Avoid if you are not going to use it regularly. A company that is supposed to help the public sector that profits by it! Expensive for a simple cash-back card, there are a lot of other great ones out there that do not change you for not using your card regularly. The annual fee of £2.99 is ok, but a £5 charge per month for not using it or topping up is extremely steep in my opinion. I checked my account at the weekend to find out I had been charged £12.99 (I have now closed my account). I feel they are making money for doing nothing. Unless you shop regularly and remember to top up your card avoid as it isn't worth it.

Great The discounts are great and so easy to purchase via e-voucher or gift card. I have saved money with purchasing gifts for people and myself and trips away. Comes in very handy for Christmas shopping! Thanks

Very disappointed Very disappointed. Signed up to this card through Totum. I topped up the card and added it to my apple wallet, however, it will not verify. I have contacted customer service and still not had any luck after over a week. I cannot access my money or use my card. I have requested that I have my money returned and a refund on the card fee, or alternatively a plastic card rather than a virtual one, but I am getting no reponse. I will be taking legal advice.

I love the cash back card I love the cash back card - I do all my grocery shopping with it and also use at Boots, Argos etc - it’s so easy

Very useful and great discounts Very useful and great discounts. I love using this platform. I usually find retailers that I shop from regularly, which helps me save money!