I was discussing this with my wife last night.

If I don't know how to put my own money in, then I can't put it in and lose it.

Likewise if i take it out and put it in my bank account, then I must pay income tax on it.

But.......
If I leave it in my wallet and spend it online, then there is no tax to pay, sp I get to spend all of it :-)

I'm not thinking I'll get rich off this. I'm just playing about and seeing how thing work really. I'm not investing large enough sums of money to get a decent return.