Cheddar - payments and rewards 4+

Shop, pay, get paid cashback

Cheddar Payments B.V.

    • Free

iPhone Screenshots


Download for free and sign up in seconds to join thousands of users already saving at great brands. These include Ocado, Sports Direct, House of Fraser, Footlocker, Boohoo, Joe and the Juice and many more, with retailers and offers added each month.

Cheddar works with your existing debit and credit cards, and getting started couldn't be easier:

1. Download the Cheddar app
2. Enter your name and phone number. No ID required.
3. Link the account associated with your debit or credit card.
4. Start discovering offers in the app
5. Spend using any linked card and see cashback automatically roll in
6. Hit redeem in the app to instantly withdraw cash to your bank account, without fees.


Cheddar has no costs or fees to earn cashback and receive money.


Account creation takes seconds, cashbacks are received as fast as minutes, redemption is almost instant and direct to your existing bank account without needing to share or enter account numbers and sort codes. Works with physical and virtual cards, including Apple Pay of course.


Link accounts by authorising in your bank app, protecting your data with Face ID, Touch ID, or a passcode. No sensitive financial information is shared to process cashbacks or receive money. No one (not even cheddar) has access to sensitive payment data such as bank login info. No debit or credit card information is stored in the app, nor is it accessible to anyone.


Redeem cash frequently or stack your cashback rewards. Simply tap redeem and 100% of the cash earned is deposited into your default linked bank account.


Better still, cheddar is the easiest and quickest way to send and receive money for free with anyone. Only you need the app to get paid by friends, family, or colleagues for anything instantly using a QR code or payment link.

When you receive money, it’s deposited directly to your bank account in seconds. UK bank account required.

To use cheddar, all you need is your iPhone, a UK current account and a debit card to shop (physical or digital cards all work).

Cheddar is an Authorised Payment Institute, regulated by the UK Financial Conduct Authority.

What’s New

Version 1.2.8

Bugfixes and performance improvements

Ratings and Reviews

4.4 out of 5
18 Ratings

18 Ratings

itslukebond ,

Amazing app! Loving cash back!

I’ve been using cheddar to make and receive payments with friends for a few weeks now.
Payments are instantly deposited into our banks and just as easy to make!

I’ve been loving cash back too, it’s completely automatic and I’m just making money back now from places I usually purchase from.

kaypongrac ,

Effortless cashback and transfers

Super easy to set up and connect my various bank accounts. Love redeeming the cash back from some of my favourite services and brands, plus all the new brands cheddar has introduced me to.
It’s also a great platform to send and receive money, even if others don't have the app. Very convenient to have all my banking in one place.

Nic__P_ ,

Free money

Great customer service who helped when I hadn’t fully linked my account - make sure you also tick the box to share your transactions. Cash back now comes through straight away meaning free money from what you would’ve bought anyway! Great app.

Developer Response ,

Great to hear we could help!

As you've rightly highlighted, we're FCA regulated and work with leading UK banks to securely match transactions to our offers, awarding eligible cashback in the process. This indeed requires transaction history to be "on" when linking accounts.

You can also link multiple banks and turn all of your cards into cashback rewards cards.

Please do not hesitate to reach out through in app support should you have any questions in the future.

Team Cheddar 🧀

App Privacy

The developer, Cheddar Payments B.V., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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