Reward rules
Check eligible spending, exclusions, caps and whether cashback is temporary or ongoing.
Updated 3 July 2026 - Cashback
Banks for Cashback and RewardsWhat to compare in 2026
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.
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.
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.
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.
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.
Review includedCompareCheck rewards
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.
RewardsAppHigh street
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.
CashbackCurrent accountSavings
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
RewardsAppHigh street
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.
Review includedCompareCheck rewards
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.
BillsHigh streetRewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Review includedCompareCheck rewards
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.
Bills cashbackSavingsFSCS
Watch
Cashback is category-specific and subject to limits.
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?
We compare banks using provider information, review criteria and practical checks such as fees, features, protection, eligibility and limitations.
Read how we review banks →Are the banks listed fairly?
Yes. The cards are intended to help readers compare strengths, limitations and key checks. The order does not imply an overall ranking.
Compare the full list →Continue researching
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