What are the best cashback sites to use when shopping online?
Using cashback websites is a great way to earn money while you shop online. But which reward sites are the best to use in the UK?
Bobatoo's list of the top cashback sites - your best options:
|Cashback||Earn cashback in your spare time by completing tasks and free trials online|
|Curve||All in one money app that combines all your credit cards, debit cards, and loyalty cards in one whilst also allowing you to earn cashback from well-known retailers and websites|
|Widilo||The UK's latest cashback site comes with a variety of popular online retailers to choose from, like ASOS, Topshop and Superdrug (Est. 8 years)|
|OhMyDosh||Complete offers and free trials to earn money|
|Swagbucks||Get free gifts cards and more when shopping online|
|Quidco||The UK’s number one cashback platform|
|TopCashback||Earn cashback and save money with thousands of retailers online|
|Chase||Top cashback app offering 1% cashback on almost every purchase worldwide + no fees abroad|
|KidStart||Earn cashback from over 2,300 retailers that is put into your child's bank/savings account for free|
How do UK cashback sites work? How do they make money? How much cashback can you earn with their cashback deals and which cashback site is the best one to use?
In this guide and cashback site comparison, Bobatoo will go through everything you need to know about cashback websites and identify the best ones, making sure you are well-informed and know how to get the most out of them.
What you will learn...
- How do cashback websites work?
- What are the top UK cashback websites?
- Tips to get the most out of cashback websites
When shopping online, cashback websites allow you to click on various deals and offers, which take you directly to the sellers' websites to buy products. When you buy their product(s) through Quidco, they will give you money back for every purchase you make. The amount of money you can get back for your purchases is typically around 5%-15% - so it can add up to a considerable amount of cashback for expensive items.
How do cashback sites make money?
Cashback websites are able to pay you to shop because they have 'affiliate' deals with the shops they feature on their site. This means that they receive a percentage of any sales they refer to that shop.
When you go to an online store via a cashback website, your visit will be tracked and the cashback site will receive a percentage of whatever you spend on that site as commission. The cashback you then receive is made up of this commission.
Cashback websites simply share their affiliate commission with you.
When deciding what cashback website to sign-up to and use, you should be thinking about choosing one that pays the highest percentage of their commissions.
Some cashback brands pay as little as 50%, whereas some of the websites listed below are 100% payers. Paying 100% of the commission may seem like an unsustainable way to do business, but they are able to pay 100% cashback as the high level of customers they send to online brands enables them to be paid bonuses by the brands - so they get paid as well as paying you 100% of the commission you generate.
Here are Bobatoo's short reviews of the top cashback and money-saving sites in the UK:
Similar to Swagbucks, Cashback is a UK-based service which offers cash rewards for completing online tasks and free trials. They work with brands such as Pouch, Nielsen, Graze and SimplyCook.
Cashback is a growing cashback website which has paid out over £194,000 to its members so far and is completely free to join. If you join today you also get a £5 welcome bonus!
If you’re wondering how to join Cashback, simply visit their website here and complete a really short sign-up form. You’ll need to enter your full name, email address and a password to join for free and start earning!
Curve is an all in one money app that combines all your credit cards, debit cards, and loyalty cards in one whilst also allowing you to earn cashback from well-known retailers and websites.
Depending on your choice of card, you will get different types of benefits such as the number of retailers where you can earn your cashback from when you spend in-store or online to increased amounts for fee-free foreign ATM withdrawals to phone and travel insurance.
Curve’s free subscription ‘Curve Blue’ will let you select 3 retailers to earn cashback from for up to 90 days, whereas the monthly subscription cards such as ‘Curve Black’ and ‘Curve Metal’ will allow you to choose between 3 and 6 retailers with no time limit on when you can earn cashback.
Each time you use your card with your chosen retailers, the cashback you earn is added into a section of your Curve card app called Curve Cash. You can spend your Curve Cash points straight away at any physical or online shop, exactly as you would with any other card in your wallet or the Curve app. Just make sure you select your ‘Curve Cash Card’ as your active payment option before making a purchase.
How do you join Curve?
It's so simple to sign up to Curve. All you need to do is visit their website and click the link to download the app or you can go straight to the iTunes app store or Google Play to download directly.
Once you've downloaded the app, you’ll need to enter some basic details to get registered and your physical card will be with you in a matter of days.
Top retailers available on Curve:
- Burger King
Oh My Dosh
OhMyDosh is a UK-based online cashback site that is completely free to use – they do not charge a subscription fee, unlike some other reward sites.
After signing up, users can receive cashback by completing surveys and/or by purchasing various products that are on offer. It’s an easy way to make fast money online!
How does OhMyDosh make money?
When you visit advertisers and complete their offers (such as signing up to 30-day free trials or LAMB (Look After My Bills) through the OhMyDosh website, they receive a payment from the advertiser and they then split that money with you.
When your balance reaches a total of £10 cashback, you can cash the money out and it will be transferred to you via PayPal or a standard bank transfer, which can take up to 5 days to process (as standard).
Is OhMyDosh Safe?
OhMyDosh is safe to use – you are not asked to add any of your bank details until you’re ready to cash the money out. To top it all off, the website has a 5-star rating on Trustpilot!
How do I join OhMyDosh?
Signing up to OhMyDosh is easy. All you need to do is visit their website, complete the short sign-up form (name, email and password) and then you can begin earning. You’ll even receive 50p for free to start you off!
Top retailers available on OhMyDosh:
Swagbucks is a free-to-join service that pays you cash back and gift cards for shopping online, as well as taking surveys, watching videos, searching online, playing games and more. Basically, all the things you usually do online you can do via Swagbucks and earn cashback on purchases and offers.
You can choose to be paid via gift cards for top shopping brands such as Amazon, or have it paid directly into your PayPal account.
Top retailers available on Swagbucks:
- Currys PC World
- The Perfume Shop
If you're looking for the cashback site that pays out the most, then TopCashback is the one for you - the alternative to Quidco. They pay 105% of the commission you generate, so they actually pass on some of the bonuses to their customers as well.
TopCashback also comes out top in terms of customer service, with lots of positive feedback from customers who use it to earn money back from their online shopping. They have also been awarded Cashback Site of the Year at the 2022 Moneyfacts Consumer Awards.
TopCashback now has over 20 million members who earn an average of £345 cashback per year. Cashback is available from a variety of online brands, so whether you’re shopping for clothes, electrical items, insurance or even a new gas and electricity supplier, you can earn money while you shop with TopCashback.
TopCashback have also recently introduced a new Green Cashback category, making it easier for shoppers to find brands that support ethical and sustainable choices.
How to join TopCashback
If you’d like to start earning with Topcashback, simply visit their website or download their app to sign up. You have to enter very simple details such as your name, email and password, and then you can start earning cashback
See our comparison review Quidco vs TopCashback here for more information.
Top retailers available on TopCashback:
- Currys PC World
Widilo aims to provide online shoppers with the best offers and voucher codes for their favourite retailers.
With Widilo you can access discount codes, cashback offers and vouchers for a wide range of retailers covering categories such as: travel, fashion, electronics, beauty, fitness, entertainment, home, gifts and much more.
Signing up is easy and takes less than a minute. Once you have signed up, visit the retailers’ websites using the link provided by Widilo to activate your voucher, discount or cashback offer.
Widilo are currently offering a £5 signup bonus to help get you started. Use the below link now to register and claim your signup bonus:
Top retailers available on Widilo:
- New Look
- Currys PC World
Quidco - what is it and how does it work?
Quidco was the first 'big' cashback site to enter the UK market, and pays similar levels of cashback commission as TopCashback.
The two sites have now become the two biggest cashback websites in the UK, and compete for exclusive deals and commission rates - so it can be worth signing up with both to maximise your cashback.
How do I join Quidco?
Quidco is free to join and you can sign up online by completing their short sign-up form here. The basic membership is free, but if you choose to upgrade, you'll be charged.
The average Quidco member can earn over £300 a year!
Quidco always have great cashback rates, regular promotions including Flash Sales with exclusive cashback rates, member bonuses and discount vouchers to help you get the most from your money.
You can even increase your Quidco rewards by getting a 'top-up' bonus. To get this, you need to withdraw your cashback as a gift card, instead of just simply cash. The gift cards available with Quidco include Amazon, Argos, Marks & Spencer and many others.
Quidco also claim to offer “The UK’s Highest Cashback Guaranteed”, so if you find a higher cashback rate for your purchase on another UK cashback website they will not only match that rate, they will add “a little extra on top”.
Top retailers available on Quidco:
- Just Eat
The Chase mobile banking app was launched towards the end of 2021 by American banking giant JP Morgan Chase. The Chase app allows you to digitally manage multiple Chase current accounts in one app, on Apple or Android, for free.
What sets Chase apart from other cash back apps is the Chase app uniquely offers 1% cashback to customers on virtually ALL everyday purchases made using their debit card, both online and in-store, at home and abroad, for the first year - for ZERO fees.
Your Chase debit card will be accepted by retailers who accept Mastercard payments or for speedy and secure spending, you can add your Chase debit card to Apple Pay or Google Pay.
In addition to offering 1% cashback on purchases, the Chase app allows you to accrue 5% interest on [spare change rounded up to the nearest £1] automated savings and if you switch your bank account to Chase, you could get up to £130 cashback!
The Chase online mobile app helpfully allows you to separate your cash into different ‘jars’. These ‘jars’ are separate current accounts with unique account numbers and you can choose which current account to use in the app (pay money from) when making purchases.
The Chase app is completely free to use as Chase does not charge any fees for opening a Chase bank account or for monthly usage, ATM withdrawals or purchases abroad.
You can get a simplified overview of your spending in the app so you can keep track of spending, and budget and save accordingly.
How does cashback work on Chase?
- To take advantage of Chase’s cashback, you simply activate ‘cashback’ in the app and start earning 1% cashback on your retail purchases.
- You can use your debit card where Mastercard is accepted or Apple Pay or Google Pay where these payment methods are accepted by retailers.
- You can pay for purchases online or in-store, at home or abroad.
- You can transfer your accumulated cashback funds to your chosen Chase account at any time.
How does Chase make money?
The company behind Chase app, JP Morgan, is one of the world’s leading financial services firms and one of the top four biggest banks in America, which allows it to comfortably afford to offer a 12-month cashback on purchases to entice new UK customers.
It’s expected that Chase will continue to expand its financial service offerings to UK customers alongside the exponential expansion of its vast portfolio. So what it’s offering to cashback UK customers now, for free, through the Chase App will pay dividends in the future.
Is Chase safe?
Yes, the Chase app is extremely safe and has multiple security measures and functions such as:
- a numberless debit card (all card info is securely stored in the app)
- in-app card control (security toggles) that can:
- freeze or unfreeze your card
- stop the card from making contactless or gambling payments
- stop the card working abroad
- stop the card from making cash withdrawals
- if you suspect someone untrustworthy has your details, you can generate new card details via the Chase app but keep using your existing card
- active fraud monitor and 24/7 customer support
- allows you set up ‘face ID’
- uses secure payment methods such as Apple Pay and Android Pay
How do I join Chase?
Just like other cashback websites, you can quickly and easily sign up online via Chase’s website by clicking the link below.
Once you’ve signed up, simply download the ‘Chase UK’ app from Apple Store or Google Play, sign in, activate cashback on purchases and get spending and earning!
Top retailers available on Chase:
Because you can use your Chase App for purchases with pretty much any and every retailer from a coffee shop to a travel agent, at home and abroad, it’s impossible to list top retailers available on Chase.
Chase only has a small number of exclusions that you would expect with cashback purchases. For example, you can’t earn cashback on gambling transactions or tax payments. A full list of cashback exclusions of a similar nature can be found here.
KidStart is a new and free cashback website that allows you to boost your child's savings every time you shop online.
Once you've signed up, you can access their 'saving prompt' feature which you can download as a web app and see what retailers you will earn cashback from when browsing Google search results or the retailer's website directly.
You can also invite friends and other family members to join KidStart so that your children will benefit even more. Each person you introduce using the KidStart link will earn you £5 when they save £5 in KidStart Savings from their shopping.
When you set up your KidStart 'Kiddybank', you will have the option to add your child's:
- Bank account (if you have one already)
- Child Trust Fund account
- Building Society account
You can even create a KidSave account that will help grow your child's savings. This is a Junior ISA which you can split the savings between cash and a shares fund.
Top retailers available on KidStart:
- The AA
- John Lewis
Cashback apps (UK)
Rather than opening up your internet browser and signing in online every time, an app makes for quicker shopping, thus quicker cashback earned. While Bobatoo’s cashback site comparison review has focussed on the best cashback sites in the UK, not all of them currently have an app, but thankfully – most do! The ones that do, are:
With both TopCashback and Quidco cashback websites it's relatively easy to sign up to a free account, browse the offers, shop online and start building up your cashback. But if you want to get the full benefits of using them and maximise the amount of cashback you receive, then follow the tips below:
Cashback is not always guaranteed
Think of the cashback you receive after shopping via these websites as a bonus, rather than an absolute guarantee. Sometimes, there can be tracking problems which mean your visit, and subsequent spending, isn't recorded (although this is very rare). Other times, there may be attribution issues and the online store disputes the commission payment to the cashback site.
Unlike getting cashback from a retailer, you have very little consumer rights when it comes to getting money from cashback websites. Therefore the best way to approach it is to look at the potential cashback you may earn as a nice bonus, rather than letting it drive your purchasing decisions.
Cashback is not your money until it's in your bank account
It's always nice to see your cashback account start to fill up with cash after you've been spending, but the golden rule is that the money is not yours until it is in your bank account.
The amount you see in your cashback accounts may still be subject to disputes and declined payments, plus there is always the risk that the company may go bust and leave you with no recourse to access your cashback.
Always withdraw your cashback at the earliest opportunity
Most cashback websites have a minimum threshold before you can withdraw your money - usually between £50 and £100. You should always take your money out as soon as possible, rather than let big amounts build up in your account.
As well as missing out on any interest on the cash you have earned, if the cashback site goes bust or makes changes to its payment policy while you have a lot of money in there you could be in for a nasty shock.
Don't make purchases based on the cashback amount
It's easy to start browsing the offers on cashback sites and get seduced by the levels of cashback available on certain products or from certain brands - but you should only be looking to earn cashback on products you were already planning to buy.
That way you are effectively earning money for nothing, as you were going to spend that money anyway. If you start making purchasing decisions based on how the cashback will offset the cost, then you are effectively losing money.
Regardless of the cashback on offer, you should base your purchasing decisions on getting the best possible deal. If you choose to buy something purely because of the cashback that is on offer, and then that cashback doesn’t come through for whatever reason, you could find yourself badly out of pocket.
For example, if you are looking for a new laptop and spot a 5% cashback offer on one that costs £499 - netting you £25 in cashback - you may feel you are getting a great deal. However, you could have used a price comparison site and found the exact same laptop model currently on sale for just £399.
Be aware of ‘cookie trails’
One of the most important considerations when using cashback sites is the online journey you have to make in order to claim your cashback. When you click a link from a cashback site to an online retailer, you are tracked by a cookie.
To qualify for the cashback offer there must be a clear ‘cookie trail’ which shows it was the cashback site that first referred you to the retailer.
If you have already been on the retailer’s website before deciding to take advantage of the cashback offer, you will have to delete your cookies. If you don’t, your previous visit to their website will still be tracked and the cashback site may not be viewed as the original source of the sale.
Sign up for in-store cashback deals
As well as earning cashback from shopping online, cashback websites also now allow you to build cashback when shopping in stores with your debit or credit card.
To do this you need to register your debit/credit card with them so they can track your purchases in store. There's not a great amount of retailers currently on the in-store cashback scheme, but they are growing all the time and there's currently some big names like The Body Shop, Disney Store, Uniqlo and Starbucks offering up to 5% in-store cashback.
Hopefully, Bobatoo's guide has given you a good insight into how you can receive cashback with the best reward sites in the UK.
Happy cashback shopping!
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