Cheddar - instant cashback 4+
Save, earn, plan & track money
Cheddar Payments B.V.
-
- Free
iPhone Screenshots
Description
Cheddar is the ultimate cashback savings and money transfer app designed exclusively for all UK consumers. You're not just saving money; you're taking control of your finances with a smarter, more personalised approach to managing your everyday expenses.
Turn everyday spending into saving with cashback on groceries, takeaways, clothes, homeware, travel and going out. That’s why we’re the highest rated UK cashback app on Trustpilot with an excellent score.
Why Cheddar?
- Award-winning: Best Newcomer at the British Bank Awards 2024, and shortlisted for Best Personal Finance app and innovation of the year.
- Instant Cashback Rewards: Shop with our gift cards and enjoy instant, guaranteed cashback from 100+ leading brands. It’s never been easier to save on your everyday purchases.
- Hyper-Personalised Offers: Thanks to our secure integration with your existing bank accounts, Cheddar understands your spending habits to deliver smart cashback offers and savings that are relevant to you. No more searching for deals; they come to you.
- Simplify Group Expenses: Split bills and share expenses without the hassle of chasing or exchanging bank details. Cheddar’s person-to-person bank transfer feature makes it easy to get paid back or settle debts smoothly.
How to get started:
1. Download the Cheddar app
2. Create a free account. No ID required and no credit checks.
3. Link your bank account(s) and credit cards.
4. Start earning instant cashback with personalised offers in the app
5. Earn cash (not points) effortlessly. No more waiting months for cashback.
6. Redeem this cash directly to your linked bank account instantly without fees.
Some available brands include:
Groceries: Tesco, ASDA, M&S, Morrisons, Iceland, Farmfoods, McColls, Hello Fresh, Sainsbury's
Takeaway: Deliveroo, Just Eat, Uber Eats
Coffee: Costa, Starbucks, Caffe Nero
Shopping: Currys, Boots
Fashion: Nike, Adidas, New Look, Foot Locker, JD Sports, Sports Direct, Boohoo
Home: B&M, B&Q, Ikea
Travel: AirBnB, Uber, National Express, Virgin, Eurostar
Plus many more…
Key Features:
- Instant Cashback Gift Cards: Purchase gift cards from over 100 UK retailers and get cashback instantly.
- Savings insights: See how much you should be saving at every brand based on your actual spend habits, even before joining Cheddar
Savings Performance: Get a monthly overview of where you saved using gift cards, and where you missed out by using your bank cards instead of a gift card
- Spend tracker: Automatically categorises your spend and presents visual insights so you can account for every penny spent to make smarter financial decisions.
- Earn cash: build a cashback pot and withdraw it instantly when needed to a linked bank account.
- Person-to-Person Payments: Send and receive money effortlessly, all without needing to share bank information.
- Tailored Offers: Receive cashback offers that match your shopping habits and preferences.
- Easy to Use: A sleek, intuitive interface that makes maximising your savings and expenses a breeze.
Cheddar is more than an app; it’s your financial companion that makes sure you rarely pay full price again. Enjoy the feeling of making your money go further, receiving relevant offers, and managing group expenses without awkward conversations.
Download Cheddar now and start your journey towards smarter spending and effortless saving!
Support:
Experiencing issues or have suggestions? Our dedicated support team is here to help. Contact us directly through the app, visit our website for more information or email us at support@cheddar.me
What’s New
Version 3.2.1
We're constantly improving Cheddar for our users.
This update includes:
- Improvements to gift card UI
- Improvements to the support section
Happy saving!
Ratings and Reviews
If I could rate higher I would.
My story with Cheddar started around 3 months ago now. I was on holiday and bought an Air b n B gift card. Went to book my accommodation and they wouldn’t allow me due to fears of a ‘party’. I might only be 33 but my party days are truly over! I was stranded in France and had to rebook using a different site. Spending twice the money!!
I reached out to cheddar to inform them of what Air b n B had done. This complaint was then picked up by the owner of cheddar who personal called me to advise this wasn’t good enough. He took the time to speak to me as a human being and promised me he would personally help me. He went on a journey for around 2 months and fought my corner relentlessly. Yesterday cheddar moved me my money back. I honestly cannot recommend this company more. The owner went above and beyond and trust restored my faith in humanity. Thank you will never be enough but thank you anyway.
My favourite cashback app
Hands down the best cashback app in my opinion, it offers a wide variety of stores and often has higher cashback % than other sites I use. Also love how they have boosted cashback and accessing the gift cards is always really easy.
They now have introduced budgeting with a spending tracker which means I can have a cashback and budgeting app in one 💃 it’s still in the beta stages so I hope it gets a lot better to rival my current apps.
Not quite perfect
This app is good and the function is great the problem is some gift cards you have to jump through hoops in order to pay at the till and secondly the after sells service from customer support is atrocious when I had a issue with a Asda card. It took them four days and they still didn’t review my account to try and help me they just wrote a load of simple things. Have you done this? Have you done that? And felt to bother even looking into seeing if there was an issue? It turned out that asda actually had a gift card Problem and it was Asda who needed to resolve it but they did not bother communicating with the company to see if there was issues to tell their customers.
Developer Response ,
Hey, thank you for taking the time to review Cheddar.
We totally agree that there are some hoops you have to jump through to get your gift cards. This is processed by a third party, yet we're working on ways to significantly reduce this and should have some updates later in the year.
It's disappointing to discover your experience with customer service wasn't anything but exemplary. Please email us with full details and we'll rectify the situation and ensure out processes are improved moving forward. As you rightly pointed out, this was an issue with ASDA and checking internally, we did speak with the grocer about this. However, we're here to grow and learn and appreciate we can communicate in better ways to suit your requirements.
You can contact us at feedback@cheddar.me and please reference this review.
We look forward to hearing from you and making the app better for you!
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
Information
- Provider
- Cheddar Payments B.V.
- Size
- 97.8 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2020 - 2025 Cheddar Payments B.V.
- Price
- Free