I have been using Everup for a while now, so this is a proper Everup review from someone who actually spends through it. It's a cashback app that pays you for buying gift cards for places you were going to use anyway, the cashback lands pretty instantly, and the rate is decent rather than magical. If you don't have a mortgage and everyone keeps nudging you towards Sprive, Everup is the one that actually fits you. Let me show you what it really pays, with real orders from my own account.

What is Everup and how does it work?

Everup is a cashback app built around gift cards. Instead of shopping first and hoping the cashback tracks later, you buy a digital gift card through the app for a shop you were going to use anyway, the cashback and a pile of coins land in your account straight away, and then you spend the card like normal at the till or in the shop's own app. That is the whole model. Because the saving is baked in the moment you buy, there is no waiting weeks and no purchases mysteriously failing to track, which is the thing that puts a lot of people off the click-through cashback sites.

How much cashback does Everup actually pay?

On my last two orders I bought a £55 Just Eat card and got £2.69 back, and a £50 Boots card and got £1.75 back. That is roughly three to five percent, which is perfectly fine for money I was spending regardless. Go in expecting a few percent on your normal spending and you will be happy.

Everup coins, spins and scratch games

Every purchase also drops a load of coins into your account, and those coins feed a set of spin wheels and scratch cards that can win you a bit more cashback. It is a nice little extra when you are already buying a card, not something to chase. If gamified apps annoy you, you can happily ignore the games entirely and Everup still does its job.

Everup vs Sprive: the better choice with no mortgage

This is the comparison I get asked about most, so it earns its own section. Everyone talks on about Sprive, but Sprive's whole trick is putting your shopping cashback towards overpaying your mortgage. No mortgage, you can't use it, and plenty of us haven't got one. Everup does the same shopping-cashback job but actually pays you, either as cash once you've built up ten pounds, or as more gift cards. So if you are renting, or mortgage-free, and you have been feeling left out of all the Sprive chat, Everup is the version that was built for you. Same idea, money in your pocket instead of against a mortgage you do not have.

The catches you should know before you use Everup

Gift cards always come with strings, and a fair review says so. You need ten pounds of cashback before you can take it to your bank, so anything under that has to stay as gift card credit for now. Refunds come back as credit too, not cash, which ties you to that shop. And a gift card does not carry the protection a card payment does on bigger purchases, so I would keep Everup for everyday, lower value spending you are sure about rather than a big one-off. There is also the general gift card risk that if a retailer went under, the credit could go with it, though that is true of any gift card, not just Everup.

Everup review: is it worth it?

For everyday and in-person spending you were doing anyway, yes, Everup is worth it. It pays instantly, it covers the shops you actually use, and it fills the gap the click-through sites leave. Just keep your expectations honest. This is a few percent back on normal spending, not a money-maker, and you should never buy a card for a shop you would not have used. Used sensibly, on the food shop, a takeaway, a Boots run, it earns while you get on with your day. That is exactly what I want from a money app, and it is why it has stayed on my phone. You can sign up to Everup here.

What else I use alongside it

Everup does not cover everything, I also run TopCashback as well, which pays you a cut for going to the shop through its link. The two cover completely different ground, so I happily use both. I will do a proper post on TopCashback soon, but if you want a look now, my link is here:

Frequently Asked Questions

What is Everup and is it legit?

Everup is a UK cashback app that pays you for buying discounted digital gift cards for shops you use anyway. Yes, it is legit. You buy a card, the cashback lands instantly, and you spend the card as normal. There is no waiting for it to track like the older cashback sites.

How much can you earn with Everup?

Be realistic. On a fifty five pound Just Eat card I got two pounds sixty nine back, and on a fifty pound Boots card, one pound seventy five. Real money on normal spending.

Is Everup better than Sprive?

If you have not got a mortgage, yes. Sprive puts your cashback towards overpaying your mortgage, which is useless without one. Everup does the same cashback job but pays you in cash once you reach ten pounds, or in more gift cards. For renters and anyone mortgage-free, Everup is the better fit.

How do you withdraw money from Everup?

Once you have built up ten pounds in cashback you can withdraw it to your bank, usually quickly, or reinvest it into more gift cards. Below ten pounds it stays as credit towards buying cards. Refunds also come back as gift card credit rather than cash.

Is Everup free, and what are the downsides?

The app is free to use. The downsides are the ten pound withdrawal minimum, refunds returning as credit not cash, and the fact gift cards lack the protection a card payment gives on bigger buys. Keep it for everyday, lower value spending and it works well.

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