Best Current Accounts 2025

These banks accounts are my top picks for the year

I’ve got 25 different personal current accounts right now. Yes, that’s far too many for most people, but trying them all out really helps me recommend to you the good from the bad.

You could just switch your existing account to get a better deal, or you could open a handful to take advantage of the different offers. Personally I’d look to have at least two accounts just in case of tech failures stopping you from getting access to your cash.

But there are other reasons to look around, from improved banking experiences to rewards to cashback to interest on savings.

To help you decide I’ve shared below my top picks of the best current accounts (click here for a full list of the latest offers).

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

You can watch my video round up of the top offers, or keep reading

Best dummy current account for switching

If you’re looking to take advantage of switching deals, it’s often worth setting up a dummy account you’ll use purely for this purpose.

Winner: Chase

A couple of reasons why Chase wins here. First, there’s no hard credit check when you first apply. Second, once you have one account, you can set up nine more in the app – and it’s these ones you’ll want to use to switch away.

Just be sure not to switch away your only Chase account as that’ll close your whole account down and you won’t be able to reopen it.

Best bank account app

Banking apps are improving all the time and the best have features such as freezing your card if it’s lost and features to help you save.

Winner: Starling

Recent improvements to the Monzo and Revolut apps made this a close call this year. Chase is decent too. But Starling still edges ahead. All of these digital only banks have features to help you track spending and manage your card, but I think not only does Starling do it best, it does a little more on top.

You can use it on both app and desktop, you can pay in cheques with your phone, you can deposit cash at Post Offices and more.

Runner up: Monzo and Chase

It’s worth taking a look at these other digital banks as often it’s personal preference which makes one stand out over the other. You might prefer them to Starling.

Runner up: Natwest

If you’re after a high street bank then the app I like the best is from Natwest (or RBS which is basically the same). You can do most things you need to do, and it’s clearly set out. A nice extra is you can use it to take cash out at Natwest or Tesco ATMs if you don’t have your card.

Editor’s pick: 5.1% savings

Easy access ISA from Trading 212 paying 5.1%

Best bank account for spending

I’d normally suggest using a specialist credit card for your spending so you’re earning a little cashback with every purchase and also one that won’t charge you for spending abroad – and there’s a current account that does both of these.

Winner: Chase Bank

You can make 1% back on spending for the first 12 months you have with Chase Bank, which is as good as it gets right now (unless you opt for the stoozing method of spending and saving).

It is capped at £15 a month, so that’s on your first £1,500 a month. Some spending categories are excluded (like adding money to savings or credit cards, and buying cars or gambling).

I tend to transfer money across rather than use it as my main bank. That’s no bad thing as it helps you control your spending!

There’s also 5% interest on roundup payments and it’s fee free to use abroad. Here’s my full Chase Bank UK review.

Runner up: Monzo

Though many banks offer additional cashback offers linked to specific retailers, Monzo has the easiest one to view and manage. Here’s our review of the feature. You can also spend overseas fee-free, though are limited on cash withdrawals.

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Best bank account for your bills

Winner: Santander Edge

Only Santander will give you money back each month on direct debits for your bills – but sadly the better paying Santander 123 and 123 Lite accounts are no longer open to new customers (if you’ve already got either, then keep using it).

Instead you can choose between the Edge and Edge Up accounts, and it’s the former that will probably earn you more cashback each year.

Both give 1% back on household bills such as Council Tax, energy and broadband, though the Edge costs £3 a month vs the Edge Up’s £5 monthly fee. That extra £24 a year for the Edge Up really cuts into your returns.

Though the earnings aren’t as much as they once were, this cashback via the Edge is better than nothing, and you’ll also get access to the 7% paying Edge Saver.

Runner up: Chase

You can also get cashback on some bills via Chase Bank’s debit card (not direct debits), and also use this to earn money back on other regular subscriptions such as TV and music streaming.

Runner up: Monzo/Starling

If you’re more worried about budgeting than cashback then both Starling and Monzo will let you segregate money into separate pots and then assign one to pay bills direct from it.

Best bank accounts with rewards

Some accounts will pay you each month, either in cash to your account or with a freebie. You often have to pay a monthly fee and meet other criteria.

Winner: Halifax Reward

Though it takes a little more effort than the runner up, I’ve gone for Halifax as you’ll get a better return.

You can get either £5 a month, 12 cinema tickets or 24 movie rentals as long as you jump through a few hoops. The main one to watch is spending at least £500 on a debit card each month, though there’s a hack to get around this. Plus you can have three of these accounts, so there’s potentially £180 a year to make.

Runner up: Club Lloyds

You’ll get less each month from Club Lloyds – either 6 cinema tickets or a year of Disney+ with Ads – but once you’ve set up standing orders you can just leave the account alone. Here’s my full Club Lloyds review.

Best packaged bank account

From inclusive insurance and breakdown cover to extras, sometimes it’s worth paying a fee each month for a packaged account.

Winner: Virgin Money Club M

For £12.50 a month you’ll get worldwide family travel insurance and phone cover, as well as UK and Euuropean breakdown cover for the account holders (so it’s worth opening it as a joint account). That’s decent value if you need two or three of those policies. Here’s our full Virgin Money Club M review.

Runner up: Monzo Perks

If you’re going to buy a railcard, grab a Greggs and go to the cinema each month, this £7 a month account from Monzo is worth a look. You’ll also get access to enhanced budgeting features. Here’s our Monzo Perks review.

Best bank account for savings

Current accounts often give you access to higher rates than elsewhere, though with limits. Here’s my look at the best savings accounts.

Winner: First Direct

For ongoing savings the highest paying account is a regular saver that’s only open to First Direct current account holders. It pays 7% AER – and that’s fixed for 12 months. You can only add up to £300 a month into this regular saver. Read more about other regular savers here.

Winner: Santander Edge

The highest interest rate on larger balances at the moment is from Santander. As long as you have the Edge current account you can open the Edge Saver. This offers 6% on up to £4,000 – though that previously mentioned £3 a month fee needs to be factored in if it’s not covered by cashback. The rate also drops by 1.5% after a year.

Runner up: Kroo

I don’t think having your money separate to your main current account is a problem (in fact it has benefits). But if you want to earn on money that is in there (so not in a separate account), you can get an okay rate of 3.65% at Kroo (though it’ll fall when the base rate drops).

Best bank account with an overdraft

If you use an overdraft you’re probably paying around 40% in interest – far more than it’d cost to borrow elsewhere. So they’re best avoided. But if you are overdrawn then it makes sense to reduce that cost ASAP.

Winner: First Direct

You can currently get a £250 0% buffer from First Direct. That’s not amazing, but it can be useful if you occasionally go a little below zero.

Runner up: Monzo/Starling

If you really need to use an overdraft then you might be able to get as low as 15% of 19% with these digital banks.

Best ethical bank account

Winner: Triodos

This account tops the charts on Ethical Consumer’s list of ethical current accounts and it’s hard to beat. However it does come with a £3 a month fee and the app is limited. Here’s my full review.

Runner Up: Nationwide, Starling or Co-op

These banks also score well. As it’s a building society, Nationwide is committed to putting the bulk of its lending towards mortgages so it can’t invest heavily in non-ethical practices. It also has positive policies in place to avoid this.

Starling has the edge over its challenger bank rival Monzo, while Co-op is the top-ranked from the other high-street banks.

Best “I only want one” bank

If you don’t want to have multiple accounts, and really want everything in one place, then these banks combine multiple extras.

Winner: Chase

The 1% cashback on spending makes it the account that’ll be most profitable over a year (up to £180). Alongside this you can get 5% interest on roundups and fee-free spending abroad. The app too is good, if not the best.

Runner up: Santander Edge

We all pay bills, so we may as well get cashback on these, and there’s also 1% back on supermarket and transport spending. On top there’s access to the 6% paying Edge Saver account. The app is average though.

Runner up: Club Lloyds

I think Club Lloyds is also worth a shot. The app is pretty good, and the six cinema tickets or year of Disney+ with Ads is potentially worth £60 a year and there’s a decent (though not best buy) monthly saver at 6.25%.

Read next: other bank reviews

The best bank switching offers (January 2025)

The best cash incentives available when you switch banks right now

We’ll update this page as new offers appear, though you should check the terms and conditions at each bank before you begin to ensure they haven’t changed.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Paid advertisement
Chase 1% cashback
Cashback
1%
Monthly fee
None
Spending abroad
Zero fees from Chase
1% cashback on everyday debit card spending. Available for your first 12 months as a new customer. Max £15 per month. Exceptions apply. Offer may be withdrawn or changed. 18+, UK residents.
More details ▼
Additional Info

Cashback terms: Capped at £15 cashback a month

Benefits: Round-up account: 5% AER (4.89% gross) variable, paid monthly. Chase current account required to open round-up account. Round-up balance transfers to elected Chase current or saver account on anniversary of account opening. T&Cs apply.

Linked saver account: 3.5% AER (3.45% gross) variable, paid monthly. Chase current account required to open saver account. T&Cs apply.

Zero fees from Chase when spending at home or abroad

Open multiple accounts for free

24/7 customer service

Restrictions: 18+ only, UK residents.

FSCS protected: Yes

Top bank switch offers

More details ▼
Additional Info

Bonus paid: By the 20th of the following month after meeting the criteria

Existing customers?: No

Requirements

Move two direct debits or standing orders from your old bank

Switch using the Current Account Switch Service and close old account

Pay in £1,000 within 30 ays of opening the account (and leave it there for 24 hours)

Use your debit card five times in the first 45 days

Log into mobile banking or the banking app in the first 45 days

Exclusions

You can't have or have ever had a First Direct account

You can't have opened an HSBC account since 1 January 2018

Offer limited to once per person

More details ▼
Additional Info

Bonus paid: Within 10 days of the switch completing

Existing customers?: Yes

Requirements

Open a new or already have a FlexPlus, FlexDirect or FlexAccount

Switch using the Current Account Switch Service and close your old account within 28 days of starting the switch

Transfer two direct debits

Deposit £1,000 within 31 days

Make one debit card transaction within 31 days

The old account must be from a different bank

Exclusions

You can't have received a bonus from a switching offer since 18 August 2021

Offer limited to once per person

More details ▼
Additional Info

Bonus paid: Around 90 days after requesting the switch

Existing customers: Yes

Requirements

Open a new or hold an existing Everyday Edge, Edge Up or Private current account

Set up two Direct Debits before or after the switch

Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch

The old account must be from a different bank

Deposit £1,500

Exclusions

Can't have received a switching bonus from Santander already

Offer limited to once per person

TSB £100 switch offer
Switch bonus
£100
Additional bonus
Double cashback for six months (up to £60 total)
Offer ends
Unknown
Cashback site bonus
£40
More details ▼
Additional Info

Bonus paid: Between 28 March and 11 April 2025

Existing customers?: Yes

Requirements

Switch using the Current Account Switch Service and close old account with 21 days of the offer ending

Use the debit card 5 times by 14 March 2025

Log in to online or app banking by 14 March 2025

For additional bonus, make 20 debit card transactions per calendar month for six months

For cashback, make two debit payments in three of the four months from opening and pay in £500 a month in three of the four months from opening

Exclusions

You can't have already have received a TSB switching bonus since 1 October 2022

Offer limited to once per person and account

Other switch offers

Barclays Bank Premier Avios "£119 switch offer"
Switch bonus
25,000 Avios points
Offer ends
Unknown
More details ▼
Additional Info

Bonus paid: Four months after joining Avios Rewards

Existing customers: No, must join Avios Rewards within 4 months of opening your first Barclays current account

Requirements

Open a new Premier Banking account

Earn £75,000 a year or have £100,000 saved/invested with Barclays

Add Barclays Avios Rewards to your account (£12 a month)

Switch using the Current Account Switch Service and close your old account

The old account must be from a different bank

Exclusions

Offer limited to once per person

The best children’s savings accounts

The highest paying easy-access and regular children’s savings accounts and Junior ISAs

Here’s my guide to the best children’s savings accounts. Check the date to see when this was last updated.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Easy access accounts

These can be current accounts for kids or specific children’s savings accounts and are open to anyone under the age of 18. Rates are usually variable, which means they can change, and are often only on a limited amount of money.

With these accounts, your children will be able to manage the money themselves once they reach a certain age.

  • Nationwide FlexOne Saver (5% AER variable on up to £5,000 saved)
    • For 11-17-year-olds
    • Requires a FlexOne current account
    • Can get a Visa debit or a cash card
  • HSBC MySavings (5% AER variable on up to £3,000 saved / 2.25% above this)
    • Min £10
    • Ages 7 to 17
    • Debit card from 11
    • Can be opened online if parent/guardian has HSBC account, otherwise in branch only
  • Kent Reliance Demelza children’s savings account (4.3% AER variable)
    • Min £10 / max £25,000
    • Under 18 years old only
    • No debit card
    • 0.25% of the average balance of all Demelza accounts given to Demelza Children’s Hospice each year
    • Open it in branch or via post

Regular Savers

These children’s savings accounts pay higher rates but you’re limited on how much you can save each month. Usually, it’s a fixed rate for a year. When the time months is up, the account will close and the money will be transferred to a linked savings account.

Junior ISAs

You or your child can save £9,000 a year in a Junior ISA. These can be cash ones earning interest or stocks and shares ISAs which are invested (meaning the value can go up and down).

Though interest or gains earned in an ISA are tax-free, it’s unlikely it makes much difference as there are other allowances that will be more than enough for most kids.

Money in Junior ISAs is also locked away until the child turns 18. Then it’s their money to use as they want.

Parents or guardians have to open the account but anyone can add money – handy for grandparents and other family members who want to put money aside.

We’ve only listed cash ISAs here.

You can open via the post or in branch

You can open online

  • NS&I (4% AER variable): min £1 (open online)
  • Tesco Bank (4% AER variable): min £1 (open via online/phone)

Tax and children’s savings

Andy’s analysis

When choosing a children’s savings account, you probably won’t need to worry about tax on interest.

Children can earn a total of £18,500 from savings and other income each financial year. That’s the £12,500 personal tax allowance, the £5,000 starting savings allowance and the £1,000 personal savings allowance.

However, if parents (and parents only) are adding money to any of the non-tax free accounts then there’s a £100 interest limit each year per parent.

So say the child has £2,000 saved earning 3.75%, they’d make £75 in interest. That’s fine. If they amassed £3,000 in contributions from the same parent the amount earned would be £112.50.

That’s still ok if the money comes from both parents, as the allowances would be combined and the total interest that can be earned would be £200.

But if it’s from one parent, then the entire £112.50 would need to come out of that parent’s Personal Savings Allowance. That might not be a problem – but if it exceeds this, then the whole amount will be subject to tax at the rate the parent pays, which could be 20% or 40%.

To avoid this you might want to save into a Junior ISA.

Other ways to save for kids

Premium Bonds

You can also buy Premium Bonds for children. These cost £1 each, but there’s a minimum purchase of £25. Grandparents are able to buy Premium Bonds, as well as parents and guardians.

The current prize fund is 4%, which isn’t the same as 4% interest. It’s very likely that with small amounts of cash in Premium bonds you won’t win anything – but there’s the chance of getting up to £1 million every month.

Pensions

Yep, you can start putting money into a person pension for a child at any age. They won’t be able to access the cash until they reach 57 years old (though that will likely increase when they’re older). However, they can manage where the money is invested from the age of 18.

As with adults adding to pensions, they’ll get 20% tax relief from the government, meaning for every £80 that’s added, £100 will be invested.

There is an annual limit though of £2,880 where you’ll get this extra top-up.

Piggy banks

It can be good to get young kids familiar with coins and money by giving them a piggy bank to save with. Obviously they won’t earn any interest (unless you want to work that out yourself).

Once they get a little older to understand branch and online banking it might make sense to replace the piggy bank with the accounts above.

Apps

Starling offers a free app to help kids learn about money and spending while also giving the parents extra control over purchases called Starling Kite. You can also pay a monthly fee for apps like Go Henry and HyperJar. However, you’re unlikely to get any decent rate of interest from any of these.

Discounted gift cards and offers

Here are some of the latest offers to get you money off gift cards

When you buy gift cards for yourself or as a present, it’s really important you make a note of the expiration date and don’t forget about them at the bottom of the drawer! There are more details on what to watch out for in our article five things you need to know about gift cards.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Gift card special offers

Amazon gift card bonuses

Over on our Amazon deals page, we’ve got a couple of deals where you get extra money when topping up your account or buying a gift card. These offers tend to run most of the year, though they are normally only for people who haven’t done either of these in the last three years.

Amazon also offers discounts on some retailer gift cards, especially in the run-up to Christmas and during shopping promotions like Cyber Monday and Black Friday.

Amazon: up to 15% off gift cards, including Lastminute, One4All and Odeon (ended)

Amazon is currently offering a number of discounted gift cards, including:

  • Lastminute
  • One4All
  • Odeon
  • Roblox

Some offers are for digital cards, while others are for physical ones.

Cashback on gift cards

JamDoughnut: cashback when you buy gift cards

With JamDoughnut, you can buy gift cards both as gifts and for everyday purchases and earn cashback on them. Plus, if you’re a new JamDoughnut user, you can get a £4 welcome bonus using our link* (double what you’d usually get).

Retailers on the app include supermarkets like Asda, Sainsbury’s, Tesco and M&S.

TopCashback: get cashback on gift cards

TopCashback has a spin-off site called TopGiftCards with money back on brands including Asda, Ticketmaster, Uber, Costa and Clarks. You need to click through from TopCashback and choose your gift card.

These are all digital gift cards but check the individual retailer terms to see if it can be spent in-store, online or both. Cashback is then paid back to your TopCashback account.

Remember, if you’re new to TopCashback you can also get a bonus of £20 when you sign up and spend £15. This counts when you buy gift cards too, but excludes takeaways.

The value of the gift cards on offer varies from 2% through to 10%, though most are less than 5%. Brands include (values correct as of 22/11/2023):

  • Asda – 1.6%
  • Morrisons – 2.5%
  • Asos – 6.1%
  • B&Q – 2.5%
  • Costa – 7%
  • Halfords – 6%
  • National Book Tokens – 7%
  • New Look – 5.2%
  • Pizza Hut – 7%
  • Primark – 4.3%
  • Ticketmaster – 3.4%
  • TK Maxx – 7%
  • Uber – 2.5%
  • Just Eat – 5.2%

HyperJar: earn cashback on gift cards

As with JamDoughnut, you can buy gift cards through the app and earn cashback on them with HyperJar.

There are more than 60 retailers on the app, including some supermarkets like Morrisons and Asda.

Cheddar: cashback on gift cards and spending

You can earn cashback in two ways with Cheddar: buying gift cards through the app, earning instant cashback, as well as by spending at specific retailers with a linked account.

There are more than 80 brands in the app, and once again, you can get cashback from supermarkets like Tesco, Asda and Morrisons. Use the code CLEVER4 when signing up to get £4 welcome cashback.

Discounted “work-perk” gift card trick, including John Lewis

We’ve written in detail about how you can get access to discounted gift cards, including John Lewis and Marks & Spencer, if you open up a Scottish Friendly ISA. 

Expired offers

Tesco: 15% off cinema gift cards (ended)

Until 27 October you can get 15% off ODEON, Vue or Cineworld gift cards at Tesco.

You can get gift cards between £10 and £100 in the offer.

One4All: £5 Amazon extra (ended)

You can get a £5 Amazon voucher if you buy a £50 One4All card from Amazon between 3 and 9 October 2024.

Lego: £10 Amazon extra (ended)

You can get a £10 Amazon voucher if you buy a £100 Lego card from Amazon between 3 and 9 October 2024.

Uber: £5 bonus with £50 gift card (ended)

If you buy a £50 Uber gift card at Amazon and use the discount code UBERPDAY24 at checkout, you’ll get a £5 bonus into your Amazon account.

This is part of Amazon Prime Day, so it’ll end on 17 July 2024.

Asda: 10% cashback in Asda Pounds with EVERYWISH gift card (ended)

Asda’s offering members of its loyalty scheme a 10% back in Asda Pounds when they buy an EVERYWISH gift card in store.

The Asda Pounds can then be converted into vouchers to be spent at Asda, in store or online.

If you’re not yet a member of Asda Rewards, you’ll need to register first and download the app to be eligible for the offer.

The EVERYWISH gift card can be redeemed at over 200 brands including IKEA, Amazon and M&S.

The deal ends on 3 July 2024.

Apple: £10 bonus with £100 gift card (ended)

If you buy a £100 Apple gift card at Amazon, you get a £10 Amazon bonus. Use the discount code APPLELSPRI24 at checkout.

This will end on 25 March 2024.

Tesco: £5 boost on £25 gift cards (ended)

Tesco is currently offering £30 gift cards for £25 in-store only, getting you more than 16% off. You can buy up to 5 at a time, so you can potentially get £25 free from a £125 spend. There’s a limited number of cards available.

You’ll have to look out for the cards in store that say “A festive treat” on the front, with “£25 + £5 free treat from Tesco” underneath.

Supermarket deals, offers and vouchers

Supermarket deals, including discounted gift cards, free chocolate, new online supermarket customer offers

There are so many supermarket-specific deals that we’ve moved this section away from our food and drink deals page. We’ll keep adding to the page as new offers appear.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Grocery delivery offers

Ocado: 25% off for new customers

If you shop at Ocado for the first time and use the code VOU4435047 you’ll save 25% off your first order. You’ll also get free “Smart Pass” delivery for three months. Minimum spend £60, max discount £20.

It’s also worth checking your email to see if you’re an existing customer in case you get sent a similar deal.

Iceland: £5 off your first online shop

Use code ICEFIVEOFF to save £5 on your first online shop over £45. There’s also free next day delivery too.

Zoom by Ocado: 20% off your first order

New to the speedy grocery delivery apps is Zoom by Ocado. Available in West London only at this time. Get 20% off your first order with the code WELCOME20.

Amazon Fresh: £15 off each of your first three shops

Get £15 off a minimum spend of £60 on your first three shops with Amazon Fresh. Use the code WELCOMEFRESH at the checkout when you place your first order and the offer will be automatically applied to your next two orders. Offer expires 8 January 2025.

Current offers & sales

Tesco: Cadbury chocolate box + Sky movie rental for £6

Get a Cadbury’s sharing box (including Dairy Milk buttons, chocolate fingers and a fruit and nut bar, plus four sticks of hot chocolate) that comes with a Sky Store Online Rental Voucher (worth £4.99) for £6 with your Tesco Clubcard. It’s usually £12 but Clubcard members get it for half price.

The voucher can be used to rent a film on the Sky Store and must be redeemed by 31 January 2025.

Iceland: 8 items for £10

Iceland is currently running a 8 for £10 multibuy offer. The offer is on Birds Eye products and includes pizzas, veggies, fish fingers and fish cakes, amongst other standard frozen items.

Most of the items in the offer would usually cost between £1.50 and £3, so it’s a good opportunity to fill up your freezer if these are items you’d usually buy anyway.

Gift card offers

Cashback on supermarket gift cards

There are a number of apps that’ll give you money back when you buy gift cards, including some of the major supermarkets. Use these for your everyday shopping and you’ll be saving every time.

The key apps are:

We’ve written in more detail about them here, including some welcome offers to boost your savings.

Cashback apps

You can often save a little extra on your groceries using supermarket cashback apps (read our review), and it’s worth checking to see if there are freebies.

An example week:

CheckoutSmart had free Rachel’s rice pudding at Morrisons, free Bahlens Pick Up biscuit bars at Sainsbury’s and free Little Dish kids meals at most supermarkets.

Over on Green Jinn there was free Kombucha and popped chips at Tesco, free Love Corn at Waitrose, Asda and Sainsbury’s and free protein shakes and pea milk at Morrisons.

While Shopmium offers included free oat milk at Sainsbury’s, free Iron Bru at Asda, Co-Op and more, free Rachel’s organic yoghurts at Waitrose and Sainsbury’s, free Jerky at Asda, Morrisons and Sainsbury’s and free Diet Pepsi at Tesco. And don’t forget there’s also free Pringles for newbies (more on this below).

Shopmium: Free Dairy Milk Buttons

One – Shopmium – offers a freebie to get you started. Right now it’s a pack of Dairy Milk Buttons.

Previously it’s been a pack of pringles, tub of Ben & Jerry’s, a snack jar of Nutella and it used to be a bar of Lindt chocolate, and has at times been a box of cornettos. It should say when you download the app.

Use the code KHMYEEFW to activate the offer. Once you have signed up you’ll need to buy the item and then scan your receipt to get the money paid back.

There are always lots of other discounts and freebies on the app, so it’s worth browsing to see what else you can buy.

Christmas bonus schemes

Expired offers

Sainsbury’s and Tesco: free Chocomel Hot Chocolate (expired)

You can grab a free 750ml carton of Chocomel Hot Chocolate from Sainsbury’s or Tesco — to get it, you just need to sign up for the offer by entering your mobile number. Then you just buy yourself a 750ml carton of Chocomel from Sainsbury’s or Tesco and take a photo of your receipt to claim the cashback. You have to get it within 7 days of getting the text message.

This runs until 23:59 on 16 December 2024, or until 7,000 cartons have been claimed.

Morrisons on Amazon: £20 off each of your first three shops (expired)

If you’re new to Morrisons on Amazon, you’ll get £20 off each of your first three shops with the code NEW20OFF01, NEW20OFF02 and NEW20OFF03 for your first, second and third shops respectively. £70 minimum spend applies.

Co-op: five freezer items for £5 (expired)

Co-op is offering five freezer items for £5 for loyalty members (£6 if you’re not a member).

Included in the offer are:

  • Young’s Chip Shop 2 Fish Steaks
  • Birds Eye 12 Garden Peas
  • Whitby Seafoods Scampi Bites
  • McCain Oven Chips
  • Carte D’or Madagascan Vanilla Ice Cream

Offer expires 19 November

Food and drink deals

The best deals right now for some free or cheap food and drink

From lunch discounts and vouchers to free samples and deals, read on for the best food and drink deals currently available.

We’ve split the supermarket special offers and tea and coffee shop deals over to separate deals pages as there are just so many!

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Shop deals

Krispy Kreme: Free doughnuts

Download the Krispy Kreme Rewards app to get a free Original Glazed doughnut when joining and another on your birthday. You’ll also get points every time you spend that can be spent in-store.

25% off Krispy Kreme

You’ll be able to get 25% off your doughnuts Sunday to Thursday if you have Meerkat Meals from Compare the Market. There’s a hack that’ll get you access to this for a year for £1, as well as 2-4-1 movies.

Hotel Chocolat: Free treat on your birthday

If you sign up to Hotel Chocolat’s VIP ME scheme you’ll get a free gift on your birthday (I got a free £5 voucher to spend), as well as other offers through the year such as 15% off your next purchase. You can only sign up in-stores.

Alpro: free barista milk (ended)

You can currently claim up to £2.10 back to get a free Alpro barista milk from Asda, Tesco, Sainbury’s, Waitrose or Morrisons. It’s in-store online, not online.

You’ll need to buy the item, request a redemption link and then upload the receipt via that link. You’ll need to submit the claim within seven days of getting the link.

Valid products are:

  • Alpro Barista Coconut UHT 1L
  • Alpro Barista Oat UHT 1L
  • Alpro Barista Almond UHT 1L
  • Alpro Barista Almond Chilled Drink 750ml
  • Alpro Barista Coconut Chilled Drink 750ml
  • Alpro Barista Oat Chilled Drink 750ml
  • Alpro Barista Caramel Chilled Drink 750ml

This offer ends at 23:59 on 8 November 2024 or when 5,000 cartons have been claimed, whichever comes first.

If you also refer a friend after claiming the offer you’ll be sent a £1.50 off voucher to use on your next purchase.

Recipe box discounts

We’ve written about recipe boxes in detail here, but below are some special offers.

Gousto: 81% off first box via Quidco

There are often voucher codes for Gousto, but if you’re new to Gousto and go via a cashback site you can save even more.

The deals seem to change fairly regularly and switch between TopCashback and Quidco, so it’s best to check both to see which is best.

At the time of writing, going via Quidco can get 50% off your first box, and up to £12 cashback on top.

So the most expensive box (four meals per box for four people) would normally cost £47.85, but the discount brings it down to £23.93. Add in the cashback and you’ll get the recipe box for £8.93 instead!

If you’re also new to Quidco then take another £20 off on top. Here’s more on getting these new customer cashback bonuses.

Hello Fresh: 66% off first box via TopCashback

If you go via TopCashback (this one also switches between the two cashback sites, so check Quidco too) for HelloFresh then you can get 50% off your first box and £10.20 cashback on top. When you order the largest box (five recipes a week for four people), it brings the total down to £21.30.

Here you can nab a new customer bonus for the cashback sites too if you’re new to either site.

Hello Fresh: free delivery with Amazon Prime

You can now get free delivery on your Hello Fresh deliveries for a year with an Amazon Prime membership. Delivery usually costs £4.99, so this could save you £20 a month if you get a box every week.

You’ve got to go here and sign in to your Amazon account where you can connect it with your Hello Fresh account. This works if you already use Hello Fresh. You get free delivery for a year if you keep your Prime membership.

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Amazon vouchers & deals (January 2025)

From Amazon vouchers and free trials of Amazon Prime to flash sales and tricks for free delivery

Let’s face it, Amazon is probably the one website that most people use pretty regularly, so it helps to have a voucher or discount stored up. Here are the best deals at the moment.

If you’re thinking of reducing how much you use Amazon, check out Andy’s article looking at why it can be good to cut back.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

There are some decent offers throughout the year to watch out for. You won’t be eligible for all of them but it’s worth a look.

Amazon gift card and voucher offers

Snoop: £5 Amazon Voucher

Snoop is an app to help you track your spending. It also analyses your bank date to suggest ways you can save money. Right now there’s an offer to get a £5 Amazon voucher.

You must go via the link below for the offer to track.

Once you’ve downloaded the app and signed up you need to connect a bank or credit card account and stay connected until the end of the following month. The voucher will then be paid.

£30 credit card welcome offer

Sign up for the new Amazon Barclaycard and you’ll get £20 in Amazon credit added to your Amazon account.

If you had the previous iteration of the credit card you’ll probably see a £50 reward showing, as long as you’re signed in.

You’ll also earn 1% at Amazon and 0.5% elsewhere, dropping to 0.25% after a year. There are double points during the Black Friday sale.

Free credit when you buy a gift card

This one’s worth trying even if you’ve used a similar promotion. However you can normally only qualify once every couple of years. Check the offer is displayed when you click through. The latest offer we’ve seen offers £6 extra when you buy £60 in gift cards. 

If nothing is displayed, it could mean it’s ended or you’re not eligible. These deals are often extended or return after a short absence.

£5 extra when you top up by £60

Similar to the gift card promotion, here you top up your Amazon account and get some extra credit added. The promo value changes often, but it’s currently £5 when you add £60.

If it is running, it’s only for any people who haven’t topped up their account in the last 36 months. Again, this deal can come and go, so it’s worth checking.

Amazon offers

Check eligibility for promotions

You might have personalised Amazon offers. It’ll show you trials and discounts you are eligible for. However, we still think it’s worth looking at the offers above and below in case they don’t show.

£5 off £15 spend

Some Amazon customers can get £5 off their next purchase of £15 or more. You have to click the button below to see if you can get the offer.

It’s valid on eligible products and is only available for 15 days after you’ve activated it. There are only 15,000 vouchers available, so if you want it, you’ll need to activate it now.

There are some restrictions on what you can spend it with — check the T&Cs for more info on this.

£15 voucher when you use the app

If you’ve got an Amazon account but you’ve never used the app, you may be eligible for this offer which gets you a £15 voucher (to spend against a qualifying £30 purchase) just for signing into the Amazon App for the first time.

You need to apply the promotion here, and it’s only available to the first 15,000 customers that claim it. Your voucher will only be valid for 15 days from the day you get it. There’s not currently an expiry date for the offer.

Amazon pickup: £3 off £10 spend (ended)

Amazon is offering select accounts £3 off when you use Amazon Pickup. This is where your order is sent to a pick-up location, such as an Amazon locker, for you to grab when you’re ready. Your order can’t be fulfilled by or sold by a third party.

This is valid until 31 December 2024. You need to claim the offer on the website and spend at least £10, then you’ll get £3 off as a reward. 

Only those invited or who see a banner can access it. You can see if you’re eligible here. If so, hit the “apply promotion” button before shopping.

Only the first 20,000 customers can redeem this and you can only do it once.


Amazon Prime membership offers

Amazon Prime is Amazon’s big membership scheme. You can learn more in our comprehensive Amazon Prime review.

30-day free Amazon Prime trial every year

You know the drill here. You get free next day delivery, Amazon Prime Instant Video, access to Amazon Prime Now and loads of other goodies. It’s normally £95 a year but you can get a free 30-day trial.

You will hopefully be able to do this every 12 months, but it’s unclear if this is guaranteed for all customers. You can always try your luck (you never know), but if you’ve not yet taken out a trial, I’d wait until you’ve got a lot of spending coming up, or a big sale such as Prime Day or Black Friday (more on these below).

99p for one week of Amazon Prime

If you’ve previously had Amazon Prime but aren’t yet eligible again for a second free trial you might be offered a week for 99p. After this you’ll pay full price unless you cancel.

£2 off Prime via O2

If you have an O2 SIM you can now add Amazon Prime to your bill and receive a £2 discount each month. You’ll find the details here.

Amazon Student and 18-22 year-olds: six months free, then £47.49 a year

If you have a student card you should also be able to join Amazon Student. This is essentially Amazon Prime. You get six months free, then 12 months at half price. Amazon might ask for additional proof you are a student. You’ll get the student account for as long as you’re a student or for up to four years.

If you’re between 18 and 22 then you can get this too, but you’ll need to prove your age with a valid driving licence or passport. You can get this account until you’re 23.

Prime member offers

Free Kindle book

There are lots of ways to save on Kindle books, but Prime members can also nab one of six titles every month for free via First Reads. There’s normally a mix of genres and once you pick your book you can send it to your Kindle.

£15 Amazon credit when you back up your photos (ended)

If you’re a Prime member, you get access to Amazon Photos, which gets you unlimited photo storage and 5GB of video storage. If you’re yet to upload any photos to it, you might be eligible to get £15 credit when you upload at least one photo to the app.

You just have to download the app to do this, I chose to back up my entire camera reel, but you can upload individual photos too.

I had the credit on my account within 24 hours of backing up my photos. It can be used for any purchase of £30 or more. You can get the voucher until 23:59 on 28 November and the voucher is valid until 23:59 on 2 December.

Prime Big Deals Day 2024

This sale for Prime members is taking place on 8 and 9 October 2024. It’s pretty much a carbon copy of Prime Day. As soon as we spot any early offers, we’ll share them below.

As with Prime Day, don’t get carried away. Only buy the things you actually need, and check that they’re decent prices.

Don’t forget you’ll need to be a Prime member to get the offers – but we’ve listed deals above that’ll save you money or perhaps help you get it for free.

October’s Prime Big Deals Day sale

Amazon is running its special two-day sale for Prime Members on 8 and 9 October 2024. The autumn deal event could offer the chance to grab a bargain ahead of Black Friday and the Christmas sales.

It’s always worth shopping around and seeing if you can get the same item for less elsewhere, or with added features. If you do buy something at Amazon and the price drops during the sale you can get a refund for the difference.

Before the actual day, the offers are mostly on Amazon’s own products and devices.

Early offers include:

  • Discounts on Echo devices – 31% to 58% off.
  • Blink cameras and doorbells – 31% to 61% off
  • Fire TV – 28% to 62% off
  • Kindle Scribe – 24% off (just a few pounds off its cheapest price)
  • Amazon Music Unlimited – get 4 months free (usually one month)
  • discounts on branded gift cards, including Lego, Vue and One4All – details on our gift card deals page

Prime Day 2024

Prime Day is Amazon’s big sale just for Prime members. In 2024 it took place on 16 and 17 July.

It’s important to remember that not all the deals are the best price. Some are simply old stock that needs clearing, while others are often as cheap throughout the year. We’d recommend using uk.camelcamelcamel.com to see the price history before making any purchase

Most offers are product-specific, and we’d encourage you to check for price matching elsewhere, especially on tech like Echo speakers and Ring doorbells.

Prime Day: 16-17 July 2024 (ended)

Amazon is running its special two-day sale for Prime members on 16 and 17 July 2024. The summertime deal event could offer the chance to grab a bargain ahead of larger autumn sales such as Black Friday.

It’s worth shopping around and seeing if you can get the same item for less elsewhere, or with added features. If you do buy something at Amazon and the price drops during the sale you can get a refund for the difference.

As always the biggest discounts are on Amazon’s own devices, such as Kindle, Echo, Fire, Eero and Ring. If you’re new to TopCashback you can get a £20 bonus plus up to 3% back on these devices. We’ll add some here once they launch.

So far you can get:

Amazon Black Friday

Black Friday 2024

The Black Friday week of deals is at the end of November, but the sale starts before this and carries on after.

You need to have a Prime membership to get early access to the best deals, but the 30-day free trial will give you that.

If you’re after an Amazon device (Echo, Kindle, FireTV, Eero, Ring) then this is likely to be one of the cheapest times to buy.

Amazon Black Friday week 2024

Amazon started its Black Friday sales a week early, beginning on Thursday 21 November 2024 and it’ll run until Cyber Monday on 2 December.

Remember to use price history tools to check if something is a good price, and check you can’t get it for less elsewhere.

We’ll update here with the best deals, including:

Amazon Fresh offers

Amazon Fresh: £5 off (expired)

Click this link to receive £5 credit to spend at Amazon Fresh stores. You can use it one go, or spread it out over a number of small purchases. Expires 22 February 2023.

If the link doesn’t work try entering the code IBU2HAHAZWQO in the Amazon Fresh promo wallet.

To use it in store you’ll need the Amazon app, and you’ll find it in your account and then In-store promo wallet.

It’s only valid in London branches and one in Sevenoaks, Kent. You’ll be able to see the full list and terms once you apply the offer.

Amazon device deals

There are offers most months, so if it’s at full price you should wait. If you’d rather not shop at Amazon then do check other retailers as they often price match the bigger discounts.

Amazon Business offers

Every now and then there are offers such as £50 off for new Amazon Business users. I’ll update here as and when.

It can take time to set up the account but you should be approved in around two days.

Amazon Business Amex: £25 credit and no annual fee

For a limited time Amazon has removed the annual fee of £50 and is offering a £25 gift card when you successfully open up an Amazon Business American Express credit card. Plus, if you spend £1,000 in the first three months then you can get £75 statement credit.

Our top Amazon money-saving tricks

We’ve written a separate article about how to save even more money at Amazon, including the following:

Hundreds of vouchers to use at Amazon

This page lists loads of coupons you can use to save at Amazon. You “collect” the voucher and the discount is automatically added at the checkout. There’s usually a typically random collection of products in this offer.

The best travel debit and credit cards to use abroad

Monzo, Starling, Chase, Halifax Clarity and more compared for overseas spending

If you’re heading out of the UK, using the wrong card for spending and cash withdrawals will mean you’re hit with extra fees on every transaction.

The good news is there are a decent number of debit and credit cards which offer near-perfect exchange rates. Here’s our guide to the top specialist travel cards.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Watch Andy’s video round up or keep reading

Our top travel debit cards

The cheapest cards are usually specialist debit cards that come via specific current accounts. You don’t have to switch banks to get these – you can simply open up a brand new extra account, and many won’t perform hard checks on your credit report either.

If this is an extra account you get just for holidays, it’s easy to transfer money across, whether as a lump sum or as you go along, using your online or app banking. Or of course, it could be your main current account where your salary is paid each month.

A benefit of debit cards over credit cards is you won’t get charged interest to take cash out of an ATM, though as you’ll see a couple do have monthly limits on your fee-free spending or withdrawals.

It used to be there were only a handful, but there are quite a few to choose from. Here are our top picks.

Top pick: Chase Bank

Like the others in this guide, Chase’s digital-only account has no fees to use abroad or to withdraw cash.

Where it stands out over the others is you’ll get 1% cashback on all purchases (though this is capped at £15 a month) and 5% interest on “round-ups”. So you won’t just be saving money, you’re making it too.

You can also set up a separate account just for holiday spending which you can link your card to (before spending). This can segregate this cash from other money, helping you stick to your budget.

You won’t be hard credit searched either, however, it is smartphone only. Here’s our full Chase Bank review.

Chase debit card summary

Spending overseasFee-free (Mastercard rate)
Cash withdrawals overseasFree, with limits of £500 a day and £1,500 a calendar month
No extra charge at Chase ATMs in the USA
Other benefits1% cashback on all spending (up to £15 a month)
5% interest on round-ups
Open several accounts
Account interest1% AER
Card delivery chargeFree delivery
FSCS protection?Yes

Other top fee-free current accounts

If you already have the following accounts and don’t fancy getting Chase, then you’ll be fine to just stick with them. They might have extra benefits such as higher interest on savings, or tempt you in with a switching bonus.

However, all will require you to use a smartphone, except Virgin Money. None of these banks will charge you to receive a debit card.

BankFree spending?Free cash withdrawals?Credit checkExtra infoReviewsSmart Money People customer score
First DirectYes, Mastercard rate£500 daily limitHardour First Direct review4.69 out of 5
HyperJar (prepaid card)Yes, Mastercard rateNo cash withdrawalsSoftNot a current account, so no FSCS protectionNot yet reviewed4.89 out of 5
KrooYes, Visa rate£200 limit per monthSoftATM charges will apply from 30 April 2025our Kroo review4.9 out of 5
MonzoYes, Mastercard rate£400 (Europe) / £200 elsewhere every 30 rolling days / Unlimited if Monzo is your ‘main bank’Softour Monzo review4.93 out of 5
StarlingYes, Mastercard rate£300 daily daySoftour Starling review4.95 out of 5
Santander EdgeYes, Mastercard rateHardNo extra charges on Santander machinesour Santander Edge review3.85 out of 5*
Virgin Money M PlusYes, Mastercard rate£500 daily limit HardCan be opened and managed in-branch or via the phoneour Virgin Money M Plus review4.29 out of 5
*whole bank score

The following are also worth considering if you’re an existing customer or looking for extras like rewards and travel insurance.

  • Club Lloyds Silver / Platinum: these packaged accounts come with a monthly fee, though you’ll get travel insurance and breakdown cover included. It’s fee-free on overseas spending and cash withdrawals.
  • Cumberland Building Society: fully fee-free but requires a £750 a month deposit to the account. Hard credit search
  • Halifax Ultimate Reward: another packaged account that’s got free spending
  • Santander (other accounts): you won’t be charged for cash withdrawals only if you use a Santander machine outside the UK
  • TSB Spend & Save Plus: fee-free spending and the potential to earn £5 cashback a month, but has £3 monthly fee

Andy’s Top Tips

When you’re using one of these top travel cards, you’re often best paying in the local currency. If you pay in sterling, it’ll be swapped over at an exchange rate of the local bank’s choosing – which won’t necessarily be in your favour!

Also, though many of the cards we’ve mentioned are fee-free to use in ATMs, that doesn’t mean the local bank won’t add its own fee. So you’ll need to research for any that don’t do this in your destination, or plan ahead by making as few withdrawals as possible.

Our top travel credit cards

Specialist credit cards can be great for overseas spending as long as you pay off the debt before any interest is charged.

Credit cards are particularly handy for things like hiring a car or putting deposits down on hotel rooms. The money can be held on these without leaving your account. You’ll also get Section 75 consumer rights protection.

With all credit card applications, make sure you check your eligibility first if you can. And remember to clear the balance completely every month to avoid interest charges.

Top pick: Barclaycard Reward

This Visa card from Barclaycard is our top pick for credit cards. It offers fee-free spending and, unusually, ATM withdrawals – and there’s no interest on cash you take out. However, it’s still better for your credit report to use a debit card for cash.

There’s also 0.25% cashback on purchases at home and abroad. That’s great for holiday spending but there are better alternatives for spending in the UK.

However, if you do get this you won’t be able to get another Barclaycard, such as the Avios earning options.

Barclaycard Rewards credit card summary

Spending overseasFee-free (Visa rate)
Cash withdrawals overseasFree, though will show on credit file
Other benefits0.25% cashback on all spending
Card delivery chargeFree delivery

Other fee-free credit cards

CardFree spending?Free cash withdrawals?Credit checkExtra infoSmart Money People customer score
Virgin Money Everyday Cashback credit cardYes, Mastercard rateNo (avoid)HardEarn 0.25% per £1, capped at £15 a month
Halifax ClarityYes, Mastercard rateYes, but interest is addedHard4.29 out of 5
Natwest credit cardYes, Mastercard rateNo (avoid)Hard4.79 out of 5*
Virgin Atlantic Reward credit cardIn Europe, Mastercard rateNo (avoid)HardEarn 0.75% Virgin points per £13.98 out of 5
Yonder (free)Yes, Mastercard rateYes, up to £150 a day (but it’ll still show on credit report)Hard, but uses open banking tooEarn points that can be used to redeem rewards4.99 out of 5
*whole bank score

Best smart travel spending cards

These cards aren’t normal debit cards, though they work just like one when you’re spending. You actually connect your existing current account or card to them via open banking. The conversion is made by the smart card at their exchange rate, which then takes the money from the underlying bank in pounds.

This makes it cheaper to spend overseas through other bank accounts that would normally be very expensive. They can be a great backup card, or even your primary travel spending card if you really can’t be bothered to go through the hassle of opening new accounts. There’s also no credit check.

Sadly, changes to Curve, our previous top pick, means it’s really not worth it. However, you can still get these features from Currensea.

Top pick: Currensea

With Currensea there are three options, but the free “essential” tier has a 0.5% fee on top of the exchange rates every day of the week, making it a more expensive than our top debit and credit cards.

However there’s no monthly limit on spending with the card, and a decent £500 monthly free ATM withdrawal limit. Plus the card itself is free.

The big issue could be the limits on which banks it works with. Right now that list is only the bigger banks:

  • Barclays
  • Bank of Scotland
  • Couts
  • First Direct
  • Halifax
  • HSBC
  • Lloyds
  • Nationwide
  • Natwest
  • RBS
  • Santander
  • TSB
  • Ulster Bank
  • Virgin Money

When you sign up via this link you’ll be eligible for a £10 welcome bonus – however you’ll need to spend £150 in a foreign currency in the first six months to get the cashback.

Currensea smart debit card summary

Spending overseasInterbank rate plus 0.5% on 16 currencies, Mastercard rate plus 0.5% on others
Cash withdrawals overseasFree up to £500 a month
Card delivery feeNone
FSCS protection?Yes (on connected bank)

Best multi-currency cards to lock in a rate

The cards mentioned above will convert fee-free, but only on or just after the day you make the transaction. This means you’re not in total control of your budget when you’re away. If the pound were to fall against where you’re spending, you’ll ultimately spend more cash.

But there are options where you can pay fee-free on cards where you’ve already converted your pounds into another currency. Though of course, this could mean you miss out if the rate changes in your favour.

There’s usually a slight markup on the ‘interbank’ or ‘mid-market’ rates. This tends to be lower than the Mastercard or Visa rates, so even with the fee they’re often comparable.

When you spend with them, you’ll spend in the local currency. If you don’t have the local currency, most will let you pay fee-free and convert at the current rate.

However, there are usually quite strict limits on cash withdrawals, so you’ll likely want another card on your trip. Plus most of these will charge you for a physical debit card, so you’ll be relying on virtual cards added to your phone’s wallet if you want to avoid this fee.

The following are ones worth considering:

ProvderRateFree cash withdrawals?Card chargeExtra infoSmart Money People customer score
Revolut StandardInterbank (+ 1% on weekends)£200 limit per rolling month / max 5 withdrawals per rolling month£4.99Capped at £1,000 exchange per month4.89 out of 5
Trading 212Interbank + 0.15%£200 limit per month£4.954.75 out of 5
WiseInterbank + min of 0.39% (varies by currency)£200 limit a month / max 2 withdrawals a month£74.71 out of 5
ZingVisa rate + 0.2%£300 limit a month / max 2 withdrawals per monthFreeno score yet

Quidco bonuses: up to £20 welcome cashback (January 2025)

Get free cash when you shop at thousands of shops or other bonuses with these Quidco sign-up bonus offers.

We’re big fans of cashback and – even better – you can often get a bonus when you sign up for the first time.

Quidco is one of the big cashback sites, and we’ll list the best deals here, as well as any other specific cashback deals we think you can’t afford to miss.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

First time Quidco user offers

There are regular retailer-specific offers that come and go which could save you £10 or £15 if you buy at those shops. But the two generic offers below are far better as they mean you can spend your money wherever you want on whatever you want.

£20 bonus cashback when you spend £10

The best deal is for subscribers to our weekly newsletter who get access to an exclusive £20 first-time bonus when they spend £10. You’ll also get the cashback offered by the retailer on top.

Once you sign up, you’ll need to click on the sign up confirmation email that will be sent immediately. If you don’t see it please check your spam folders as it could be there, and then add our email address to your safe senders list.

Then look for a special email that will be sent to you with the exclusive Quidco sign-up link. Make sure to read the terms and conditions on Quidco’s website before making your first purchase to ensure it tracks.

Get £10 cashback when you spend £5, plus extra cashback

This is an ongoing offer that can get you the cashback on any purchase, as long as you spend £5 or more. So if you spend £5 at any of the 5,000+ retailers listed on Quidco – which is pretty much all of them –  you’ll get £10 back plus whatever the cashback rate is. There are so many shops you’ll definitely find a way to get your cashback.

Existing Quidco customer offers

It’s worth looking for bonus cashback deals which can pop up from time to time. You need to click to activate these offers. We’ll add them below when I see them.

Quidco Flashback offers

Often Quidco has boosted cashback known as Flashback that runs for 24 hours. Sometimes we can share them in advance, although they could change or be cancelled. Always check the Quidco homepage for the full terms and conditions. You might also have to activate some offers.

Already with Quidco?

TopCashback also offers new member bonuses. Check out the latest here.

Free cashback offers

Some deals will give you money without actually spending any money:

£3 bonus when you install Quidco reminder (expired)

If you use Chrome as your internet browser you’ll be able to earn a £3 bonus by installing the Quidco Reminder extension, then using it to activate cashback while shopping and spend at least £3. There are a handful of retailers excluded which are listed in the terms and conditions when you click through. The offer comes and goes.