Complete Savings vs NX Rewards vs MyTime Rewards vs My Funky Rewards

Complete Savings, NX Rewards, MyTime Rewards and My Funky Rewards are four paid cashback memberships. They are essentially the same service under different names. All four run on Webloyalty’s cashback platform: you pay a monthly fee, earn at least 10% cashback at most of their retailers, and can claim a monthly bonus equal to the fee.

The differences are in the details: which retailers each one has, the monthly bonus rules and gift cards. The biggest is that eBay, Argos and Currys are only on Complete Savings.

I’m a paying Complete Savings member and I also have MyTime Rewards. Everything else here comes from each scheme’s own website, terms and FAQs, checked on 12 November 2026.

What are these four cashback memberships?

All four are run on Webloyalty’s cashback platform. You usually join through an offer when you buy something from a partner retailer, such as eBay, National Rail, National Express or Funky Pigeon. Each has a free trial, after which the monthly fee is taken until you cancel.

• Complete Savings: Webloyalty’s own membership, offered by several retailers at checkout.
• NX Rewards: offered when you buy a National Express ticket.
• MyTime Rewards: a Webloyalty membership with a shorter retailer list and Days Out offers.
• My Funky Rewards: offered by Funky Pigeon. You can also join it directly from its website.

The key differences at a glance

Retailer counts for Complete Savings, NX Rewards and MyTime Rewards come from each scheme’s own retailer list, checked on 12 November 2026. All four pay out once you have at least £5.

Which retailers does each one cover?

Complete Savings and NX Rewards have almost the same list: 1,509 retailers are on both. The difference is which big names each one has.

Only on Complete Savings (31 retailers): eBay, Argos, Currys and Expedia, plus travel and hotel sites such as Trip.com, Agoda, IHG, Radisson and Best Western. If you shop at any of these, Complete Savings is the one to have.

Only on NX Rewards (38 retailers): mostly smaller retailers, such as Wilko, Sony, Thorntons, Priority Pass, AA UK Breakdown and Merlin Entertainment.

I moved from Complete Savings to NX Rewards at one point. Then NX Rewards removed several retailers, including eBay, so I moved back to Complete Savings.

MyTime Rewards is much smaller, with 203 retailers. 200 of them are also on Complete Savings. It has eBay and Expedia, but not Argos or Currys.

You can search each full list:

• Complete Savings retailer list
• NX Rewards retailer list
• MyTime Rewards retailer list

I haven’t been able to check the full My Funky Rewards list yet. Its website says it has over 1,000 retailers.

Which has the easiest monthly bonus?

All four let you claim a bonus equal to your monthly fee, once a month, after a qualifying online purchase. The difference is which purchase counts.

• Complete Savings and MyTime Rewards: the terms say the purchase must be with the retailer you joined through, unless your Membership Pack says otherwise.
• NX Rewards and My Funky Rewards: the terms say a purchase from any retailer on the scheme counts. But their FAQs still say it must be the retailer you joined through.

In practice, the rules depend on the offer you joined through. My first Complete Savings membership came through eBay and needed an eBay purchase every month. My later membership lets me claim with a receipt. Check the Monthly Bonus section of your Membership Pack or account before you rely on it.

For all four, you have 30 days from the purchase to claim. Set a monthly reminder: if you forget, the fee is gone.

Which still offers discounted gift cards?

The Complete Savings and My Funky Rewards terms both include discounted gift cards: up to 20% off selected brands, up to £100 a month from the Top Offers selection, and up to another £100 a month at variable discounts.

• Complete Savings: only for members who were offered gift cards when they joined. I have them, and recently bought a £100 One4all gift card for £80. New members generally don’t get them.
• My Funky Rewards: the terms (11 March 2026) say gift cards are available to My Funky Rewards members, with no condition about your joining offer. I haven’t joined, so I can’t confirm which gift cards new members see.
• NX Rewards: the current terms (16 July 2026) don’t include gift cards.
• MyTime Rewards: the current terms don’t include gift cards.

MyTime Rewards Days Out

MyTime Rewards is the only one with Days Out offers:

• 2 for 1 entry at UK spas and museums
• 25% cashback on activities listed in its Days Out categories, such as zoos and theme parks

You claim by sending your receipt within 30 days of the visit. Days Out cashback counts towards the £250 monthly limit.

Can you have more than one membership?

Each scheme’s terms say you can only hold one membership of that scheme at a time, and you can’t rejoin for 6 months after cancelling. Complete Savings also limits memberships to one per household.

None of the terms mention the other schemes. I’m a member of both Complete Savings and MyTime Rewards, and I claim 2% in-store cashback through each of them on the same eligible receipts.

Which is best for you?

• You shop online a lot and want the most retailers: Complete Savings has the widest list I’ve checked, including eBay, Argos and Currys. Read my Complete Savings review.
• You were offered NX Rewards with a National Express ticket: it covers most of the same retailers as Complete Savings, but not eBay, Argos, Currys or Expedia. If you shop at those, Complete Savings is the better choice.
• You want days out more than online cashback: MyTime Rewards, but its retailer list is short.
• You want discounted gift cards: My Funky Rewards is the only one whose current terms include them for all members, and it states its £15 fee upfront.
• You won’t remember a monthly claim: none of them. A free site such as TopCashback will cost you nothing if you forget about it.

You can compare cashback rates on the comparison tool before you buy.

How to check which one is charging you

If you see a monthly payment you don’t recognise, it may be one of these memberships. Search your email for a Welcome email from Complete Savings, NX Rewards, MyTime Rewards or My Funky Rewards. You can cancel online when logged in, or contact the scheme directly:

Under the Complete Savings terms, cashback you can already withdraw is paid to your bank account after you cancel. Check your own scheme’s terms for the others.