Get money off your bill with up to 10% cashback

Save a bundle by turning everyday spending into savings on your bill. Earn up to 10% cashback every time you use UW Cashback Card online and in-store.

New to UW? Join us to get started. Already a customer? Sign in and add your Cashback Card in a few clicks.

Get a quote Sign in and save

The legal bit

The UW cashback card is issued by PSI-Pay Ltd pursuant to a license by Mastercard International Incorporated. PSI-Pay Ltd is regulated by the Financial Conduct Authority (FCA) under the electronic Money Regulations 2011 (FCA register number 900011) for the issuing of electronic money. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Our cashback card provider PSI-Pay Ltd is an authorised e-money institution. E-money is not subject to Finance Services Compensation Scheme protection in the way bank deposits are, but it is subject to “safeguarding” requirements. In the unlikely event of insolvency, this means there will be a pool of funds from which cashback card customers would be repaid (subject to certain deductions for associated insolvency costs).

Maximise your savings with UW's Cashback Card

Graphic showing over 440k customers on Cashback Card

Cashback cardholders*

Average top cardholder savings by year**

Cashback earned each year***

The legal bit

*Number of Cashback cardholders correct as of 1 January 2025. Households with two cardholders on the same UW account count as two cardholders.

**Calculated using the average cashback earned between 01-01-2024 to 29-12-2024 (52 weeks) by the top 10% of active account holders (customers who used their card at least once a week during this period). This figure excludes customers who won 100% cashback through the Cashback Magic promotion.

***Based on annualised cashback earnings paid to customers between 29-06-2024 to 29-12-2024.

Discover which big brands you could save with

With your new card, you'll have access to an ever-growing list of popular retailers both in-store and online. So you can save money on everything from your regular weekly shop to weekends away. Check out our full list of our retail partners by clicking the button below.

See our full list of retailers here

Introducing Apple Pay. Your iPhone is now your UW Cashback Card.

Apple Pay is an easy, secure, and private way to pay—in-store, online, and even in your favourite apps. Now Available with your UW Cashback Card on your iPhone, Apple Watch, iPad, and Mac.

More about Apple Pay

How does UW's Cashback Card work?

Top up

Load money onto the Cashback Card from your debit card using the UW app or website.

Get your essentials

Shop with your Cashback Card and automatically earn up to 10% cashback from our retail partners and 1% everywhere else*. Get a real-time cashback alert on the app the second you pay.

Lower your bill

At the end of every month we'll automatically take your cashback earnings off your UW bill.

The legal bit

*You can earn unlimited cashback at the relevant % from our retail partners each month. Purchases from other retailers are eligible for cashback of 1% on spend, subject to cashback caps which vary depending on the number of services you have taken out. You are only eligible to receive the 1% cashback at other retailers if you are not engaged in debt collection proceedings with UW – and have at least one of the following services live at the time of billing: Mobile, Broadband (Broadband and/or Home Phone) or Energy. See our Cashback Card terms and conditions here.

Stream more, save more

Bringing entertainment to everyday savings. Get 5% cashback on monthly plans with big-name subscription providers when using your card.

The legal bit

Get 5% cashback when you use your UW Cashback Card on any monthly subscription plans for the following providers: Amazon Prime, Prime Video, Amazon Music, Netflix, Spotify, Disney+ and Paramount+. We are in no way affiliated with any of the brands featured in this offer.

Earning cashback made easy

Our free app lets you top up your cashback card, see your cashback earnings and manage your account from wherever you are.

Plus, with Cashback Insights, you can view your all-time earnings, average monthly cashback, and top five retailers you've earned cashback with. So you can understand your spending habits and take steps to maximise money off your monthly bill.

Go to the UW App

Get fast, simple, secure cashback

Fast cashback payouts

The cashback you earn automatically comes off your UW bill each and every month

Double up your cashback potential

Add an extra cardholder to your account to increase your qualifying spend across the family and reduce your UW bill even further.

Never forget to top up again

Automatically top up your Cashback Card weekly, monthly, or when your balance falls below a set amount.

We've got you covered

Our in-app security features help to keep your money safe. Block lost cards, disable cash withdrawals, and switch off contactless payments in a few taps.

Watch your savings stack up every month

Get more out of your money every day for even less than the cost of a coffee. For just £3 a month*, the savings you earn with our Cashback Card automatically come off your UW bill every time you use the card.

New To UW? Join us to get started. Already a customer? Sign in and add your Cashback Card in a few clicks.

Get a quote Sign in and save

Illustrated Image showing the UW CBC in a wallet

The legal bit

*£3 a month. There is also a one off application fee of £5 per account. Further details of all applicable fees and charges are outlined in our Cashback Card terms and conditions.

FAQs

Who can get a UW Cashback Card?

The amazing savings you get through our UW Cashback Card is available to existing customers only. Want to join? You can find out how here.

What are the charges?

There is a one off application fee of £5 per account and an on-going monthly management fee of £3 per account. Further details of all applicable fees and charges are outlined here.

How do I earn cashback?

Use your card at one of our many participating retailers and you can earn up to 10% cashback. You can find a complete list of which stores you can earn cashback at here.

You can also earn 1% for spends on your card if you have at least 1 Service with UW, and do not have an outstanding balance owed to UW. The 1% cashback benefit is subject to our Terms & Conditions, which set out the exceptions and limits.

How does cashback pay for my UW bill?

We’ll add the total cashback amount you earned as a credit directly to your UW bill. You’ll be able to see exactly how much you’ve saved, month by month, with just your everyday shopping.

Can I have more than one cardholder?

Many of our customers have several cards to increase the opportunity to save on their utility bill. Just log into your online account to add additional cardholders.

Can I use the card for big purchases?

Absolutely! We want to make saving as easy as possible which is why we’ve chosen the list of selected high street retailers we have. Meaning you can earn cashback on any major DIY projects you planned for your home. Savings that definitely add up!

How do I get 1% cashback on spend?

In order to receive the 1% cashback on purchases you make on the card you need to have at least one eligible service at the time of billing: energy, mobile, broadband or insurance. And ensure that your account is in good standing and is not engaged in debt collection proceedings with UW.

Do FX charges count towards cashback?

We want you to enjoy your far-flung holidays, and they’ll be even better when you know you’re saving on your utility bills by using your Cashback Card abroad. UW will refund all foreign exchange fees you’re charged when using your Cashback Card straight back to your account. Meaning that lovely, sun soaked paella or parasailing trip can both save you money on your UW bill.

Where can I see how much I’ve earned?

You’ll find the amount of cashback that you’ve earned through your spending directly on your UW bill. It will show up as a credit, taking the total value directly off of your utility bill.

Who issues my Cashback Card?

The UW Cashback Card is issued by PSI-Pay Ltd pursuant to a license by Mastercard® International Incorporated. PSI-Pay Ltd is regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (FCA register number 900011) for the issuing of electronic money. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

How is my money protected?

Our Cashback Card provider PSI-Pay Ltd is an authorised e-money institution. e-money is not subject to Financial Services Compensation Scheme protection in the way bank deposits are, but it is subject to "safeguarding" requirements. In the unlikely event of insolvency, this means there will be a pool of funds from which Cashback Card customers would be repaid (subject to certain deductions for associated insolvency costs).

What can I do with the Insights feature?

Use your Cashback Insights to look at how much you’ve saved and where your cashback comes from to see how you can maximise money off your bill.

Why can’t I find the ‘Insights’ feature in my app?

Please check that you’ve installed the latest version of the UW app.

When will I see purchase insights on my Cashback Card transactions?

Instantly! As soon as you spend, your estimated earnings will be added to your Insights totals.

I don’t have the UW app yet.

No problem – you can download it here, and start using it straight away to see all your insights!