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Get money off your bill with 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.

Join UWSign in and save
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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

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Cashback cardholders

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Average top cardholder savings by year*

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Saved on bills every year**

*Calculated using the average cashback of £129.68 earned between 6/3/22 and 25/5/22 by the top 10% of active account holders (those who used their card at least once a week during the same period) which has been annualised to give an average yearly cashback earned figure of £421.

**Based on annualised cashback earnings paid to customers between 1/3/22 - 23/1/23, inclusive.

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 app for a full list of our retail partners, plus how much cashback you can earn with them.

Go to the UW App

How does UW's Cashback Card work?

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Top up

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

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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.

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Lower your bill

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

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
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Get fast, simple, secure cashback

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Fast cashback payouts

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

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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.

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Never forget to top up again

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

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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 £2 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.

Join UWSign in and save
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*There is a one off application fee of £5 per account. Further details of all applicable fees and charges are outlined in our terms and conditions

What our customers say

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FAQs

Who can get a UW Cashback Card?

What are the charges?

There is a one off application fee of £5 per account and an on-going monthly management fee of £2 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!

Download our mobile app
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Utility Warehouse Limited is authorised and regulated by the Financial Conduct Authority