Best Cashback Websites & Apps in the UK (2025) | Save Money on Every Purchase
The Best UK Cashback Platforms
My two favourite get-paid-to sites that I use. There are alternatives listed further down, but these are the two sites I use the most.
Topcashback
- BeermoneyUK's favourite cashback site.
- Cashback at 1000s of popular online stores.
- Cashback on giftcards via Topgiftcards.
- Some offers do take a while to credit
* Get a £10 bonus when you sign up with the link above and earn your first £10 in cashback. If you use Topcashback a lot, upgrade from the free to the £5/year membership for more cashback.
NX Rewards / Complete Savings
- Up to 20% off One4All Giftcards
- Gives a discount rather than cashback.
- 2% cashback for submitting instore receipts.
- £15/month fee (but can get it refunded)
With NX Rewards, shop each month at any cashback retailer and reclaim your membership fee. If you sign up to Complete Savings, you must shop at the retailer you signed up via. See the full list of Complete Savings Merchants here.
The Best UK Cashback Apps
Cashback apps give instant cashback for purchasing giftcards. You can buy Tesco, ASDA, Morrisons giftcards and get ~4% cashback. These are the best apps for that:
EverUp
- Discounts for 100+ shops
- Bonus points every time you earn cashback.
- £10 minimum withdrawal
- Link below gives ~£1.50 bonus
* Get 10M bonus coins worth ~£1.50 when you use the Scrimpr EverUp link and earn your first £10 in cashback. Use bonus code: REF-SCRIMPR
Airtime
- Flat 4% across all offers
- App offers additional cashback
- £10 minimum withdrawal
- Link below gives £2 bonus
* £2 bonus applied to your account when you spend with a linked retailer within 7 days. Bonus code: BPEWXLJ
My Cashback Tools: Find the Best Deals Instantly
Stop wasting time checking multiple apps for the best supermarket gift card rates. Our tool instantly compares cashback percentages across all major platforms including TopCashback, Jam Doughnut, EverUp, and more. Updated daily to ensure you always get the highest possible cashback on your grocery shopping.
Complete list of UK cashback platforms
Anyone that knows me from r/beermoneyuk will know that I love signing up for apps and services for cash. And I love making the most of my money by claiming cashback on all of my purchases. I’ve joined every cashback site/app available. Many of these are worth signing up for just to claim the referral bonus…
Complete Guide to Cashback: Everything You Need to Know
I’ve listed the best cashback platforms above, but if you want to really make the most of cashback, there’s more to know. Here’s how these sites actually work, and some tricks to get even more money back.
Save Money on Every Purchase with Top UK Cashback Sites and Apps
As prices for everyday essentials continue to rise, finding ways to cut costs is more important than ever. According to recent data, UK households spend an average of £3,800 a year on groceries (NimbleFins | AHDB). Households also spend an average of £1000 a year on fuel to get around (Office for National Statistics). With this in mind, cashback websites and apps offer a simple way to reduce your spending by earning money back on purchases you already make.
Many supermarkets and retailers also budget cashback offers into their pricing strategies, meaning that by not using these platforms, you’re leaving money on the table. It’s a smart and easy way to cut costs on your everyday essentials like groceries and fuel, without changing your shopping habits.
How Much Can You Save with Cashback Sites?
By taking advantage of cashback offers on everyday purchases, you can recieve anywhere from 1% to 10% back at the supermarket and almost every other shop (online and in-store). Some platforms even provide bonuses for first-time users or for referring friends (check out the list below), allowing you to maximize your rewards.
For example, supermarkets generally offer around 4% cashback on groceries and fuel. Using the official numbers, a typical household could potentially save up to £192 per year (4% of £4,800) through cashback offers on groceries and fuel. This makes cashback platforms a valuable tool for cutting down on regular expenses like food and fuel.
What Are Cashback Websites and How Do They Work?
Cashback websites act as intermediaries between shoppers and retailers. When you click through a cashback site before making a purchase, the cashback site earns a commission from the retailer for referring you. Instead of keeping all that commission, the cashback site shares a portion with you – that’s your “cashback”.
Types of UK Cashback Platforms Compared
Cashback Debit Cards
Several UK banks and FinTech companies now offer debit cards with built-in cashback features. Uphold offers 1% cashback on almost all spending (details here). Current accounts like Chase, Nationwide FlexDirect, and Santander’s Edge account also have cashback debit cards – although there are stricter restrictions on what qualifies for cashback on these bank debit cards.
Traditional Cashback Websites
Sites like TopCashback and Quidco focus primarily on online shopping. You visit the cashback site first, then click through to the retailer to shop as normal. They offer the widest range of retailer partnerships and often the highest rates for big purchases like holidays, insurance, and utilities. Best for: planned online shopping and switching service providers.
Cashback Apps
Apps like EverUp, Airtime Rewards, and Jam Doughnut specialize in mobile shopping and gift card purchases. They typically offer instant cashback when you buy gift cards for in-store use. Best for: high-street shopping and retail purchases.
Card-Linked Offers
Services that connect directly to your payment cards (like Airtime Rewards) track purchases automatically without needing to visit a website first. You simply register your card once, then earn cashback whenever you shop at participating retailers. Best for: everyday spending where you might forget to claim cashback.
Receipt Scanning Apps
Apps that reward you for uploading photos of your shopping receipts after purchase. While technically not pure cashback, these complement cashback sites well. Best for: claiming multiple rewards from a single shopping trip. Check out my complete list of cashback debit cards to find the best options.
Cashback Debit Cards
Several UK banks now offer debit cards with built-in cashback features. Cards like Chase’s 1% cashback debit card, Santander’s Edge account, and Halifax Cashback Extras provide automatic cashback on everyday spending without requiring any additional apps or websites. These typically offer lower rates (0.5-1%) than specialized cashback platforms but work completely passively. Best for: everyday spending where convenience is prioritized over maximum returns.
Pro tip: For maximum rewards, combine multiple cashback methods – use a cashback debit card while also shopping through cashback websites or apps. This way you’ll earn both the cashback from the platform AND from your card. Check out my complete list of receipt scanning apps to find the best options.
Most cashback sites are free to join, though some premium services like NX Rewards charge a monthly fee (which can typically be reclaimed if you remember to do so each month).
Top Cashback Categories for Maximum Savings
Groceries and Everyday Essentials
With food prices much higher than they ever were, supermarket cashback should be an essential for all households. Supermarket gift cards typically offer 3-5% cashback, with occasional promotions pushing this to 7-10%. Most UK supermarkets participate, including Tesco, Sainsbury’s, ASDA, Morrisons, and Waitrose.
Popular apps for supermarket cashback include EverUp, Jam Doughnut, and TopCashback’s TopGiftcards service.
Travel and Holidays
Travel bookings often feature the highest cashback percentages:
- Hotels: 5-12% on major booking sites
- Flights: 1-4% on airlines and comparison sites
- Package holidays: 2-8% on travel agencies
- Car hire: 6-12% on rental services
TopCashback and Quidco typically offer the best travel cashback rates. Always book travel through these platforms to avoid leaving significant money on the table.
Energy and Utility Switching
Energy, broadband, and mobile contract switches can earn substantial fixed cashback amounts:
- Energy suppliers: £30-£60 per switch
- Broadband packages: £50-£120 for new contracts
- Mobile contracts: £30-£100 for new plans
Quidco Compare and TopCashback often have exclusive utility switching deals that other platforms can’t match.
Banking and Financial Products
Financial products offer some of the highest-value cashback opportunities:
- Credit cards: £10-£30 for approved applications
- Current accounts: £50-£150 for switching banks
- Insurance policies: 5-25% cashback on premiums
- Investment platforms: £50-£250 for new accounts (depending on deposit amount)
Always check the specific requirements to qualify for financial product cashback, as these often have the strictest terms.
Common Cashback Problems and Solutions
Tracking Issues
Problem: Your purchase doesn’t track or show in your cashback account.
Solution: Always clear cookies before clicking through to retailers, disable ad blockers when using cashback sites, and take screenshots of your orders. Most platforms have missing cashback claim forms if tracking fails.
Payment Delays
Problem: Cashback takes months to become payable.
Solution: Be aware of typical tracking times for different retailers (travel and financial products are notoriously slow). Plan your withdrawals around these timeframes and consider platforms with faster payment options for urgent needs.
Account Restrictions
Problem: Cashback account limitations or suspensions.
Solution: Carefully follow platform terms of service, avoid using VPNs when making tracked purchases, and maintain consistent personal details across all shopping activities.
Declined Cashback
Problem: Tracked cashback later shows as declined.
Solution: Always check exclusions before purchasing (some sale items, discount codes, and multi-buy offers may invalidate cashback). Keep detailed records of purchases to contest unfair declines.
Cashback FAQs: Everything You Need to Know
Is Cashback Taxable in the UK?
For most users, cashback is considered a discount on purchases rather than income, so it’s not subject to tax. However, if you’re earning substantial amounts from referral bonuses or operating as a business, it may be taxable. Consult with a tax professional if uncertain.
How Long Does Cashback Take to Process?
Tracking typically appears within 24-72 hours, but the time until cashback becomes payable varies by retailer—from a few weeks to several months. Quick-paying categories include retail shopping (2-4 weeks) while slow categories include travel and financial services (3-6 months).
Can I Use Discount Codes with Cashback?
It depends on the platform and retailer. Some sites allow specific “approved” voucher codes while others invalidate cashback if any code is applied. Always check the cashback site’s terms for each retailer before applying discount codes.
What Happens if a Retailer Goes Bust Before Cashback is Paid?
Unfortunately, if a retailer goes into administration before paying the commission to the cashback site, you may lose your pending cashback. This is why it’s often worth accepting slightly lower “accelerated” cashback options when available for troubled retailers.
Do Cashback Rates Apply to VAT and Delivery Charges?
This varies by retailer. Some calculate cashback on the total spend including VAT and delivery, while others only apply it to the product price. The cashback site’s retailer page usually clarifies this information.
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