Why you can trust our reviews of cashback bank accounts
The details that matter
Banks want to wow you with claims of big rewards, but these can be eroded by monthly fees and caps on how much cashback you can earn.
Customer scores
Earning a few pounds in cashback each month isn't worth it if you're putting up with rubbish service, which is why we show scores from our customer surveys.
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Many banks and building societies offer cashback on monthly bills if you open or retain a current account.
Others will pay a monthly bonus or non-monetary rewards if you meet certain conditions, such as using your debit card a certain number of times.
Here, we explain how to get the most out of cashback current accounts, plus the crucial T&Cs to look out for.
We show the current accounts that pay cashback or rewards below, ranked by maximum cashback per month.
Santander Edge Up (548) | 71% | £15 | £5 | £1,500 |
RECOMMENDED PROVIDER Chase Current Account (164) | 82% | £15 per month for one year | £0 | £0 |
Santander Edge (548) | 71% | £10 | £3 | £500 |
RECOMMENDED PROVIDER Nationwide FlexDirect (590) | 84% | £5 per month for one year | £0 | £1,000 |
NatWest Reward (544) | 74% | £5 | £2 | £1,250 |
Royal Bank of Scotland Reward (192) | 73% | £5 | £2 | £1,250 |
RECOMMENDED PROVIDER Danske Reward (55) | 80% | £5 | £2 | £1,000 |
Zopa Biscuit | n/a | £2.50 | £0 | £0 |
TSB Spend & Save Plus (216) | 67% | £5 | £3 | £0 |
Table notes: Correct as of 7 January 2026. Customer score: Our rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand and how likely they are to recommend it to a friend. We surveyed 6,665 members of the general public in August 2025. Sample size in brackets. Our full table includes scores and star ratings for all banks.
Our pick of the bunch is Santander Edge Up which pays 1% cashback on household bills paid by direct debit, capped at £15 per month, plus 2.1% interest on credit balances up to £25,000 (making it one of the best high-interest bank accounts). If you don't want to pay the £5 monthly account fee, its Edge account is £3 per month, though you can only earn a maximum £10 cashback each month. For both accounts, you'll need to meet minimum funding requirements (£1,500 or £500, respectively) and have at least two active direct debits.
71%
of 22 current account providers with a customer score
Digital bank Chase offers 1% cashback on groceries, everyday transport and fuel – capped at £15 per month – on debit-card purchases for the first year and has no monthly account fee. Ongoing perks include a linked savings account, no debit card fees on transactions or ATM withdrawals abroad, and 5% on 'round-up' savings (after a year the balance will be automatically transferred to your Chase current account so you won't earn 5% on a large balance).
82%
of 22 current account providers with a customer score
Chiara Cavaglieri, Which? banking expert, says:
Picking the right cashback current account for you will depend on your spending habits, so there's no one-size-fits-all approach.
We think Chase and Santander will be the right choice for most of you. However, some of banks offering cashback have online calculators to help you estimate potential earnings, so do use these.
For example, if you don't pay all of the household bills from your account, you may prefer a simple deal such as NatWest and RBS Reward. This gives you £4 for paying out two or more direct debits (valued at £2 minimum), plus £1 for logging into the mobile banking app each month.
If you just want to make money on your shopping, Monzo has launched cashback on purchases at participating merchants, designed to be personalised to your habits (by sharing anonymised data with retailer partners). You'll need to activate each individual cashback offer and read any conditions, including the value, cap and expiry dates, in the app.
Cashback deals can become less generous over time (I'm looking at you, Barclays Blue Rewards), so keep an eye out for changes to your terms and conditions.
Many providers ask you to pay in a minimum amount each month or maintain a certain number of direct debits to be eligible for current account rewards.
In some cases, you may need to hold other products with that provider, such as a mortgage, personal loan or insurance to benefit fully.
Compare rates with the rest of the market, as you might be better off holding these products with other providers, even with the extra cashback.
Watch out for fees being increased, or benefits being chopped and changed. If they are, take the time to reassess whether the account is still working for you and consider switching if the benefits no longer stack up.
You might earn more by doing your day-to-day spending on a credit card that pays cashback, provided you can pay off your balance in full each month.