TopCashback cashback rates and review

TopCashback doesn't hold your money like a bank - they track your purchases and pay cashback to your account, which you withdraw to your bank or PayPal. As a cashback platform rather than a financial institution, they're not regulated by the FCA (nor do they need to be). TopCashback is a well-established UK company that's been operating since 2005 and has paid out over £400 million in cashback to UK members. They're also a member of the Internet Advertising Bureau (IAB).

TopCashback is ideal for anyone who shops online. With 6,000+ retailers, chances are your favourite shops are on there. The One-Off Cashback section is particularly valuable if you're opening new bank accounts, switching broadband, or taking out insurance - you can often stack TopCashback's cashback with other sign-up bonuses. Power users who install the browser extension and check TopCashback before every purchase can easily earn hundreds of pounds a year.

TopCashback is the cashback site I use most. With 6,000+ retailers and consistently competitive rates, they're the first place I check before making any online purchase. The £10 sign-up bonus is easy to earn - just shop normally and once you've accumulated £10 in payable cashback, the bonus lands in your account. The main thing to watch is that some merchants are excluded from the referral threshold (including Plum, TSB Spend & Save, and Tide), so check the terms if you're planning to use One-Off Cashback to qualify. Once you're set up, install the browser extension and let it do the work - it'll remind you to activate cashback every time you're on a partner site.