How to use the Cheddar cashback app

Disclaimer: this post contains affiliate links.

Have you downloaded the Cheddar app yet?

Cheddar offers an easy way to make and receive payments, and to earn cashback on everyday purchases. I’m a big fan of cashback apps and websites, and Cheddar is definitely one of the easiest apps to use because you earn cash with very little effort. Once you’re registered and have connected your cards, the app does all the hard work and all you need to do is spend at participating retailers and Cheddar will automatically pay you cashback. This easy method of earning cashback is similar to Airtime Rewards, but Cheddar pays the cash directly to your bank account rather than a credit to your phone bill.

Cheddar pays cashback directly into your bank account when you make a purchase (in store and online) using your cards, Apple Pay and Google Pay. Cheddar is regulated by the FCA (Financial Conduct Authority) and can be used by any UK resident aged 16 or older with a current account.

Participating retailers currently include McDonald’s, Greggs, Wilko, House of Fraser, Deliveroo, Sainsbury’s and Sports Direct. Cheddar is also currently offering cashback on purchases at the Co-op, which I’ve not seen on any other apps (unfortunately, Tesco cashback has come to an end). And for travellers you can earn cashback on your TFL and Trainline journeys too. Cashback offers are tailored to the individual user.

Cheddar is currently compatible with the following banks: AIB, Bank of Scotland, Barclays, Danske Bank, First Direct, Halifax, HSBC, Lloyds, Monzo, Nationwide, NatWest, Revolut, RBS, Santander, Starling and Wise.

You can also use Cheddar to easily make and request payments to/from another registered Cheddar user – using a phone number, Cheddar tag, QR code or tapping a payment link. You don’t need to share any bank details at all!

How to use the Cheddar app

Download the app using the link below, or use my referral code LUCKY12 when signing up.

• Download Cheddar to your device here

Then add your bank card information to the app in order to receive your cashback – you’ll have to log in to your banking app and approve Cheddar connecting to your account.

You will need to reauthorise your bank connections every few months – to do this, tap Activity, then the wallet icon and tap on each of your cards, then Renew Access.

Add a photo to your profile by tapping the camera icon, and change your Cheddar Tag by tapping Personal from the menu options. From the profile page you can also refer your friends, and will earn cash (the amount varies) when they join using your link or referral code.

Earning cashback with Cheddar

In the Cheddar app, tap the Cashback icon to see the latest cashback rates; at the top of the screen you’ll see how much cashback you’ve earned (tap this to see a breakdown of each transaction, and to redeem the cashback). You need to reach a minimum of £5 cashback in order to redeem, and the money will immediately be transferred to your bank account.

Making or receiving payments with Cheddar

In the Cheddar app, tap the purple C button on the Activity screen to make or request a payment. Add the amount, tap Ask or Pay then search for a name or Cheddar tag (eg. my tag is SuperluckyDi) and add an optional message. When making a payment, Cheddar will log you into your online banking app, where you can confirm which account to pay the money from.

Cheddar have ongoing cash giveaways for registered users so make sure you follow @CheddarPay on Instagram for details!