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.

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.

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!

Really impressed I have recently started a new job and was made aware of the benefits I have access to within a couple of days of joining, and the discounts are absolutely amazing! I have only been using them a couple of weeks and have already saved £35 on a new phone and about £20 on my food shops. I've just received and activated the cashback card I ordered through the website on recommendation of a colleague and I'm super excited to start using that too!

Very good experience and a helpful… Very good experience and a helpful person on the end of the line when I couldn't print my voucher! Thank you