Best Cashback Sites in the UK Compared (Which Pays the Most?)
Earning cashback really is one of the easiest ways to save money. If you shop online regularly, £100s a year is perfectly realistic — and I know that because I’ve done it myself for years. The real question isn’t whether cashback works, it’s which cashback sites are actually worth your time and which ones pay the most.
Below is a no-nonsense breakdown of the best UK cashback sites, how they work, and where you’ll usually get the strongest returns.
Best Cashback sites: Quick guide
How cashback sites work (quick explanation)
Have you ever seen someone outside Homebase trying to sell you windows? Every time they refer a customer, they get paid a commission. Cashback sites work exactly the same way — except instead of keeping that commission, they pass most (or all) of it back to you.
You click through a cashback link, buy as normal, and get paid for shopping you were already going to do anyway.
It’s basically paying yourself to shop.
What can you earn cashback on?
It’s not just online shopping. Cashback covers:
• Insurance (home, car, travel, life)
• Broadband, mobile and TV packages
• Subscriptions
• Train tickets and holidays
• Utilities and energy switches
• Even selling your house
There are hundreds — sometimes thousands — of retailers listed. Cashback can be anything from a few pence to well over £100 for a single transaction, especially on insurance or broadband deals.
How do you withdraw cashback?
Once cashback is confirmed (this can take weeks or sometimes months), you usually withdraw via:
• Bank transfer
• PayPal
• Gift cards (Amazon, Tesco, M&S etc.)
Gift cards often come with a small bonus, typically 2–5%, which is worth taking if you’ll use them anyway.
The best cashback sites in the UK
Here’s my honest take on the best options available to UK users, based on real usage rather than marketing hype.
Pros
- Often has the best cashback rates
- Lots of cashout options
- Some great bonus offers
Cons
- Some stores take a long time to pay cashback
- The dispute process is quite slow
Reviewed by Household Money Saving
TopCashback
I use TopCashback the most. It claims to be the highest-paying cashback site and it’s free to join. There is also an option of a paid account, which costs £5 a year but pays bigger bonuses.
Personally, I would recommend trying it out first before opting for the paid account.
Since opening my TopCashback account, I have received well over £9,000 into my cashback account!
Your cashback earnings can be withdrawn as cash, or you can opt for a gift card for a small bonus. It also has a generous refer-a-friend scheme.
Pros
- Huge range of retailers
- Regular boosted cashback rates
- Easy to use website and app
- Occasional bonuses and promo offers
Cons
- Cashback rates are often beaten by TopCashback
- Payouts can take a while to become payable
- Customer support can be slow during busy periods
Reviewed by Household Money Saving
Quidco
Another option is Quidco. Again, it’s free to join and use, with a paid subscription available. You can withdraw by PayPal, Bank Transfer or Amazon gift card, which comes with a 5% top-up.
It’s always worth checking both Quidco and TopCashback before you make a purchase as cashback rates can and do differ. For example, BT may offer £100 cashback at Quidco and £15 at TopCashback one week and then the following week, the amounts will be swapped.
Quidco also offers a ‘Premium Account’ in exchange for a fee. This pays up to 10% extra cashback and 20% in payout bonuses. The cost is £1 per month, but you only pay if you use it.
I have managed to earn over £1,000 since 2009. Not bad when you consider I mainly use TopCashback.
Also worth reading
Cashback is a great way to get extra back with little effort. Why not take a look at some of the best free money offers?
Pros
- Lots of discounts available
- Can be used online and in-store
- Easy to use
- A good referral programme
- Rewards are received quickly
Cons
- A charge for withdrawing cash
- Relies on mobile reception if you’re in-store
- Would be nice if codes were emailed automatically
- Cashback points do expire
Reviewed by Household Money Saving
JamDoughnut
This cashback app works slightly differently from the sites above. Instead of clicking a link, you buy a gift card for your chosen store.
When you buy a gift card, you’ll be rewarded with points. These points can then be exchanged for cash, which is paid straight into your bank account, or you can withdraw them as a gift card.
You’ll find cashback offers from JamDoughnut that you won’t find from its competitors and you’ll sometimes receive better rates.
Bear in mind that you get slightly worse cashback rates if you buy a giftcard using a debit card, rather than a bank transfer.
If you want to try it out, click on the button below and use the code O8ZG when you join for a bonus 300 points (£3).
Pros
- Good cashback rates
- Can be used online and in-store
- A good referral programme
- Games to win extra rewards
Cons
- Stores come and go
- It relies on a mobile reception if you’re in-store
- Only available as an app
Reviewed by Household Money Saving
EverUp
EverUp works in exactly the same way as JamDoughnut.
However, it comes with a few advantages. First of all, you can purchase gift cards using a debit card without a penalty (great if you have a cashback card).
Second, the cashback rates tend to be slightly more compared to competitor apps.
Finally, you’ll also earn coins when you make a purchase. These can be used for spinning a game wheel, which can you earn you extra cash.
Pros
- Decent range of popular retailers
- Voucher Boost can work for frequent shoppers
- Cashback and coins stack together
- Bill tracking may help less organised users
Cons
- Cashback rates usually lower than EverUp
- Coins are worth very little in reality
- “Reduce your bills” deals aren’t unique
- AI tools sound good but feel unproven
Referral code: BleBB2j7
SuperFi
SuperFi is almost a clone of EverUp. When you buy giftcards, you’ll also earn coins, which can be used in exchange for spins for the chance to win money.
It does have a couple of extra features, such as bill tracking if you’re willing to link SuperFi to your bank. But the jury’s still out on that one.
Cashback rates tend to be a little lower compared to EverUp… but not always. However, they can only be bought through bank transfer.
Use the code BleBB2j7 when you join and you’ll earn an extra £2.50 back when you buy a £25 gift card.
Pros
- Leave it to work away in the background
- A good range of retailers
- Can work with other cashback sites
- Generous referral scheme
- An option to withdraw as cash
Cons
- It won’t work with all networks
- Not compatible with American Express
- Limited number of retailers compared to major cashback sites
Reviewed by Household Money Saving
Airtime
Airtime allows you to collect cashback to pay toward your mobile phone bill. Link your debit or credit card to your Airtime account and it earns cashback automatically.
You can then use any money you earn to pay off your mobile phone bill from selected providers (including Vodafone, Three and O2).
Airtime doesn’t have as many retailers signed up as other cashback sites, but you don’t have to remember to click on any links before you shop. Plus, you can use it with other cashback sites!
Click on the button below and use the promo code 8YXY4BLK for a £2 bonus when you spend £5.
Pros
- A simple way to pay off extra on your mortgage
- Free to use
- Some unique cashback offers
Cons
- Cashback can only be paid towards your mortgage, not your bank account
- Better shopping cashback rates can be found elsewhere
- No FSCS protection
- Doesn’t work with every lender
Reviewed by Household Money Saving
Sprive
Sprive is an app aimed at people who want to pay off their mortgage early. There are two ways in which you can do this.
First, Sprive uses AI to analyse your bank account and spending and calculates how much you can afford to save each week.
Second, Sprive allows you to purchase gift cards for major stores in the UK – and some of these stores you won’t find on sites like TopCashback. And you’re not restricted to using these just online, but you can also buy gift cards to use in-store too.
You’ll earn cashback in the region of 2 to 10% for every card you buy. This cashback can then be put towards your mortgage
Use the button below for a £5 bonus when you join.
Pros
- Good range of stores
- Competitive cashback rates
- Some good boosted rates
- A good loyalty bonus
Cons
- No gift card payout option
- Minimum withdrawal of £20
- Can take several weeks to receive your money
Reviewed by Household Money Saving
Budgey
Budgey is one of the newer cashback sites in the UK.
You’ll find over 2,000 stores listed and the cashback rates are quite competitive. Plus, there’s a loyalty scheme, which gives you the potential to earn more.
The site also comes with a browser extension (handy if you have a habit of forgetting to use a cashback site) and an app.
There’s a minimum withdrawal amount of £20 and payment is made by PayPal or bank transfer.
There is a £5 bonus for new customers and you can refer friends to make
Pros
- Good range of stores
- You can exchange cashback for better rates with vouchers
Cons
- Cashback rates are often better elsewhere
- Very few exclusive deals
- Limited voucher options
Reviewed by Household Money Saving
Rakuten
Rakuten is also fairly new to the UK market and offers cashback from a large number of stores.
Cashback you earn can be withdrawn as cash or can be converted into points. These points can then be exchanged for gift cards.
However, cashback rates from Rakuten tend to be lower compared to the others on this list and there seem to be fewer special offers.
Still, there’s a £25 bonus for anybody who signs up by clicking on the button below and spends £50 in one transaction in the first 30 days.
Pros
- A good range of retailers
- Some unique stores are not listed on other cashback sites
Cons
- Rates aren’t quite as competitive as TopCashback
- Limited cashback boosts
Reviewed by Household Money Saving
Swagbucks
Rakuten is also fairly new to the UK market and offers cashback from a large number of stores.
Cashback you earn can be withdrawn as cash or can be converted into points. These points can then be exchanged for gift cards.
However, cashback rates from Rakuten tend to be lower compared to the others on this list and there seem to be fewer special offers.
Still, there’s a £15 bonus for anybody who signs up by clicking on the button below and spends £20 in one transaction in the first 30 days.
Pros
- Access to cashback and discounts
- You may find some good boosted rates
Cons
- Better rates can be found elsewhere
- Lack of withdrawal options
- Site and app aren’t easy to navigate
Reviewed by Household Money Saving
Picodi
Although this cashback site has operated globally for many years, it has only recently entered the UK market. To earn your cashback, you simply have to click on a link from Picodi before you make a purchase.
In general, cashback rates are slightly lower compared to the other sites on this list.
However, it offers lots of boosted rates, so you can earn up to 15% from certain retailers. Plus, it may give you a voucher code for further discounts.
Pros
- Chance to earn money from your usual shopping
- Unique retailers not found on other sites
- Gives your child a helping hand
Cons
- Better cashback rates elsewhere
- You need a child’s account to withdraw to
Reviewed by Household Money Saving
KidStart
Similar to Quidco and TopCashback, KidStart pays you cashback when you click on a link and make a purchase.
But this site has one major difference – you can only withdraw money into a child’s savings account. The child doesn’t have to be yours but could belong to a friend or family member.
It’s a great way to help build your child a nest egg for the future. However, KidStart tends to give lower rates of cashback compared to the other sites.
Pros
- A useful way to build up discounts on your shopping
- Pays quite quickly
Cons
- Limited number of retailers
- Cashback rates are quite low
Reviewed by Household Money Saving
Nectar
The Nectar website doesn’t give you the chance to earn cash. Instead, you earn Nectar points.
Each Nectar point is worth 0.5 pence and can be exchanged for all sorts of things, such as money off your shopping or cheap days out. But the rates are generally far lower than those of its competitors.
One redeeming feature of Nectar is you can sometimes earn points from retailers not found on other sites – such as iTunes.
Apart from that, I would only recommend Nectar if you’re desperate to build up your points.
Which cashback site pays the most?
I decided to take a look at five completely random stores to see the difference in cashback rates across some of the sites listed above.
| Argos | Currys | Debenhams | Clarks | Boots | |
| Topcashback | 1.5% | 1% | 7% | 3.15% | 2% |
| Quidco | 0.75% | 0.75% | 2.25% | 2.25% | 2% |
| JamDoughnut | 3.25% | 4.6% | N/A | 5.5% | 3.6% |
| EverUp | 2.5% | 4.5% | N/A | 5.7% | 3.5% |
| SuperFi | 3% | 5% | N/A | 6% | 3.5% |
| Airtime Rewards | 2% | 1% | 3% | 5% | 5% |
| Sprive | 3% | N/A | N/A | 5.5% | 2.5% |
| Widilo | N/A | 1.25% | 3% | 1.26% | 4% |
| Rakuten | 1% | 1% | 1.5% | 1.5% | 1% |
| Swagbucks | 1% | 1% | 1% | 2% | 2% |
| Budgey | N/A | N/A | 1.8% | 1% | 1.2% |
| Picodi | N/A | 1.3% | 2% | 2% | 2% |
| KidStart | 1% | 1.3% | 0.6% | 2% | 1.3% |
| Nectar | 0.5% | 0.5% | 1% | 1% | N/A |
As you can see, there can be some really big differences in the cashback rate across sites. But TopCashback and Sprive often come out close to the top.
And don’t forget, because you earn cashback from your debit/credit card through the Airtime Rewards apps, they stack together. So, you could get two lots of cashback if you use them alongside (for example) TopCashback.
Which is the best cashback website for UK customers?
There isn’t one clear winner here. When shopping online, TopCashback does tend to have an edge over its rivals… but only slightly. Sprive and Jam Doughnut are worth using, especially if you want some discounts when you’re shopping in-store.
But it’s worth shopping around and joining as many sites as you can. All of these sites will offer a cashback deal for specific stores on different dates. For example, Quidco may offer 10% cashback for a retailer one day and then reduce it to 1% the next. Then, TopCashback may boost the rate the following day. It’s just a case of checking each site before you buy.
You can be sure that you will save money on your online shopping.
A cashback warning
I must point out though, that unless you’re buying gift cards, these sites do not guarantee that you will receive cashback. They have to wait to receive money from the site you clicked on before they send it to you. However, over the last 5 years, I have only had one £10 payment declined. Just make sure you read the T&C’s to each offer before you click through.
Further reading
If you like the idea of cashback, then why not take a look at how you can earn extra by shopping with your credit card.
And if cashback interests you, take a look at some of the best cashback apps available, so you can save even more money!
Or, take a look at my quick guide to cashback sites for more information.
Gone but not forgotten – cashback websites no longer with us
The following cashback sites are no longer with us.
Scrapped 2021:
Boom25: A cashback site that gave you a 1 in 25 chance to win the full value of your purchase back.
Scrapped 2022:
My money pocket: Similar to TopCashback but rates weren’t so tempting.
Scrapped 2023:
Swapi: A cashback app linked to your bank account.
LoyalBe: Another app that linked to your bank to earn you cashback.
Scrapped 2025:
Imutual: This site offered shares as well as cashback… but the rates weren’t great.
FAQs
Do you need to pay tax on cashback?
No. Cashback is seen as a discount, rather than earnings, which means that you don’t have to pay tax.
Are cashback websites worth it?
Definitely. For just a minute of your time before you make a purchase, you can make anywhere between a few pence up to well over £100 back.
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