UK Cashback Sites: The Ultimate List for 2020

(Last Updated On: December 30, 2019)

One of my favourite ways to save money, hands down, is cashback sites. So, today I’m going to be looking at some of the top cashback sites in the UK to see which is the best.

This post contains affiliate links (marked with a *) where I receive a small commission at no extra cost to you. For more information please read my full disclosure policy. All opinions are my own.

How do Cashback Sites Work?

The concept of cashback websites is pretty simple. Basically, whenever you buy something online, instead of going directly to the retailer’s website and ordering your stuff, you go through a cashback website first.

Ok, I know what you’re thinking, how can these sites give me money back for nothing?

Good question…

Well, it’s all down to something called Affiliate marketing, which works by providing commissions to website owners who send visitors to retailers. Cashback websites work by returning that referral income to you, the shopper.

Pretty sweet huh?

How Do You Use Cashback Sites?

So now you know what cashback is and how it works, I know what you’re thinking. How can I earn some lovely cashback on my online shopping?

Well, luckily, it’s pretty simple. All you need to do is sign up with a cashback site. Then when you’re ready to buy something online, you visit the cashback website first, find the retailer on there and click through from the cashback site.

This tracks your visit, the cashback site gets paid an affiliate commission from the retailer, then they return it to you in the form of cashback.

How Do Cashback Sites Make Money?

This is a common question, as after all if their commission’s being passed back to you, how on earth do these sites make any money. I mean, surely, they’re not doing it out of the goodness of the heart right?

Well, usually, cashback sites make money in a few different ways.

Firstly, a lot of sites take a cut of the affiliate commission. When this is the case, you’re not getting 100% of the cashback as the website owner takes a slice of it.

TopCashback is the exception to this as they offer a minimum 100% cashback on all deals. Information about the percentage of cashback for other sites is harder to find.

As well as a proportion of the cashback, cashback sites can earn bonuses from partnering retailers. So, when they refer a certain number of visitors, they might get a bonus, which is on top of the cashback rate.

A lot of the sites run display adverts too. As the sites tend to get a large number of visitors every month, they can earn money through display advertising on their site.

Finally, some sites like TopCashback and Quidco offer a premium membership service where you pay to get access to enhanced rates, and also an ad-free website.

So, as you can see there are quite a few ways that these sites can make money, while giving money back to you at the same time.

UK Cashback Sites: The Ultimate List

Ok, so let’s take a look at the major players in the UK cashback market. There are currently 29 companies listed in the cashback category on Trustpilot.

However, after a manual review of the list, most of them aren’t cashback sites in any way shape or form, and some don’t fully fit the criteria of a cashback website.

I’ve included those I believe meet the criteria of a cashback site, along with other sites I’ve come across.

Plus, I’ve added some bonus sites at the end, that while not being a cashback site in the traditional sense of the word, do offer a decent service.

I’ve then looked at each site and recorded their:

  • Trustpilot rating (and rank in category)
  • Number of partner retailers / brands
  • Minimum payment thresholds
  • Average Payout time
  • Withdrawal options
  • Plus, whether they offer 100% cashback, offer rate matching and any awards or accolades they’ve received.

All ratings and information correct at time of publish – December 2019.

TopCashback*

First up, we’ve got TopCashback which launched in summer 2005 and is the site I’ve been using the longest. You can read my full review of TopCashback here.

TopCashback Home Page Screenshot

TopCashback* is free to join has a massive 5,000+ merchants listed on your site. So, if your planning on buying something online, the chances are you’ll be able to get some cashback using the site.

They bill themselves as the UK’s most generous cashback site offering a minimum of 101% cashback. That means you get the whole affiliate commission plus an extra 1% given back to you as cashback.

  • Trustpilot rating: 4.7 from 96,000 reviews
  • Number of partner retailers/brands: 5,000+
  • Minimum payment threshold: No
  • Average Payout time: 1-3 months
  • Withdrawal Options: PayPal, Bank Transfer, Gift Cards (for improved rates)
  • 100% Cashback?: Yes – 101% for standard members, 105% for Plus Accounts
  • Rate Matching: Yes
  • Cashback Notifier: Yes, install the TopCashback notifier on your browser to get notified of cashback deals when you’re online.
  • Awards and Accolades: Winner of the “Best Cashback Site” award in the Moneyfacts Consumer Awards in 3 of the last 4 years. 2019, 2017 and 2016.
    Highly Commended: 2012, 2013, 2014, 2015.

TopCashback Awards and Accolades

My experience has been that they usually have the best rates. Sometimes, on certain deals though, Quidco* does beat them, so it’s always worth checking both sites.


Quidco*

Quidco Homepage Screenshot

Quidco’s been around since 2005 too, and was the first to launch in the UK. It’s owned by Maple Syrup Media Ltd and also claims to be UK’s Number 1 cashback site.

They have over 9.5 million members and have over 4,500 merchants listed on their site, so slightly less than TopCashback.

  • Trustpilot rating: 4.6 from 85,000 reviews
  • Number of partner retailers/brands: 4,500+
  • Minimum payment threshold: £1
  • Average Payout time: Upto 3 months for retailers and upto 6 months for financial products
  • Withdrawal Options: PayPal, Bank Transfer, Gift Cards (for improved rates)
  • 100% Cashback?: Doesn’t guarantee 100% cashback, but offers up to 110% with premium membership
  • Rate Matching: Yes, Quidco will match another cashback rate under their “Highest Cashback Guarantee Scheme”. They’ll also add a bit extra on top, but don’t specify the amount.
  • Cashback Notifier: Yes, the Quidco Cashback Reminder is available on Chrome and Firefox browsers
  • Awards and Accolades: Voted UK’s Best Cashback Site at the Moneyfacts Awards in 2012, 2013, 2014, 2015 and 2018. But they’ve lost out to TopCashback over the last few years receiving the “Highly Commended” Award in 2016, 2017 and 2019.

Sign Up Bonus?: Yes, £10 sign up bonus with this link*, when you earn your first £5 confirmed cashback.


OhMyDosh!*

OhMyDosh is a relatively new entrant into the cashback market in the UK. It launched in February 2018 and received a Commended Award at the 2019 Moneyfacts Consumer Awards.

OhMyDosh Homepage Screenshot

How does it stack up? When I compared OhMyDosh with 3 other major players earlier this year it fell short on some offers. But they also had some exclusive deals you couldn’t get with Quidco or TopCashback. So, it’s well worth signing up with and checking out alongside the more established players.

It doesn’t have anywhere near the number of merchants you get with the likes of TopCashback* and Quidco*, but the exclusive offers do give some more cashback options.

OhMyDosh also kind of positions itself as a “money-making site” focusing on the “free cashback deals”. If you haven’t come across these before, they’re basically deals where you get cashback for signing up for free trials.

OhMyDosh isn’t the only site to offer this. You get deals like this on all major cashback sites, it’s just the angle OhMyDosh has taken to differentiate itself from the big players.

Personally, I don’t recommend just signing up for trials left, right and centre to make a few quid. You should only sign up if you actually want the trial in the first place!

  • Trustpilot rating: 4.7 from 3,300+ reviews
  • Number of partner retailers/brands: Not specified
  • Minimum payment threshold: £10
  • Average Payout time: 30 Days on average, but special “Lightening Payouts” payout in 3 working days
  • Withdrawal Options: PayPal or Bank Transfer
  • 100% Cashback?: No, doesn’t guarantee 100% cashback.
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards and Accolades: Commended Award in the 2019 Consumer Moneyfacts Awards.
  • Sign Up Bonus?: £1 welcome bonus when you sign up* and hit your £10 payout threshold.

Swagbucks

Swagbucks is a huge rewards site over the pond in the US and also has a UK site. It’s often lumped in with survey sites as they offer rewards in the form of Swagbucks when you take part in online surveys.

Swagbucks Homepage Screenshot

I personally don’t recommend Swagbucks for surveys though as the payouts are pitiful when you sit there and work them out. But they do operate a cashback offering as well though.
You have to click on their “Shop” section of the site but it’s another one to check when you’re looking for the best rate.

The most annoying thing I find with Swagbucks though is the rate calculations. You don’t actually get paid in good old English pounds and pence. Instead, you get points called, yes you guessed it, Swagbucks.

But, being an American owned company, Swagbucks actually equate to a dollar and cent amount (1 Swagbuck = 1 cent or $0.01). So, working out how much you going to get in pounds is a bit of a faff…

Overall though, whenever I’ve shopped around for the best cashback rate, I rarely find a deal where Swagbucks has the best offer. That’s not to say they aren’t out there, but my personal experience has been that they usually fall short against at least one of the other big players.

  • Trustpilot rating: 4.5 from 15,000+ reviews
  • Number of partner retailers/brands: Not specified
  • Minimum payment threshold: Technically no. But most gift cards start around 700 Swagbucks which is about a fiver. To get £5 paid out via PayPal costs 800 Swagbucks. I’ve been a member over a year and have yet to earn enough Swagbucks to cash out…
  • Average Payout time: 30-75 days
  • Withdrawal Options: Gift Cards, Mastercard One-Click or PayPal (minimum £5)
  • 100% Cashback?: No, doesn’t guarantee 100% cashback.
  • Rate Matching: No
  • Cashback Notifier: Yes, you can install the Swagbutton extension to get notified of offers when you search online
  • Awards & Accolades: Shortlisted for Best Cashback Site in 2020 Moneyfacts Consumer Awards. 

imutual*

imutual Homepage Screenshot

Billed as “The Cashback site you own”, imutual is another cashback site with a twist. By being a member of imutual, you also become a part-owner, as you’re given free shares in the company.
imutual has a pretty big claim on their home page claiming to offer higher cashback rates than both TopCashback and Quidco on over 2,000 merchants

  • Trustpilot rating: 3.7 but only 26 reviews
  • Number of partner retailers/brands: Over 3000
  • Minimum payment threshold: £1
  • Average Payout time: 8-12 weeks
  • Withdrawal Options: Bank Transfer or PayPal
  • 100% Cashback?: On most offers (with over 100% in many cases) but not guaranteed for all
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Moneywise Consumer Awards Best Cashback Site: Commended 2014, 2015, 2017, 2018
  • Sign Up Bonus: Yes, 100 shares in imutual when signing up*

Boom 25*

Boom 25 works very differently to the rest of the sites on this list. Rather than being guaranteed the cashback percentage, Boom 25 introduces an element of chance for higher rewards (or potentially no reward!).

Boom25 Homepage Screenshot

Basically every 25th customer received a full refund on their whole purchase through the site. This obviously means you can get stuff for free, but you’ve only got a 1 in 25 chance (4%) and a 96% chance of getting no cashback at all.

Should you use it? Well, I think it really depends on what you’re buying. For example, let’s say you’re buying a large item costing £100, but the cashback rates on all the other sites are very low 1% or less.

In this case, the most you guaranteed to get in cashback is £1, but¸ by going through Boom 25, you’ve got a chance of getting the whole £100 back. Granted, it’s only a small chance. But if you’re not going to get much cashback anyway, it’s probably worth a shot on something like this.

I don’t recommend it though as your standard cashback site, or for when you can get a guaranteed high rate with one of the other sites on the list…

Always check the terms of the offers too, as while it’s based on getting 100% of your spend back 1 out of 25 times, the offers do vary. For example, with some offers, you’ll only get 50% of your spend back, but you might have a 1 in 15 chance of winning, for example. So always check first!

  • Trustpilot rating: 4.7 from over 1,500 reviews
  • Number of partner retailers/brands: Not specified
  • Minimum payment threshold: N/A
  • Average Payout time: Up to 130 days
  • Withdrawal Options: PayPal
  • 100% Cashback?: No
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Shortlisted for Moneywise Consumer Awards 2020

KidStart

KidStart is another site that has an interesting twist on providing cashback. It works by linking your KidStart account to a child’s savings account Then as you earn cashback on purchases the money’s credited back to the child’s savings account.

This is a nice alternative to the main cashback sites and great for parents or grandparents who want to save for the kids they love on autopilot.

  • Trustpilot rating: 4.2 from 70+ reviews
  • Number of partner retailers/brands: 2,300
  • Minimum payment threshold: £10
  • Average Payout time: 2-3 months
  • Withdrawal Options: Transferred into KidStart savings account monthly
  • 100% Cashback?: No
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Shortlisted at 2020 Moneyfacts Consumer Awards

My Money Pocket

My Money Pocket Homepage Screenshot

My Money Pocket* is a new entrant into the UK cashback space. It only launched earlier this year, but already has a large selection of retailers listed on the site (over 4500 brands according to the site), which makes it a promising site to keep an eye on.

So, how does it stack up? Recently Which? compared the site with market leaders Quidco and TopCashback and found it fell slightly short on a basket of deals

It also doesn’t offer 100% cashback (when you read the small print) as the site takes a cut of the affiliate commission before returning the rest to you, which probably explains why it’s not as generous as Quidco or TopCashback.

  • Trustpilot rating: Only two reviews currently so not really enough data to give an indication of service levels
  • Number of partner retailers/brands: Over 4,500
  • Minimum payment threshold: No
  • Average Payout time: Upto 90 days
  • Withdrawal Options: PayPal or BACS
  • 100% Cashback?: No
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Not yet as the site is so new

Cashback Today

Cashback Today Homepage Screenshot

Billed at the UK’s fastest paying cashback site (offering instant payouts!), Cashback Today is another new kid on the block and has been shortlisted for the Moneyfacts Cashback Awards 2020.
An important point to note though is, while they have instant payouts, you have to meet the £20 minimum threshold first. So, unless you’re getting a big lump of cashback in one go, you could be waiting a while to get your money….

  • Trustpilot rating: 4* rating, but only 8 reviews so far
  • Number of partner retailers/brands: 1,000s
  • Minimum payment threshold: £20 (to reduce bank transfer fees)
  • Average Payout time: Immediate when you reach £20 threshold
  • Withdrawal Options: BACS
  • 100% Cashback?: No, a small amount held back to cover costs
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Shortlisted for 2020 Moneyfacts awards

Shopmium

Here we have yet another new entrant into the online cashback world (the newest I believe as they only happened it the last couple of weeks.

Shopmium is one of the leading supermarket cashback apps and allows you to get cashback on in-store purchases. You can read my review here. But now they’ve also started offering online cashback. It’s been running for over 8 years and has over 4 million users.

As the online offering is fairly new the number of retail partners is likely to grow over the coming months. But having a quick flick through there are already some big names on their such as Groupon, ASOS, Boots, Expedia and Carphone Warehouse to name a few.

Shopmium Online Offers Screenshot hotels, Boots and Carphone Warehouse

 

  • Trustpilot rating:4.2 from 40+ reviews. But I would say pretty much all of these relate the in-store cashback element. However, it does give you a good idea of the service level to expect.
  • Number of partner retailers/brands: Not specified
  • Minimum payment threshold: £10 on online cashback, none on in-store cashback
  • Average Payout time: Upto 3 months depending on retailer
  • Withdrawal Options: Bank Transfer or PayPal
  • 100% Cashback?: No
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: Not specified

Airtime Rewards

AirTime Rewards offers yet another unique spin on the cashback craze. It lets you earn money off your mobile phone bill when shopping with their retail partners and was featured on MneySavingExpert earlier this year.

It doesn’t work by clicking through the website like the rest of this list. Instead, it works by linking your credit or debit card to the account via an app. You then earn rewards automatically when you spend either online or in-store in the same way you can link your card with Quidco and TopCashback.The video below gives a brief overview.

  • Trustpilot rating: 4.9 based on over 900 reviews
  • Number of partner retailers/brands: Only currently has a very small number of retail partners.
  • Minimum payment threshold: Between £5 and £10 depending on network
  • Average Payout time: It has to track as with standard cashback sites so allow 1-2 months
  • Withdrawal Options: Mobile phone credit
  • 100% Cashback?: Not specified
  • Rate Matching: No
  • Cashback Notifier: No
  • Awards & Accolades: None yet

The Giving Machine

The Giving Machine is a really nice concept. It works by earning cashback on purchases and donating them to the charity of your choice. So, if you want to do your bit and start giving a bit more to charity, this could be an easy way to do some good without even noticing an impact on your wallet.

The Giving Machine currently works with over 2,000 retailers including Amazon, John Lewis, eBay, Sainsbury’s and Next. Take a look at the video below for some more info.

  • Trustpilot rating: 4.9 from over 350 reviews
  • Number of partner retailers/brands: 2,000+
  • Minimum payment threshold: 
  • Average Payout time: 2 to 6 months depending on retailer
  • Withdrawal Options: Charity Donation
  • 100% Cashback?: N/A
  • Rate Matching: No
  • Cashback Notifier: Yes, Shop and Give Reminder browser extension
  • Awards & Accolades: None yet

Cashback Tips

Now for a few tips on how to make best use of cashback sites and things to watch out for.

Cashback Tracking

One of the main things is making sure your transactions are tracked properly. This needs to happen so you get your cashback!

How Cookie Tracking works

Cashback purchases are tracked using Cookies on your computer. Cookies are just small bits of information stored on your browser. Most websites use cookies to personalise your experience and show ads for example. So, for a start, you need to have Cookies enabled on your computer (which they usually are by default).

For the cashback to track correctly, the cashback site needs to be the “last referrer” to the site you buy from. So, make sure you click through from the site when you make your purchases.

The other thing to note though is that websites such as comparison sites and voucher code sites also use tracking cookies. So, if you found the deal through a price comparison site like Compare the Market, for example, their cookie might override the cashback cookie.

To prevent this, you can clear your cookies to make sure the cashback site receives the commission and you get your money…. The same goes for retailers you’ve visited previously…

For more information about how to clear your cookies, read this article.

Cashback isn’t Guaranteed

Because of the potential for tracking issues or commissions be given to other site’s you’ve visited, Cashback isn’t 100% guaranteed. So, you need to factor this risk in if your comparing deals with and without cashback. If you have two options that work out the same, go for the option that doesn’t involve cashback.

Cashback Can Take Ages to Track and Become Payable

It can take quite a while for cashback to reach your account after you make a purchase. This is simply due to the amount of time it takes for the cashback to reach the cashback site.

You’re often looking at a wait of at least 2-3 months to get your cashback.

Money isn’t Yours Until it’s in your Bank Account

The money isn’t yours until it’s in your bank account so make sure you withdraw it as soon as you can. After all, all cashback sites are businesses at the end of the day. So, if anything happens to them financially you could be unable to get your money out.

A recent example of this is when Zeek paused all its payments when it ran into financial trouble. This left customers unable to withdraw funds from their accounts.

Cashback Site Fees – Membership Options

Both TopCashback and Quidco offer a paid premium membership option that give you enhanced cashback rates. But before opting for one of these you need to weigh up if the enhanced rates will be enough to cover the cost of the membership.

Don’t Get Blinded by High Cashback Rates

As I mentioned earlier, cashback isn’t guaranteed. So, don’t let the cashback amount lure you into an offer for something you either don’t need or that can get cheaper somewhere else even without the cashback.

Use it as a Negotiation Tool – All things being equal if the cashback only brings the price down to the same price as another deal – take the other deal as it’s guaranteed! I did this recently with my car insurance.

Firstly, I used Compare the Market to find the best deal. Then I checked TopCashback and used their compare tool. Then I used this along with the cashback discount to haggle down my current supplier who, surprise surprise…… matched it…

No waiting around for cashback or switching to a new provider!

Get In-store cashback too

Don’t settle for just getting cashback on your online shopping, you can get it when you do your supermarket and high street shopping too.

Both Quidco and TopCashback let you link a credit or debit card to your account, so when you spend on it at partner retailers you get cashback. There are also a few other great cashback apps that you can find out more about in my guide to supermarket cashback apps.

Which is the Best Uk Cashback Site?

So there, you have it my guide to UK cashback sites. There’s certainly plenty to choose from but, the two big players TopCashback and Quidco still seem to have a big stranglehold on the market offering the best rates, the most features and the biggest selection of retailers.

It’s a close call between the two of them, but I think TopCashback* just pips it to take the crown of the Best UK Cashback Site. It tends to have the best rates most of the time and always gives you at least 100% cashback. Coupled with the biggest number of partners and winning the Moneyfacts Consumer Awards 3 times in the last 4 years, TopCashback is pretty tough to beat

However, there are a few nice alternatives out there such as The Giving Machine that lets you donate to your favourite charity, KidStart to help save for the children you love and iMutual which offers a unique option to own part of the company!

It’ll be interesting to see if some of the less well-known cashback sites can challenge Quidco and TopCashback’s dominance over the next few years. Which is your favourite cashback site? I’d love to hear in the comments below.

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