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Money For Nothing?
Member Name: cyberem78
Advantages: Generous cashback amounts. Lots of merchant offers.
Disadvantages: Can take a while for payments to be verified.
Topcashback.co.uk is a website where you can earn money from shopping with certain retailers or by undertaking certain tasks such as getting an insurance quotation or entering competitions. I actually joined this site quite some time ago after hearing about how great it is on the website Moneysavingexpert.com. However, I also am a member of other sites and schemes which essentially do the same sort of thing and I was finding these more profitable so I abandoned the site for some time. However, I recently rediscovered topcashback.co.uk after seeing a large cashback offer on a purchase. I have been actively using the site for a couple of months and have earned more than I imagined I could.
Initially I was quite wary of these kind of sites that promise to pay you as you shop online or for paid clicks etc. I thought it was too good to be true, for one thing. I also thought that to earn some money the conditions and requirements might be too complicated and time consuming. I was actually very wrong and I'm pleased and surprised by how much money I've earned over just a short period of time. It's also been easier than I imagined although I do have a few grumbles about the earning process.
To start off with this website you have to create an account with them. This is relatively simple as it's just a case of entering your details and inventing a user name. The idea of having a member name means you are able to use it as a referral link for friends. You can also use this name on the member's help forum (part of the website) which is a useful place to go if you have questions or need help. Although I was frightened of being terribly spammed I used my main email address to join and I'm pleased to say that I don't get large amounts of email from this group. They email when there are new cashback offers and they also email to let me know what's happening with my earnings.
You can earn cashback from shopping at many different retailers. In order to qualify for cashback on whatever you buy you have to go through a special link from the topcashback.co.uk website. This then registers or tracks your purchase. There are also rules and conditions you have to agree to or understand prior to making the transaction. The rules are plainly stated on an individual retailers page. As an example, if you wanted to earn cashback from shopping at Tesco you would click through to the Tesco page on topcashback.co.uk and it would state something like 'buy from health and beauty and earn 3% cashback on whatever you buy. This site call themselves "the UK's most generous cashback site" and I have to agree with that. The amounts you can earn are generally the most I've seen from these kind of reward and cashback sites.
You are also able to earn free cashback and there is a special page which details how to do this. The most common free cashback earners are things like ordering a sim card from a mobile phone company, signing up to websites that require you to enter competitions (an entry is earned through answering a marketing question), getting an insurance quote with your real details etc. I've completed a few of these free offers and found them easy to complete and they don't generate spam or set off a string cold callers contacting you day and night either!
When you make a qualifying purchase it appears in your earnings overview under the 'My Account' tab. This is where it gets a bit annoying for me! Earnings go through several stages before they finally become payable. The first stage is called 'pending' where the transaction is tracked but not confirmed. The second stage is 'confirmed' where it can be verified that you have undertaken this transaction. Then the earning becomes 'payable'. I find it confusing if I have more than one transaction as your total earnings aren't all payable at the same time. It can take days for some to be marked as 'payable' whilst other transactions have an estimated payable time of 8 weeks. It is obviously quite easy to get confused and I would recommend making a separate record of any transaction that you have made in case it is either not tracked or not paid. Neither of these things has happened to me but I do have a few outstanding transactions which are lingering and unpaid.
You can claim your earnings in a number of different ways although it may be dependent on the transaction how you are able to claim your money. You can be paid straight into your bank, by paypal or you can transfer earnings into points for loyalty cards or vouchers. It's a straightforward process and I can vouch that you do actually get your money and it's paid within days of requesting it!
I'm happy so far with being able to earn money on my purchases and special offers and I'll continue to use the site now that I know it's trustworthy. I would recommend it to anyone who wants to earn reasonable amounts of cashback for shopping they would be doing anyway! As mentioned, it can get a bit complicated once you start adding more transactions through different merchants to your earnings list but as long as you are able to keep track of your own dealings you shouldn't have a problem.
Summary: A good way to make some extra money.