We Make Your Life
Less Expensive
Gains app doesn’t just save you money – it helps you make more of it. On average Gains puts £1,091* a year back in your pocket.
Be the first to know when we launch and be entered into a draw to have your food shopping paid for an entire year (plus tons of other amazing prizes!)
Smart insights
Cashback rewards
Budgeting goals
FCA Agent Status – Banking 256-Bit Encryption Level Security
Brought to you by Sammie Ellard-King – Money Content Creator of the Year 2024 (British Banking Awards)
Save 30 mins a week chatting with your money
Chat with your new financial best mate and get instant answers about where your money goes, and how to make it go further. No more boring spreadsheets.
Smart budgeting tools to plan your spending
With smart categorisation and goal tracking Gains helps you feel confident about your finances – improved financial confidence is linked to increased net worth.
Earn on average 7%* cashback on your everyday spending
Get cashback on groceries, clothing, household essentials, travel and more – with offers personalised to where you shop.
See cashback in action
Follow the simple steps to start earning cashback
Step 1: Browse offers
Download Gains and discover cashback offers from your favourite brands
Step 2: Purchase gift card
Buy a gift card for your required amount through secure Open Banking payments
Step 3: Earn cashback
Get to earn instant cashback online or in-store and pay with your gift card
Here’s how much you can save with Gains this year
With Gains you’ll earn cashback every time you spend at all your favourite retailers.
How much do you spend on each of these?
Quick and Secure Payments
Using industry standard Open Banking technology so you can earn rewards with confidence
- 01. Pay securely with any UK bank
- 02. Seamless checkout process
- 03. Buy anytime, anywhere
Frequently asked questions
Got questions? Here are the answers to help you get started with Gains.
Is Gains really free?
Yes! Gains is free to use to access personalised cashback offers, chat with your money, and create custom budgeting plans – with no hidden fees. We do have a premium subscription for extra budgeting tools, more AI usage, and more bank account connections – but these are extras, and not required to use the app. We also earn a small amount on gift card purchases.
How quickly do I receive my cashback?
Cashback is credited to your Gains balance instantly, as soon as the payment for your chosen gift card is confirmed. This is usually within 60 seconds.
How can I withdraw my cashback?
Your cashback can be withdrawn free of charge directly to your chosen bank account as soon as you have reached £10 in earned cashback. You can also use your cashback balance to pay for additional gift cards and make your money go further.
Why do I have to connect a bank account?
With a secure (read-only) bank account connection, Gains analyses your spending and finds you personalised cashback offers to save you the maximum amount per month based on where you’re already spending money. We also find all your recurring subscriptions you might have forgotten to cancel, and other useful features – but we need read-only access via open banking to help you with this.
Is Gains secure?
Gains connects to your accounts through industry standard Open Banking secure technology:
- Gains has the same high standards of security as your bank with 256-bit encryption and 2FA login
- Gains never sees or asks for your bank login details
- We’re registering for FCA agent status through TrueLayer.
What is Open Banking?
Through TrueLayer (our FCA-regulated provider), Gains can safely view your spending history to give you personalised money-saving insights, but we can never move or access your money. Open Banking is like Netflix seeing your watch history to recommend shows. They can see what you’ve watched to make suggestions, but they can’t control your TV. This read-only access lets us analyse your habits and suggest real savings opportunities, like spotting subscriptions you might have forgotten about or finding better deals on your regular purchases. If you’re ever uncomfortable with this, you can revoke Open Banking access at any time.
What devices and regions are supported?
We’re launching on both iOS and Android, and will initially support customers with a UK bank account and UK‑issued debit cards. Support for additional regions may be added in future releases. Join the waitlist to be notified when your device and region are supported.
Is there a minimum or maximum amount for gift‑card purchases or withdrawals?
Gift cards can generally be purchased in amounts from as little as £5 (depending on retailer) up to a higher limit set by the merchant. Cashback is credited instantly and can be withdrawn to your bank once your Gains balance reaches £10. There is no maximum withdrawal cap, and withdrawals are free of charge.