Great option to get Cashback The majority of my regular cashback comes from my weekly Sainsburys shop. Great card with 5% off, easy to use, getting cashback is seamless and is very useful for big purchases/at Christmas-time etc. I do all my weekly grocery shopping on it and we use it as our family expenses card, paying for meals out and trips away.

Company has started sending me spam… Company has started sending me spam marketing emails. The first line has two typos in it so that tells me about their level of professionalism. They use phishing techniques and send spam emails. Avoid!

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.

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.

efficient and courteous service I had made a silly mistake filling out an online form which resulted in not receiving a "reward" voucher. I filled in the "contact" form on the website. The error was rectified without any queries and I received the voucher the following day. I was VERY impressed with the speed and efficiency of the service and the courtesy of the email which I received from the company's Customer Service department.