{"id":558673,"date":"2025-05-06T12:15:23","date_gmt":"2025-05-06T11:15:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=558673"},"modified":"2025-12-09T12:52:51","modified_gmt":"2025-12-09T12:52:51","slug":"cashback-vs-interest","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/cashback-vs-interest","title":{"rendered":"Cashback vs interest: What\u2019s better for your everyday account? Why not both?"},"content":{"rendered":"<p>Do you have money sitting in your current account doing nothing? <\/p><p>If so, it doesn\u2019t have to be that way. Earning cashback or interest with your everyday account are just a couple of ways to make your money work for you. <\/p><p>But is one better than the other? Let\u2019s see how they stack up against each other. <\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block has-padding-top-xsmall has-padding-bottom-xsmall\"><footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\" style=\"margin: -10px -12px 2px -10px;\"><span class=\"disclaimer_popup--text\">Promoted<\/span><a class=\"has-padding-left-xxsmall\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><\/a><\/footer><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/5@s u-grid__col--orderLast@s\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/uphold-cryptocard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFSA%22%2C%22image%22%3A%22https%253A%252F%252Fwww.finder.com%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2025%252F05%252Fifast.png%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2223429%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22b7b902fd-6e7b-4370-99ed-928af517049a%22%2C%22product_name%22%3A%22uphold%22%2C%22provider_id%22%3A%22db7f80b9-e95d-4013-8513-54a75e433a35%22%2C%22provider_name%22%3A%22uphold%2Bbc%22%2C%22post_id%22%3A%22558673%22%2C%22post_path%22%3A%22current-accounts%252Fcashback-vs-interest%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/ifast.png\" alt=\"Uphold logo\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/ifast.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/ifast.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/ifast.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-4\/5@s\"><p>This is a paid content promotion brought to you by iFAST Global Bank. <\/p><p>The iFAST Global Bank Multi-Currency Current Account gives you 2% cashback on spending up to \u00a32,000 every month. You have until 30 June 2025 to take advantage of this rate, which can earn you up to \u00a340 a month in cashback. Subject to applicable terms and conditions.<\/p><p>You\u2019ll also earn 3.50% AER (variable) on GBP in your account, 1.25% AER (variable) on EUR, and 2.80% AER (variable) on USD. <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/ifast-multi-currency-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Learn%2Bmore%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22offer_id%22%3A%2227000%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%2264dff088-b2e2-4bcc-ba90-328fa2354b55%22%2C%22product_name%22%3A%22iFAST%2BGlobal%2BBank%2BMulti-Currency%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%22df67c079-6b67-433c-959c-bc22fc2b31c1%22%2C%22provider_name%22%3A%22iFAST%2BGlobal%2BBank%22%2C%22post_id%22%3A%22558673%22%2C%22post_path%22%3A%22current-accounts%252Fcashback-vs-interest%22%2C%22post_country%22%3A%22uk%22%7D\">Learn more<\/a>. <\/p><\/div><\/div><\/div><\/article><h3>Cashing in with cashback<\/h3><p>If you\u2019re unfamiliar with cashback, it\u2019s a type of rewards programme where you earn a percentage back of what you\u2019ve spent. For example, if you have an account with 2% cashback and you bought something that was \u00a350, you would get \u00a31 back.<\/p><p>It\u2019s a nice perk to have with your everyday account, as you can instantly feel the benefit, and it\u2019s something that you can earn on things you\u2019re spending on already. <\/p><p>To make things simple, here\u2019s a round-up of the benefits:<\/p><ul><li><strong>Rewards for spending.<\/strong> You can earn cashback on purchases you would already make.<\/li><li><strong>Money straight into your account.<\/strong> Cashback tends to be paid straight into your account, although that does depend on the provider, so you\u2019ll see the benefits almost right away.<\/li><li><strong>Offset your costs.<\/strong> Earning cashback essentially reduces the price of your purchases.<\/li><li><strong>Easy to calculate.<\/strong> Cashback tends to be a flat rate, which makes it easy to calculate how much you\u2019ll earn.<\/li><\/ul><p>However, there are some things to be aware of with cashback, especially if you\u2019re comparing it to being able to earn interest on your account:<\/p><ul><li><strong>Spend money to earn money.<\/strong> You have to spend in order to earn the reward, which is not ideal if you\u2019re trying to cut back.<\/li><li><strong>Limits and caps.<\/strong> There is sometimes a cap on how much cashback you can earn in a month.<\/li><li><strong>No compounding effect.<\/strong> Unlike interest, cashback doesn\u2019t grow over time. What you see is what you get.<\/li><\/ul><h3>Making gains with interest<\/h3><p>Having a current account with interest is another way to put your money to work. <\/p><p>It has the big advantage of being low maintenance, as you don\u2019t need to move your money to a separate savings account; instead, you earn interest on what is sitting in your current account. You can also take advantage of compound interest, where you essentially earn interest on your interest. <\/p><p>If you\u2019re on the fence about interest vs cashback, here\u2019s why you may want to go with interest: <\/p><ul><li><strong>Earn without spending.<\/strong> You can earn interest without having to spend a penny of your money. <\/li><li><strong>Compound interest.<\/strong> Grow your money faster as your interest builds on itself.<\/li><li><strong>Low maintenance.<\/strong> There\u2019s no setting up separate accounts or keeping limits in mind, you can just sit back and watch your balance grow.<\/li><\/ul><p>And here are a few things to think about:<\/p><ul><li><strong>Rates can change.<\/strong> Interest rates can change, depending on the market. <\/li><li><strong>Smaller returns.<\/strong> The returns can be smaller month on month compared to cashback, but that depends on the interest rate and how large your balance is.<\/li><li><strong>Inflation risk.<\/strong> If the interest rate on your account is less than inflation, then you\u2019re losing money.<\/li><\/ul><h3>Which is better? <\/h3><p>One option is not better than the other, but they are different. <\/p><p>For example, if you use your debit card regularly, like to see tangible returns and are happy to meet certain spending criteria \u2013 then cashback will suit how you already manage your money. <\/p><p>On the other hand, if you save more than you spend, are interested in earning on idle cash and are happy with longer-term growth \u2013 earning interest on your current account will be right up your street. <\/p><h3>What if you don\u2019t have to choose? <\/h3><p>We\u2019ve been pitting cashback and interest against each other, but what if you didn\u2019t have to choose? The beauty is that there are accounts that offer both.  <\/p><p>For example, with the iFAST Global Bank Multi-Currency Current Account, you get 2% cashback on spending up to \u00a32,000 every month. Meaning, in real terms, if you max that out, you could earn up to \u00a340 cashback a month. <\/p><p>Plus, you also earn 3.50% AER (variable) on any pounds sterling held in your account. That\u2019s not money you\u2019ve had to put away into a savings account, it\u2019s a competitive interest rate on whatever your balance is. <\/p><p>iFAST Global Bank\u2019s Multi-Currency Current Account is also unique in that, as the name suggests, you can hold multiple currencies in 1 account and earn interest on all your multi-currency balances. So, alongside the 3.50% AER (variable) on GBP, you also earn 1.25% AER (variable) on EUR and 2.80% AER (variable) on USD. <\/p><p>It\u2019s an account where you don\u2019t have to choose between tangible returns and longer-term growth. Instead, you can benefit from both and really maximise what your money can do for you. <\/p>","protected":false},"excerpt":{"rendered":"<p>Earning cashback or interest with your everyday account are just a couple of ways to make your money work for you. (Paid content)<\/p>\n","protected":false},"author":1329,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-558673","post","type-post","status-publish","format-standard","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cashback vs interest: What\u2019s better for your everyday account? 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