Make money as you spend money. Sounds too good to be true, doesn’t it? Well, it’s not! By signing up to TopCashback you can earn cashback on thousands of different items. There really is no catch and the service is free. TopCashback makes its money through advertising and from retailers when it sends loads of shoppers their way.
Shop via TopCashback site or app. Browse and buy goods from any device either via the TopCashback website or using the app (available on Google Play and the App Store).
Browser extension. Download the free TopCashback browser extension and you’ll be notified whenever you can get cashback when browsing online. The beauty of this is that you’ll never miss out on the best deals.
Snap & Save. Get cashback when you spend in-store as well as online with Snap & Save. Just buy your goods as normal in-store and hang onto the receipt. When you get home take a pic of the receipt and upload it to the TopCashback website or app to claim your cashback. Easy peasy!
In-store OnCard cashback. Another way to claim cashback on in-store purchases is to register your bank card with your TopCashback account. Before you shop, activate the offers you’d like to use and then buy your goods as normal. As long as you’ve activated the offer, TopCashback will make sure you collect your cashback.
What brands does TopCashback work with?
TopCashback works with over 5,000 brands, including the big hitters like Amazon, Currys, ASOS, Argos, eBay and Asda. You can also claim cashback when you book travel through websites such as booking.com and hotels.com, as well as on services like insurance and utilities.
How much cashback do you get from TopCashback?
It depends on how much you spend with the brands that are signed up with TopCashback, but on average shoppers earn an awesome £345 each year. Not bad, eh?
Is the TopCashback app free?
TopCashback offers 2 types of accounts: a Classic free account and a Plus account (which is £5 per year). The Classic account offers 10% of the commission TopCashback receives and bonuses of up to 5% when you request a payout. The Plus account gives you greater benefits, including 105% of the commission TopCashback receives as cashback and bonuses of up to 10% on top of your payouts.
Note: you don’t pay upfront for a Plus account. TopCashback just retains the first £5 of your earnings each year. If you don’t earn that much, your account is free.
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You won’t get your cashback straight away. Your earnings should appear on the Earnings page of your account within 7 days but TopCashback needs to wait until the retailer’s returns period has ended before it receives the commission for your purchase. As soon as that’s available it’ll mark the cash “payable” on your account and you can withdraw and spend it.
How do I receive my cashback payout from TopCashback?
Bank account. Transfer it to your account and spend it straightaway.
PayPal account. Add it to your PayPal account and use it to shop online.
Avios points. Convert your cashback into Avios points (the rewards scheme of British Airways Executive Club) and spend them on flights, hotel accommodation, car rental and experiences.
Gift cards. Transfer your cashback to your TopCashback Reward Wallet and use it as a gift card at retailers like Amazon, M&S, Love2Shop and many more.
Charity donation. You can also donate your cashback to a number of charities that are registered with the TopCashback site. To view the list, go to the Donate to Charity page on the TopCashback website.
Pros and cons of TopCashback
Pros
Sign-up is free
Earn cashback on products from over 5,000 retailers
Claim cashback on online and in-store purchases
Browser extension makes sure you never miss an offer
Cons
It can take some time before your cashback is available in your account
Tracking issues sometimes mean retailers don’t pass on your cashback
Can TopCashback be trusted?
Yes, TopCashback has a solid reputation in the cashback sector, plus it’s one of only a few that pass on 100% of what it gets from the retailer to its customers. Disputes occassionally arise between retailers and cashback sites and when they do it means you might not always get your money. This is why it’s important to think of cashback as a bonus not a guarantee. Any money you do make on purchases is a perk, not a given.
Is TopCashback any good?
Yep, it consistently pays the best cashback rates among its competitors. Customers love it too: it has 4.5 stars out of 5 on TrustPilot based on more than 140,000 reviews and the app has 4.8 stars on App Store based on more than 120,000 reviews (both as of April 2024).
Frequently asked questions
It varies. You’ll see your cashback earnings in your account usually within 7 days of your purchase, but the money will only be available to you once the retailer’s returns period has passed and it has paid TopCashback the commission for your purchase. You’ll know when your cashback is ready to draw when it’s marked as “payable” in your account.
Quidco is TopCashback’s biggest rival and the 2 often go head to head to offer the best deals for their customers. Currently, TopCashback is the better of the 2, offering a cashback rate of up to 165% compared to Quidco’s 160%. TopCashback also has deals with over 5,000 retailers, compared to Quidco’s 4,500, and allows you to split your payouts which Quidco currently doesn’t.
Yes, there are 2 ways you can do this. You can Snap & Save by retaining your in-store receipts and then uploading a pic of them to your TopCashback account (via the website or app) to claim your rewards. Or, you can link your bank card to your TopCashback account so that when you spend in-store the cashback offer will be automatically added to your account.
Yes, TopCashback allows its users to split the payout between various payment methods. This means you can use the cashback to purchase a gift card or top up your bank account and donate to your chosen charity at the same time.
TopCashback launched in 2005 and has had a meteoric rise. Today, there are more than 15 million TopCashback members worldwide.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Melissa is a copywriter with over 15 years' experience writing content for a variety of different brands. She has written reviews and buying guides for a number of consumer websites, including Which? and GoCompare. She's passionate about helping people get a fair deal. When she's not working, she enjoys travelling, cooking, and surfing the beaches on the North Devon coast. See full bio
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