U Account Cashback

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Terms & Conditions and other useful information
  • What will stop me getting cashback?
    • Using a promotional/voucher code not posted and approved by TopCashback.
  • Good to know
    • U Account cashback can be earned simply by clicking through to the merchant and shopping as normal.
    • U Account Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online.
    • If you are logged in to your account, the rates above include a bonus relevant to your membership level; typically 5% for Plus members and 1% for classic. If you are logged out of your account, the rates shown will be the Plus member rates. Please login to ensure you see the relevant rates to your membership level.
    • Cashback rates are subject to change both up and down.
    • From time to time information displayed here may be out of date. Please see Topcashback's full Terms and Conditions page for further information.
    • Recurrences on the amount of purchases that can be made while earning cashback may be limited.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
    • Transactions for this merchant should appear as pending within 24 hours. They will remain at this status until the retailer confirms that we're eligible for cashback. Once this happens your purchase will reach the confirmed stage of your account. When the merchant then pays us the cashback we can make this payable in your account.
  • What to do when
    • Some merchants may not be forthcoming with untracked cashback. We endeavour to chase untracked cashback but reserve the right to halt enquiries at any time. Please do not make purchase decisions based upon expected cashback as it is not guaranteed.
    • The vast majority of transactions from merchants track successfully, occasionally a transaction may not get reported. If you believe this to be the case, please submit a "Missing Cashback" query within 30 days of the transaction, we will be unable to chase up claims older than this.


We've teamed up with real member Rachel Riley to explain the benefits of using TopCashback

About U Account

Open a U Account - a digital personal account for you - and improve your finances by earning cashback with these great deals. There is no charge for setting up an account or for your U contactless Mastercard, direct debits or Money Manager, while you can choose what else you want to pay for, such as extra accounts, ATM withdrawals and payments out, from their easy tariff, which you can change each month.

The cost of the extras depends on how much you choose to pay each month - nothing, £5 or £10. You can create an extra account with its own sort code and account number for whatever suits you, be it bills, a birthday or for a rainy day fund, then set up direct debits and standing orders to make sure you stay ahead. With the Money Manager, you can see exactly where your money is going with monthly statements, an interactive graph and a list of categories which show what you are spending on and when.

With Unbanking, anyone can apply, regardless of wealth or credit record - you will just need to prove your identity. You can also use your Mastercard to get cashback on groceries, eating out and much more. Whether it is online or in-store, you will automatically earn cashback as points - with one U Point equal to £1 - which will be paid into an extra account.


  • How does TopCashback make money?
  • How does TopCashback work?
  • Will it cost me anything?
  • When will I actually get my cashback?