Complete Savings Review

Complete Savings is a paid cashback website run by Webloyalty, the company behind NX Rewards and MyTime Rewards. It offers at least 10% cashback at most of its 1,000+ retailers, considerably more than free cashback sites like TopCashback and Quidco usually pay.

Unlike those sites, Complete Savings charges a monthly membership fee, usually £18. You can get that fee back by claiming a Monthly Bonus after making a qualifying purchase.

There’s more to it than online cashback. Depending on your membership, you can also get discounted gift cards, in-store cashback and other rewards.

You can’t sign up directly through the Complete Savings website. Instead, you join through an offer from a participating retailer, often displayed after making a purchase.

I’ve used Complete Savings on and off for years, and my membership has changed quite a bit during that time.

I originally joined through eBay. Back then, my Monthly Bonus was tied to eBay, which meant I had to buy something from eBay every month to claim it.

Most months that wasn’t a problem. But if I didn’t need anything, I’d find something cheap that I wouldn’t mind buying.

One month, I bought myself some fancy mint chocolate dominoes.

They were nice enough, but the only reason I went looking for them was that I needed an eBay purchase to claim my Monthly Bonus.

That’s the slightly ridiculous thing about Complete Savings. You can have access to some of the best cashback rates around, but still end up buying chocolate because you need to satisfy the membership conditions.

Why I switched to NX Rewards

I eventually moved to NX Rewards, another Webloyalty cashback membership.

The reason was simple: I could join through National Rail and get a more flexible Monthly Bonus arrangement.

Instead of needing to buy something from one particular retailer every month, my membership allowed me to use receipts from other qualifying purchases, including in-store shopping.

That suited me much better. I didn’t have to invent a reason to buy something just to get the fee back.

NX Rewards offered similar high cashback rates, so I could carry on using it much as I had Complete Savings.

Why I moved back to Complete Savings

Then NX Rewards removed several retailers, including eBay.

That made it less useful for my online shopping, so I moved back to Complete Savings.

This time, I joined through National Rail rather than eBay.

Importantly, the offer I joined through gave me the more flexible Monthly Bonus arrangement, allowing me to claim using other qualifying receipts rather than making a purchase from one specific shop each month.

That’s the membership I have now.

This is why I always tell people to read their Membership Pack. Two Complete Savings members can be paying the same monthly fee but have different Monthly Bonus conditions.

Someone joining through a retailer might need to shop there every month. Someone with an eligible National Rail offer may have different rules.

I wouldn’t assume that the terms I’ve got are the ones you’ll receive.

How I use it now

My current routine is straightforward.

Before buying anything online, I check Scrimpr’s cashback comparison tool to see which site pays the most.

If the retailer is on Complete Savings, that’s usually where I buy. If it isn’t, TopCashback is often my next choice.

I also claim my £18 Monthly Bonus every month, buy discounted gift cards when there’s a good offer, and claim cashback on eligible in-store receipts.

It’s become part of how I shop rather than something I have to think about.

I’m a paying Complete Savings member, and the screenshots in this review are from my own account.

As of November 2026, my account shows £728.24 in total membership earnings.

I’ve also included examples of my Monthly Bonus claims and discounted gift card purchases, rather than relying on the rates advertised on the website.

I run Scrimpr’s cashback comparison tool, which checks rates across 11 cashback sites and apps every day. This means I can compare Complete Savings against the alternatives rather than simply assuming its advertised 10% is the best rate.

I’ve used the official Complete Savings Terms of Service, effective 3 June 2026, for the standard membership rules. Where my own membership has different conditions, I’ve explained that separately.

You pay a monthly membership fee in return for access to several cashback and savings benefits.

Online cashback

Complete Savings pays a minimum of 10% cashback at most participating retailers, although some have higher promotional rates.

To earn cashback, you need to start your purchase through Complete Savings and follow the retailer’s tracked link.

The retailer then pays a commission for your purchase, and Complete Savings credits the cashback to your account once the transaction has been confirmed.

Cashback is usually calculated on the eligible purchase amount excluding VAT, delivery charges, other fees and promotional credits.

There’s a £250 cashback limit per calendar month.

The Monthly Bonus

You can claim a Monthly Bonus once each calendar month after making a qualifying purchase.

The bonus usually matches your membership fee. For me, that’s £18.

Your Membership Pack determines which purchases qualify. Under the standard terms, it’s normally a purchase from the retailer you joined through, unless your offer lists other eligible retailers or purchases.

Welcome Reward

New members may receive a one-off Welcome Reward.

Depending on the joining offer, this might be based on the original purchase that led to your membership, or you may need to make another qualifying purchase.

The reward is paid within 10 working days of a valid claim.

Discounted gift cards

Eligible members can buy selected gift cards at discounts of up to 20%.

The available retailers, discounts and monthly purchase limits depend on the offers available through your membership.

In-store and receipt cashback

Complete Savings has two separate benefits for shopping away from its website. Card-linked in-store offers pay the rate shown on each offer. Offline cashback pays up to 2% of what you spend at the high-street stores of retailers on Complete Savings, up to £20 a month, and I claim it by emailing a photo of my receipt.

The standard card-linked offers require you to link an eligible payment card, activate the retailer’s offer and pay using the qualifying card.

My own membership also gives me access to receipt-based cashback claims, which I’ll explain below.

These aren’t necessarily the same process, so it’s important to follow the instructions shown in your own account.

One of my favourite benefits is the 2% cashback I can claim on eligible in-store receipts.

It’s something I’ve come to appreciate more than I expected.

With online cashback, I have to remember to visit the cashback website before making the purchase and then wait for everything to track.

With my receipt cashback, I can make an eligible in-store purchase and submit the receipt afterwards.

I’m also a member of MyTime Rewards, which has a similar 2% cashback benefit.

I use the same eligible receipts to claim 2% through Complete Savings and another 2% through MyTime Rewards.

That means I can effectively get 4% back on a qualifying purchase.

For example:

That’s £4 back on shopping I was going to do anyway.

It’s especially useful for ordinary in-store spending, where traditional online cashback sites aren’t much help.

There are limits and eligibility rules, of course. Both programmes have their own conditions, and I make sure the purchase qualifies under each before claiming.

I wouldn’t assume every Complete Savings member can use this exact arrangement. Your membership may offer card-linked cashback, receipt claims or different conditions, and you need to check what your account actually provides.

But for me, the receipt cashback is one of the reasons I keep both memberships.

It’s a useful reminder that Complete Savings isn’t just about the headline 10% online cashback rate.

The Monthly Bonus is the most important part of the membership.

For most people, it’s the difference between Complete Savings being an excellent cashback site and an expensive subscription.

I pay £18 a month and claim an £18 Monthly Bonus, so the two effectively cancel each other out.

My most recent bonus was approved on 8 November 2026, for a purchase made on 5 November.

How to claim it

Under the standard terms:

1. Make a qualifying purchase during the relevant calendar month.
2. Check that it meets the retailer requirements in your Membership Pack.
3. Submit your claim before the end of the month.
4. If the purchase doesn’t track, upload the required receipt within 30 days of the purchase.

There’s no minimum purchase amount under the standard Monthly Bonus conditions.

You also can’t use the same order to claim both your Welcome Reward and Monthly Bonus.

Why the retailer you join through matters

If your membership requires you to shop at a particular retailer every month, choose somewhere you genuinely use.

My old eBay arrangement worked, but it wasn’t ideal. Some months I was buying something purely to qualify.

The more flexible National Rail arrangements I’ve had through NX Rewards and Complete Savings are much better suited to how I shop.

But again, don’t assume joining through National Rail will automatically give you the same terms I have. Check the actual offer and Membership Pack before relying on it.

My advice is to set a monthly reminder regardless of which offer you join through.

Even with a flexible arrangement, forgetting to submit the claim can cost you £18.

The gift card offers are another reason I like Complete Savings.

My most recent purchase was a £100 One4all gift card for £80, approved on 11 November 2026.

That’s a £20 saving, or 20%, on a gift card I can use at participating retailers.

Unlike tracked cashback, where there’s always a chance something won’t track or will be declined later, the gift card discount is applied when I buy the card.

It’s a different type of saving, and sometimes that’s preferable.

How much can you buy?

Under the standard gift card terms, eligible members can purchase:

• Up to £100 a month from the Top Offers selection, which can include discounts of up to 20%.
• Up to another £100 a month from gift cards offered at variable discounts.

Not every membership includes gift cards, and the available selection can change.

Purchases generally can’t be cancelled, and gift cards can’t be exchanged for cash.

Can you combine gift cards with cashback?

Sometimes, but you shouldn’t assume so.

Many retailers exclude purchases paid for with gift cards from their online cashback offers.

That means buying a £100 gift card at a 20% discount doesn’t necessarily let you earn another 10% cashback when you spend it.

Always check the retailer’s terms before trying to combine the two.

For me, discounted gift cards are valuable in their own right. I don’t need to stack another offer on top for a 20% discount to be worthwhile.

1. It pays more than free cashback sites at most comparable retailers

This is the main reason I use it.

Complete Savings offers at least 10% cashback at most of its retailers, whereas TopCashback and Quidco often pay considerably less.

There are exceptions, and I always check before buying, but Complete Savings wins the majority of the comparisons where both it and TopCashback have a comparable rate.

2. The Monthly Bonus can cover the membership fee

If you qualify and remember to claim it, the Monthly Bonus effectively cancels out your subscription cost.

That’s what makes the higher cashback rates worth having.

3. The gift card discounts can be excellent

I’ve personally bought a £100 One4all gift card for £80.

That sort of saving is hard to find through ordinary cashback apps, although you need the right membership and the offers are limited.

4. I can claim cashback on eligible in-store receipts

This is an underrated benefit for me.

Being able to submit eligible receipts through both Complete Savings and MyTime Rewards means I can earn cashback on everyday purchases without needing to use a traditional online cashback link.

5. There are occasional boosted cashback rates

In November 2026, Complete Savings was advertising rates including:

These promotions change, but they’re worth checking before making a larger purchase.

The monthly fee is easy to forget

This is the biggest issue.

The cashback rates are excellent, but if you forget to claim your Monthly Bonus, you’re paying £18 for that month.

That’s £216 a year if you pay the standard £18 fee for twelve months and never claim a bonus.

You would need £2,160 of eligible spending at 10% just to recover that amount through cashback.

Most regular users should be able to do better by claiming their bonus, but the subscription creates a financial risk that doesn’t exist with free cashback sites.

Membership terms aren’t consistent

I’ve experienced this myself.

My original eBay membership required a qualifying eBay purchase every month. My later National Rail arrangements have been more flexible.

The Monthly Bonus requirements, Welcome Reward and access to gift cards can all depend on the offer you joined through.

It makes the service harder to explain and harder to recommend without qualifications.

You can’t join directly

You have to find a promotional offer from a participating retailer.

That isn’t particularly convenient, especially if you want to join through a specific retailer or obtain a particular set of membership conditions.

Cashback is capped

Cashback is capped at £250 a month, online and in-store combined, and 2% receipt cashback has its own £20 monthly limit.

Most people won’t get close to these limits, but they matter if you’re making expensive purchases.

You can’t immediately rejoin after cancelling

Under the standard terms, you need to wait six months before rejoining.

Its advertising hasn’t always been clear

In October 2024, the Advertising Standards Authority upheld a complaint against Complete Savings advertising because the subscription conditions and reward requirements weren’t made sufficiently clear. You can read the ASA website ruling and the in-app advertising ruling.

I don’t think that makes Complete Savings a scam. I’ve used it for years and received substantial rewards.

But it does reinforce my biggest criticism: you need to pay attention to the membership terms.

Cashback tracking isn’t perfect, and Complete Savings is no exception to the usual risks.

To reduce problems, start your purchase through Complete Savings, allow the necessary cookies and avoid using discount codes that aren’t permitted under the retailer’s terms. See why cashback doesn’t track for more.

If a purchase doesn’t track, wait at least five working days before submitting a missing cashback claim.

The standard deadlines are:

Remember that these are the standard missing-cashback deadlines. Monthly Bonus claims have their own requirements, and you shouldn’t rely on the ordinary cashback claim window for those.

I wouldn’t treat tracked cashback as guaranteed money until it’s been confirmed.

Yes. Complete Savings is a legitimate paid cashback membership operated by Webloyalty Sàrl.

I’ve been a member for years, and my account shows £728.24 in total membership earnings.

The service itself isn’t my concern. The issue is whether people understand the subscription they’re joining.

Unlike TopCashback, where you can sign up for free and forget about your account for months, Complete Savings continues charging you until you cancel.

That’s perfectly manageable if you’re using the benefits, but not something I’d recommend ignoring.

How to cancel

You can cancel through the online cancellation service when you’re logged in to your account, or by contacting Complete Savings:

• Email: cancel@completesavings.co.uk
• Phone: 0800 389 6960

Membership renews every 30 days until cancelled.

Under the standard terms, outstanding payable cashback is transferred to your registered bank account after cancellation.

I’d recommend checking your renewal date and available balance before cancelling.

As of November 2026, my account shows:

My latest £18 Monthly Bonus was approved on 8 November 2026.

I also bought a £100 One4all gift card for £80, approved on 11 November 2026.

The £728.24 is the total membership earnings shown in my account, not necessarily the amount already transferred into my bank. The gift card discount is a separate saving.

These are my own figures, and I’ll continue updating them as I use the service.

Complete Savings is usually the first site I check when comparing cashback rates, and the numbers above show why.

The differences can be substantial. At eBay, for example, Complete Savings has been paying 10% compared with 1.1% through TopCashback. On £100 of eligible spending, that’s a difference of £8.90 before accounting for any membership costs or purchase restrictions.

That’s why I use Complete Savings so much.

Of course, TopCashback costs nothing to join. If you don’t claim your Complete Savings Monthly Bonus, the apparent advantage can disappear quite quickly.

My approach is to compare the rate before every purchase, rather than assuming either site will always win.

Complete Savings doesn’t have a conventional public registration page.

Instead, you join through an offer displayed by a participating retailer, sometimes after completing a purchase.

The retailer you join through can affect your membership conditions, so I wouldn’t simply pick the first offer you see.

1. Look at the Monthly Bonus conditions

Under the standard terms, you normally need to make a qualifying purchase from the retailer you joined through.

If that’s the case, choose somewhere you actually shop regularly.

My original eBay membership worked, but it wasn’t ideal for months when I didn’t need anything from eBay.

2. Check the membership fee

The usual fee is £18, but offers can differ.

Check the price, any trial period and when the recurring charge begins.

3. Read your Membership Pack

This is the important one.

Your Membership Pack sets out the Welcome Reward, Monthly Bonus conditions and other benefits included in your membership.

Don’t assume you’ll automatically receive discounted gift cards or the receipt-based Monthly Bonus arrangement I have.

4. Add your bank details

Complete Savings needs these to pay your cashback.

5. Set a Monthly Bonus reminder

I would do this immediately.

A recurring calendar reminder is a simple way to avoid losing money through a forgotten claim.

Complete Savings pays cashback directly to your registered bank account.

You can request a withdrawal once you have at least £5 available.

If you don’t request payment, qualifying cashback is paid automatically two months after your balance reaches £5, or when you reach the £250 monthly cashback maximum.

Bank transfers should arrive within 10 business days.

In my experience, cashback usually tracks within a week and can be withdrawn almost straight away, although it can take longer depending on the retailer.

As with any cashback site, I wouldn’t count the money as earned until the transaction is confirmed.

Complete Savings is the cashback membership I use most for online shopping, but it isn’t the cashback site I’d tell everyone to join.

I’ve used it for years, through several different membership arrangements, and my account shows £728.24 in earnings.

The 10% cashback rates are the main attraction. Complete Savings beats TopCashback at most of the retailers where Scrimpr has comparable rates for both.

I also like the discounted gift cards, and the 2% receipt cashback is particularly useful because I can claim another 2% through MyTime Rewards on the same eligible purchases.

But the membership conditions matter.

My original eBay membership meant finding something to buy every month, even if it was only a box of chocolate dominoes. My current National Rail arrangement is much more convenient, but not everyone will have those terms.

And if you forget to claim your Monthly Bonus, you’re paying £18 a month for the privilege of using a cashback site.

That’s why I give Complete Savings 4.0/5 rather than 5/5.

For someone like me, who already compares cashback rates and remembers the monthly claims, it can be excellent value.

For someone who just wants to earn cashback occasionally without thinking about membership fees, TopCashback is the better recommendation.

If you’re prepared to manage the subscription, Complete Savings is well worth considering. If not, stick with a free cashback site.

This review is based on my personal experience, account screenshots, Scrimpr’s cashback comparison data and the Complete Savings Terms of Service effective 3 June 2026. Cashback rates, membership offers and eligibility rules can change. Always check the terms of your own membership before making a purchase.