It is not possible to avoid using the Stock Rewards programme.
You can use the Stock Rewards pocket to store your cashback and you are able to access your money from the main pocket immediately at any time.
You can choose literally any stock from our catalogue. Your chosen stock does not affect how much cashback you earn. By clicking the 'Redeem' button, you will immediately get all earned cashback plus any potential additional earnings (if the stock price has risen).
Please don't worry, additional earnings cannot be negative (even if the price of the chosen stock becomes zero). In other words, you will never get less money than the total cashback you've earned.