Everyone loves a good deal, and in 2025, cashback apps have become one of the smartest ways to put money back in your pocket. With rising costs of living, every pound saved counts – and I’ve personally earned over £800 in the past year using the methods in this guide!

Whether you want automatic cashback on your weekly shop (hello, Chase Bank!), big savings on online purchases (TopCashback is amazing for this), or even free groceries by scanning receipts, there’s a cashback method that fits your lifestyle.

In this updated guide, I’ll share the 14 best cashback apps and sites in the UK, including newer players like Chase Bank that are changing the game. I’ll also share my personal experience with each one and my top tips for maximising your earnings.

The best part? Most of these require minimal effort once you’ve set them up. Let’s look at how you can start earning money back on purchases you’re making anyway!

Compliance Note: I am not a financial advisor. This review is based on my personal experience using these apps to save money. Cashback is never guaranteed and should be viewed as a reward rather than a confirmed discount. Rates change frequently, so always check the app for the latest terms.

What Are Cashback Apps?

Cashback apps are digital platforms that reward you with a percentage of your spending when you shop through them. They partner with a broad range of online retailers, and when you make a purchase via these platforms, they receive a commission from the retailer. A portion of this commission is then shared with you as ‘cashback’, effectively giving you a discount on your purchase.

How Do Cashback Apps Work?

The process is simple to follow. First, you need to download the cashback app and create an account. Once your account is set up, you can start shopping through the app. The app will have a list of partnered retailers, and when you decide to make a purchase, you click on the retailer’s link within the app. You are then redirected to the retailer’s website, where you shop as normal. After your purchase, the cashback app tracks the transaction, and once confirmed by the retailer, the cashback is credited to your account within the app.

Why Use Cashback Apps?

Using cashback apps is a great way to make your money work harder. Here’s why:

1. Save Money: The primary benefit is the potential savings. Every time you shop through these apps, you earn a percentage of your spend back. Over time, these savings can add up to a significant amount.
2. Ease of Use: These apps are user-friendly. Once you’ve set up your account, earning cashback is just a matter of clicking through the app before you shop.
3. Broad Range of Retailers: Cashback apps partner with a wide range of retailers—everything from clothing stores and electronics outlets to travel booking sites and insurance providers. This means you can earn cashback on almost any online purchase.
4. Additional Discounts and Vouchers: Many cashback apps also offer additional discounts, voucher codes and special promotions, providing even more savings.

Top 10 Best Cashback Apps in the UK

With so many cashback apps and websites available, it can be hard to know which ones offer the best deals. To help you out, we’ve compiled a list of the top 10 best cashback apps in the UK.

1. TopCashback

Arguably one of the best-known cashback apps in the UK, TopCashback boasts partnerships with over 5,000 retailers. They offer both a free membership and a Plus membership (£5 per year), which offers higher cashback rates and payout bonuses. TopCashback prides itself on passing over 100% of the commission it receives from retailers back to its members.

This is great for a big purchase, especially for things like car insurance and home insurance. Always check the latest details before renewing as often the cashback reward makes it worth changing. I got £90 cashback with my car insurance for one year! 

Sign up for your Topcashback account here. It really is one of the best cashback sites in the UK.

SIGN UP TO TOPCASHBACK TODAY TO GET STARTED!

Read my full review TopCashback here.

2. Chase Bank UK Debit Card

Chase Bank UK has quickly become one of the most talked-about cashback options since launching in the UK. Unlike traditional cashback apps, Chase offers cashback directly through their debit card spending – no need to remember to click through apps or scan receipts!

How it works: Chase offers 1% cashback on UK groceries, everyday transport (including buses, trains, and taxis), fuel, and electric vehicle charging. The cashback is automatically credited to your account each month – it’s that simple!

What I love about Chase:

• No effort required – Just use your debit card as normal and get automatic cashback
• Instant qualification – No minimum spend thresholds to worry about
• Perfect for families – Groceries and transport are where most families spend the most money
• No scanning receipts – Everything happens automatically

The catch: Chase has a monthly limit of £15 cashback (so you’d need to spend £1,500 in eligible categories to hit the maximum). Also, it’s only available to new Chase customers, and you need to maintain the account to keep earning.

My verdict: If you’re doing a weekly food shop and using public transport regularly, Chase can easily give you £10-15 per month with zero effort. That’s £120-180 per year just for using a different debit card! It’s definitely worth having alongside other cashback apps.

Important update: Chase reduced their cashback offering in April 2025, so it’s now more focused on UK spending rather than the worldwide cashback they initially offered. Still excellent value for regular family spending though.

3. Quidco

Quidco is a major player in the cashback arena, with a similar offering to TopCashback. It provides cashback from a comparable range of retailers and operates a similar membership model, with a free basic membership and a premium membership option. It’s one of the best shopping cashback apps UK so worth signing up to.

This cashback website often offers special deals frequently, and chances to get bonuses, so keep checking when you’re doing online shopping so you don’t miss out on some free money! I always cross-reference the best deal with Quido and other cashback apps to make sure you get the highest percentage. 

 Sign up here

4. KidStart

KidStart offers a unique spin on the cashback concept, with cashback earnings going towards a child’s savings account. It’s a great way to save for your children’s future while doing your regular shopping. This is a great way of making sure your child will have some savings when they are older, as it can be so difficult to find extra money to put away for them! 

Read my full KidStart Review here.

5. Airtime Rewards

With Airtime Rewards, your cashback goes towards your mobile phone bill. This app is partnered with a range of high-street retailers and restaurants, making it easy to earn cashback on everyday purchases. Airtime Rewards doesn’t work with all service providers, so make sure you check before signing up. 

Read my full review here.

6. Shopmium

Shopmium app is a grocery-focused cashback app that offers cashback on specific products at specific retailers. To claim your cashback, you simply need to scan your receipt within the app.

Most of these are new products that you can try cheaper- Sometimes you can even get them for free! It works in grocery stores and online purchases – you just need to scan your receipt and you will get your cashback into your account. 

Signup to the Shopmium app with my referral link or enter my Shopmium referral code with the app to get a free tube of Pringles!

MY SHOPMIUM REFERRAL CODE: 5QE8D4

Read my full review here.

7. CheckoutSmart

Similar to Shopmium, CheckoutSmart offers cashback on specific grocery items at selected retailers. The difference is that CheckoutSmart’s offers are not store-specific, which means less store hopping to get your free food and offers. 

Read my full CheckoutSmart review here.

8. Swagbucks

Although not exclusively a cashback app, Swagbucks does offer cashback among its various money-making activities. You can earn points, known as “Swagbucks”, that can be redeemed for cash or gift cards.

The best way to make money on Swagbucks is by playing mobile games. Play puzzle games, farm games and more to earn money that you can turn into gift vouchers and PayPal payments. I’ve played three games so far and got my cashback. You can also complete surveys and complete other tasks for some extra Swagbucks. Once you have enough points, you can exchange them for cash or gift cards. A few days later, the money will appear in your PayPal account. 

Sign up today and start earning money by playing games and more!

SIGN UP FOR SWAGBUCKS HERE!

Read my full Swagbucks review here.

9. JamDoughnut

JamDoughnut operates a little differently by offering cashback on gift cards purchased through the app. This means you buy a gift card at a discount and use it to shop at the retailer, effectively giving you cashback on your purchase. It really is one of the best supermarket cashback apps. 

Sometimes they have cashback offers when the cashback is doubled. You can buy more gift cards and use them at a later date if this happens. 

Download the app now with this link and use the referral code PZ97 to get a £2 bonus when you make your first purchase.

Read my full review here.

10. GreenJinn

GreenJinn is a cashback app that offers discounts on groceries from selected supermarkets. To claim your cashback, you need to take a photo of your receipt when you’ve done your grocery shopping and submit it through the app. A few days later, the money will appear in your PayPal account. 

GreenJinn referral code: I’m working on getting a referral code! Check back soon 🙂

It’s similar to CheckoutSmart and Shopimum. 

Read my full GreenJinn Review here.

11. WeShop

A unique cashback platform, WeShop allows you to earn shares in the company when you shop through the platform. Instead of cash or vouchers, you become a shareholder in WeShop.

This free app works with over 500 of your favourite retailers. 

12. Picodi

Picodi is a newer app, it’s similar to TopCashback and Quidco, you search for the store you would like to buy from, click through and earn cashback. Cashback isn’t as good as its rivals, but it’s worth checking as they often have boosted offers.

Get a £4 bonus with my referral link. 

Read the full review here.

13. Cheddar

Cheddar is a passive mobile app that lets you earn cash rewards without doing anything! No need to click on links or scan recipes, Cheddar uses Open Banking to connect to your bank account, it then gives you cashback on participating stores as you shop with them. Cashback ranges from 1-10%

Some of the retailers include: Just Eat, Trainline, Hello Fresh and Alton Towers. 

Use my referral code for a £2.50 bonus: ODTVWBJ

Read my full review here.

14. Shoppix

Shoppix is a smartphone app that lets you earn rewards by photographing your receipts. It works with both paper and digital receipts from various stores. Each valid receipt earns you tokens that can be exchanged for rewards like gift cards or cash. Shoppix also offers surveys and tasks for more tokens. The app anonymises and uses the data for market research. It’s available on iOS and Android devices, offering an easy way to turn your shopping into rewards. 

I’d love to give you a Shoppix referral code, but Shoppix isn’t accepting new members at the moment. I will update with my referral code when it opens again. 

Comparison Table

App Name	Best For	Automatic?	Top Cashback Rate	Minimum Payout	My Rating
Chase Bank	Groceries & Transport	Yes	1% (automatic)	None	5/5
TopCashback	Online Shopping	No	Up to 15%	£10	5/5
Quidco	Online Shopping	No	Up to 12%	£5	4/5
CheckoutSmart	Grocery Receipts	No	Up to £2/item	£5	4/5
Shopmium	New Products	No	Up to 100% (free items)	£1	4/5
Airtime Rewards	Mobile Bills	Semi-auto	Varies	None	3/5
JamDoughnut	Gift Cards	No	Up to 10%	Variable	3/5

Key:
Automatic = No need to click through or scan receipts
Semi-auto = Links to your card but you need to shop at specific places
My Rating = Based on ease of use, earning potential, and reliability

Drawbacks of Cashback apps

While cashback apps offer many benefits, it’s important to be aware of some potential drawbacks:

1. Limited Retailers: Not all stores or brands participate in cashback programs. This means that you might not always find the products or services you need within the cashback app’s offerings.

2. Minimum Payout Thresholds: Some cashback apps have minimum payout requirements before you can redeem your earnings. If you don’t reach this threshold, your cashback might remain inaccessible.

3. Impulse Spending: In pursuit of cashback rewards, users might be tempted to make purchases they wouldn’t otherwise make, leading to unnecessary spending.

4. Privacy Concerns: Some cashback apps collect personal data, shopping habits, and transaction details for targeted marketing or data analysis. Users concerned about privacy may be hesitant to share this information.

5. Redemption Restrictions: The ways you can redeem your cashback earnings can be limited. For instance, some apps might only offer gift cards or specific payment methods rather than direct cash deposits.

6. Technical Glitches: Like any technology, cashback apps can experience technical issues, such as crashes or delays in tracking transactions. This might lead to missed rewards or frustration.

7. Changing Terms: Cashback rates and terms can change without notice. A lucrative deal today might become less appealing tomorrow, leaving users disappointed.

8. Overspending: Relying heavily on cashback offers might lead to spending more than intended just to chase rewards, negating any potential savings.

9. Account Management: If you use multiple cashback apps, managing different accounts and balances can become messy and confusing.

10. Eligibility Criteria: Some cashback offers have specific criteria that users must meet, such as minimum purchase amounts or new customer status, which might not always align with your needs.

It’s a good idea to thoroughly research and understand the terms and conditions of any cashback app or casback site before using it. Be sure to assess whether the potential benefits outweigh the potential downsides based on your spending habits and preferences.

Also, withdraw your money as soon as you can – sometimes Cashback apps close down and users lose any money that hasn’t been withdrawn. 

Advanced Tips Section (Add after main app list, before drawbacks)

How to Maximize Your Cashback Earnings

Once you’ve got the hang of using cashback apps, here are my top tips to boost your earnings even further:

Stack Your Savings

Don’t just use one method – combine them! I regularly:

• Use Chase debit card for automatic 1% on groceries
• Check TopCashback/Quidco for online shopping
• Scan receipts with CheckoutSmart for specific product offers
• Buy discounted gift cards through JamDoughnut when they have bonus offers

Last month, I bought a new laptop and saved £45 by buying a discounted gift card (5% off) then shopping through TopCashback (3% cashback). Total saving: 8% plus I used my Chase card for the gift card purchase!

Compare Before You Shop

Always check rates across different apps before making big purchases. TopCashback might offer 3% at one retailer while Quidco offers 5% – that difference really adds up on larger purchases.

Time Your Big Purchases

• Black Friday/Cyber Monday: Cashback rates often increase
• New Year: Many apps offer bonus rates in January
• Back to school season: Great for clothing and electronics cashback boosts

Set Spending Reminders

I have phone reminders for:

• Check cashback apps before any online purchase over £20
• Scan receipts immediately after grocery shopping
• Review monthly cashback earnings to see which apps are worth the effort

Use Cashback for Christmas Shopping

This is a game-changer! I start using cashback apps heavily from September onwards for Christmas shopping. Last year, my cashback earnings basically paid for all the kids’ presents.

The Best Cashback Apps Uk

Cashback apps offer an easy way to save money on your everyday purchases. By choosing the best cashback apps in the UK, you can earn cashback on almost anything you buy online. So why not give them a try? Start saving money today by downloading some of these top-rated cashback apps. Happy shopping and happier saving!

FAQ Section (Add at the end, before conclusion)

Frequently Asked Questions About Cashback Apps

Which cashback app pays the most in the UK?

It depends what you’re buying! For general online shopping, TopCashback and Quidco typically offer the highest rates (often 3-8%). For automatic everyday spending, Chase Bank offers 1% on groceries and transport. For groceries specifically, combining Chase with receipt-scanning apps like CheckoutSmart gives you the best returns.

Do cashback apps really work?

Absolutely! I’ve personally earned over £800 in the last 12 months using various cashback methods. The key is choosing the right apps for your spending habits and actually remembering to use them. Chase Bank is great because it’s automatic, while TopCashback works brilliantly for planned online purchases.

How much can you realistically earn from cashback apps UK?

Most people earn £10-50 per month depending on their spending and which apps they use consistently. Power users who combine multiple methods and time their purchases can earn £100+ monthly. I typically make £30-60 per month with about 10 minutes extra effort per week.

Are cashback sites safe to use?

The established ones like TopCashback, Quidco, and Chase are completely safe and regulated. Always stick to well-known apps with thousands of reviews. Never give your banking passwords to cashback apps – legitimate ones will never ask for this information.

Do I need to pay tax on cashback earnings in the UK?

For most people, no. Cashback is generally considered a discount rather than income. However, if you’re earning substantial amounts (£1000s per year) or it becomes your main income source, it’s worth checking with HMRC or a tax advisor.

Can I use multiple cashback apps at the same time?

Yes, but not usually on the same purchase. You can’t double-dip by using TopCashback and Quidco for the same transaction. However, you can use Chase debit card for automatic cashback PLUS receipt-scanning apps like CheckoutSmart for specific products – that’s perfectly fine!

What happens if my cashback doesn’t track?

Most reputable cashback sites have customer service teams to help with missing cashback. Keep screenshots of your purchases and emails confirmations. TopCashback and Quidco are generally excellent at resolving tracking issues.

How long does it take to receive cashback?

This varies by retailer and app:

• Chase Bank: Monthly, automatically
• TopCashback/Quidco: Usually 2-3 months (some retailers up to 6 months)
• Receipt scanning apps: 3-7 days typically
• Gift card apps like JamDoughnut: Usually instant discount

Which cashback app is best for groceries?

For groceries, I recommend a combination:

1. Chase Bank debit card for automatic 1% on all grocery spending
2. CheckoutSmart for specific product offers (can be 50p-£2 per item)
3. Shopmium for trying new products (often free items)

Can I get cashback on insurance and utilities?

Yes! TopCashback and Quidco offer excellent cashback on insurance renewals, broadband, mobile contracts, and energy switching. I saved £90 on car insurance cashback alone last year. Always check before renewing any annual contracts.

What’s the minimum I can withdraw from cashback apps?

• TopCashback: £10 for bank transfer, £5 for gift cards
• Quidco: £5 minimum
• Chase Bank: No minimum – paid automatically monthly
• CheckoutSmart: £5 minimum
• Shopmium: £1 minimum

The key tip: withdraw your earnings regularly! Some cashback companies have closed down in the past, so don’t let money sit in accounts for too long.

Which is the best cashback app UK for 2026?

For 2026, the best all-around app is TopCashback due to its high rates. However, for everyday “set and forget” savings, the Chase Bank debit card remains the top choice for 1% back on groceries and travel.

Can you use TopCashback and Quidco together?

You cannot use both for the same transaction as only one link will track. To maximise earnings, compare both apps before you buy and choose the one offering the highest percentage or a fixed-price bonus.

Are cashback apps worth the effort?

Yes, especially for large annual purchases like car insurance or broadband. Saving £50-£100 on a single renewal is common, making the few minutes spent clicking through an app highly profitable.

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