On the 30 September I do not have enough Coutts Crowns to redeem a reward what can I do?

Those Crowns earned during the period 1 October to 30 September must be used to redeem a gift before the 31 March of the following year, at which point if they remain unused they will expire. However, any Crowns earned in the new annual cycle can be added to the expiring Crowns up to 31 March to potentially reach a value of a gift that can be redeemed - the minimum gift value is 25,000 Crowns