The Joys of Cashback – Money for nothing, no really!!

At the beginning of January I posted 10 top tips to save money this year. Hopefully you all read it but I’m here today to talk to you about one of my personal favourites; cashback sites; it really is money for nothing!


Is cashback too good to be true?

So who out there has heard of cashback and thinks, its got to be a con? No one gives away money for nothing? So let me explain it to you and how it works.

Cashback sites can be seen as ‘the middle man’ they try their best to persuade you to buy products via their website. And your reward for buying via their middle man website is some cashback. Companies pay the cashback sites a commission for passing them a customer. The cashback sites tend to pay over the full commission straight to the customer. They make their income from advertising and their member scheme.

Who do I use?

There are two big sites in the UK, and You need to register an account on the site, then whenever you buy something online, go to your cashback site of choice find the company you wanted to buy from and click through. Purchase as normal, it really is as simple as that. Here is a link to topcashback to set up an account using my friends and family link

Topcashback is the site I use, and they are slightly more generous with their cashback payments. They have a premium members scheme which costs £5 a year to join but you get an extra 5% on top of all normal cashback payments. I earn around £500 per year from these sites from buying online items that I would have purchased anyway. Every few months once I have a chunk of confirmed and payable cashback I just transfer it out to my bank account.

What cashback have I been paid?

Merchant Cash Back Paid
Expedia £194.25
T-Mobile £95.95 £73.92
Policy Expert Home Insurance £61.10
TopCashBack Amazon Voucher Reward £50.00
npower £34.34
Premier Inn £24.72
TopCashBack – Referrals £20.00
Gap £15.96
LOVEFiLM £12.12
Netflix £12.12
Equifax £8.92
Tesco £8.74
UGG Australia £8.41
Columbus Direct Travel Insurance £8.03
Accorhotels £5.13
Bravissimo £3.15
giffgaff £2.58
TopCashBack Compare Insurance £2.26
Debenhams Flowers £2.14
Ted Baker £1.92
Very £1.70 £1.47 Car Insurance £1.01
Domino’s Pizza £0.70
blinkbox £0.63
Next £0.35
Ebay £0.01

As you can see I get cashback from anything and everything bought online, even pizza!! The most generous payments come from insurance renewals, mobile phone and broadband contract renewals.  I also bagged a nice Expedia amount through booking a holiday when they had an increased cash back promotion!  Even the £50 topcashback payment was for a press interview I did for them; talking about how simple cashback is!

So there you have it!  Get a cashback account now and start earning £100’s in free money… you would have bought the insurance/purchases anyway…



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Lynn Beattie

Aka Mrs MummyPenny

Personal Finance Expert

I write about personal finance made simple, lifestyle choices that will save you time and money, as well as products and services that offer great value.

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