Cheddar - cashback & payments 4+

Shop, pay, get paid rewards

Cheddar Payments B.V.

    • Free

iPhone Screenshots


Download for free and sign up in seconds to join thousands of users already earning up to 35% cashback on most of their everyday spend.

These include Tesco, Amazon, ASDA, Morrisons, Marks & Spencer, Boots, Just Eat, Uber, Deliveroo Costa, Primark, Gopuff and many more. Retailers and offers are added frequently!

Cheddar works with your existing bank accounts 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. No credit checks (ever).
3. Link your bank account(s) and credit cards.
4. Start discovering personalised offers in the app
5. Earn cash (not points) effortlessly
6. Redeem this cash directly to your linked bank account without, instantly without fees.

There are two ways to earn effortless, free cashback.


Spend using any linked bank via a debit card, or a linked credit card, to see cashback automatically roll in


Buy a prepaid gift card in the Cheddar app for use at checkout as part or full payment. You earn cashback on this instantly in the Cheddar app.


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


Account creation takes seconds, cashbacks are received in a couple of days, redemption is 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.


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.

Cheddar is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 940075).


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. Minimum withdrawal amount is only £5.


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.


- American Express
- Bank of Scotland
- Barclays
- Chase
- Danske
- First Direct
- Halifax
- Lloyds
- Monzo
- Nationwide
- NatWest
- Revolut
- Royal Bank of Scotland
- Santander
- Starling
- Tesco Bank
- Virgin Money
- Wise

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). You can then add credit cards also.

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

What’s New

Version 1.5.5

Bugfixes and visual improvements to gift cards

Ratings and Reviews

4.5 out of 5
847 Ratings

847 Ratings

laffy10121314 ,

Fantastic app especially the cash back!

This is such a great app for both splitting bills with friends and getting cash back on stuff you already pay for. Payments arrive in your account automatically so you don’t have to do anything, just spend as you would do! Definitely recommending Cheddar to all my friends

Developer Response ,

Hello! We're thrilled to hear you're enjoying the dual benefits of splitting bills and earning cashback with Cheddar. Making the process automatic and seamless for our users is a top priority. Thank you also for spreading the word and recommending us to your friends! Your support means the world. Best wishes, Team Cheddar. 🧀

ukheather ,

Now spammy having to refer friends every month!…

This app WAS good until they changed how it works.

Now you have to refer one friend every single month to unlock the decent companies

Basically it’s a spammy paywall now!

For many people who are disabled and housebound such as myself, I don’t have lots of friends to refer although even abled people have a finite amount of friends!

So people just spam strangers hoping they will sign up.
NOT a good business model at all!

Lots have stopped using it due to this spam your friends paywall

As someone who physically can’t do this as I not only don’t have lots of friends due to chronic illnesses and disability, but I have bad health so can’t do it every month!

I have already referred the only friends I have, before the scheme started and my referrals don’t unlock anything as you have to spam people monthly to get one person to Klingon every month

I physically can’t do it so it also feels discriminatory towards disabled people.

Delete your account and use decent Cashback companies, not ones that want you to spam people every month!

I give them a year max. Clearly going downhill.

Developer Response ,

Hey, thank you for the review. You'll be pleased to discover we've added 50+ brands to tje platform, including the largest (Tesco, Amazon, ASDA, Morrisons and many more). We're here to stay as one of the fastest growing rewards apps and take your feedback very seriously. Please continue to help us improve by providing your input at

Thank you in advance,

Team Cheddar ✌️

sgrwcov ,

Brilliant app to start with but gone downhill

I was first recommended this app by a financial influencer I follow and thought it was brilliant. Easy to link my accounts and easy to register the purchases. Not a lot of shops I would actually use but the few I did registered my cash back easily. I recommended it to a few of my money savvy friends as I thought it was right up their street. Unfortunately the latest ‘update’ means you now HAVE to refer friends in order to unlock the offers- which just happen to be at the few retailers I actually used on it. Not. Cool. Starting to smell like a pyramid scheme to me. What a shame as I won’t be recommending it anymore.

Developer Response ,


Thanks for taking the time to review Cheddar.

Sorry to hear the referral bonus offers are the ones you used mostly. We have a large selection of offers available with many more joining and hope this will make earning cashback even easier for you.

As an app authorised and regulated by the Financial Conduct Authority, we can assure you with absolute certainty that the app is not a pyramid scheme, with globally recognised and respected retail partners on the platform. We wanted a way for users to continue accessing offers that were expiring, and referrals enabled this.

We have many new brands joining the app, which can also be used to send and receive payments with friends. Hopefully you get more use out of it moving forward and start recommending again so that we can continue the journey.

If you have any additional questions, please do not hesitate to contact us via the app.

Kind regards,

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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