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:

Quidco The UK’s number one cashback platform
Boom25 1 in 25 chance of getting all of your shopping for free
Kerching Online shoppers have the chance to win amazing prizes
20Cogs Make easy money online in your spare time
OhMyDosh Complete offers and free trials to earn money
Swagbucks Get free gifts cards and more when shopping online
TopCashback Earn cash back and save money with thousands of retailers online

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?

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 cash back 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.

What are the top UK cashback websites?

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 the top two below are both 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.

However, if you are more of a gambler and prefer the chance of a big pay-off rather than small amounts of cashback for each purchase, then the UK cash back site Boom25 may be your best bet.

Here are Bobatoo's short reviews of the top cash back and money-saving sites in the UK:

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.

Quidco logo

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 giftcards available with Quidco include Amazon, Argos, Marks and Spencer and many others.

Oh My Dosh

Oh My Dosh logo

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!

>> Sign up to OhMyDosh here <<<

Kerching and Win

Kerching logo

Kerching and Win is one of the latest reward sites offering online shoppers the chance to win fantastic prizes when they shop with some of the most popular retailers in the UK.

How does it work?

It differs to the other cashback websites in that you don’t actually earn cashback – instead, you accumulate ‘Kerching credits’. When you reach a certain number of credits, you can then use them to enter prize draws for free.

You simply do your shopping online as usual (just make sure you do it through the Kerching website) and you choose which draw you want to enter. Once that’s done, simply hold tight and you could be in with the chance of winning some amazing prizes!

At the time of writing (August 2019), some of the prizes available are:

  • Nintendo Switch Console
  • FoxHunter 6 BurnerStainless Steel Barbecue
  • Sportspower Pro 10ft trampoline

And the list goes on!

How do you join Kerching and Win? You can learn more and sign up to the Kerching and Win website here <<<

20Cogs

20 Cogs logo

Similar to Swagbucks, 20Cogs is a UK-based service which offers cash rewards for your online activity, which includes taking part in Competitions, Offers, Games and Surveys (hence the name).

20Cogs is a growing cashback website which now has over 300,000 users, and is completely free to join.

If you’re wondering how to join 20Cogs, 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!

Boom25

Boom25 logo

With Boom25, you have a 1 in 25 chance of getting your entire shop for free. It works like a normal cashback website in that you sign up and then visit online shops like you normally would. Then, instead of earning a small percentage back as cashback, you enter the draw to win the entire cost of your shopping for free.

Every 25th order that is registered with Boom25 gets the whole shop for free - whether it's a £5 pair of socks or your entire Christmas shopping!

How do I join Boom 25?

Find out more about Boom25 and register with Boom 25 today and you could be in with the chance of winning a FREE shop!

Swagbucks

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.

>>> Sign up to Swagbucks here! <<<

TopCashback

TopCashback logo

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.

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.

Cash back 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 cash back sites in the UK, not all of them currently have an app, but thankfully – most do! The ones that do, are:

Tips to get the most out of cashback websites

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.

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.

For further, related information, see the guides listed below. Alternatively, sign up to one of the above-mentioned cashback sites and start earning and receiving rewards on offers and purchases now.

Happy cashback shopping!

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