Reward rules
Check eligible spending, exclusions, caps and whether cashback is temporary or ongoing.
Cashback
Banks for Cashback and Rewards
Cashback can be useful, but the right account depends on where cashback applies, whether there is a monthly fee, and whether the account still works well day to day.
Last updated: 14 September 2026
At a glance
23 providers compared for cashback
- Reward rules
- Account costs
- Redemption limits
What this page is
- Helps readers compare banks for cashback using features, fees, protection and practical fit.
- Highlights watch-outs and links to wider comparison pages before readers choose a provider.
What this page is not
- Does not provide personalised financial advice or guarantee eligibility for any account or product.
- Does not replace checking live provider rates, fees, terms and protection wording before applying.
Quick answer
Chase is a strong digital-bank cashback option, Zopa is worth comparing for eligible bill cashback, and Santander, NatWest and Barclays are relevant high street reward-account options.
Before you compare
What to compare first
Before looking at individual banks, check the features, fees and limitations that matter most for this type of account.
Account costs
Compare monthly fees and minimum pay-in rules against likely rewards earned.
Redemption limits
Look at how rewards are paid, when they are available and whether they expire.
Everyday usefulness
A reward account still needs practical payments, support, protection and app controls.
Compare the providers
Banks to compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Atom Bank
Also compare for cashback
Atom is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeN/ASavingsUp to 4.75% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Barclays
Blue Rewards users
Barclays is relevant if you want high street banking with optional reward features.
Monthly fee£0–£5SavingsUp to 4.50% AER
Watch
Rewards and fees can depend on account setup.
Chase UK
Digital cashback account
Chase is one of the clearest digital banks to compare for cashback on eligible spending.
Monthly feeFreeSavings2.25% AER standard; 4.50% AER boosted
Watch
Cashback rules, caps and eligibility can change.
Co-operative Bank
Also compare for cashback
Co-operative Bank is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£15SavingsUp to 7.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
First Direct
Also compare for cashback
First Direct is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0SavingsUp to 7.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Halifax
Also compare for cashback
Halifax is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£3SavingsUp to 8.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
HSBC
Also compare for cashback
HSBC is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0*SavingsUp to 5.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Kroo
Also compare for cashback
Kroo is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFreeSavings2.65% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Lloyds Bank
Also compare for cashback
Lloyds is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£3SavingsUp to 8.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Metro Bank
Also compare for cashback
Metro Bank is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0SavingsUp to 3.75% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Monese
Also compare for cashback
Monese is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFree simpleSavingsCheck provider
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Monzo
Also compare for cashback
Monzo is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFree accountSavingsUp to 3.65% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Nationwide
Also compare for cashback
Nationwide is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£18SavingsUp to 6.50% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
NatWest
Reward account users
NatWest can suit people who want reward-style banking from a high street provider.
Monthly fee£0–£2SavingsUp to 5.25% AER
Watch
Check whether rewards outweigh account fees.
Revolut
Also compare for cashback
Revolut is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFree standardSavingsRates vary
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Santander
Household bill cashback
Santander is worth comparing for cashback-style current accounts linked to household bills.
Monthly fee£0–£4SavingsUp to 8.00% AER
Watch
Monthly fees and qualifying payments matter.
Starling Bank
Also compare for cashback
Starling is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFreeSavings4.00% AER introductory
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Tandem
Also compare for cashback
Tandem is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFreeSavingsUp to 4.90% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
TSB
Also compare for cashback
TSB is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£3SavingsUp to 5.00% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Virgin Money
Also compare for cashback
Virgin Money is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly fee£0–£12.50SavingsUp to 6.50% AER
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Wise
Also compare for cashback
Wise is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFreeSavings3.32% fund yield (not AER)
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Zempler Bank
Also compare for cashback
Zempler is included so this mixed cashback guide covers every bank we currently review, even where cashback may not be its strongest feature.
Monthly feeFree freedomSavingsShown in app
Watch
Check cashback availability, account fees, eligibility and product terms before choosing.
Zopa
Bills cashback and savings
Zopa's Biscuit account can appeal if you want cashback on eligible bills alongside savings features.
Monthly feeN/ASavingsUp to 4.65% AER
Watch
Cashback is category-specific and subject to limits.
Final checks
What to check before choosing
- Compare cashback caps and excluded categories.
- Subtract any monthly account fee.
- Check whether cashback requires salary or direct debit conditions.
- Do not choose a poor main account for a small reward.
FAQs
Frequently asked questions
Quick answers before you compare banks.
How should I use this cashback guide?
Chase is a strong digital-bank cashback option, Zopa is worth comparing for eligible bill cashback, and Santander, NatWest and Barclays are relevant high street reward-account options.
Compare banks →What should I check before choosing?
Compare cashback caps and excluded categories. Subtract any monthly account fee. Check whether cashback requires salary or direct debit conditions.
Continue researching →How does BankAdvisor compare banks?
For cashback, we compare providers using practical checks such as reward rules, account costs, redemption limits, and everyday usefulness, alongside the provider information in our reviews.
Read how we review banks →Are the banks listed fairly?
Yes. The cashback cards above are ordered to help you compare strengths, limitations and key checks — not to rank one provider above another.
Compare the full list →Continue researching
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