The 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.

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.

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.

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.

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.

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.

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.

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.

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 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).

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

You need to be a homeowner who: 

1. Signs up as a new UW customer between 8th September 2025 and when the promotion ends, taking at least two eligible “Bundle Services”.

2. Signs up and is accepted for a UW Cashback Card within 30 days of creating your UW account.

3. Pays their UW bill by direct debit, with no outstanding debt on your account.

4. Remains a UW customer and keeps the requisite number of eligible Bundle Services for the requisite period (please see full T&Cs for more information).

A "Bundle Service" refers to services like Energy, Broadband, Mobile and some Insurance products. Home Insurance does not count as a Bundle Service for this promotion. For Mobile, two or more SIMs from specified tariffs, as set out in the Residential Products and Services terms and conditions, will count as two Bundle Services. Two or more legacy tariff SIMs or a mixture of one eligible SIM and one or more legacy SIM(s) will count as one Bundle Service.

The amount you receive depends on how many Bundle Services you take when signing up as a new customer to UW:

• 2 eligible Bundle Services: £50

• 3 eligible Bundle Services: £100 (given in two payments of £50)

• 4 eligible or more Bundle Services: £150 (given in three payments of £50)

The bonus is paid after you activate your Cashback Card. The first payment will be credited within 30 days of Activation of your Card (but in most cases, it will be immediately following Activation). Subsequent payments, if you're eligible for them, will be credited 30 and 60 days after you have received the first bonus payment, as long as you maintain the required number of Bundle Services to qualify.

Activation means you have completed all the security and verifications steps, received your physical Cashback Card, and activated it using the 6-digit code on My Account or in the UW App.

No, you do not need to top up your card to receive the Welcome Bonus. Once you have activated your Cashback Card and your bonus has been credited to your wallet (which in most cases will be immediately following Activation), you will be able to spend your bonus right away.