A Complete List of UK Cashback Debit Cards

Complete list of UK cashback debit cards
Maximising rewards on every transaction is essential for getting the most from your spending. Cashback debit cards are one of the best ways to do that.
These debit cards give you money back on purchases automatically, making them one of the easiest ways to boost your earnings on everyday spending.
I have most of the cashback credit cards available in the UK. Because most come with monthly cashback caps or category restrictions, so having a mix of cards ensures I can always get cashback without needing a credit card.
Many of these offer attractive sign-up bonuses that make them worthwhile even before you consider the ongoing rewards…
Image | Name | Link | Review | Terms Link | Terms | Code | Platform | Category Type | Category | Reward | Offer | Cashback | Max Cashback | Rating | Instructions | Sign Up Link | Instructions | Review | Description |
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Yonder | https://scrimpr.co.uk/out/yonder | Terms | TEUGNI2 | Yonder | Debit Card | Debit Card |
Cash | Yonder (Yonder Technology Ltd) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN: 946219) . Please note that I am not an affiliate partner of Yonder, just a happy customer. But If you use my refer-a-friend link above and sign up for and complete the terms to recieve your iFAST refer a friend bonus, then I will also get a bonus. |
2.0% | 5.00 | Get a 10,000 point bonus worth £50 and 2% cashback on almost all of your purchases for three months when you sign up for the free trial of the Yonder Premium Debit Card, or get a 1,000 point bonus worth £5 with 0.5% cashback on the free Yonder Debit Card Click my referral link to visit the Yonder sign-up page:
Why Try Yonder?
Important: Terms and conditions apply. Cashback is paid as Yonder Points on eligible transactions only. The premium card trial is free for 3 months and can be cancelled anytime. Points can be redeemed for experiences and rewards through the Yonder app. For more information, visit the Yonder website or refer to their official help section via the app. |
Get Cashback | £50 joining bonus! The Yonder debit card is a cashback card that lets you earn up to 2% cashback on all purchases, that can be spent on a range of experiences from dining and entertainment to travel. There are two options, the completely free debit card and a premium version with a higher cashback rate. On both debit cards there are no spending caps, and no foreign exchange fees when spending abroad. As an introductory offer, you can try out the premium version for three months free when you sign up using my refer a friend link, plus you will get up to 10,000 Yonder Points (worth £50) as a joining bonus if you spend £1000 on your Yonder card in your first 30 days. I signed up for that introductory offer, but will probably switch to the free card before my trial is up. Sign up with my link to get started: https://scrimpr.co.uk/our/yonder. Terms Apply |
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Uphold | https://scrimpr.co.uk/out/uphold-debit-card-cashback | https://scrimpr.co.uk/uphold-cashback-card-review/ | Terms | Uphold | Debit Card | Debit Card |
Cash | Uphold (FRN: 938277) is registered with the Financial Conduct Authority (FCA) for Anti-Money Laundering (AML) purposes and complies with the Money Laundering, Terrorist Financing and Transfer for Funds (Information on the Payer) Regulations. Uphold is also an EMD agent (FRN: 900577) of Optimus Cards UK Limited (FRN: 902034), which is authorised and regulated by the FCA to issue e-money under the Electronic Money Regulations 2011. I am an affiliate partner of Uphold. If you use the link above and sign up for the Uphold's UK Debit Card, I may earn a commission from Uphold if you complete the sign-up. |
1.0% | £100/month | 5.00 | Get 1% cashback on almost all of your purchases when you sign up for their debit card and start using it for online or in-store transactions. Click my referral link to visit the Uphold sign-up page:
Why Try Uphold?
Important: Terms & Conditions apply. Cashback is available on eligible purchases (which is most!). Ensure your account is verified and you’ve completed the necessary steps for card activation and top-up. For further details, including frequently asked questions, please visit the Uphold Card FAQ section in the Uphold Help Center. |
Get Cashback | Review | The Uphold Mastercard debit card lets you spend from any of your Uphold currency accounts (GBP, USD, EUR) and earn 1% cashback. The cashback is given on most categories of spending, up to a maximum of £100/month. Sign up with my link to get started: https://scrimpr.co.uk/out/uphold-debit-card-cashback. Terms apply. Non-Uphold fees may apply. The Uphold Card is Issued by Optimus Cards UK Limited, a principal member of Mastercard and authorised by the FCA. |
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Curve | https://scrimpr.co.uk/bonus/curve-free-10 | https://scrimpr.co.uk/bonus/curve-free-10 | Curve | Digital Wallet | Digital Wallet |
Points | Curve (Curve UK Limited, FRN: 900926) is authorised and regulated by the Financial Conduct Authority (FCA) to issue electronic money under the Electronic Money Regulations 2011. For more details, you can view their FCA registration here. I am an affiliate partner of Curve. If you use the link above to sign up for the Curve Mastercard, I may earn a commission from Curve if you complete the sign-up. Curve allows you to combine all your cards into one, and with a premium plan, you can earn an extra 1% cashback at your favourite retailers, doubling dipping on any existing cashback. |
1.0% | None | 4.95 | Curve is offering Scrimpr visitors an exclusive boosted promotion: get a £10 bonus when you sign up and make your first £10+ transaction via the app! Plus, refer a friend and earn £50 when they sign up and use Curve. Just sign up to Curve via my special link to get started: https://scrimpr.co.uk/raf/curve. How to Claim Your Free £10 from Curve:
Referral Bonus: Once signed up, refer your friends to Curve and earn £50 for each successful sign-up and transaction they make! (Your friends will also get a bonus, making it a win-win!) Why Try Curve?
Important: Terms & Conditions apply. The £10 bonus is available when you complete a £10+ transaction within 14 days of signing up. The bonus will be added to your Curve Cash balance and can be used on future transactions. For full details, please visit the Curve £10 Promotion Terms & Conditions. |
Get Cashback | The Curve Mastercard lets you combine all your cards into one, allowing you to spend from any linked debit or credit card (if you want a debit card, contact support and ask them to switch your account). With either card, enjoy fee-free spending abroad and, with a premium plan, get an extra 1% cashback at your favourite retailers, doubling your existing cashback. Sign up with my link to get a £10 bonus paid into your account when you make your first purchase of £10+ using either the digital or physical Curve card (you must make the purchase within 14r days of signng up): https://scrimpr.co.uk/bonus/curve-free-10. Terms apply. |
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Trading212 | https://www.trading212.com/ | Terms | Trading212 | Debit Card | Debit Card |
Cash | Trading212 (Trading 212 UK Limited) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 609146). Please note that I am not an affiliate partner of Trading212, but by using the link above, you will be directed to MoneySavingExpert (MSE), who are the affiliate partners. If you complete the sign-up via their link, MSE may earn a commission from Trading212. Remember, investments can go down as well as up. When investing, your capital is at risk. |
1.5% | £20/month | 4.90 | Trading212 offers UK customers two great promotions: 1. £40 Bonus for Stocks & Shares ISA: Trading212 is an investment platform suitable for both new and experienced investors. By signing up via the MoneySavingExpert promotional link (https://www.trading212.com/join/MSE40), you can receive a £40 bonus when you open a Stocks & Shares ISA and invest just £1. Plus, Trading212 offers one of the best interest rates for **Cash ISAs** available, making it a great option for long-term savings. How to Get Started with the £40 Bonus:
2. 1% Cashback with the Trading212 Debit Card: Once you have a Trading212 account, you can apply for their debit card (either virtual or physical). You can then earn 1% cashback on eligible purchases made with the card. Use the card for both online and in-store transactions, and start earning cashback on your everyday purchases. How to Get Your 1% Cashback:
Why Try Trading212?
Important: Terms & Conditions apply. You must open a Stocks & Shares ISA and invest at least £1 to receive your £40 bonus. To qualify for cashback, you must use the Trading212 debit card for eligible purchases. Full details and exclusions for both promotions can be found in the Trading212’s terms. |
Get Cashback | Trading212 offers a range of financial services, including a cashback debit card that allows you to earn cashback on everyday purchases. The cashback rate is boosted from 0.5% to 1.5% until 5th July 2025. |
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Ribbon Rewards | https://scrimpr.co.uk/raf/ribbon-rewards | https://www.ribbonrewards.io/#how-it-works | Terms | CALUE61A | Ribbon Rewards | Cashback | Cashback |
Points | Ribbon Rewards accounts are provided by Griffin Bank Ltd, which is authorised by the Prudential Regulation Authority and regulated by both the PRA and Financial Conduct Authority (FRN: 970920). Eligible deposits up to £85,000 are protected by the Financial Services Compensation Scheme (FSCS). I am an affiliate partner of Ribbon Rewards. If you use the above link, then I will also earn a commission from Ribbon Rewards if you go on to complete the sign up. Please consider your financial circumstances before joining any rewards programme. |
1% | - | 4.50 | Here are the details to get your £25 bonus from Ribbon Rewards: Click my referral link to visit the Ribbon Rewards sign-up page:
Referral Bonus: Once you've signed up, you can refer your friends and earn bonuses too! Each time a friend joins and makes their first rent payment, they'll get £25 and so will you! Why Try Ribbon Rewards?
📢 Important: Accounts provided by Griffin Bank Ltd (FCA regulated). Deposits protected by FSCS up to £85,000. Terms and conditions apply. |
Claim! | Ribbon Rewards isn't actually a cashback debit card. Instead, it is a free cashback program designed to help UK renters earn rewards from something they're already paying for - their rent. They offer points on every rent payment (1 point per £1, or 1.5 points on partner properties) which can be redeemed for air miles, gift cards and other rewards. Their platform is known for its seamless integration with rent payments and excellent customer support. They currently have a generous refer-a-friend scheme that gives a £25 bonus to new customers when they sign up and make their first rent payment. To claim the reward, you need a referral link from an existing customer. If you don't have a friend already using Ribbon Rewards, click here to use mine (Bonus code: CALUE61A) or the Claim! button so you can claim the £25 bonus. Accounts are provided by Griffin Bank Ltd (FCA regulated). Deposits protected by FSCS up to £85,000. Terms and conditions apply. |
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WorldFirst | https://scrimpr.co.uk/raf/world-first | Terms | WorldFirst | Business Debit Card | Business Debit Card |
Cash | WorldFirst is a digital payments platform specialising in business accounts (sole trader ot LTD company), international transfers and currency exchange. World First UK Limited is authorised by the Financial Conduct Authority (""FCA"") as an Electronic Money Institution (FRN: 900508). They offer competitive exchange rates and low-fee international transfers. If you sign up to WorldFirst Business account with my referral link, we can both benefit from their referral program and recieve a £180 ($200 bonus). |
£160 | - | 4.00 | WorldFirst Business Card: Earn 10% Cashback on First £1,000 Spent! WorldFirst is an FCA-regulated Electronic Money Institution offering an exceptional business card with 10% cashback on your first £1,000 of spending (up to £100 cashback), followed by 1% unlimited cashback on all future transactions. Perfect for sole traders and businesses looking to maximise returns on everyday spending while gaining access to competitive currency exchange rates. As a bonus, when you sign up with a referral link and complete a qualifying transaction, both you and your referrer will receive $200 each! This business account is available to companies and sole traders in eligible countries, including the UK. Cashback Card Features:
How to Get Started:
Qualifying for the $200 Referral Bonus: Complete one of these transactions within 90 days to earn your bonus:
Important: Both promotions run until July 31st, 2025. The 10% cashback offer applies only to your first £1,000 of spending. The referral bonus requires completing qualifying transactions within 90 days of registration. Rewards are typically credited by the last business day of the month following completion. Open to businesses in eligible countries including the UK. Each referrer can earn rewards for up to 50 successful referrals. See full terms and conditions for the cashback promotion and referral program. |
Get Cashback | WorldFirst is an FCA-regulated Electronic Money Institution specialising in business accounts (for sole traders or limited companies), international transfers and currency exchange. They currently offer an attractive referral program where both you and your business contact each receive $200 when they sign up and complete eligible transactions of $2,000. They are also running a special cashback promotion offering 10% cashback on your first £1,000 of spending on their Business World Card (up to £100 maximum), followed by 1% ongoing cashback on all future spending. Sign up with my referral link and we'll both be eligible for the $200 reward once you complete qualifying transactions worth at least $2,000 or receive $200+ in marketplace payments. Both the referral promotion and the cashback promotion run until July 31st, 2025, and you have 90 days after registration to meet the referral bonus criteria. |
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Nationwide FlexDirect | https://www.nationwide.co.uk/current-accounts/flexdirect/ | Terms | Nationwide FlexDirect | Debit Card | Debit Card |
Cash | Nationwide (Nationwide Building Society) is authorised and regulated by the Financial Conduct Authority (FCA). For more details, you can view their FCA registration here. I am not an affiliate partner of Nationwide, and by using the link above, you will be directed to the Nationwide website. With the **FlexDirect Visa debit card**, you can earn **1% cashback** on up to £500 of spending for the first 12 months of the account being open. |
1.0% | £5/month | 4.00 | Nationwide offer their FlexDirect customers: get up to £60 cashback on debit card purchases for the first 12 months, plus 5% interest on balances up to £1,500. This offer is available directly from Nationwide. To claim the benefits, simply open a FlexDirect current account with Nationwide and use the Visa debit card for daily spending. How to Get Your £60 Cashback and 5% Interest:
Why Try Nationwide FlexDirect?
Important: Terms & Conditions apply. The 5% interest is paid monthly, and the 1% cashback is available on qualifying debit card purchases up to £500 per month. To earn the full cashback, you must use your debit card for eligible purchases. Full details can be found on Nationwide’s website. |
Get Cashback | Nationwide gives 1% cashback on up to £500 of spending with the FlexDirect Visa debit card for the first 12 months of the account being open. This is an excellent opportunity to earn cashback while enjoying all the other benefits of the Nationwide FlexDirect account. Terms apply. |
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Chase | https://www.chase.co.uk/gb/en/ | Terms | Chase | Debit Card | Debit Card |
Cash | Chase (JPMorgan Chase Bank, N.A.) is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom under FRN: 124579. Customers who deposit at least **£1500** into their current account can earn **1% cashback** on spending with their Mastercard debit card. You can earn up to **£15** in rewards each month for a **£1500 spend**. |
1.0% | £15/month | 3.50 | Chase offers UK customers an exclusive cashback promotion: earn 1% cashback on up to £15 per month when you use your Chase debit card for everyday spending in the UK and Channel Islands. To qualify, you must deposit £1,500 into your account each month. This offer is available directly from Chase. Simply sign up for the Chase current account and start using your debit card for eligible purchases! How to Get Your 1% Cashback:
Why Try Chase?
Important: Terms & Conditions apply. Cashback is available on eligible purchases made with your Chase debit card in the UK and Channel Islands. You must deposit £1,500 each month to qualify for cashback. Cashback is available for your first 12 months as a new customer, with a £15 per month maximum. Full details, exclusions, and more information about cash withdrawal limits can be found in the Chase Cashback Terms & Conditions. For more information, please visit the official Chase website. |
Get Cashback | Chase offer customers who deposit at least £1500 into their current account 1% cashback on spending with their Mastercard debit card. From April 2024, cashback is limited to certain purchases (mostly fuel and supermarket spending). Customers can earn a maximum of £15 in rewards each month. Terms apply. |
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Hilton Honors | https://scrimpr.co.uk/raf/hilton-honors | Terms | CWINJI | Hilton Honors | Debit Card | Debit Card |
Points | If you stay at the Hilton regularly, you should probably get this card. You can snag Silver or Gold Status plus up to 31k Hilton Honors points with a refer a friend code (mine is CWINJI), and refer friend to earn 1k points each time. | Up to 1.5% | None | 3.50 | Hilton and Currensea have teamed up to offer two rewards debit cards that come with Hilton Honors status and points: 1. Hilton Honors Debit Card (£60/year): This card comes with Silver Elite status and 2,500 Hilton Honors points on signup. It’s ideal for those who want to earn Hilton Honors status without the higher cost of the Plus version. 2. Hilton Honors Plus Debit Card (£150/year): This card comes with Gold Elite status and 30,000 Hilton Honors points on signup. It’s the better choice for those who want to enjoy higher earning rates and no foreign exchange (FX) fees. Both cards are linked directly to your existing bank account, just like your regular debit card, and work with almost all UK banks. Here’s what you need to know: How to Get Started with Hilton Honors Debit Cards:
Refer a Friend Program: If you refer a friend to the Hilton Honors Debit Card, you can earn additional bonus points. Here’s how:
Why Try Hilton Honors Debit Cards?
Important: Terms & Conditions apply. To get the bonus points, you must spend in foreign currency or use the card at Hilton properties within 6 months. Full details can be found on the Hilton Honors Debit Card Terms & Conditions. For more information, please visit the official Hilton Honors Debit Card Ts&Cs. |
Get Cashback | If you stay at Hilton regularly, the Hilton Honors Debit Card is definitely worth considering. With this card, you can earn Silver or Gold Status and up to 31,000 Hilton Honors points through a refer-a-friend code (mine is CWINJI). Plus, refer a friend and earn 1,000 points each time they sign up! Use my refer-a-friend code: CWINJI, or sign up directly through my link: https://scrimpr.co.uk/raf/hilton-honors. Terms apply. |
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SumUp | Terms | SumUp | Debit Card | Debit Card |
Cash | SumUp Pay is issued by SumUp Payments Limited, which is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (FRN: 900700) for the issuing of electronic money. Please note that I am not an affiliate partner of SumUp, just a regular user. However, if you use my refer-a-friend link above and complete the steps to receive your £10 SumUp bonus, I will also receive a referral reward. You can find the full cashback terms and conditions here: SumUp Cashback Programme Terms. |
0.5% | £10/month | 3.00 | Get a free SumUp Pay card and earn a £10 bonus when you sign up using a referral link and make your first purchase. SumUp Pay is a free app and virtual Mastercard that gives you 0.5% cashback on everyday spending — perfect for personal use, and there are no monthly fees or hidden charges. Click my referral link to claim your £10 bonus and get started:
Why Try SumUp Pay?
Important: Bonus offer available for new users only. Make sure you sign up via a referral link and complete your first transaction to qualify. Cashback is paid on eligible purchases, and terms and conditions apply. For more info, visit the official SumUp Pay page. |
Get Cashback | SumUp Pay is a free personal spending app that comes with a virtual and physical Mastercard offering 0.5% cashback on almost all purchases. Sign up using a refer-a-friend link and you’ll get a £10 bonus when you make your first card transaction. There are no monthly fees, and you can use the card with Google Pay or Apple Pay for fast, secure payments. Ts&Cs apply. |
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bYond | https://www.byondcard.co.uk/AboutUs | Terms | bYond | Prepaid card | Prepaid card |
Cash | bYond is a prepaid Mastercard debit card available to users of the BHN Extras employee benefits and rewards programs. It can only be used at partner retailers. | Varies | None | 2.00 | Details to come! | Get Cashback | bYond is a prepaid Mastercard debit card available to users of the BHN Extras employee benefits and rewards programs. It can only be used at partner retailers. | |||||
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Pluxee/Ode/Spree | https://www.sodexoengage.com/blog/the-pluxee-cashback-card-reward-support-retain/ | Terms | Pluxee/Ode/Spree | Prepaid card | Prepaid card |
Cash | Spree is a prepaid Mastercard debit card available to users of Pluxee's (formerly Sodexo) employee benefits and rewards programs. It is also available via the student discount platform, Totum+. It can only be used at participating partner retailers | Varies | None | 2.00 | Details to come! | Get Cashback | Spree is a prepaid Mastercard debit card available to users of Pluxee's (formerly Sodexo) employee benefits and rewards programs. It is also available via the student discount platform, Totum+. It can only be used at participating partner retailers | |||||
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Santander Edge | https://www.santander.co.uk/personal/current-accounts/santander-edge-current-account | Terms | Santander Edge | Debit Card | Debit Card |
Cash | Santander Edge is a debit card available to users of Santander's Edge current account. It costs £3/month but offers cashback on everyday spending at supermarkets and petrol stations, as well as cashback on household bills paid by direct debit. | 1.0% | £10/month | 2.00 | Details to come! | Get Cashback | Santander Edge is a debit card available to users of Santander's Edge current account. It costs £3/month but offers cashback on everyday spending at supermarkets and petrol stations, as well as cashback on household bills paid by direct debit. |
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Complete Guide to Cashback: Everything You Need to Know
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 receive:
- 1% to 10% back at supermarkets and most shops (online and in-store)
- Bonuses for first-time users or referring friends
- Around 4% cashback on groceries and fuel typically
What Are Cashback Websites and How Do They Work?
Cashback websites act as intermediaries between shoppers and retailers. The process is simple:
- 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 shared portion is 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. I cover these in detail in my complete guide to cashback debit cards:
- Uphold offers 1% cashback on almost all spending
- Chase, Nationwide FlexDirect, and Santander's Edge account also offer cashback
- Bank cards usually have stricter restrictions on what qualifies
Best for: All everyday spending
Traditional Cashback Websites
Sites like TopCashback and Quidco are comprehensive cashback platforms covering everything from online shopping to service signups. You visit the cashback site first, then click through to complete your purchase or signup. I use both of these regularly and they offer:
- The widest range of retailer partnerships for online shopping
- Fixed cashback amounts for bank switches, broadband contracts, and energy switching
- Often the highest rates for big purchases like holidays, insurance, and utilities
- "Get paid to" (GPT) offers for service signups like streaming platforms and software subscriptions
I track these signup offers across multiple platforms in my GPT offer comparison tool to find the best rates.
Best for: Major purchases, service switching, and planned online shopping
Cashback Apps
Apps like EverUp, Airtime Rewards, and Jam Doughnut specialize in:
- Mobile shopping and gift card purchases
- 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 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. I maintain a comprehensive list of receipt scanning apps if you want to explore these further.
Best for: Claiming multiple rewards from a single shopping trip
Most cashback sites are free to join, though some premium services like NX Rewards charge a monthly fee. From my experience using these platforms regularly, I've joined every major cashback site available - many are worth signing up for just to claim the referral bonus.
Top Cashback Categories for Maximum Savings
Groceries and Everyday Essentials
With food prices higher than they have been in years, supermarket cashback should be essential for all households. I track rates across all major platforms in my supermarket cashback comparison tool.
- Supermarket gift cards typically offer 3-5% cashback
- Occasional promotions push this to 7-10%
- Most UK supermarkets participate: Tesco, Sainsbury's, ASDA, Morrisons, and Waitrose
Popular apps: EverUp, Jam Doughnut, and TopCashback's TopGiftcards service.
Travel and Holidays
Travel bookings often feature the highest cashback percentages. From my experience booking trips through these platforms:
- 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
I use TopCashback and Quidco for all my travel bookings as they typically offer the best 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.
The Best UK Cashback Platforms
My two favourite cashback platforms that I use regularly. There are alternatives listed further down, but these are the two sites I use the most.

Topcashback
The best all-round cashback platform with reliable payouts and exclusive offers

JamDoughnut
Original instant cashback app with instant payouts
Scrimpr Cashback Tools
Use my tools to instantly find the highest cashback rates across TopCashback, Jam Doughnut, EverUp and more. Updated daily so you never miss the best deals.
Supermarket cashback
Compare instore cashback rates for UK supermarkets
UK cashback rates
Find the highest cashback rates from popular UK cashback websites
GPT offer search
Compare which sites offer the best rewards for games and offers
Cashback FAQs
Are cashback sites safe and legit?
Yes, established cashback sites like TopCashback, Quidco, and others are legitimate businesses that have been operating for years. They make money by taking a commission from retailers and sharing part of it with you. Always stick to well-known platforms and check reviews before joining newer sites.
Which cashback site is best in the UK?
TopCashback and Quidco are the two largest and most reliable options, each with different strengths. TopCashback often has higher rates for online shopping, while Quidco excels at utility switching deals. I use both regularly and recommend comparing rates for your specific purchases using comparison tools.
Is cashback actually worth it?
Yes, especially if you're making purchases you'd make anyway. With typical household spending, you can easily save £100-300+ per year through cashback without changing your shopping habits. The key is being consistent and using cashback for all eligible purchases, not just occasional ones.
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.
Why isn't my cashback showing up?
Common causes include using ad blockers, not clearing cookies before shopping, or clicking away from the cashback site during purchase. Always disable ad blockers, clear cookies, and complete your purchase in one session. Most sites have missing cashback claim forms if tracking fails.
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.
Cashback FAQs: Everything You Need to Know
My two favourite cashback platforms that I use regularly. There are alternatives listed further down, but these are the two sites I use the most.
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.