topcashback vs quidco

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


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!

Every year my wife gives me iTunes vouchers for Christmas (to be fair that’s what I ask for). Once they’re on my account and I know what I want to buy, I click through TopCashback and into iTunes and hey presto I receive around 8% back.  Another of my favourite sites that offer cashback is eBay, which ranges from 1-5%.

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?


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


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.

cashback sites

That is almost £3000 in cashback across both sites!


imutual is slightly different to 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

Visit imutual to find out more.

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.
Which is the best – TopCashback, Quidco, imutual or KidStart?
Over the years, many cashback sites have come and gone and now it’s really a case of TopCashback vs Quidco vs imutual. KidStart is great for Amazon, but their rates man that I would look at TopCashback or Quidco first.
For me, TopCashback wins by a small margin. Their rates are often slightly better and I find that you can withdraw the money sooner. But, there is little to separate the sites, so I would recommend joining them all.
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. 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.

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