveal. If you don't pass that week's Skill Test, or you pass but don't finish fastest, you simply wait for the next weekly cycle — your Vault is untouched either way.
How It Works
The Twenty at a glance
Building Toward a £1,000,000 Weekly Prize
The Twenty is building toward a £1,000,000 weekly prize.
Each week, eligible members get one shot at the Skill Test. Pass the test and you qualify for that week's prize reveal, where the fastest eligible member to crack the Vault wins.
The process is designed to be fair, transparent and independently verifiable, with every stage clearly defined.
A Smarter Way to Save
Your £20 minimum monthly contribution is split with purpose.
£15 goes into your personal Vault — money allocated to your Vault remains yours.
Your Vault is designed to grow through the Liquid Vault mechanism, with growth calculated daily. You can access your Vault balance in accordance with the terms of the service.
£5 unlocks your Skill Test opportunities in each weekly cycle that month, helps cover the cost of running your Vault account and supports the weekly prize pool. Many accounts charge a fee for access to better interest rates; the £5 plays a similar role for your Vault account.
There's no mandatory Direct Debit. You can set up automatic monthly payments or make one-off £20 contributions whenever suits you. Anything you contribute beyond the £20 minimum goes 100% into your Vault.
Join a Squad and Share the Journey
When all ten members stay active, your squad qualifies for eligibility toward the £5,000 Squad Share. If a member finishes fastest in the weekly reveal, the squad becomes eligible to receive their share. Shared commitment, shared potential.
Where Does My £20 Go?
Every pound, accounted for.
minimum / month
Your Commitment
£20 is the minimum. Add more, and it goes straight into your Vault.
→ your Vault
Your Personal Balance
Yours either way — access when you need it, subject to the terms.
monthly allocation
Skill Tests & Your Account
Your £5 monthly allocation unlocks one Skill Test opportunity in each weekly cycle that month and helps cover the cost of your Vault account.
That's less than £5 a week. £20 × 12 = £240 a year — with £180 of that going straight into your Vault.
£20 is the minimum, not a cap — only your first £20 each month is split; anything extra goes 100% into your Vault.
How £1M Becomes Possible
£1,000,000 isn't promised from day one. It's the destination.
A £1,000,000 weekly prize needs real scale behind it. We're building toward it in phases, not launching it on day one.
What Does Sufficient Scale Mean?
The exact participation threshold will depend on the final prize structure, operating costs, participation levels and regulatory requirements. We won't activate the £1M weekly reveal until the economics and infrastructure can support it sustainably.
Phase 1
Founding Community
Smaller prize events while we test the platform
Phase 2
Growing Prize Structure
Prize values scale with participation
Phase 3
£1,000,000 Weekly Reveal
The ambition, reached at sufficient scale
Read the full phased rollout on Our Story.
The Vault Architecture
Minimum Commitment
YOU DEPOSIT
£20
Into The Twenty
Allocation 01
£5COVERS YOUR ACCOUNT
AND WEEKLY SKILL TESTS
£5 unlocks your weekly Skill Tests, helps cover the cost of your Vault account and supports the weekly prize pool.
Skill Test
Skill Test Complete
Complete the weekly Skill Test.
Your result is verified against the qualifying criteria. Pass, and you're eligible for that week's prize reveal.
No spin. No random draw. Skill determines qualification.
Allocation 02
£15Goes Into Your
Liquid Vault
Your £15 allocation builds your personal Vault balance.
Your Vault is yours.
The Liquid Vault is designed to generate daily growth, with access to your balance subject to the terms of the service.
(Phase 3 Launch)THE FINAL MILESTONE
£1 MILLION
SKILL‑GATED ELIGIBILITY
Why not start at £1M?
Because The Twenty is designed to scale responsibly.
The prize structure grows through defined phases as the community grows, with the £1 million weekly reveal representing the final milestone.
Nearly convinced?
Click here to sign upSee your vault, live.
Track every pound, day by day.
Your £15 monthly Vault allocation is designed to remain separate from The Twenty's operating funds, with the final safeguarding and banking arrangement being established ahead of launch.
See exactly how your balance could grow over time with our interactive Vault calculator.
No hidden maths. No complicated statements. Just a clear view of your balance.
You're never capped at £20
£20 is the baseline monthly contribution for active participation.
Want to put more into your Vault?
You can add additional funds beyond your £20 contribution, with those additional funds allocated to your Vault rather than the weekly Skill Test mechanics.
The Vault is designed to provide liquid access to your balance, subject to the final terms and conditions.
Live Market Yield Analysis
Segregation PendingHow The Twenty Vault Compares
Indicative rates shown for illustration, correct as of publication. Traditional and high-street savings figures are approximate market averages, not tied to any specific provider. Rates are variable and subject to change.
How The Vault Could Grow
Illustrative Vault balance from your monthly contribution
£2,257
£1,800 contributed + £457 illustrative growth over 10 years
Of £20 a month, £15 goes into your Vault and £5 is your monthly allocation for weekly Skill Test access and the cost of your Vault account (not refunded). Anything above £20 goes 100% into your Vault.
*Illustrative rate only, not an offer or a promise. Rates are variable and not guaranteed, and the Vault's banking and safeguarding arrangement is still being finalised. Figures assume monthly deposits, ignore fees and inflation, and are not a forecast.
Built For Trust. Designed For Transparency.
Money products only work when people feel confident about where their money goes.
The Twenty is being built around transparency, clear rules and responsible financial principles — with straightforward information about how your money is allocated, how the Skill Test works and how the Vault operates.
Clear terms. Real access. No gimmicks.
Accessible By Design
Your Vault is designed to give you access to your balance when you need it, subject to the final product terms. No hidden exit penalties.
Independently Verifiable
The Twenty is being designed so that key processes — including the Skill Test and weekly reveal — can be independently verified for fairness and transparency.
Responsible Foundations
The Twenty is being built with robust controls, clear separation of funds and responsible risk-management principles at its core.
Skill Determines Qualification
The £1M reveal is gated by a skill test. You earn your shot.
The Honest Comparison
Where does your money actually go?
Three very different models. One simple question:
What happens to your money?
Betting Apps
Where your money goes
✕Your stake is used for the bet
If you don't win
✕Your losing stake is lost
Growth on your balance
✕No savings balance is created from your stake
Withdraw anytime?
✕There is no savings balance to withdraw from a losing bet
OUTCOME DETERMINED BY
✕Chance and the specific betting outcome
STANDARD SAVINGS
Where your money goes
–Your money remains in your savings account with the provider.
If you don't win
–There is no prize reveal — your savings simply remain yours.
Growth on your balance
–Interest may be paid, depending on the account and provider.
Withdraw anytime?
–Depends on the account terms.
Entry is gated by
–Not applicable.
THE TWENTY
Where your money goes
✓Of your £20 minimum, £15 is allocated to your personal Vault and £5 unlocks the weekly Skill Test, helps cover your Vault account costs and supports the weekly reveal. Anything extra you add goes 100% to your Vault.
If you don't qualify
✓Your Vault balance remains yours.
Growth on your balance
✓The Liquid Vault is designed to generate daily growth, subject to the applicable rate and terms.
Withdraw anytime?
✓Designed for accessible withdrawals, subject to the final product terms.
Entry is gated by
✓A Skill Test — not a random spin.
Seen enough and ready to join The Twenty?
Questions, Answered
Everything you need to know
🎲Is The Twenty designed as a skill-based competition?+
The Twenty is being designed around skill-based qualification rather than random chance. Each weekly opportunity requires participants to pass the Skill Test before they can enter Crack the Vault. The final regulatory classification of the product will be confirmed before paid participation launches.
🔓Can I withdraw my money?+
Yes. Your Liquid Vault is designed to be accessible. You can withdraw your £15 portion subject to standard processing times.
📅Do I have to set up a monthly Direct Debit?+
No. The Twenty is designed to be flexible — you can make your £20 monthly commitment whenever suits you. You can choose to turn on automatic monthly payments, or make a one-off payment yourself whenever you want.
💰How is the £1M going to be funded in Phase 3?+
£5 supports the weekly prize pool and participation infrastructure, and gives you one opportunity to qualify through the Skill Test each week.
🏦How is this different to Premium Bonds?+
Premium Bonds enter you into a random monthly prize draw. The Twenty takes a different approach: qualification for the weekly prize reveal is earned by passing a skill test, while £15 of your £20 stays in your own Vault either way. That's why we describe The Twenty as a modern-day alternative to Premium Bonds: the same simple idea of saving while having the opportunity to win a prize — but with skill-based qualification instead of a random draw.
🤝What happens if someone in my squad cancels?+
If a member drops out, your squad loses access to the £5,000 squad share until you're back to ten active members.
🏛️Is this regulated?+
The Twenty is currently in its founding phase and is not yet operating as a paid financial product. The applicable regulatory position and requirements will be confirmed before paid participation launches.
📉What happens if I fail the Skill Test?+
No entry that week — but nothing else changes. A new Skill Test unlocks the following week, so you get another shot.
🔐What is Crack the Vault?+
The final stage. Everyone who passes the Skill Test races the same combination live, in a short synchronised window. The fastest correct completion wins that week's reveal.
👥I don't have 9 friends — can I still join a squad?+
Yes. You can build your own squad or join one at random — you don't need to bring a full group with you.
🔞What's the minimum age to join?+
You need to be 18 or over. The Twenty isn't intended for anyone under that age.
🏦Where is my money held?+
Your £15 Vault portion is designed to be held in a segregated safeguarding account, separate from The Twenty's own operating funds — that arrangement is still being finalized ahead of launch. Full details are on our Security & Your Money page.
🛡️Is my money protected?+
The applicable protection will depend on the final structure and regulated banking partner. If FSCS deposit protection applies to the account holding your Vault funds, eligible deposits are currently protected up to £120,000 per person, per authorised firm. We will confirm the exact protection before paid participation launches.
🚪What happens if The Twenty closes?+
The Twenty hasn't launched yet, so no member funds are currently held or at risk. Once live, the £15 Vault portion is designed to sit in a segregated safeguarding account, separate from our own operating funds, specifically so it isn't exposed if the company were to close — full details will be published once that arrangement is finalized.
✋Can I cancel?+
Yes — you can turn off your monthly standing order at any time from your account. This stops future £20 payments; whatever's already in your £15 Vault remains yours and can be withdrawn as usual.
🧾Are there fees?+
No fees beyond your monthly £20 commitment — £15 to your own Vault, and £5 as your monthly allocation, which unlocks one Skill Test opportunity per weekly cycle and helps cover the cost of running your Vault account.
🏦What is the £5 a month actually for?+
Your £5 monthly allocation unlocks one Skill Test opportunity in each weekly cycle that month and helps cover the cost of running your Vault account, the secure, interest-earning account your £15 is designed to be held in. Many accounts charge members a fee for access to better interest rates, and the £5 plays a similar role here. It also supports the weekly prize pool. It isn't refunded whether or not you qualify or win, and the Vault's banking arrangement is still being finalised ahead of launch.
🎯What are my chances of winning?+
Every member who passes that week's Skill Test has an equal, genuine shot at that week's Crack the Vault stage — the outcome is decided by completion speed, not by how many people qualify. We don't publish odds, because your qualification depends entirely on your own performance, not chance.
🧠How does the Skill Test work?+
Three trials, each assessing a different skill under time pressure. Passing requires a combined score of 6 or higher out of a maximum of 9 across all three. Passing qualifies you for that week's Crack the Vault stage; a new Skill Test unlocks every week.
Your Squad Wins With You
One winner. Nine rewarded.
Build a Squad of up to 10 members. If one of you becomes the fastest eligible participant to crack the Vault, they take that week's prize — and the rest of your Squad doesn't miss out.
The winner's nine Squad members share a £5,000 Squad Bonus.
So even when one member takes the big prize, the whole Squad has something to celebrate.
Illustrative share: £555.56 per eligible Squad member, based on a £5,000 bonus divided equally between the other nine members. Final payout arrangements will be confirmed before launch.
Eligibility
Beat the test. Prove your skill.
The Twenty is designed around skill-based qualification rather than a random draw.
To qualify for a weekly prize reveal, eligible members complete a skill-based test designed to challenge focus, memory, logic and decision-making under time pressure.
Pass the qualifying test and you earn eligibility for that week's reveal.
What the test measures
- Numerical & quantitative reasoningFluid thinking and logical problem-solving.
- Decision-making under pressureMaking accurate decisions with limited time.
- Working memory & focusProcessing and retaining information while concentrating under pressure.
- Strategic thinkingIdentifying the best course of action quickly.
- ConsistencyMaintaining performance across multiple challenges.
The Journal
Ideas, Explanations & Updates
Explainers on saving, skill and how The Twenty works — plus updates as we build toward launch.
What is The Twenty?
Read ArticleHow Does The Twenty Work?
Read ArticleWhy We Chose £20
Read ArticleOur Promise
You will always know where your money goes.
You will always know how the Skill Test works.
You will always know how the winner is determined.
And we'll never hide the mechanics behind jargon.
Ready to join The Twenty?
Join the movement building toward a weekly prize reveal — skill‑gated, designed for independent verification, with qualification earned by passing the Skill Test.
Join The TwentyBefore You Join
The Twenty is currently in its founding phase. The £1,000,000 weekly prize represents our Phase 3 target and will only become active once the required conditions have been met. The final banking, safeguarding, eligibility and prize arrangements will be confirmed before paid participation launches.