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App working again for me, nothing to buy so can’t test that.

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Argos is 3% on Plus and the card has no numbers so I don’t know if it’s the same number as in the app.

If you know an easy way to obtain that info I’ll give it a try.

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App is down for me. I’ve not tried to make any purchases though.

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I do not have Zilch plus but my experience of Zilch and Ocado is this; orders early in 2025 I enabled Zilch for Ocado in the app when I placed the initial order (and took screenshots) and was charged within a few hours of the order being delivered.

Zilch showed it as 0.5% cashback instead of 2%. I raised a ticket and advised Zilch that with most online grocery stores they do not take payment until the day of delivery and the only way I could guarantee the store is enabled in the Zilch app would be to enable it every two hours from midnight until payment is taken. They manually added the extra cashback for me. Same thing happened for a few orders, they showed as 0.5% cashback and after contacting Zilch they added the extra cashback.

I haven’t used Ocado for most of 2025 but placed an order just after Christmas, I enabled Ocado in the Zilch app when I placed the order and when it was delivered a few days later Zilch showed 2% cashback straight away. Maybe the Zilch team have done an update for Ocado? I recommend you take screenshots so that if you do not get the enhanced cashback it will make it easier to show you did enable it when you placed the order.

With regards to self serve petrol pump, this has never worked for me with Zilch, I always get card declined. But, I can pay in kiosk and select Asda/Sainsburys in Zilch app and get 2%.

I have found Zilch does not work well with things which require pre-authorisation such as Uber Eats. Instead of a pre-authorisation charge, full payment is taken which is often a much higher amount due to discount/promo codes and then I have to contact Zilch afterwards to get a refund which requires supplying numerous screenshots and information which I find very tedious and time consuming. The same type of Uber Eats transaction using a credit card I can see the pending charges straight away and within 24 hours it updates with the correct amount taken.

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laughingplace wrote:

Has anyone tried earning PayPal reward points on HMRC spend? Whilst PayPal “debit” card isn’t accepted by HMRC, routing via Curve should do the trick and I don’t believe would count as a Fronted txn given it’s a “debit” card.

HMRC > Curve > PayPal

I have not tried but suspect you cannot add Paypal card to Curve, likewise cannot add Zilch to Curve or things like One4All/Vanilla Mastercard to Curve.

What sort of a mess would it get into if you could to Paypal > curve > Paypal > Curve to infiinity?

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gustavo wrote:

I setup my PayPal debit card yesterday and it asked me for a linked bank account or debit card to fund the card if there was no pre paid credit in my account. I haven’t tried it, but it looks like it would debit my account like currensea or curve. No?

I had the PayPal Business debit card (0.5% cashback) for a while and it worked the same way. Default funding option was PayPal balance and backup Curve card. With that one you didn’t have to use your PayPal balance to get the cashback so it was easy to double dip.

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Argos instant gift cards are 6% discount (not cashback) and Easysaver 7.5% discount on my Rewards Gateway (employee discount website) so worth checking if you have similar as this could work out better than Airtime plus Curve.

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I wasn’t aware of a minimum spend for Curve cash. Have you tried to spend it?

I’m fairly sure I’ve had a sub £1 curve cash spend.

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Don’t you guys have more than one current account? Up to £10k cash deposits per year per institution should not be a problem. Withdraw and deposit at the same ATM takes a couple of minutes.

I only do £1k per month though as that’s the fee free limit for metal.

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roger wrote:

When did curve reduce ATM withdrawal limit for metal card to £500 per month.
Recall it was higher earlier.

They haven’t.

What’s your source?

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PeteM wrote:

So work is moving from Edenred to Reward Gateway, which I believe they’ve bought.

How are the GC discounts on the other side, does anyone know? Should I be stocking up now?

Currently it’s 10% at Greggs and Pizza Express, 7.5% at M&S and 5.5% at Apple, for instance.

It might be different for others on Reward Gateway but mine shows:

Greggs Not available

Pizza Express 10%

M&S 7% and also 7% using easysavercard

Apple Gift card 4%

Sainsbury’s 5%

Asda 4%

Tesco 4%

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dshunter wrote:

Toaster wrote:

dshunter wrote:

Same problem with Amazon. It appears some retailers have stopped allowing everywish as a backdoor to buying a gift card for a ‘rival’. So if you get an every wish gift card at one store, it’ll have Amazon, but not if you buy at, say, currys.

I have been getting everywish in Boots for a few months and only the most recent cards I have not been able to redeem for Asda or Sainsbury’s but I can redeem for Amazon.

There doesn’t seem to be a way to check in advance which retailers will be available other than the few which are printed on the card itself.

Yep. It’s really frustrating. And Amazon recently disappeared from the boots packaging so hoping it is not next to go.

Amazon are not even on the packaging on the ones I have purchased, but then neither are Asda or Sainsburys. If there is a risk of not getting at least one of Amazon, Asda, Sainsburys then I am going to stop getting Everywish as I can generally get decent discounts (and with less hassle) on the other retailers they offer.

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dshunter wrote:

Same problem with Amazon. It appears some retailers have stopped allowing everywish as a backdoor to buying a gift card for a ‘rival’. So if you get an every wish gift card at one store, it’ll have Amazon, but not if you buy at, say, currys.

I have been getting everywish in Boots for a few months and only the most recent cards I have not been able to redeem for Asda or Sainsbury’s but I can redeem for Amazon.

There doesn’t seem to be a way to check in advance which retailers will be available other than the few which are printed on the card itself.

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Anyone had an issue redeeming Everywish in the last week?

I have been using these for Asda and Sainsburys and even though they still show when doing a retailer search on the everywish website, when I input my gift card code and click redeem, ASDA and Sainsburys disappear. I can redeem against other retailers OK but my main use for these is for ASDA/Sainsburys.

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dshunter wrote:

Exactly, although even Sainsbury’s isn’t great. When you have missing items on an online order the correct value is not refunded to the giftcard, which leads to a time consuming phone call every few weeks to get the refund… it’s an issue they know about but have not fixed in over a year.

You’re giving up a lot of your consumer rights for little gain without effort!

Amazon is probably the only one I’d consider less than 10% but that’s hard (not impossible) to get these days.

With Sainsburys I pay a token amount with credit card and the rest with gift cards. When a refund is issued it goes to the credit card. That has been my experience.

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I have had one for a month or so, the 18 months 0% on purchases was my incentive.

Money in the bank earning 5% instead of paying the credit card bill is better than 1% cashback.

Plus I use it behind Zilch and Curve for the extra cashback.

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The billing issue I would say is for a minority of customers, specifically early joiners with SMETS1 meters. People joining November onwards with SMETS2 are getting billed correctly and new customers with SMETS1 are not accepted for TOU tariffs until Tomato have sorted that issue.

Sorry for the thread sidetrack. I thought it worth mentioning Tomato as 5p night rate and a day rate at approx the price cap is pretty good.

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It must vary but people I know who went through the SOLR said it took about a month from the old supplier going bust to them being moved to SOLR and then to their supplier of choice.

It should be faster than that now, and the only unbilled usage will be for the current month.

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Tracey wrote:

Toaster wrote:

I don’t have an EV but my electricity supplier, Tomato Energy, have several time of use tariffs including one with 5p from midnight to 6am, 15p for two hours mid morning, 15p for two hours late evening and about 24p the rest of the time.

No referral scheme.

I nearly moved to TE, but the rates really are so good that I’m not sure how sustainable the company is. I didn’t want to risk the company going bust and ending up stuck while my account transferred.

The switch process is much faster now, I’d expect it to be resolved quickly. Plus, Tomato only take payment for actual usage so you never build up a credit balance.

For me, the saving is worth it.

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I don’t have an EV but my electricity supplier, Tomato Energy, have several time of use tariffs including one with 5p from midnight to 6am, 15p for two hours mid morning, 15p for two hours late evening and about 24p the rest of the time.

No referral scheme.

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Cheers for that, I must have missed that bit in the updates.

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Has the fee free 1k ATM limit on metal always been per calendar month? I’ve only been using it for a few months and could have sworn it was rolling 30 days and today got hit with a £10 fee (2% on £500)

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Rich_A wrote:

Do the £99 Spotify gift cards, giving a year’s subscription, still exist?

I used to buy these a few years ago, but now all I can see for Spotify is ordinary gift cards, and I don’t think they give any annual discount.

Amazon still have them

https://www.amazon.co.uk/Spotify-Premium-Gift-Card-Delivered/dp/B085FMJKL8

but it looks like other retailers are phasing them out in favour of £120 version.

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Steven wrote:

Was thinking of taking advantage of the 12% bonus offer with Gift Card Store but seems like the the maximum amount per voucher is just under £99. Was thinking of taking advantage of the discount to fund the purchase of a Macbook Air for a Christmas present but the thought of having to present 10 or so vouchers at once is putting me off – anyone had any issues with using multiple one4all cards at once? Thanks.

I have used multiple physical cards in one transaction in store without a problem.

E-gift cards on the one4all app I have had issues with selecting the default card, sometimes it works straight away and sometimes not. When it doesn’t work it might take five minutes to fix it by deleting cache/settings, login again, wait for cards to load. If you have 10 cards in the app I can see that being a problem.

If you have an iphone it should be easier as you can add them to apple wallet and there shouldn’t be such an issue with selecting the next payment card.

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andiron wrote:

Toaster wrote:

Same here, tried Argos, Boots and WHsmith and they refuse a physical one4all card to pay for a gift card. Use the app and it’s treated like a regular contactless payment.

I’ve recently been rejected at Boots and Argos while paying with the O4A app..

How/why? Is it before or after the transaction?

Are they looking at your phone screen? They should not be able to tell from their side, it’s just a debit card.

If they are refusing because they can see the app on your phone, get it all setup before hand and turn the brightness down to minimum.