How They Work.
Both Quidco and TopCashback partner with thousands of retailers. You click through their platform before shopping, and they earn a commission—which they share with you as cashback.
Basic flow:
- Sign up for free (or paid membership)
- Browse or search for a retailer
- Click the link to shop—ensuring tracking works (no ad blocker, cookies enabled)
- Cashback status updates: Tracked → Confirmed → Payable
- Withdraw via bank, PayPal, or gift cards.
Both platforms also offer welcome/referral bonuses and optional premium membership with perks.
💷 Features Overview
| Feature | Quidco | TopCashback |
|---|---|---|
| Active Retailers | ~5,000+ | ~6,000+ |
| Cashback Rates | Up to ~160% (retail-level) | Up to ~165% |
| Referral Bonus | ~£15–£25 (after £5 cashback) | Up to £25 when friend earns £10 cashback |
| Premium Fees | £1/month (only paid when you use the platform) | £5/year |
| Cashback Matching Guarantee | Yes, will beat competitor rate + bonus | Yes, same guarantee |
| Gift Card Purchase with Cashback | No | Yes—via TopGiftcards, up to ~16% cashback |
| Split Withdrawals | No | Yes—cash + vouchers |
| E-voucher bonus on withdrawal | Yes—often higher than TopCashback | |
| Average user earnings | ~£280/year | — |
Extra Benefits & Offers
Quidco
- Referral sign-up bonus (often £15–£20 when you earn £5 cashback)
- Premium perks: boosted cashback, voucher boosts, ad-free experience for £1/month.
TopCashback
- Occasional exclusive promotions (e.g. FA Cup Just Eat deal: £5 cashback on £10 spend)
- Gift card stacking and higher cashback on many retailers.
Real User Experiences
- Earned £1,000 using TopCashback via consistent online purchases, especially during sales or awards events.
- Another user amassed £7,000 in cashback over time, calling it “minimal effort” once embedded into purchasing routine .
- A UK shopper cut £84 off broadband bills and earned £200 cashback through TopCashback during a switch in 2023, then another £100 in early 2025.
Things to Know
- Cashback is not always guaranteed—especially for high-value purchases. Some users report frequent declines for items over £50, with limited explanations.
- Tracking issues often come from blocking cookies or using ad blockers—disable them for higher success .
- Premium membership fees may negate gains if used infrequently.
Which Should You Use.
Choose TopCashback if:
- You want higher cashback rates on shared offers
- Prefer flexibility to split payouts or buy gift cards
- Shop with a wide variety of retailers
Choose Quidco if:
- You want lower-cost premium access and voucher top-ups
- Plan to use cashback for gift cards often
- Like the monthly refer bonus model (e.g. £15 after £5 earned)
Many savvy shoppers use both to compare offers and stack referral rewards.
How to Maximize Your Cashback
- Install browser extension or app to auto-detect deals
- Always click through the cashback site before shopping
- Disable ad blockers and accept cookies
- Compare cashback rates on both sites before purchase
- Combine with voucher or gift card stacking where available
- Withdraw as vouchers for site-specific bonus credit.
