The Cashback for Bank or Investment Accounts Discussion Thread

OwnedByACat

What is this?

This is a list of cashback offers that might be of interest to MSE forum users, focusing on:

• Savings accounts including ISAs; other bank accounts may be included too

• Investments including pensions, but note there’s already a related thread on the Pensions board 

• Offers you can get in addition to bank switching bonuses, but it won’t be a list of bank switches, which are covered on a main MSE page and discussed on the Budgeting & bank accounts board

The associated cashback "No Chat" thread is here for those who just want the announcements.

What do you mean by cashback?

Money that you receive to sign up or open an account either directly from a financial institution, or via a cashback site as described by MSE here. 

You can get paid to join these sites and there are free membership options; check if there’s an offer to sign up to TopCashback (TCB from now on) or Quidco via MSE.

What’s not included on this list?

Refer-a-friend offers, as these aren’t allowed on this site so Google for one. 

All the offers on TCB or any that appear not to track well from user reviews.

Offers that aren’t good value for money

What do I do if I see an offer?

If you notice an offer that isn't already listed, or see one that’s been withdrawn, then post a message on this thread and/or on the “No Chat” thread. Alternatively you could start a separate thread if you prefer.

Could I lose money by doing an offer?

With savings, bear in mind that you could earn less through cashback than with a higher interest rate elsewhere. 

With investments, bear in mind:

• You could lose money both on the investment and through fees
• If you have to invest, try to choose a product like an exchange-traded fund (ETF) rather than an individual stock 
• If you’re just doing an offer for cashback, open a stocks and shares ISA (S&S ISA) or general investment account (GIAs) rather than a self-invested personal pension (SIPP)

Things to note

Always read the terms and conditions—it won’t be possible to summarise them all in this post and there will be mistakes. 

Please note an entry in this list does not equal an endorsement.

In case you were unaware, this board also hosts discussion threads for Easy Access and Regular Savers which complement this thread.

And without further ado

TOP OFFERS

Open a Simple Saver with online bank Cahoot via TCB and receive £25 for depositing at least £1; link here

Open a Sunny Day Saver with online bank Cahoot via TCB and receive £25 for depositing at least £1; link here

Open an Easy Access Saver with Santander via TCB and receive £25 for depositing at least £1; link here

Open a Limited Access Saver with Santander via TCB and receive £25 for depositing at least £1; link here

OFFERS ENDING SOON

OTHER OFFERS

New customers to fintech app Plum can get £12 via TCB for signing up and linking a current account; link here

Open a Santander Everyday Current Account via TCB and receive £20 (combine with a bank switch for an extra £200). Link here

Open an Easy Access ISA with Santander via TCB and receive £25 for depositing or transferring at least £500; link here

There are other Santander offers via TCB but too many to list; link to savings page here

New customers to the pension provider Pension Bee can open a pension and get £50 added to it via the website Nuts about Money; link here

Transfer at least £5,000 to Barclays Smart Investor and receive at least £50 cashback (to a maximum of £2,000 for transferring £200,000+). Request transfer by 14/02/26; link here

New customers to the financial services app Prosper can receive £100 after saving or investing £10,000 for six months; link here

Transfer at least £20,000 in cash or investments to Charles Stanley Direct Online Investing Platform to receive at least £300 in cashback (up to a maximum of £1,500 for £200,000).  Link here

Transfer at least £20,000 to a SIPP with Interactive Investor and receive at least £100 cashback (up to £3,000 for £2m). Offers ends 31/01/26; link here

Add or transfer at least £50,000 to an S&S ISA or SIPP with Fidelity and get paid at least £300 (up to a maximum of £3,000 for £1m). Offer ends 05/04/26; link here 

wmb194

OwnedByACat said:

The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...

The Sunny Day Saver as well.

sheffieldeagle

Thanks to the OP for this. Great Spot.

flaneurs_lobster

wmb194 said:

OwnedByACat said:

The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...

The Sunny Day Saver as well.

..and if you already have both can you get cashback on extras?

DodgerPot

Fab just opened (another) Sunny Day via TopCashback 
Thanks for the heads up on that offer 

DodgerPot

Always check TopCashback first before opening accounts 
Santander have £20 cash back currently 
First Direct £60 for opening new 1st Account 
TSB £20-40 

Ch1ll1Phlakes

DodgerPot said:

Always check TopCashback first before opening accounts 
Santander have £20 cash back currently 
First Direct £60 for opening new 1st Account 
TSB £20-40 

The First Direct account can also get the switching bonus (currently £175) so a total of £235 if eligible.

Rheumatoid

DodgerPot said:

Fab just opened (another) Sunny Day via TopCashback 
Thanks for the heads up on that offer 

Did you log on to cahoot first?

Has TCB tracked?

wmb194

Rheumatoid said:

DodgerPot said:

Fab just opened (another) Sunny Day via TopCashback 
Thanks for the heads up on that offer 

Did you log on to cahoot first?

Has TCB tracked?

No, just click on the link and apply. Cahoot/Santander is good at matching your details to an existing online banking profile if you have one. Mine tracked with TCB not very long after I opened the account and it's visible and funded in Cahoot's online banking.

flaneurs_lobster

wmb194 said:

Rheumatoid said:

DodgerPot said:

Fab just opened (another) Sunny Day via TopCashback 
Thanks for the heads up on that offer 

Did you log on to cahoot first?

Has TCB tracked?

No, just click on the link and apply. Cahoot/Santander is good at matching your details to an existing online banking profile if you have one. Mine tracked with TCB not very long after I opened the account and it's visible and funded in Cahoot's online banking.

...just to add that the payout forecast is 12 weeks hence.

arfster

Nice - wonder if you can do both cahoots :-)

Can confirm TSB via quidco gives a little extra on top of the switch bonuses