# New Cashback Terms is absurd **URL:** \ **Category:** šŸ’” Feature suggestions & ideas\ **Created:** [June 30, 2026, 4:16pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518 "2026-06-30T16:16:07Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Runen](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/runen/32/28255_2.png) [@Runen](https://community.trading212.com/u/Runen)\ **Post date:** [August 2, 2026, 2:41pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/21 "2026-08-02T14:41:07Z")
Itā€™s very unclear. My App says **up to 1.5%** cashback now. with no clear statement as to what the cashback paid actually is. If you click through and read the promo terms, the 1.5% ended on 31 July. It looks like T212 has forgotten that their promo ened to me with no replacement stated. Iā€™d assume that it has reverted to the old 0.5%, but that is my assumption and not a T212 statement. ---
**Author:** ![PStaveley](https://avatars.discourse-cdn.com/v4/letter/p/b3f665/32.png) [@PStaveley](https://community.trading212.com/u/PStaveley)\ **Post date:** [August 2, 2026, 4:06pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/22 "2026-08-02T16:06:54Z")
Did you contact Customer Support to ask them why your subscription was removed? I am sure they could have reinstated it for you if it qualified. 1.5% is the best non-AMEX cashback in the UK. So it is only fair that T212 impose rules as they think appropriate. I am sure that you could get a debit card with no or lower cashback if you cannot meet the conditions. ---
**Author:** ![Robischek](https://avatars.discourse-cdn.com/v4/letter/r/9fc348/32.png) [@Robischek](https://community.trading212.com/u/Robischek)\ **Post date:** [August 3, 2026, 7:08pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/23 "2026-08-03T19:08:41Z")
I as well donā€™t use any of these zoomer streaming services. So I turned on automatic charging of my phone bill to the T212 card and letā€™s see if it will qualify. ---
**Author:** ![stevemcf](https://avatars.discourse-cdn.com/v4/letter/s/ee59a6/32.png) [@stevemcf](https://community.trading212.com/u/stevemcf)\ **Post date:** [August 4, 2026, 8:17am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/24 "2026-08-04T08:17:09Z")
I would be happy to opt in, but the only subscription i have is to spotify, and they cannot accept the trading212 card, so i have just got a chase credit card for 2% cash back ---
**Author:** ![Robischek](https://avatars.discourse-cdn.com/v4/letter/r/9fc348/32.png) [@Robischek](https://community.trading212.com/u/Robischek)\ **Post date:** [August 4, 2026, 5:33pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/25 "2026-08-04T17:33:55Z")
Just for the record, a simple phone bill (provider O2) paid by the T212 card is recognized as a subscription and gets you qualified for cashback. ---
**Author:** ![TeaExpert](https://avatars.discourse-cdn.com/v4/letter/t/db5fbb/32.png) [@TeaExpert](https://community.trading212.com/u/TeaExpert)\ **Post date:** [August 4, 2026, 7:03pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/26 "2026-08-04T19:03:03Z")
Iā€™ve set my mobile phone bill to be paid each month by my T212 card. One payment was made at the end of July, showing as a recurring payment in my list of T212 card transactions. Iā€™m still not having it showing as a subscription, I contacted support and they said it wonā€™t qualify until the next payment has been made. Really not a fan of this new situation. ---
**Author:** ![Runen](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/runen/32/28255_2.png) [@Runen](https://community.trading212.com/u/Runen)\ **Post date:** [August 5, 2026, 3:41pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/27 "2026-08-05T15:41:04Z")
So Iā€™ve just found an email dating from 30th June which explains the current terms: > Weā€™re changing our [Cashback Terms](https://link.news.trading212.com/ls/click?upn=u001.H5e-2F5Lmo-2F95BHm5ESregVObs-2FJkJWH4ApHTOntfjimTIhEwXfyxWFj8-2Bptx8BNjEawcH7M5HOwJzQe8x6y3m5vtT3otcVf3zoOeOmPBx2BABOqX6NrrKFmy0mn0cWcR0opfpIMo-2F3SFvuC-2BscLEgxubqmnsxNgfkfoumLXuSr1BV0yhTviXHmXihzkOjwDYc3j0GHONoGcAzJW5q4i9-2FHhJ8FelZkJhIRlhZ-2FocaG6jqYlsar-2BAhWDgPynyW0wJX5jkfcPy-2FFA0ZzNpr6C-2Brk6GMJlEY3O5eibZP1WD8CQSuNSxEfauPUlDtJg7-2BzCB6IWa1tvKhsuSb7hykai6mjgavoGEuD2WSahS2XxVL6mAD00lylJcKy7BkC25HPRlTHPdBkzXs1jUs4lD12XDtnaM-2FMtMxN3Z07-2FYQLGvwbMs2uNGYMRifN-2FShA7vhTFjbCFM7uX8kIGdITeum02ntu8f7cLOiYFreS7oJMx2AEcNxAPA02Xjf9lgK-2Bkx-2FALzGjFOhf1URQHLh00GW4HRGrIe4hSq3Us831VyzQixGLWs-3DZQ0F_O-2B0X3EQmmkCNypUGkvW87ru6VrJF21x3RBUJE0ComSXCWVASeSf-2BK-2FGmOeuQ3TIE9G-2BjmFU8GJE05lgvfF9KOtILrtuDmXhWZyg64RTp9QChY2TR54nuq-2BXBLVmieoIehrS83T3d57PR8vSIa-2FRnRhzFGC61xjt9xI2fMkvs-2BRQwdZQ8brNYzafeuadC84ZpDLrrA3DmjH2oJvXsEBkUaLt4zAKI2WAaT4zBdrOOlA-2BQmvg1m5fC64mbBtQBUHxPfCnVq-2B5Zy878XC8EkH5ma-2B7byhmdj5hFUY1wvzvql22Gk6Xecrr-2FjNE0suhSV1C8C4zsXibFu0ibtpkY3r9XF-2BuoRCpVeyzdey9tq-2FjEJfL61Ze-2Br61chnl3W1xd5G5P274nFrDsiOd3IMqp4HTMKOXUMn2Ol-2F1XWSXhY1iGQkuP7PSxWIeBZ3-2B5fuW-2FVCl7w7hssLpLc-2BmVXuwoc8l6Fk-2B77lnJJSu9V-2FAnPOL9iEE-3D), which will take effect from 1st August 2026. From this date, your cashback rate will drop to 0% unless you meet both of the new eligibility criteria as set out in the [Cashback Terms\*](https://link.news.trading212.com/ls/click?upn=u001.H5e-2F5Lmo-2F95BHm5ESregVObs-2FJkJWH4ApHTOntfjimTIhEwXfyxWFj8-2Bptx8BNjEawcH7M5HOwJzQe8x6y3m5vtT3otcVf3zoOeOmPBx2BABOqX6NrrKFmy0mn0cWcR0opfpIMo-2F3SFvuC-2BscLEgxubqmnsxNgfkfoumLXuSr1BV0yhTviXHmXihzkOjwDYc3j0GHONoGcAzJW5q4i9-2FHhJ8FelZkJhIRlhZ-2FocaG6jqYlsar-2BAhWDgPynyW0wJX5jkfcPy-2FFA0ZzNpr6C-2Brk6GMJlEY3O5eibZP1WD8CQSuNSxEfauPUlDtJg7-2BzCB6IWa1tvKhsuSb7hykai6mjgavoGEuD2WSahS2XxVL6mAD00lylJcKy7BkC25HPRlTHPdBkzXs1jUs4lD12XDtnaM-2FMtMxN3Z07-2FYQLGvwbMs2uNGYMRifN-2FShA7vhTFjbCFM7uX8kIGdITeum02ntu8f7cLOiYFreS7oJMx2AEcNxAPA02Xjf9lgK-2Bkx-2FALzGjFOhf1URQHLh00GW4HRGrIe4hSq3Us831VyzQixGLWs-3DXB-a_O-2B0X3EQmmkCNypUGkvW87ru6VrJF21x3RBUJE0ComSXCWVASeSf-2BK-2FGmOeuQ3TIE9G-2BjmFU8GJE05lgvfF9KOtILrtuDmXhWZyg64RTp9QChY2TR54nuq-2BXBLVmieoIehrS83T3d57PR8vSIa-2FRnRhzFGC61xjt9xI2fMkvs-2BRQwdZQ8brNYzafeuadC84ZpDLrrA3DmjH2oJvXsEBkUaLt4zAKI2WAaT4zBdrOOlA-2BQmvg1m5fC64mbBtQBUHxPfCnVq-2B5Zy878XC8EkH5ma-2B7byhmdj5hFUY1wvzvql22Gk6Xecrr-2FjNE0suhSV1C88jMDmVa4G-2FHqFvL3JUZQH-2BeOQIfd74c0N-2BWg6BbojstkrWJlFhvvzYapzXc4Pxm-2BaxH9xAKyhiJULXK0heozXavRngyIL7TmPwG21xIXegWcf-2Fy6SfOGqjZKYvnkJ6-2FnL8EOdvti7sOeMaAlSxWqAAhUUrEXyvEGBBP6gfO5HKo-3D): > Have an active Eligible Subscription processed via your Trading 212 Card, and > Activate the Invest Cashback feature in your account > Until 1st August 2026, youā€™ll continue to earn your current cashback rate, including any Cashback Promotional Rate you may currently be benefiting from, which will remain in place until the end of the promotional campaign period (31st July 2026), as long as you remain eligible for it. After 1st August 2026, your cashback rate will drop to 0% if you donā€™t meet both of the above eligibility criteria I confirm that I am continuing to receive 1.5% cashback. For those who seem to be in a panic about having a qualifying subscription, it is really quite easy. A basic Ā£1.99 monthly Google or Microsoft subscription counts. My Amazon Prime (which is yearly) seems to have been logged and counts. Basically any regular payment for anything seems to be picked up and counts so long as it is regular and is for the same amount each time. ---
**Author:** ![Egor](https://avatars.discourse-cdn.com/v4/letter/e/6de8d8/32.png) [@Egor](https://community.trading212.com/u/Egor)\ **Post date:** [August 6, 2026, 6:52am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/28 "2026-08-06T06:52:42Z")
What are the conditions for receiving 2% cashback? ---
**Author:** ![Runen](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/runen/32/28255_2.png) [@Runen](https://community.trading212.com/u/Runen)\ **Post date:** [August 6, 2026, 10:28am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/29 "2026-08-06T10:28:17Z")
From what I see, quite alot: ā€œChase current and saver accounts required. Make 15+ payments per month using your debit or credit card and/or Direct Debits and maintain Ā£1,000+ across your savers (excluding round-up accounts).ā€ The detail is Ā£1000 in their saver account which pays only 2.23% gross. What you gain on the card you are likely to lose on the savings account. ---
**Author:** ![Wizcat](https://avatars.discourse-cdn.com/v4/letter/w/ba9def/32.png) [@Wizcat](https://community.trading212.com/u/Wizcat)\ **Post date:** [August 10, 2026, 7:44am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/30 "2026-08-10T07:44:05Z")
Has something changed now? I came to realise recently that my account did not qualify for cashback ā€˜because I had no subscriptionsā€™ when I missed a large chunk of cashback on somethings I recently purchased. But today I see itā€™s suddenly happy that my yearly Amazon Prime payment is a subscription, and that my Microsoft Azure subscription (which changes value slightly month to month based on usage) also qualifies ā€¦ And then it lists a bunch of other subscriptions which have lapsed, such as my purchase from Greggs when I go to the monthly office day šŸ˜‚ Which is quite apt, because it seems this method of detecting subscriptions feels a bit flaky ---
**Author:** ![lloydbayliss](https://avatars.discourse-cdn.com/v4/letter/l/edb3f5/32.png) [@lloydbayliss](https://community.trading212.com/u/lloydbayliss)\ **Post date:** [August 10, 2026, 11:13am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/31 "2026-08-10T11:13:15Z")
Donā€™t get too used to it - once youā€™ve been there for a while, you get absolutely nothing šŸ˜” ---
**Author:** ![Wizcat](https://avatars.discourse-cdn.com/v4/letter/w/ba9def/32.png) [@Wizcat](https://community.trading212.com/u/Wizcat)\ **Post date:** [August 14, 2026, 10:10pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/32 "2026-08-14T22:10:25Z")
And now itā€™s decided that actually no, I donā€™t have any qualifying subscriptions again, so has dropped me out of cashback again šŸ¤¬ The cashback on spend was a massive incentive for me to dunk a lot of money into this account. If itā€™s not reliable anymore then Iā€™ll likely move elsewhere. Very annoying ---
**Author:** ![PStaveley](https://avatars.discourse-cdn.com/v4/letter/p/b3f665/32.png) [@PStaveley](https://community.trading212.com/u/PStaveley)\ **Post date:** [August 15, 2026, 9:06pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/33 "2026-08-15T21:06:36Z")
In case it helps people, I have noticed that in the Invest Spending Pot screen below ā€˜Your cardsā€™ is ā€˜Subscriptionsā€™ and that lists the payments which are considered to be subscription. For me they are Youtube (Premium) and Ancestry. ---
**Author:** ![QYvO](https://avatars.discourse-cdn.com/v4/letter/q/ac8455/32.png) [@QYvO](https://community.trading212.com/u/QYvO)\ **Post date:** [August 16, 2026, 11:42am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/34 "2026-08-16T11:42:01Z")
Yesterday was my fist time making a card payment with another card than my trading212 card since i got it a year ago. I do not have monthly subscriptions, so no cashback. So i will be using another card that does have cashback. Still do not understand why this stupid restriction has been implemented. ---
**Author:** ![PStaveley](https://avatars.discourse-cdn.com/v4/letter/p/b3f665/32.png) [@PStaveley](https://community.trading212.com/u/PStaveley)\ **Post date:** [August 16, 2026, 11:53am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/35 "2026-08-16T11:53:53Z")
I accept what you say, but it must be unusual for someone not to have any sort of subscription. Monthly utilities, telephone and broadband charges will all count. However, I fully understand that many of those organisations insist on bank transfers rather than on a debit/credit card. If you have found a card that is not AMEX and gives more than 1.5% cashback they well done. We (consumers) must always shop round to find the best deals that personally suit us. I often make payments using another card because I have maximised the Ā£15 T212 cashback so I am better-off using a normal credit card and earning interest on an interest-free loan from the credit card. ---
**Author:** ![QYvO](https://avatars.discourse-cdn.com/v4/letter/q/ac8455/32.png) [@QYvO](https://community.trading212.com/u/QYvO)\ **Post date:** [August 16, 2026, 11:58am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/36 "2026-08-16T11:58:53Z")
Its like you said, they do not accept card payments. And yes, my financial situation is a bit abnormal as i am relatively young and because of the housing market i still live with my parents. None of this takes away from my point that it is a stupid restriction. ---
**Author:** ![Mac\_Nugget](https://avatars.discourse-cdn.com/v4/letter/m/e47774/32.png) [@Mac\_Nugget](https://community.trading212.com/u/Mac_Nugget)\ **Post date:** [August 18, 2026, 9:21am UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/37 "2026-08-18T09:21:42Z")
Me too, only used the card for the 1.5% pointless now. And donā€™t have any subscriptions, or need any. ---
**Author:** ![OTouroCaribenho](https://avatars.discourse-cdn.com/v4/letter/o/ee59a6/32.png) [@OTouroCaribenho](https://community.trading212.com/u/OTouroCaribenho)\ **Post date:** [August 21, 2026, 4:26pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/38 "2026-08-21T16:26:50Z")
Trading212 reducing the quality of their product slowly. Whoā€™s going through all this for a measly 1.5% cashback capped at Ā£15. Etoro offers between 3 and 4% and the cap is higher. ---
**Author:** ![Runen](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/runen/32/28255_2.png) [@Runen](https://community.trading212.com/u/Runen)\ **Post date:** [August 21, 2026, 5:59pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/39 "2026-08-21T17:59:01Z")
The special offer that expires 30 Sept? I wonder what eToro will offer after that? You also need $50K in your account to qualify for Platinum+ membership to qualify for 4% ---
**Author:** ![Runen](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/runen/32/28255_2.png) [@Runen](https://community.trading212.com/u/Runen)\ **Post date:** [August 30, 2026, 5:50pm UTC](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518/40 "2026-08-30T17:50:21Z")
For those who seem to have trouble meeting the terms of a regular payment to meet the cashback terms. I have been talking with my son who works in the financial services industries and he has shed some light on the situation. Whenever you make a card payment, the payment processor (Paynetics in the case of T212) collects more information than is printed on your card. Specifically, it collects how the card is used when payment is made. This could be contactless, chip and pin, entered on a website or a saved card on a website. The key apparently is to **save the T212 debit card on a website** and to make the purchase from that the card saved on the website. Knowing that now and looking at my many ā€˜subscriptionsā€™, this will be why Amazon appears so many times. A card just entered on a website at the time of purchase will not be counted. So if you are living at home with your parents (as my son is) you should be able to claim the cashback quite easily as he does. For a young person living at home a monthly Microsoft XBOX game pass or Google Play pass will do the trick. [Previous page](https://community.trading212.com/t/new-cashback-terms-is-absurd/92518.md?page=1)