Last updated: 9 October 2026

If a charge of around £15 to £18 from “Complete Savings” has turned up on your card statement and you don’t remember signing up, you’re not alone. A new thread on the MoneySavingExpert forum this week describes years of monthly payments that started with one click on a discount banner.

Complete Savings is a paid cashback club. It is legal and it does pay cashback. But the way you join, the way the fee works and the way you get that fee back are all easy to miss. We read its Membership Terms of Service (effective 3 June 2026) and its FAQ so you don’t have to.

Complete Savings at a glance

Detail	What we found
Run by	Webloyalty Sàrl, registered in Switzerland (CHE-344.043.246), Nyon
What it is	A paid membership cashback portal, not a bank or regulated financial product
How people join	A banner shown after buying from a partner retailer
Monthly fee	Not published on the website; members report £15 to £18 a month
Trial	Free trial, length set at sign-up, then rolling 30-day renewals
Online cashback	“Minimum 10%” on the net basket value, capped at £250 a month
In-store cashback	Up to 2%, capped at £20 a month
Fee offset	A Monthly Bonus equal to the fee, if you meet the conditions and claim within 30 days
Trustpilot	3.4 out of 5 from 16,101 reviews (24% one-star)

What is Complete Savings?

Complete Savings is a cashback shopping portal. You log in, click through to a partner shop, buy as normal, and the site passes back part of the commission it earns from the retailer. The FAQ says it covers “over 1000” online retailers.

The difference from free portals such as TopCashback or Quidco is that Complete Savings charges a monthly membership fee. It is owned and operated by Webloyalty Sàrl, a Swiss company, and the terms are governed by the laws of England.

It is not a financial services firm, so there is no FCA authorisation to check and no Financial Ombudsman route. Unresolved complaints go to the Centre for Effective Dispute Resolution (CEDR), according to clause 17.3 of the terms.

How people end up as members

Most members don’t find Complete Savings on their own. The FAQ explains that you join “straight after making a purchase on one of our partner websites” by clicking a banner offering cashback or rewards.

The MSE thread posted on 9 October follows that pattern: the poster says they signed up through a discount pop-up while buying from Plumbase, then paid a monthly fee for several years before noticing.

Two details make this easy to miss:

• The card details are already there. The fee is “billed automatically to your designated payment vehicle”, usually the card you just used.
• The price isn’t on the website. The FAQ question “How much does membership cost?” doesn’t give a figure. It says your Welcome email will include “your trial and ongoing fee”.

Fees: what membership really costs

Because the fee is only shown during sign-up and in the Welcome email, we can’t quote an official price. Members on the MSE forum report £15 to £18 a month. On those figures, a year costs £180 to £216.

After the free trial, the membership renews automatically every 30 days. The terms say Webloyalty must give at least 30 days’ notice before changing the fee.

The Monthly Bonus: how the fee comes back

This is the part most reviews skip. The FAQ says members can earn “a bonus equal to your membership fee” every calendar month. In theory that makes membership free.

In practice there are conditions:

• You must make a purchase at the retailer you signed up through, or meet whatever conditions are in your Welcome email.
• You must claim the bonus on the Earnings page within 30 days of that purchase.
• The bonus is lost if the purchase is refunded or cancelled, or if it was made through an unsupported app.
• Payment then has to be requested on the Payments page and takes up to 10 working days.

So the fee is only “free” for members who shop at one particular retailer every month and remember to claim. Positive Trustpilot reviewers say the same thing: you have to claim back the monthly fee to get value from it.

How much you need to spend to break even

Online cashback is paid on the net value of your basket, which excludes VAT, delivery and other surcharges. On standard-rated goods with 20% VAT, the numbers look like this if you ignore the Monthly Bonus:

Monthly fee	Net spend needed at 10%	Checkout spend incl. 20% VAT	Fee per year
£15	£150	£180	£180
£18	£180	£216	£216

In-store cashback is less generous. Clause 25.2 caps it at up to 2% and £20 a month, so you would need £1,000 of eligible in-store spending to reach the cap.

Cashback features and limits

• Online cashback: “at least 10%” at partner retailers, subject to each retailer’s special terms.
• Monthly cap: £250 across online and in-store combined.
• Withdrawals: once you have £5 or more, paid to your bank within 10 working days of a request.
• Tracking rules: you must start from the Complete Savings site, accept cookies, finish in one session and avoid most retailer apps.
• Returns: cashback is reversed, and can show as a negative balance against future earnings.
• Missing cashback: online claims within 90 days; in-store claims within 30 days.

The FAQ also describes account suspensions for “unusual activity”. Members then have 10 days to send ID, proof of address and bank documents, or the account is closed and the cashback balance forfeited.

Pros and cons

Pros

• Headline 10% online cashback is higher than many free portals
• Monthly Bonus can cancel out the fee for disciplined users
• Cancellation is free and available online, by phone, email, chatbot or post
• 14-day right to a refund of the first fee

Cons

• Price not published on the website
• Most members join through a post-purchase banner, not by choice
• Fee only comes back if you buy from one retailer and claim within 30 days
• Strict tracking rules and a 10-day document deadline if your account is reviewed
• Run from Switzerland, with no FCA or Ombudsman protection

What Real Users Say

On Trustpilot, Complete Savings scores 3.4 out of 5 from 16,101 reviews, with 1,362 posted in the last 12 months. The split is sharp: 54% give five stars and 24% give one star. Trustpilot notes that the company invites its customers to leave reviews.

Happy members say they’ve earned back hundreds of pounds over several years, often on regular shops at a single retailer. Unhappy ones mostly describe charges they didn’t expect, cashback that didn’t track, and refunds that took several calls. A review posted on 9 October complains that supermarket substitutions now cost members their cashback.

How to cancel Complete Savings and get money back

Cancelling is free. According to clause 6.1 of the Complete Savings membership terms, you can cancel:

• online, from your Profile page or the cancellation form
• by email to [email protected]
• by phone on 0800 389 6960 (Mon to Fri 8am to 8pm, Sat 9am to 4pm)
• by post to Complete Savings, PO Box 5305, Lancing, BN11 9WD

Before you cancel, withdraw any cashback balance of £5 or more. Clause 6.3 also stops you rejoining for at least six months.

Refunds

The terms give a refund of the first membership fee on request within 14 days. They don’t promise refunds of older fees. Members who have pushed for more, such as the MSE poster, report being offered a few months first, then more after escalating.

If you never knowingly joined, say so clearly, ask for every fee back, and keep a record. If the reply doesn’t satisfy you, the terms point to CEDR.

Stop the payments through your card provider

You don’t have to rely on Complete Savings to stop the charges. The FCA says your card issuer must stop recurring card payments once you ask, even if you haven’t contacted the business. Ask by the end of the business day before the next payment is due.

Any payment taken after that counts as an unauthorised transaction, and the FCA says your card issuer must refund it immediately. Stopping the payment doesn’t end the contract, so cancel the membership as well.

What changes in January 2027

The government’s new subscription contract rules under the Digital Markets, Competition and Consumers Act come into force in January 2027, according to a Downing Street announcement on 9 August 2026. Firms will have to give clearer information up front, send reminders before renewals, offer a 14-day cooling-off period after a free trial rolls into a paid contract, and make leaving easy.

For memberships like this one, the reminder before a trial converts is the change that matters. Until then, the only reminder you are guaranteed is the Welcome email, which is easy to lose.

Is Complete Savings legit?

Yes, in the sense that it is a real business that pays real cashback under published terms. Thousands of members say it works for them.

But “legit” isn’t the same as “good value”. The fee isn’t on the website, most people join through a banner after buying something else, and getting the fee back takes a qualifying purchase and a claim every month.

Verdict

Complete Savings suits a narrow group: people who already spend at the retailer they joined through every month, shop online through the portal, and will claim the Monthly Bonus without fail. For them, the fee comes back and the 10% cashback is a bonus.

For everyone else, a free cashback site and a cashback debit or credit card will do the same job without a £180 to £216 annual fee. If you’ve found the charge on your statement, cancel, ask for a refund in writing, and tell your card provider to stop the payment.

For more ways to cut what you pay, read our guides to avoiding UK bank fees and stacking cashback apps, and our Payr review for another service where the terms matter more than the headline.

FAQ

Why has Complete Savings charged my card?

You most likely accepted a cashback offer banner after buying from one of its partner retailers. Membership starts with a free trial and then renews every 30 days, billed to the card on file.

How much does Complete Savings cost?

The website doesn’t publish the fee. It is shown at sign-up and in the Welcome email. Members on the MSE forum report £15 to £18 a month.

Can I get a refund from Complete Savings?

The terms give a refund of the first fee if you ask within 14 days. Older fees aren’t guaranteed, but members report getting several months back by asking firmly and escalating.

Is Complete Savings regulated by the FCA?

No. It is a cashback membership run by Webloyalty Sàrl in Switzerland, not a financial product. Complaints go to the company and then to CEDR.

Can my bank stop Complete Savings payments?

Yes. Under FCA rules your card issuer must stop recurring card payments when you ask, and must refund any taken after that.

Is the Monthly Bonus really equal to the fee?

The FAQ says so, but only if you make a qualifying purchase, usually at the retailer you joined through, and claim it within 30 days.

Sources: Complete Savings Membership Terms of Service; Complete Savings FAQ; FCA: recurring card payments; GOV.UK, 9 August 2026; Trustpilot; MSE forum thread.