Why So Many People Miss Out on Free Money
In a world where every penny counts, millions of people still ignore cashback opportunities that could help them save or even earn extra income. Some don’t understand how it works, others think it’s too complicated, and many simply assume it’s “too small to bother with.”
But the truth is this, banks and apps literally give you money back for doing what you already do every day: shopping, paying bills, and buying groceries. It’s not magic; it’s cashback, and it’s one of the easiest ways to make your money work harder for you.
What Exactly Is Cashback?
Cashback is a reward system where a portion of your spending is returned to you usually as cash, points, or discounts. It’s a simple exchange: companies attract loyal customers, and you, in turn, get paid for spending smartly.
The best part? You don’t need to change your lifestyle. Whether you’re buying coffee, paying for Netflix, or grocery shopping, you can earn money just by linking your card or shopping through a cashback app.
Top UK Banks Offering Cashback Rewards
Chase Bank UK
Chase Bank continues to dominate the UK digital banking space with its simple yet powerful 1% cashback on everyday debit card spending for the first 12 months.
You also earn 5% interest on round-ups, which automatically save and grow the spare change from your transactions. This is perfect for anyone who wants to earn daily cashback without needing a credit card.
Lloyds Bank Everyday Offers
Lloyds’ Everyday Offers is one of the most underrated cashback programs among UK high-street banks. Once you activate offers through online or mobile banking, you’ll get cashback every time you spend at selected retailers from supermarkets to restaurants and online stores.
The offers vary weekly, and you can earn up to 15% cashback, which is paid straight into your current account. This is ideal for regular shoppers who already use Lloyds for their day-to-day spending.
NatWest Reward Account
NatWest Reward Account pays £5 monthly Rewards just for doing things you already do like paying bills by direct debit and logging into your online account.
You can later redeem these Rewards as cash, gift cards, or charitable donations. This is a reliable, no-stress way to turn banking into a source of passive income.
These rewards are not limited to aforementioned banks in this post. However, I recommend you chase up and find out from your local street banks.
Best Cashback and Reward Apps in the UK
TopCashback
TopCashback remains the UK’s most trusted cashback platform. It partners with thousands of retailers, from Tesco and Currys to ASOS and Expedia. You simply visit their site or install their browser extension, click your chosen store, and shop as usual.
You can earn from 1% to over 25% cashback, which is then withdrawable to your bank, PayPal, or as gift cards. Think of it as an invisible bonus that rewards every smart purchase.
TUCK App
TUCK is one of the most exciting new cashback apps in the UK. It links directly to your bank card and automatically rewards you whenever you spend at participating stores, no codes, no clicks, no remembering to activate offers.
It’s a hands-off, real-time cashback system that works whether you’re shopping online or in physical stores. TUCK users can also enjoy personalised offers based on their spending habits. This is a perfect for people who want a modern, automatic cashback experience. You can use my REFERRAL CODE EMMAN39 to earn an extra £1 for signing up.
Quidco
Quidco has been around for years, quietly helping users earn hundreds of pounds a year. Just like TopCashback, you click through their site before shopping, and your cashback tracks automatically. They also offer boosted rates for premium users and seasonal promotions that multiply your earnings.
Klarna
Klarna has become one of the most popular and rewarding financial apps in the UK, offering users both cashback opportunities and a flexible “Buy Now, Pay Later” (BNPL) scheme with little to no interest on eligible purchases. It’s a great tool for those looking to manage short-term payments responsibly while still enjoying everyday spending benefits.
Getting started with Klarna is simple. You can download the app directly from the Google Play Store or Apple App Store and sign up using your personal details. Once your account is active, you can begin exploring exclusive offers, cashback rewards, and interest-free instalment options.
To receive your cashbacks and bonuses, connect your debit card, bank account, or PayPal account, whichever payment method suits you best. Klarna also offers premium membership options with enhanced reward rates and additional perks compared to standard accounts.
You can also support this site by joining via My Klarna Referral Link. When you register through this link, I may receive a small commission at no additional cost to you, a simple way to help keep our content free and informative for readers.
Global Alternatives
For readers outside the UK:
- US Capital One credit card – rewards $200-$300 for signing up and rewards cashback percentages on your spendings.
- US Rakuten (USA) – Earn cashback from Walmart, Nike, and Target.
- US Fetch Rewards (USA) – Scan receipts for points redeemable as gift cards.
- ShopBack (Asia-Pacific) – Works across Australia, Singapore, Malaysia, and more.
These platforms work just like their UK counterparts, giving you cashback or rewards for everyday spending.
Why You Should Care
If you spend £500 a month and earn just 1% cashback, that’s £60 a year for doing absolutely nothing extra. Combine bank offers, cashback apps, and reward credit cards, and you could earn hundreds annually.
Cashback isn’t about getting rich; it’s about being financially efficient learning how to make your existing spending generate small, consistent returns.
How to Get Started
- Sign up for Chase or Lloyds Everyday Offers.
- Go to Play Store or App Store
- Install TopCashback, TUCK, or Quidco on your phone.
- Link your cards or use their browser extensions.
- Shop normally and watch the cashback add up.
💡 Disclaimer
This article is for educational purposes only and does not constitute financial advice.
Cashback rates and offers may vary depending on retailers and account types. Always verify details on the official websites. Mixed Points may earn a small commission when readers sign up through affiliate links at no extra cost to you.
