4% easy-ish access?, free Lidl/Asda £5 s, £1,000s in easy cashback, 21 plants £11, Will you be allowed to vote?

Time to become a CASHBACK king
(or queen - but it doesn't alliterate as well)

- New. 1% on debit card spending year after year
- £200 FREE from a bank account
- Up to 3% cashback on your bills
- Extra cashback at many retailers
- Up to 12% off mobile bills
And you can combine these to gain £1,000s

Chase Bank launched its current account in Sept 2021, and has long been our top-pick cashback card, giving 1% cashback on spending for the first year. It's now changing its rules so you can keep getting cashback even after the 12 months is up (with some T&Cs). So that made us think, how can you take the cashback crown, in every possible way...?

The Chase* app-based bank is a best or near best-buy in a good few categories. You don't need to switch to it to get the perks, and it only does an ID check on application, so won't affect your ability to get credit later. This makes it a great option to use alongside your normal bank account. It gives:

PS: Chase also just announced it'll put data on your credit file. As it doesn't have any debt products, such as overdrafts, credit cards or loans, this will likely have a positive impact on customers' credit scores.

You needn't use Chase as your main bank so you're able to combine it with your normal bank account. And right now, as four banks currently offer new switchers free cash. So unless you love your current current-account, why not get paid to ditch and switch?

Switching is easy: use the banks' seven-working-day switching service, and they move all money, direct debits and standing orders for you, forward all payments to the new account and close your old account. Full help and options in top bank accounts but in brief, here are our two top picks...

Bank switching can be done multiple times - some have made £1,000s over the years. MoneySaver Helen's quite new to it, but emailed us this: "I've switched 3 times in 12 months, netting a cool £450 + rewards! Also opened Chase to get the 1% cashback and used it abroad (no fees)... love being as savvy as I can after discovering MSE! Thanks for all you do."

For more info on how to get FREE cash regularly just from doing this, see our detailed how to keep switching bank for cash guide.

This is tougher to make work alongside the switching and cashback options above, unless you have a joint bills account (separate from your own account), in which case this is a great addition. With the Santander Edge* account, for £3/month (plus a £500/month deposit and 2+ direct debits) you get:

You can then use this to pay bills and Chase for everyday spending.

There's a way to earn far more spending cashback than with Chase, but it's only for 3 months - though if you've a planned big-spend period coming, grab it. You use a reward credit card paid off IN FULL each month (or the interest cost dwarfs the cashback gain), and, as it's a credit card, you get Section 75 protection that you don't get with Chase.

The Amex Platinum Cashback Everyday* card (best to first check your odds of being accepted) pays 5% cashback for the first 3 months (max £100), then an ongoing 0.5% to 1% cashback. Yet you have to spend £3,000+/year on it to get any cashback. Yet make sure you repay IN FULL every month or it charges 28.1% rep APR interest, which dwarfs the cashback gain.
If you'll spend over £10,000 a year, also check out the different Amex Platinum Cashback card. It can also be useful for those big spenders who have had Chase for over a year, and will soon face the £1,500 spending cashback cap. So you could use this for spending above that.

Cashback sites get paid by retailers when you spend through them, and to get you to do that, they give you some of what they get paid as cashback. So if there's something you need and you've checked where it's cheapest, then buy it from that store through a cashback website such as Quidco or Topcashback.

Some people make £100s a year from this - see our full cashback website pros & cons guide for more. And all this works ON TOP of the 1% Chase or reward credit card cashback.

Do bear in mind, earnings from cashback sites aren't guaranteed until they're in your account, so see them as a nice bonus, not a certainty.

This last one is the icing on the cake, as you can get it as well as the Chase cashback, and the cashback from cashback sites.

Link any Visa or Mastercard bank accounts you have (works with all UK banks, won't work with Amex) to minimal effort cashback app Airtime Rewards and it automatically tracks spending at 100+ retailers, such as Argos, Boots and Greggs. It then pays 1% to 12% cashback, redeemable as credit against your mobile bill (for the major networks such as Vodafone and EE but not Sky Mobile, Voxi, Tesco Mobile and so on).