UK cashback sign-up bonuses 2026: TopCashback, Quidco and Cheddar

Yes. The new member earns £10 and the referrer earns £25 (Plus members) or £20 (Classic members), both released once the member has earned £10 of approved cashback within 180 days of joining via a referral link. A single broadband switch, holiday booking or large homeware order often clears the £10 threshold in one go.

Tracking usually shows within about seven days, but cashback only becomes payable when the retailer confirms the sale — typically six to twelve weeks, and longer for travel and insurance where a cancellation window has to expire. The £10 bonus releases only after £10 of approved cashback, so the first month or two after joining sets the timing.

Both are legitimate UK sites with a broadly overlapping retailer pool, and most people who take cashback seriously hold both. TopCashback returns 100% of the retailer commission where Quidco keeps a slice, and both pay a £10 joining bonus. Quidco asks for half the threshold — £5 of confirmed cashback rather than £10 approved — and publishes no deadline against it, so its bonus is the one more likely to land without planning. For any single shop it pays to check both.

Quidco's. It releases £10 at £5 of confirmed cashback and sets no time limit, where TopCashback allows 180 days for £10 and Cheddar 30 days for £5. One insurance renewal or broadband switch clears Quidco's threshold several times over.

The order of events. TopCashback and Quidco are click-through sites: you follow a link, buy something, and wait for the retailer to confirm. Cheddar credits cashback at the moment you buy a digital gift card in its app, which you then pay with at the till or online. That makes it the only one here that works properly for in-store spending, though it carries nothing for insurance, broadband or travel bookings.