Cheddar Referral Code: REFERAS
Looking for a Cheddar referral to get started with cashback? You’re in the right place.
Sign up to the Cheddar cashback app today using the Cheddar referral code REFERAS and you’ll receive £5 free when you make your first gift card purchase within 14 days of joining.
👉 Cheddar Referral Code: REFERAS
Cheddar Cashback App UK: How to Earn Cashback Automatically and Save More on Gift Cards
Introduction: Cashback Made Simple
Cashback has become one of the most popular ways for UK shoppers to save money on everyday spending. From groceries and takeaways to fashion and travel, everyone loves the idea of getting something back for money they were going to spend anyway.
Traditionally, cashback was tied to credit cards or “click-through” websites like Quidco and TopCashback. While useful, these often involved complicated steps, small print, or waiting months to receive your rewards.
The Cheddar cashback app is changing that. Built for the modern, mobile-first shopper, Cheddar makes cashback automatic, secure, and flexible. It offers two ways to save: direct cashback linked to your bank account, and instant cashback when you buy discounted digital gift cards.
What is Cheddar?
Cheddar is a UK-based cashback and rewards app that uses secure Open Banking technology to connect to your bank account and track qualifying purchases automatically. Unlike other platforms, you don’t need to remember codes, upload receipts, or click through tracking links.
It’s free to use, simple to set up, and available on both iOS and Android.
How Cheddar Works
Cheddar provides cashback in two main ways:
1. Direct Cashback from Linked Bank Accounts
This is the most seamless feature of Cheddar — once set up, it works in the background while you shop.
- Link Your Bank Account
Cheddar connects securely to your bank (Monzo, Barclays, Lloyds, NatWest, Halifax, and more) via FCA-regulated Open Banking. - Shop at Partner Retailers
Spend as normal, online or in-store, at brands partnered with Cheddar — such as ASOS, Greggs, Just Eat, Starbucks, Trainline, Booking.com, Currys, and many more. - Get Cashback Automatically
Cheddar detects the transaction and credits your cashback directly into your app wallet. You can withdraw to your bank once it’s confirmed.
💡 Example: Spend £50 at ASOS with 5% cashback = £2.50 automatically credited to your Cheddar account.
2. Cashback via Discounted Gift Cards
If you want even more savings, Cheddar also lets you buy digital gift cards at a discount.
- Browse the App – Choose from a wide range of retailers (Amazon, Tesco, Deliveroo, Uber Eats, Spotify, and more).
- Buy the Gift Card – Pay through the Cheddar app.
- Instant Cashback – A percentage (typically 3–10%) is instantly credited back into your Cheddar wallet.
- Use the Gift Card – Spend it online or in-store as you normally would.
💡 Example: Buy a £100 Amazon gift card with 3% cashback = £3 instantly added to your Cheddar account.
Why Two Methods Matter
- Direct Bank Cashback = perfect for “set-and-forget” savings — it works automatically without you lifting a finger.
- Gift Card Cashback = great for planned spending — you get instant rewards for purchases you know you’ll make.
Together, these make Cheddar one of the most versatile cashback apps in the UK, offering both passive and active ways to save money.
Cheddar Partner Retailers
Cheddar works with a growing network of popular UK brands, including:
- Food & Drink: Starbucks, Greggs, Just Eat
- Fashion: ASOS, JD Sports, Nike
- Travel: Booking.com, Trainline
- Tech & Lifestyle: Currys, Argos, Apple
- Supermarkets & Essentials: Tesco, Sainsbury’s (via gift cards)
This list is expanding all the time, meaning more ways to earn cashback.
How Much Can You Earn?
Cashback rates vary by retailer, typically between 2% and 10%.
- £100 spent at ASOS with 5% cashback = £5 back
- £30 in Greggs lunches at 10% cashback = £3 back
- £500 hotel booking via Booking.com at 6% cashback = £30 back
- £100 Amazon gift card with 3% cashback = £3 back instantly
Over time, these savings add up — many users save hundreds of pounds per year just by using Cheddar alongside normal spending.
Cheddar Referral Code: REFERAS
How the Cheddar Referral Works
It’s quick and easy to claim your £5 bonus:
- Download the Cheddar app on iOS or Android.
- Register a new account.
- Enter the referral code REFERAS during sign-up.
- Make your first gift card purchase within 14 days.
- Your £5 free bonus will be credited to your Cheddar account.
✅ That’s it – start saving instantly.
Why Use the Cheddar Referral?
- £5 Free Bonus – A head start just for joining with the code REFERAS.
- Save Automatically – Cashback tracks in the background via your bank.
- Get Instant Rewards – Extra savings on digital gift cards.
- Completely Free – No membership fees or hidden charges.
- Safe & Secure – FCA-regulated Open Banking technology.
Is Cheddar Safe?
Yes. Cheddar uses FCA-regulated Open Banking, which means:
- Bank-grade encryption to keep your data secure.
- Read-only access – Cheddar can see transactions to track cashback but cannot move your money.
- Cash payouts – Rewards are transferred as real cash to your linked account.
It’s just as safe as other Open Banking apps like budgeting or money management tools.
Pros and Cons of Cheddar
Pros:
- Completely free to use
- Two ways to save (bank-linked cashback + gift cards)
- Automatic tracking — no need to scan or click links
- Cashback paid as real money, not points
- Referral rewards for extra savings
Cons:
- Fewer retailers than older cashback sites (but expanding fast)
- Cashback payout times vary by retailer
- Requires linking your bank, which some may hesitate to do
Cheddar vs Competitors
| Feature | Cheddar | Quidco | TopCashback | Airtime Rewards |
|---|---|---|---|---|
| Cashback Method | Bank-linked + Gift Cards | Click-through site | Click-through site | Bank-linked |
| Rewards Type | Cash | Cash | Cash | Mobile bill credit |
| Ease of Use | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐ |
| Fees | Free | Free / Premium option | Free / Premium option | Free |
| Referral Rewards | Yes | Yes | Yes | Limited |
👉 Verdict: Cheddar is the easiest to use, thanks to its automatic tracking and gift card option, while Quidco and TopCashback may offer more retailers but require more effort.
Conclusion: Is Cheddar Worth It?
For anyone in the UK who wants to save money on everyday spending, Cheddar is one of the most innovative cashback apps available today.
Its dual approach — automatic bank-linked cashback and discounted digital gift cards — makes it uniquely versatile. You can save passively without lifting a finger and actively grab extra rewards when planning purchases.
Add in real cash payouts, top-brand partnerships, and a rewarding referral program, and Cheddar has everything you need to make cashback simple, modern, and effective.
👉 Download the Cheddar cashback app today, link your bank, and start earning rewards instantly.
If you want a simple, modern way to save on everyday shopping, Cheddar is the perfect cashback app. With automatic bank-linked rewards and discounted gift cards, it helps you keep more money in your pocket without the hassle of receipts or promo codes.
And now, with this exclusive Cheddar referral, you’ll get £5 free when you sign up with the Cheddar referral code REFERAS and make your first gift card purchase within 14 days.
👉 Download the Cheddar app today and enter Cheddar referral code REFERAS to claim your £5 bonus.
