#1 - Digital cashback account
Chase UK
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.
Updated June 2026 - Cashback
Best Banks for CashbackUK guide for 2026
Cashback can be useful, but the best 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.
Top picks to compare
Ranked by practical fit for this specific use case.
#2 - Bills cashback and savings
Zopa
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.
#3 - Household bill cashback
Santander
Santander is worth comparing for cashback-style current accounts linked to household bills.
BillsHigh streetRewards
Watch: Monthly fees and qualifying payments matter.
#4 - Reward account users
NatWest
NatWest can suit people who want reward-style banking from a high street provider.
RewardsAppHigh street
Watch: Check whether rewards outweigh account fees.
#5 - Blue Rewards users
Barclays
Barclays is relevant if you want high street banking with optional reward features.
RewardsAppHigh street
Watch: Rewards and fees can depend on account setup.
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.
Trust and sourcing note
Rates, fees and eligibility can change. We use provider information, bank reviews and our review process to keep these guides useful, but always check the provider before applying.
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