How to get instant cashback
Step 2 - Cashback hits instantly
Added to your balance the moment you buy, not in 90+ days like other platforms.
Rethink what a gift card can do
Comparison
FAQs
Is this legit?
Yes. Cheddar is authorised and regulated by the Financial Conduct Authority (FRN 921657). We've been named Best App at the Open Banking Expo Awards and Best Newcomer at the British Bank Awards. Over 250,000 UK shoppers have downloaded Cheddar, and the app holds 4.7★ on the App Store.
Are there fees?
No — Cheddar is free to download and use. No subscriptions, no transaction fees, no withdrawal fees, no hidden costs. Cashback goes straight to your in-app balance, and you can instantly redeem to your bank account at any time with a £5 minimum.
Do I have to change how I shop?
No. You shop at the same stores, buy the same things, for the same prices. The only difference: you buy a gift card through Cheddar first (takes 30 seconds), then use it like a debit card at checkout — scan the barcode in-store or enter the code online. Same shop, same spend, just paid smarter.
Can I use it in-store?
Yes, at most brands. Some brands work both in-store and online (Sainsbury's, ASDA, Nike, Costa, Boots and many more). A few are in-store only (Tesco, Morrisons, Starbucks). A few are online only (Deliveroo, Uber Eats, Just Eat). The app shows you clearly which option each brand supports before you buy.
What if I don't spend the full amount?
That's fine — gift cards keep their balance until you use it all up, just like a debit card. A few brands (like Tesco) are even reloadable, so you can top up the same card for your next shop. Any unused balance stays on the card until you spend it.
How is it instant - what's the catch?
No catch. Cashback is added to your balance the moment you buy a gift card - before you've even spent it at the store. This works because we earn a commission from gift card providers and share it with you instantly, rather than waiting for the store to confirm your purchase (which is what takes cashback sites 30-90 days).
Stop leaving money on the table
Get hundreds back a year on your usual shopping. No waiting. No tracking. No catch.
Try it once. If it's not for you, delete the app.
Get the app
Free app • FCA regulated • 4.7 ⭐
250,000+ downloads across the UK
