Cashback apps are one of the easiest ways to save money without changing your shopping habits. You simply shop as normal and earn a percentage back on what you spend. Here are the best ones available to UK shoppers right now.

1. TopCashback — Best Overall

TopCashback consistently offers the highest cashback rates across thousands of retailers. They have no membership fee and unlike some competitors, they pay out 100% of the cashback they receive. Particularly strong for insurance, travel, and financial products where cashback can reach £50-£100 per transaction.

2. Quidco — Runner-Up

Quidco is the other major player in the UK cashback market. Their free tier is excellent and covers most major retailers. The Premium membership (£5/month) unlocks higher rates, but only makes sense if you’re a heavy user.

3. Shopmium — Best for Groceries

Shopmium works differently — you buy specific products in supermarkets, scan your receipt, and get cashback directly to your PayPal. Great for trying new products at a discount. Deals change weekly so it’s worth checking before your weekly shop.

4. Airtime Rewards — Best Passive Earner

Link your debit and credit cards, and Airtime Rewards automatically earns cashback when you shop at participating retailers — no clicking through websites or scanning receipts. The cashback goes off your phone bill, which is ideal if you’re not bothered about cash payouts.

5. Nectar — Best for Sainsbury’s Shoppers

If you shop at Sainsbury’s regularly, the Nectar app is essential. You get personalised offers and bonus points on items you regularly buy. Points convert at roughly 0.5p each, but the bonus offers can be very generous — often 5x or 10x points on specific products.

How to Maximise Your Cashback

Always check both TopCashback and Quidco before making a purchase — rates vary between them. Stack cashback with sale prices and discount codes for maximum saving. And remember to actually claim your cashback — it’s surprising how many people sign up and then forget to use it.

What to Expect to Earn

A regular user of two or three of these apps can realistically earn £150-£300 per year in cashback without any extra effort. That’s money you’d have spent anyway, coming back to you.