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What Is Nectar Connect And Is It Worth Joining?

Are you a fan of loyalty points? Do they keep you coming back for more? Then there’s a new scheme that might appeal to you. Find out what Nectar Connect is and if it’s really worth signing up for.

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I’m quite the sucker for loyalty schemes and find myself heading back to the same shops again and again, just so I can use my points to grab a bit of a bargain.

On the downside, it does seem that I’m having to spend most of my free time writing about these schemes too. You see, no longer is it a case of just exchanging your points for money off your shopping. No, you can exchange them for a whole host of benefits. Both Tesco and Nectar allow you to swap your points for some great bonuses. Take a look at my posts on the best ways to spend your Nectar points or where to spend your Tesco vouchers to see some useful tips.

The good news is, as these schemes compete against each other, they seem to offer newer and better ways to earn points. Take a bow, Nectar Connect.

What is Nectar Connect?

Nectar Connect is a process of linking your Nectar card to your credit card or bank account. By doing this, Nectar knows when you have spent in one of their participating retailers and will give you Nectar points. Plus, you don’t need to swipe your Nectar card.

Is it Safe?

Nectar Connect uses TrueLayer to connect to your bank or credit card. This is bank-grade security, meaning that your information should be kept secure. This is the same technology that budgeting apps like Chip and Plum use. And it’s important to note that it has a read-only ability. That means Nectar Connect can’t make any transactions from your accounts.

The banks you can link to

  • American Express
  • Bank of Scotland
  • Barclaycard
  • Barclays
  • CapitalOne
  • Chelsea Building Society
  • Danske Bank
  • First Direct
  • Halifax
  • HSBC
  • Lloyds Bank
  • M&S Bank
  • mbna
  • Monzo
  • Nationwide
  • NatWest
  • RBS
  • Revolut
  • Sainsbury’s Bank
  • Santander
  • Starling Bank
  • TSB
  • Tesco Bank
  • Wise
  • Ulster Bank
  • Virgin Money
  • Yorkshire Building Society

Linking your account

Linking to your bank account is very easy to do (as long as you already have online banking). Just follow the link from the Nectar site (or app) for your chosen bank and enter your login details. If you’re using the app from your phone, you should be able to link to your banking app without needing to enter any details.

Then, just accept the permissions and you’re all done.

Your account will be linked for 90 days and will need to be renewed after this period.

screenshot from the nectar app

What are the benefits?

So, as I said above, you don’t need to use your Nectar card when shopping as the whole process is automated. Nectar promises the following benefits:

  1. Provides you with Nectar points offers based on your everyday spend
  2. Works out which offers you have used in order to automatically qualify for your Nectar points

Nectar Connect claims that you will be offered up to 30 points per £1 for a transaction (take a look at how much Nectar points are worth). For comparison, you usually earn 1 point per £1 spend at Sainsbury’s.

I had a whole host of offers when I checked my account. Including:

  • Costa – 20 points per £1
  • InterFlora – 30 points per £1
  • Just Eat – 20 points per £1
  • Papa Johns – 20 points per £1
  • Pets at Home – 20 points per £1

It’s important to note that these are welcome offers and can only be used one time.

The downsides

Past the welcome offers, it’s difficult to see how generous the points will be after you sign up. As they are supposed to be tailored to each individual, it may be better for some compared to others.

And joining does depend on how comfortable you are with sharing data. You are giving a lot of information away about yourself to Nectar for little reward. They will now know your spending habits outside of all the companies that belong to the Nectar group.

But on the other hand, this information isn’t really top-secret. Your bank will obviously know your habits, as well as the individual shops you spend at. It’s just that Nectar will collate it all together. And although you’re giving this data away for little reward, what would you have done with it anyway?

Whether you join depends on how much you value your privacy compared to how much you receive in return.

So, is Nectar Connect worth it?

I’m undecided at the moment. None of the offers really appeal to me at the moment and I wouldn’t make use of any of them. But I’m hoping that the longer that I stay connected, the better the offers are.

If you like collecting Nectar points, take a look at when the next Double Up event is, where you can get 2 x the value for your points.

Or see how you can earn some free Nectar points through the Daily Mail.

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Thursday 29th of July 2021

Any follow up on what offers have been added? If they are all just one offs (one transaction), even if it is a retailer you use, it hardly seems worth it.

Money Saver Pete

Thursday 29th of July 2021

Hi Jackie. At the moment I have offers from: Kate Spade, Mountain Warehouse, Lands’ End, JoJo Maman Bebe, Lakeland, Quiz, Interflora, Coach and Harvey Nichols. They all offer between 10 and 30 points per pound spent. I could hardly contain my excitement typing it…


Friday 2nd of July 2021

Great article! Thanks for giving a simplified version. There’s so much small print to read that it can get confusing as to which ones are positives etc. This has really cleared a lot of my questions up!

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