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Quidco vs. TopCashback

Use this page to compare us to our closest rival, Quidco, to see how you can make the biggest savings on your online shopping. Competition drives us on to continuously improve our service!
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Okay, let's compare features

Both Quidco and TopCashback were established in 2005 and now have millions of members earning cashback when they shop online.
FeaturesQuidcoTopCashback
Cashback Rateup to 160%up to 165%

Additional information

Quidco members get up to 160% of the cashback offered by the merchant. For TopCashback, this is up to 165%.
Friend Referral Scheme£10up to £7.50

Additional information

Quidco will give you a £10 bonus when your friend earns £5 cashback. TopCashback offer up to £7.50 bonus when your friend earns £10.00 cashback.
Cashback GuaranteeBeat RateBeat Rate

Additional information

Both sites guarantee to beat any rates found elsewhere. As 91% of the rates on TopCashback are better than competitors, this is rarely needed.
Purchase Giftcards with CashbackNoYes

Additional information

TopCashback offers a feature called ‘TopGiftCards’ which allows members to buy digital gift cards from a number of retailers and receive cashback.
Payouts with added bonus5262

Additional information

Quidco offer 52 payouts with a bonus. TopCashback offer 62 payouts with a bonus, including Just Eat, Tesco, Amazon, and Love2Shop vouchers.
Donate Cashback to Charity?YesYes - more than 300

Additional information

With Quidco you can donate to any charity on the For Good Causes website. With TopCashback you can donate to more than 300 charities. Both sites offer this when you request a payout.
Number of RetailersOver 4,500Over 5,000

Additional information

TopCashback offers online cashback on over 5,000 merchants, covering everything from car insurance to grocery shopping and even mobile phone contracts.
Ability to Split Your PayoutNoYes

Additional information

TopCashback allows you to split your payout by type (i.e. bank transfer, gift cards) to give far more flexibility on how to use your cashback. TopCashback’s unique ‘Reward Wallet’ means you can choose exactly what payouts you want to receive.
The above is based on Quidco Premium and TopCashback Plus accounts

91% of our rates are higher than Quidco's. We can beat the rest too*

*Based on a full comparison of TopCashback displayed rates vs the equivalent rates displayed on Quidco. We also have a cashback guarantee which means we will not only match their higher rates, but beat them!

Paid vs. Free Memberships

Both sites offer a paid-for membership, gaining you access to higher cashback rates, more features and bonuses, in exchange for a small portion of your cashback.
FeaturesQuidcoTopCashback
Membership TypePremiumPlus

Additional information

Each site offers two membership levels: a free account with the default offers and rates, with an upgrade available for improved service, better rates, payout bonuses and more!
Cashback Rateup to 160%up to 165%

Additional information

While Quidco offersup to 60% bonus on their cashback rates to it's 'New Premium' members, if you choose our Plus account you'll get up to 165% of the cashback we receive from the retailers.
Annual Cost*upto £12£5

Additional information

Each site offers either a free account, or an upgraded account in exchange for a small amount of your cashback each year. TopCashback Plus is £5 a year, Quidco Premium is up to £12 a year.
Payout Options (view options)5262

Additional information

Quidco offer 52 payout options with a bonus. TopCashback offer 62 payouts with a bonus.
*Taken from your cashback only

Boost your cashback by up to 20% with over 60 bonus payout options

TopCashback Payout Options

BACS payout Paypal payout Amazon payout John Lewis payout M&S payout Tesco payout Sainsburys payout Morrisons payout avios payout NOTH payout Costa payout Clarks payout Primark payout GAP payout Uber payout Harvester payout Pizza Express payout

and many more...

TopCashback voted Cashback Site of the Year 2016, 2017, 2019 and 2020.

As voted for by real members in the Consumer Moneyfacts Awards for two years running.

Top rated - what people say

TopCashback is ranked number one and Quidco number two on independent review site Trustpilot.
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Trustpilot

Split your payout by type for more flexibility on how to use your cashback

Top facts compared

Some key FAQs about Quidco and TopCashback.
  • Who offers the best rates?

    Each site has similar, but variable rates for each merchant, so the ‘best rates’ depend on which merchants you want to purchase from. That being said, our comparison tool has found that we offer higher rates for the majority of the merchants listed on both sites. Both sites also offer a cashback guarantee to match higher rates found elsewhere, but regardless of whether you use this or not, we almost always offer the highest rates!

  • How does each site make money if rates are 100%+?

    It seems ridiculous, doesn’t it? Surely neither site can afford to keep the lights on if they’re giving 100% of the commission back to you in the form of cashback, and bonuses on top!

    So how do we do it?

    Both sites have millions of monthly visitors, which gives merchants a huge advertising platform to promote their businesses and offers. Both sites use sponsored adverts, offers and features, which are paid for by the merchants to each company outside of the normal commission (cashback) rates. We also receive bonuses from particular merchants which attain exceptional coverage as part of being listed on our website.

    This adds up and allows both companies to manage a large number of hard-working staff and to pass on everything we receive from merchants for individual transactions, plus some extra!

  • Quidco offer live chat and call back support, why doesn’t TCB?

    A lot of the queries we receive (and it’s likely the same for Quidco) usually request an update on how long it will be before their cashback is paid.

    Unfortunately, in the case of both sites, we’re restricted to waiting for the merchants themselves to pass the commission to us first and there is only so much we can do to speed up that process.

    Although live chat and call back support are nice features, the end result is that the transaction is almost certainly not going to be completed any sooner.

    The downside to these features is the set-up and running costs involved: a team of staff would need to be trained and be available throughout the day to answer phone calls and live chat requests, in addition to the email support queries. These costs would need to be reflected in the deals we offer, which would result in referral bonuses, top-ups and plus member cashback bonuses being reduced.

    We currently don’t offer these support options, both because they are unlikely to achieve the goal any faster than email support and it would mean our members would earn less cashback.
  • What other money saving / earning methods does each site have?

    Both sites have in-store cashback, where you can earn cashback in-store on card purchases with selected retailers, and on selected grocery items by snapping and sending a picture of your receipt.

    We both also offer refer a friend bonuses, where you can earn £10 per member you refer to Quidco, or up to £20.00 per member you refer to TopCashback, so long as the member you refer meets the minimum earning threshold for the bonus to be paid.

    Both sites also offer several other ways to earn money without requiring a purchase. You can take part in free trials and website sign-ups, and get free sim cards on both sites.
  • How fast are you compared to Quidco when it comes to tracking and payouts?

    Because both sites can only add a transaction to your account once the merchant has informed us, there should be little difference in the speed at which cashback appears in your account. Any delays in cashback appearing in your account would almost certainly have occurred if you had made the same transaction using the other site.

    Please bear in mind that the merchant will pay both sites for transactions on an individual basis, so one merchant may take a day to process one transaction, but may then take a week to process a second transaction.

    Once the cashback has tracked in your account as ‘payable’, then it is ready to be withdrawn. As for the speed of payout requests, we like to think we're a little bit quicker in processing them: Quidco state that Amazon.co.uk Gift Cards can take up to 10 days to process, while we like to process them for the next working day, or usually within three working days. For BACs and PayPal, Quidco quote a payment speed within 5 working days, while we like to make our payment within 4 working days.

  • Is there a limit on how much I can withdraw at a time?
    Yes, with Quidco you need to request a minimum of £1.00 before cashback is paid to you, while we have a minimum of £0.01 for payouts.
  • Are you available in other countries?

    Yes, both sites have international alternatives for our overseas customers.

    At TopCashback, we have international sites to cover the USA (4,400+ stores), India (700+ stores) and China (350+ stores).

    Quidco have Shoop, which is available in both Germany (2,000+ stores) and France (1,800+ stores). Shoop was originally launched in France in January 2016 and until later that year, Shoop in Germany used the brand name Qipu (launched in 2010) with a design that resembled the main Quidco website.

    While TopCashback offer 100% of the commissions paid to us, making us a 100% cashback site, Shoop (and previously Qipu) do not. The Qipu website quoted an example where the site withheld 6.64% of the total commission, making them (at least in this example) a 93.36% cashback site.

    Want to know more about Shoop?

  • I am still not convinced you’re better than Quidco!

    We're sorry to hear that and we would genuinely be interested to know why.
    Would you mind sending us a quick message to let us know what you think?

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Page was last updated on 29 Apr 2020 11:00 and all information on this page was correct at that time.

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