TopCashback Review – How I made £1500 from Cashback

TopCashback (TCB), has been a part of my money-saving journey since I started online shopping. Top Cashback was launched in the Summer of 2005. Their aim was simple; “to develop a website that would help each and every UK resident to save as much money as possible on their shopping”.

TCB is my favourite of all the cashback websites and is the easiest way to get money for nothing on all your regular online purchases. The have over a million members and recently won Consumer Moneyfacts Award for Cashback Site. Carry on reading my TopCashback review to find out more about this money-saving hack and how I managed to earn over £1500 from it!

credit card, laptop and black Friday deals

Everything you need to know about how TopCashback works

How does TopCashback work?

The process is simple. Firstly, sign up to TopCashback cashback website. You’ll need an email and password to create an account. Join for free and receive a welcome email when you join. This email will include simple information to help you get started.

Whenever you shop online make sure to go through their website. The trick is to get in the habit of visiting a cashback website before you make any online purchase.

Additionally, you can download a chrome extension that will remind you every time you visit a retailer that offers cashback. Do this and you’ll be on your way to becoming a cashback earner.

Once you’ve earned over £10 you’ll be able to withdraw your earnings. You can withdraw straight into your bank account, PayPal or through one of TopCashback’s gift card partners. Additionally, there are payout bonuses if you chose to cash out with a partner retailer – I always claim my cashback as a Tesco gift card to use next time I go grocery shopping.

How does TopCashback make money?

This one is simple, they earn commission for referring you to various retailers – they reward most of that commission back to you and keep a small portion for themselves. They are also supported by sponsored ads dotted around the site.

TCB have two membership options. The Classic account is free and offers 101% cashback and payout bonuses of up to 5%. The Plus account costs £5 (taken from your tcb cashback) each year, but rewards you 105% cashback and a payout bonuses of up to 10%. 

Is Cashback safe?

When I’ve explained what a cashback website is to people before I’m often faced with questions/concerns. Why would a company give away money for nothing? Is my data being stored? Are my card details safe?

They aren’t giving money for nothing, they’re simply cashing in on referral commission and then giving you the majority of it! However, the only data they store is your visit to the retailer and they can’t access your card details. Having used this money making method for nearly 3 years I haven’t had any security issues! In fact, the customer care team at TCB are more than happy to address any concerns you may have.

Is TopCashback legit?

Yes. It’s a reliable website that offers cashback, deals and various features to help you save money. The only complaints you’ll ever hear about this website is that an offer didn’t track – to make sure that doesn’t happen to you make sure that you accept cookies and check your ad blocker settings.

TopCashback review: How I earned over £1500

I login to my TopCashback account either online or via the TopCashback app before purchasing anything (including takeaways, grocery shopping, buying clothes, switching utility providers & Christmas shopping!).

There is also a “free cashback” section where you can earn money without spending a penny. And a snap and save section that allows you to start earning cashback on seasonal foods (such as Easter eggs, Valentine’s Day cards and Christmas wrapping paper). Additionally, make sure to check the “on card” section to check which of your favourite retailers are currently paying cashback.

But if you want to earn big £££’s, you’ll need to remember to use TCB on your bigger purchases such as utilities and holidays! Here is a breakdown of my cashback earnings:

Household Bills

I recently moved into a flat with my partner and being the money-savvy one I took care of our broadband! Therefore, I used TCB and managed to find a great little deal from Sky at £18pm. But having signed up through TCB I got £110 cashback + £2.50 bonus (which paid for 6 months!). As well as the cashback earnings, Sky sent me a £50 pre-paid card! Winner!

Phone Contracts

Mobile phones are expensive! When I signed up for my new phone contract with EE last year I made sure to check TCB before buying anything! Because of this, I managed to earn £60 just for clicking through the TopCashback website (which paid for 2 months of my contract!). At the time of me writing this post EE are offering up to £93 cashback on mobile contracts!

TopCashback offer great cashback deals on electronics at Currys too, and when you use Currys voucher codes you can find even more discounts to help you save on everything from laptops to tumble dryers.

Grocery Shopping

This one is a simple, everyday deal. I spent just over £25 on my grocery shop at Asda and got £7 back in cashback. Yes, it’s not a massive earner, but for groceries that needed to be bought regardless, I’m pretty pleased with this one! Not to mention the fact that I hate shopping and doing my grocery shop; this meant that I didn’t have to go visit the store! 

Seasonal Competitions

TCB love to run a seasonal competition. These usually take place leading up to Christmas, Easter and Summer. There are 1000’s of prizes to be won and usually a grand prize of £1000-£2000! To play you’ll need to log on to your account and guess the answer to a daily clue.

I’ve never won the big prizes. But I usually win some of the smaller cash prizes every time they run one of these giveaways! You can’t take part in these competitions via the TopCashback app – you’ll need to enter via the internet.

TopGiftCards

You can earn cashback on a range of giftcards purchased through the website and app by searching for TopGiftCards. All you need to do is choose the value of your giftcard, enter your payment details and you’ll receive it via email. Some retailers offer 5% on a gift card purchase. I’ve taken advantage of this offer by claiming Morrison’s and Argos gift cards on various occasions.

Snap & Save

The snap and save feature on TCB gives you the option to earn cashback on everyday items that you can buy from the grocery store. There are often seasonal freebies in the snap save tab too. I’ve had free Christmas wrapping paper, pumpkins for Halloween and chocolate for Easter. I regularly check for new snap and save offers via the topcashback app.

Refer a Friend

Another way to boost your earnings is the tell-a-friend scheme! Once you’ve signed up you’ll be given a unique link that you can share with friends and family. If they sign up using your link (and earn at least £10) you’ll both get a bonus between £5-£20!

In addition, if you sign up using my link and we both get a bonus! You should, however, check the terms and conditions to make full use of the referral scheme as the amount you receive can change daily.

www.topcashback.co.uk/ref/beemoneysavvy

Alternatives to TopCashback

TCB is my favourite cashback website but there are other websites, browser extensions and apps that you can use. Here’s some of the best alternatives to TopCashback:

  • Quidco. Quidco and topcashback work exactly the same. They have very similar cashback rates, retailers and the referral programme is identical.
  • Swagbucks. As well as cashback, Swagbucks offers more ways to earn. Complete surveys, watch videos and play games to earn.
  • Honey. This is a browser extension that automatically searches for the best discount codes available at a retailer. You also earn gold/cashback for using the extension.
  • Airtime Rewards. Download the Airtime Rewards app to automatically earn cashback when you shop at selected retailers. Use code D4E3EPAA for a sign up bonus.

Frequently Asked Questions

Is TopCashback worth it?

I’m biased as I’ve earned over £1,500 but I say 100%! If you’re someone who frequently shops online and enjoys earning cashback rewards on your purchases, TopCashback can be a valuable tool for saving money.

How do you withdraw from TopCashback?

To withdraw your cashback earnings from TopCashback, follow these steps:

  1. Log In: Visit the TopCashback website and log in to your account.
  2. Navigate to Payout Options: Once logged in, navigate to the “Payouts” or “Withdraw” section of your TopCashback account. This section is typically located in the account settings or dashboard.
  3. Choose a Payout Method: Select your preferred payout method from the options provided.
  4. Enter Payment Details: Depending on the payout method you choose, you may need to enter additional payment details such as your PayPal email address or bank account information.
  5. Request Payout: Once you’ve selected your payout method and entered the required payment details, you can proceed to request a payout. Click “Request Payout”.
  6. Wait for Processing: After requesting a payout, TopCashback will process your withdrawal request. The processing time may vary depending on the chosen payout method and other factors.
  7. Receive Payment: Once your withdrawal request is processed and approved, you will receive your cashback earnings via your chosen payout method.
Is TopCashback Plus worth it?

This depends on your personal spending habits, how often you shop online, and the additional benefits offered by the Plus membership.

How long does TopCashback take to pay out?

TCB estimate when your transaction will become payable on your account Earnings page and also on each individual merchant’s page. Once this is payable you can request payment via the Payout tab on your dashboard.

Can you use TopCashback in-store?

TopCashback primarily operates as an online cashback platform, meaning it’s designed to provide cashback rewards for online purchases. However, they also offers some in-store cashback opportunities through its mobile app and linked payment methods.