best cashback sites in the UK

The Best Cashback Sites in the UK

Earning cashback is so easy to do. If you’re a regular online shopper, you could possibly earn £100’s every year. But which are the best cashback sites?

Have you ever seen that guy that stands outside of Homebase trying to sell you windows? Well, every time he refers somebody he receives a fee. Cashback sites work in a similar way. However, instead of the cashback site keeping the money, they send it to you. It’s almost like paying yourself when you shop.

There are 100’s if not 1000’s of retailers listed including most major chains, and you can earn anything between a few pence to well over £100 in a single transaction.

What can you get cashback for?

It’s not only shopping you can get cashback from. Insurance, subscriptions, TV services, tickets and much much more. According to this article, you can also get money back on MOT’s, Wills, Gym membership and even selling your house!

There are 100’s if not 1000’s of retailers listed including most major chains, and you can earn anything between a few pence to well over £100 in a single transaction.

How do you withdraw money?

Once your money has been confirmed (which can take between a few weeks to a few months), there are several options to withdraw. This can be straight into your bank account or by PayPal. Another option is by gift vouchers (such as Amazon and M&S) which come with a small % bonus if you choose that method.

Which are the best cashback sites?

We are lucky enough to have plenty of options available when it comes to cashback. Here is a list of some of the best cashback sites available to UK customers.

TopCashback

I use TopCashback the most. It claims to be the highest paying cashback site and is free to join.  There is also an option of a paid account which costs £5 a year but pays bigger bonuses. Personally, I would see how much you use it first before you opt for the paid account.

Since opening my TopCashback account, I have received £2557.98 and counting

best cashback sites

Quidco

Another option is Quidco.  Again, it’s free to join with a £5 membership option for an increased payout. You can withdraw by PayPal, Bank Transfer or Amazon gift card which comes with a 5% top-up.

It’s always worth checking both sites 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.

I have managed to earn over £400 since 2009. Not bad when you consider I mainly use TopCashback.

best cashback sites

Sign up to Quidco >>

Boom25

Boom25 is a cashback site with a twist. Unlike the other sites, you aren’t guaranteed to earn cashback every time you shop. Instead, you have a chance to win the total cost of your shopping back. And what are your odds of winning? Well, the clue is in the name – 1 in 25 shoppers win their money back. Actually, some stores offer even better odds than that with the likes of boohoo offering a 1 in 14 chance.

There is also an option to purchase gift cards from some of the UK’s most popular retailers which could win your money back. Tesco, Argos, Currys and Amazon are just some of the companies on offer. You can even earn a bonus on some cards when you spend over a certain amount. But these bonuses aren’t the most generous with many offering £1 for a £100 gift card.

boom25 review

There are a couple of important terms to note though. You don’t get to win your money back on delivery charges or VAT – which can be up to 20% in the UK. I bought some trainers for £49.98 from MandM Direct (including delivery) but the total I would win back was £37.49.

Some stores only give you the chance to win back a certain percentage of the purchase price. For example, buy something at eBay and you will only have the chance to earn 50% from your purchase.

If you do win with Boom25, they will email within 1 – 130 days of your purchase to let you know. You can then withdraw your money into your PayPal account.

Whether you to choose to use Boom25 over the likes of TopCashback and Quidco really depends on how lucky you feel. Over a period of time, they should even themselves out.

Boom25 does often offer incentives for new customers. When I joined, I earned 50 pence for joining and another £5 when I made my 1stpurchase. Just click on the link below to find out what’s on offer.

Join Boom25 >>

imutual

imutual is slightly different from the above cashback sites. Not only do you earn cashback from your purchases, but you also earn shares. And being rewarded with shares means that you become a part-owner of imutual. Although that sounds quite good, I have yet to see any real benefit. Usually, shareholders are paid a dividend (profits shared between the owners) but imutual don’t have any plans to do this.

However, there are plenty of opportunities to earn cash from imutual just by clicking through to comparison sites.

imutual cashback
Sign up to imutual >>

KidStart

Similar to Quidco and TopCashback, KidStart 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.

However, KidStart tends to give lower rates of cashback compared to the other sites. But it does have one redeeming feature in that it gives Amazon cashback! This is incredibly rare, so if you’re a regular Amazon user, you should jump at the chance.

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.  

And if you’re willing to wait, you can exchange your points in the Sainsbury’s double-up event to get twice their value.

nectar cashback site

Swagbucks

Swagbucks isn’t exclusively a cashback site. There are plenty of ways to make money such as completing surveys, watching videos and searching the web.

However, follow a link to your favourite shops from Swagbucks and you’ll earn Bucks. These can then be exchanged for cash or money off vouchers at some of the most popular retailers.

Which is the best cashback site for UK customers?

I decided to take a look at 5 completely random stores to see the difference in cashback rates across some of the sites listed above. I didn’t include Boom25 due to the fact it works slightly differently.

ArgosCurrysDebenhamsJust EatWalt Disney World
TopCashback N/A 1% 3% 1.05% 3.15%
Quidco N/A 1% 3% 1% 4%
imutual N/A 1% (+shares) 2.1% (+shares) N/A N/A
KidStart 1% 1% 2% 1.5% 2%
Nectar 0.5% 1% 3% 0.5% N/A
Swagbucks 1% 1% 2% 2% 2%

As you can see, there isn’t usually a big difference in % between cashback sites. But you can see that not all sites offer cashback at all stores.   My advice would be to sign-up for all of them. And before you make a purchase, shop around to find the best rates.

A cashback warning

I must point out though that these sites do not guarantee that you will receive cashback. They have to wait to receive money from the site you clicked onto 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.

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.

*Please note that the above links are affiliates which means I may receive a referral fee if you decide to join.