January is a hard month for everyone, and it seems forever until payday. However, it does have a few benefits for me since I have been using TopCashback. I absolutely love shopping, however, I do most of it online now. Mainly as I don’t fancy dragging Freddie round the shops, but also I find it a bit of a hassle going from shop to shop. I hate trying on clothes in shops too, so for that reason I tend to buy online and return what I don’t want.
I have been shopping via TopCashback now for 5 years and I have saved myself a massive £1,460. Not only this, they often have discount codes so you can actually buy the product cheaper than you can in the shops. This is approximately an extra £300 cash in my wallet each year. I always transfer them into Amazon vouchers where I can, so that is an additional 2.5% uplift so in fact it is actually £1,496.
I use them for everything I purchase online whether it is clothes, toys, holidays, mobile phone contracts or insurance. They work with 4,770 merchants so nearly every high street shop has a link through TopCashBack.
TopCashBack what’s the catch?
There absolutely isn’t one, it is completely free to join. You can upgrade for £5 a year to TopCashback Plus account, which entitles you to greater rewards, but this is purely optional. You don’t even have to pay them it is deducted from earnings at the end of the year.
All you need to do is click on their website or app and type in the name of the company you which to purchase from and they direct you straight to the correct website. Just be careful though if you have sourced a discount code from somewhere other than TopCashback it may effect your eligibility for cashback.
There is also no minimum payout threshold, so if you have got cashback for £1 once it has tracked (which can be anywhere from a couple of weeks to a couple of months) you can either get a BACS transfer directly into your bank account, or you can opt for gift vouchers. Gift vouchers have a premium on as well, so if you opted to get your cashback transferred into a Zeek card for example you would receive an extra 20%.
What if there is a problem with TopCashback?
Occasionally I have had either missing transactions or declined transactions, but every time I have contacted their very helpful customer service department it has been resolved. There is a tab in your account where you can raise queries or problems, as of course problems will arise. I have, very rarely, had cashback declined so I have emailed them the details and they looked into it. Nine times out of ten this has been resolved and the cashback has been returned back to my account.
Benefits of TopCashback
There are only benefits, I can not think of one negative thing it is free money. There are no cons, catches or hidden terms and conditions. They have 53k excellent reviews on Trustpilot too, so you don’t need to just take my word for it.
If you are careful and not have your payouts immediately this could be used for most of your Christmas shopping!
What are your favourite money saving tricks?