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How to save money at H&M

Every way to pay less at H&M, compared across 3 cashback sites and 9 gift card apps. Rates checked daily.

5 cashback sites 9 gift card apps Checked daily
Shopping online 5% highest percentage rate, on KidStart
Go to KidStart*
Paying by gift card 7.6% back on the card from EverUp Works online too: pay with it and still use cashback, about 12.6% in total.
Go to EverUp*

Scrimpr compares cashback sites and gift card apps. We don't pay the cashback: the site or app does. Rates change, so check the current terms there before you buy. Links marked * can earn us a referral bonus, which never changes the ranking or what you get.

Ways to save at H&M

H&M cashback rates compared

What each site pays you for shopping at H&M online. Percentage rates first, highest first.

# Cashback site Cashback Type Action
1 KidStart 5% Percentage Go to site*
2 TopCashback 1% Percentage Go to site*
3 Quidco 0.8% Percentage Go to site*

Earn points instead of cash

These pay airline or Virgin points, not money. We value a point at about 0.5p to give a rough cash equivalent; what yours are worth depends on how you spend them.

# Programme You earn Rough cash value Action
1 Avios 8 Avios / £1 Worth about 4% at 0.5p a point Go to site
2 Virgin Red 8 Virgin Points / £1 Worth about 4% at 0.5p a point Go to site

Complete Savings lists 10%, but it's a paid membership you can only join through an offer at another shop's checkout, so it isn't ranked.

Cashback is often excluded on gift cards, marketplace sellers and orders using a voucher code the cashback site doesn't list. Check the site's H&M terms before you buy.

H&M gift card cashback

Buy a H&M gift card in one of these apps before you shop and get a share of its value back.

H&M gift cards work online and in store.

# Gift card app Back on the card Card works Action
1 EverUp 7.6% Online and in store Go to app*
2 TopCashback 7.5% Online and in store Go to app*
3 JamDoughnut 7.5% Online and in store Go to app*
4 Gains 7% Online and in store Go to app*
5 Sprive 7% Online and in store Go to app*
6 Airtime 7% Online and in store Go to app*
7 Quidco 5% Online and in store Go to app*
8 Lifestyle Gift Cards on TopCashback, swapped 5% Online and in store Go to app*
9 Custard 4.5% Online and in store Go to app*

Swapped cards: buy the card through the cashback site, then swap it for a H&M gift card (Lifestyle gift card online) and use that as normal. That cashback tracks like online cashback, so it pays out weeks later; the apps pay instantly.

Extra: EverUp takes debit cards, so paying with a debit card that gives cashback, such as the PayPal or Uphold debit card, can add a little more. Check the card's terms first: some exclude gift card purchases.

See H&M in the gift card comparison tool

H&M cashback rate history

The best percentage rate has stayed at 5% every day of the 136 days we have tracked H&M (since 21 Jun 2026). Gift card rates are tracked from 1 Nov 2026.

Cashback sites Gift card apps
0% 2% 4% 6% Jun Jul Aug Sep Oct Nov

How to save at H&M, step by step

Cashback, online

  1. Start at the cashback site

    Click through to H&M from the top site above.

  2. Check out in one go

    Same browser and session, with ad-blockers and coupon extensions off.

  3. Wait for it to confirm

    It tracks in days and pays once H&M confirms the order, often weeks later.

Gift card

  1. Buy the card in the app

    Pick the top app above and buy a H&M gift card for what you plan to spend.

  2. Get your money back

    The app adds 7.6% of the card's value to your account. Pay for it with a cashback debit card for a little extra.

  3. Pay with the card

    Use it at checkout like any other gift card.

Cashback missing? See the cashback guide.

H&M savings and cashback FAQs

What is the best way to save at H&M?
Right now: pay with a discounted H&M gift card, 7.6%. Buy it in EverUp before you shop. The card works online and in store.
How do I get cashback at H&M?
Start at a cashback site like KidStart, click through to H&M and shop as normal in the same session. The site pays you a percentage back once H&M confirms the order.
Which cashback site pays the most for H&M?
KidStart has the highest percentage rate, 5% right now. We check every site daily.
Can I save at H&M with a gift card?
Yes. Buy a H&M gift card in an app like EverUp and you get up to 7.6% back on the card. They work online and in store, so you can pay with one and still click through a cashback site for an online order.
How long does H&M cashback take to pay out?
Tracking usually shows within a few days. It becomes payable later, often weeks, because the site waits until H&M confirms the order and the returns window has closed.
Can I use a voucher code and still get cashback at H&M?
Only codes listed on the cashback site itself. A code from anywhere else can override the tracking and void your cashback.
Why didn't my H&M cashback track?
Usually an ad-blocker, a coupon browser extension, or not finishing checkout in the same session. Start from the cashback link, turn off blockers and complete the order in one go.