I have used both TopCashback and Quidco for over three years. I have earned over £400 from TopCashback alone. So here is my honest breakdown of which platform actually pays more in 2026.
The Short Answer
TopCashback wins. In most cases, TopCashback offers higher cashback rates than Quidco. They also have a more generous referral programme and a better browser extension. But Quidco still has its place.
Rate Comparison
I compared ten popular UK retailers on both platforms. Here is what I found:
- Currys: TopCashback 6% vs Quidco 3%
- Argos: TopCashback 3.5% vs Quidco 2%
- Boots: TopCashback 8% vs Quidco 5%
- John Lewis: TopCashback 4% vs Quidco 3%
- ASOS: TopCashback 5% vs Quidco 3.5%
- Just Eat: TopCashback 5% vs Quidco 3%
- Shein: TopCashback 21% vs Quidco 12%
- Temu: TopCashback 28% vs Quidco 15%
TopCashback consistently beats Quidco on rate. Sometimes by a little, sometimes by a lot.
Other Factors
Payout speed: Both take 6-8 weeks to confirm, then another few days to pay out. No real difference here.
User interface: TopCashback has a better browser extension that automatically finds cashback on sites you visit. Quidco’s extension exists but is less reliable.
Referral bonuses: TopCashback pays £10 per active referral. Quidco pays £5. If you can get a few friends signed up, this adds up fast.
When Quidco Wins
Quidco occasionally has exclusive higher rates on certain retailers. It is worth checking both before a big purchase. Also, some users find Quidco’s mobile app slightly more intuitive.
My Verdict
Use TopCashback as your primary. Check Quidco for specific deals before major purchases. That is the optimal strategy.
Join TopCashback free (new members get £20 bonus)
This post contains affiliate links. Cashback rates correct as of April 2026.
Related guides: TopCashback review • TopCashback vs Quidco
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