Skip to Content

13 best cashback apps in the UK

Searching for the best cashback app? Then take a look at these 13 great options and see how you can save money when shopping at your favourite stores.

the best cashback apps


The best UK cashback apps and sign up bonuses

  • Airtime Rewards – £1 bonus
  • JamDoughnut – £2 bonus
  • Sprive – £5 bonus
  • TopCashback – £10 bonus
  • Quidco – £1 bonus
  • HyperJar
  • Picodi – £4 bonus
  • Swagbucks
  • Cheddar
  • KidStart
  • Shopmium – free product
  • CheckoutSmart
  • GreenJinn


Possibly, one of the simplest ways you can make money is through cashback. It’s almost like receiving an instant discount. The issue is remembering. This is where a cashback app comes in handy. What better way to remember than having it at your fingertips on your phone? Here, I have listed some of the best cashback apps.

How do cashback apps work?

This depends on the app you’re using. Some apps require you to link your debit or credit card to the app and money will automatically be added to your account when you make a purchase at a particular store. Other apps require you to click on a link before purchasing online. And finally, some apps need you to purchase a specific item from a supermarket. Then, scan your receipt and you’ll receive money back – sometimes a percentage, sometimes all of it.


The best cashback apps

And here are the best apps available in the UK.


Airtime Rewards

The first cashback app to make it to the list is very easy to use. All you need to do is link your debit or credit card to the app and when you make a purchase at a qualifying store, cashback will automatically be sent to your account. The money you earn can then be put towards your mobile phone bill. As you can see, I’ve picked up £236.60 over the years.

Retailers listed on the app change, but you can often find the likes of Boots, Morrisons, Primark and Matalan listed there. And the great thing is the cashback works both online and in-store.

On top of that, you can buy discounted gift cards and you’ll also get a bonus 50 pence if you sign up using my code 8YXY4BLK. And make a purchase within a week for another 50 pence.

Airtime Rewards

Pros:

  • ✅ Leave it to work away in the background
  • ✅ A good range of retailers
  • ✅ Can work with other cashback sites
  • ✅ Generous referral scheme

Cons:

  • ❌ Cashout option is very limited
  • ❌ It won’t work with all networks
  • ❌ Not compatible with every bank or American Express


JamDoughnut

JamDoughnut gives you money off your shopping at selected stores. But to do so, you need to purchase a gift card for that store through the JamDoughnut app first. When you do this, you’ll earn cashback.

For example, if you’re about to spend £100 at Sainsbury’s, you buy your £100 gift card from JamDoughnut and use it to pay for your shopping. You’ll receive £4 back from JamDoughnut.

When you reach £10, you can withdraw your earnings to your bank account or as a gift card.

If you want to try it out, follow the link below and use the code O8ZG. You’ll get 200 points (£2) after you make your first purchase.

JamDoughnut

Pros:

  • ✅ Lots of discounts available
  • ✅ Can be used online and in-store
  • ✅ Withdraw as a gift card and earn a bonus
  • ✅ A good referral programme
  • ✅ Rewards are almost instant

Cons:

  • ❌ A charge for withdrawing cash
  • ❌ It relies on a mobile reception if you’re in-store
  • ❌ It would be nice if your discount code was also emailed to you


Sprive

Sprive transactions

This is a great cashback app… with a little twist. Sprive is an app that encourages you to pay extra off your mortgage. It does so in two ways – first, it uses AI to analyse your bank account and take small amounts each week. Second, you can earn cashback when you buy giftcards for certain sites and stores. These include Airbnb, JustEat, Primark, B&M and many more. Rates range from 2-10% and earnings are added instantly to your Sprive account.

The money you earn can then be used as overpayments to your mortgage.

Use the code INRWFKGS when you join and you’ll get a £5 bonus towards your mortgage.

Sprive

Pros:

  • ✅ A simple way to pay off extra on your mortgage
  • ✅ Free to use
  • ✅ Some good cashback offers

Cons:

  • ❌ The money you earn from shopping can only be paid towards the mortgage and not into your bank account
  • ❌ No FSCS protection
  • ❌ Doesn’t work with every lender


TopCashback

TopCashback app

If you haven’t used TopCashback before… where have you been? TopCashback is one of the biggest UK cashback sites and comes with a handy app. When you’re shopping, just click on a link before you make your purchase.

Cashback will be paid into your account, although this can take several months.

If you’re willing to link your bank account, there is an opportunity to earn cashback in-store as well.

Membership is free, although there is a paid option for extra benefits. You can withdraw your earnings through PayPal, via your bank or as a gift voucher, which will earn you an extra boost.

Use the button below for a £10 bonus after you’ve made your first purchase.

TopCashback

Pros:

  • ✅ Some of the best cashback rates
  • ✅ Can withdraw through PayPal and bank transfer
  • ✅ Bonus for withdrawing as gift cards
  • ✅ Some decent bonus offers
  • ✅ Can be used online and in-store

Cons:

  • ❌ In-store offers are limited
  • ❌ Cashback can take months before it’s paid
  • ❌ Customer service can be slow


Also worth reading

Find out how to earn more from the best money making apps.


Quidco


Quidco app

Quidco is a real competitor to TopCashback. It works in exactly the same way and offers a similar list of retailers. You’ll often find that Quidco and TopCashback have slightly different cashback rates, so it’s worth checking which will earn you the most before you shop.

Again, there is a paid membership option for those who think they can make use of the benefits.

Use the button below for a £1 bonus after your first purchase.

Quidco

Pros:

  • ✅ A wide range of retailers
  • ✅ Withdraw as cash or gift cards

Cons:

  • ❌ Rates aren’t always as good as TopCashback
  • ❌ Can take months for cashback to clear
  • ❌ No in-store offers


HyperJar

Discount examples from HyperJar

HyperJar is primarily a free budgeting app, but it comes with many added features. It’s especially great for those who spend abroad or want a free pocket money account for their kids.

But there’s also the chance to earn cashback. In your account, you’ll find offers for selected stores. Just make a purchase using your card and the cashback will be paid into your HyperJar account. I have seen offers for:

  • 10% off at Domino’s
  • 2% off at eBay
  • 25% off at Samsung

You can also purchase gift cards for over 50 retailers, each earning you between 1 and 15% cashback. Again, the money will be paid straight into your HyperJar account. Retailers include Amazon, Primark, Aldi, Asda and Morrisons.

HyperJar

Pros:

  • ✅ Cashback can be stacked with Airtime Rewards
  • ✅ Some fairly generous rates
  • ✅ Good budgeting features

Cons:

  • ❌ You’ll need to remember to check the latest offers
  • ❌ The number of retailers is quite limited


Picodi

Picodi cashback stores

Picodi is fairly new to the UK but has been operating in other parts of the world for many years. Once you have an account, just open the app and click on a link to the store you want to shop at. You’ll then earn cashback.

Rates aren’t always as good as some of its rivals, but you will find special offers. Each day there is a boosted offer… although these can be a little underwhelming.

Another benefit of this app is that it gives you easy access to discount codes.

Click on the button below and you’ll get a £4 sign-up bonus.

Picodi

Pros:

  • ✅ You can find some decent boosted rates
  • ✅ Cash straight into your bank account
  • ✅ A good number of discount codes

Cons:

  • ❌ Rates are generally better at TopCashback
  • ❌ Limited number of retailers listed
  • ❌ Not the easiest app to navigate


Swagbucks

Swagbucks cashback stores

Swagbucks is a ‘Get Paid To’ site, where you can earn in various ways such as surveys, watching videos, searching the web and through cashback.

Click on a link on the Swagbucks app to your chosen store, make a purchase and earn cashback.

You’ll also find a section called ‘Magic Receipts’, another form of cashback. Buy a selected product, take a photo of the receipt and earn money back.

Swagbucks

Pros:

  • ✅ Some unique retailers not found on other sites
  • ✅ Lots of cashout options
  • ✅ Can be combined with other ways to earn
  • ✅ Cashback becomes payable fairly quickly

Cons:

  • ❌ Rates can be lower than other sites
  • ❌ Customer service is a little slow


Also worth reading

Find out some of the best ways to make money online.


Cheddar

Using open banking, Cheddar links to your bank account and pays you cashback when you spend at one of their chosen retailers – no need to click on any links. Cashback rates range from 1-10% and it can stack with Airtime Rewards and TopCashback

You can also purchase gift card for stores such as Tesco, Asda and Amazon and receive instant cashback.

Cheddar

Pros:

  • ✅ Easy way to earn cashback
  • ✅ Works with American Express
  • ✅ Pays quickly

Cons:

  • ❌ No search function, so it’s difficult to find certain retailers
  • ❌ Doesn’t work with all banks


KidStart

Like TopCashback and Quidco above, open the app and click on the link to your favourite shop to earn cashback. But KidStart is a little different.

Any money you earn will be paid into a child’s savings account. This doesn’t have to be your child but could be a friend or family member. Although cashback rates aren’t quite so reasonable, there are different retailers available and this is an excellent way to help your kids build for their future.

KidStart

Pros:

  • ✅ Great for helping your kids
  • ✅ Unique retailers not found on other sites

Cons:

  • ❌ Cashback rates are generally lower
  • ❌ Can only withdraw into a child’s account


Best supermarket cashback apps

How would you like to earn cashback when you buy certain items when you do your weekly shopping? Several apps can give you great discounts on essentials like bread, cheese, squash and alcohol… All you need to do is take a photo of your receipt (and sometimes the item) and submit it through the app.

Each app will have different offers that will help reduce the cost of your weekly shopping. Depending on the app, they can be store-specific. For example, you can earn £1 cashback for buying three loaves of bread, but this is only valid from Tesco.

Here are some of the best:


Also worth reading


Shopmium

This app has a map with stores local to you and the various offers listed. To claim, you need to scan the product barcode and take a photo of the receipt, and then the money is added to your account. The minimum withdrawal amount is £5, which can be paid into your bank or PayPal account.

Apple users can download here

Android users can download here.

Sign up using the referral code AMUAFFUR, you will receive a special offer and I will receive a small referral fee.


CheckoutSmart

CheckoutSmart operates the same as the above two apps, except that their offers aren’t store-specific. This does mean fewer offers but also means less traipsing around. You can request payment at any time, either through PayPal or your bank account but there is a 5% fee for anything under £20.

Apple users can download here

Android users can download here


GreenJinn

Like the other apps, GreenJinn is slightly limited as it only covers Tesco, Sainsbury’s and Waitrose. However, more supermarkets are planned. The app allows you to exclude vouchers you’re not interested in, making it far easier for you to find relevant offers. Like all the others, it’s a case of taking a photo of your receipt and submitting it. Once you reach £1.50, you can withdraw your earnings to PayPal or your bank account.

Apple users can download here

Android users can download here


Earn further cashback through receipts

Not only are there apps that give you cashback when you buy specific items, but there are also some that give you cashback just for a photo of your receipt. And this can be a receipt for food, electronics, games, or almost anything. All you need to do is to take a snap of that small piece of paper and submit it through the app. You will then have points or cash that can be paid into your PayPal account or exchanged for vouchers.

There are plenty available. Take a look at my page on the best receipt scanning apps.

Which is the best UK cashback app?

This is a tough one. Although it’s a shame that Airtime Rewards is restricted to paying off your mobile phone bill, it’s the easiest one to use. But there’s no reason why you can’t use all of the apps and make the most of them.

Don’t forget to stack your cashback!

Remember, you can claim cashback from multiple apps. For example, shop at Boots and you can collect money back from Cheddar, Airtime Rewards and you’ll be able to scan your photos afterwards. Before you go shopping, take a quick look to see what offers are available to you.

If you want to find out more about cashback sites, read more about TopCashback and Quidco.

Gone but not forgotten

Upside: This works in a very similar way to Airtime Rewards. Again, link your cards (or even a bank account) and cashback will be earned automatically. Cashback rates are slightly lower than Airtime, but the money can be paid to your bank rather than mobile phone bill – Scrapped January 2022

ClickSnap: A supermarket cashback app from Quidco – Scrapped December 2022

Super: An app that gave cashback when you clicked and shopped through links – cashback finished March 2023

Swapi: This app gave you cashback when clicking links or linking a bank account. It stopped working in March 2023.

LoyalBe: An app you could link to your bank to earn cashback. Ended July 2023.