All you need to know about receiving your cashback via BACS, PayPal, and gift cards.
Quick Answer
Payment Method | Standard Delivery | First-Time Payment |
PayPal | Same day (by 3pm) | Same day + 48-hour hold |
Gift Cards | Same day (afternoon) | Same day + 48-hour hold |
BACS (Bank Transfer) | 5 working days | 5 working days + 48-hour hold |
M&S Gift Cards | Up to 10 working days | Up to 10 working days + 48-hour hold |
💡 First withdrawal to a new account?
We'll carry out a quick 48-hour security check before we send your payment. This helps us keep your cashback safe. Once that check is complete, future payments to the same account or payment method will follow the usual processing times.
How Payment Processing Works
We process payments every working day (Monday to Friday) on what we call payment run days.
Key rule: To be included in a payment run, your withdrawal request must be submitted by midnight the night before.
Example:
Request on Monday before midnight → We'll process on Tuesday's payment run
Request on Tuesday at 1am → We'll process on Wednesday's payment run
⚠️ Bank holidays: Payments may be delayed when UK bank holidays occur. We'll process your payment on the next working day.
Security Checks for First-Time Payments
To help keep your cashback secure, there’s a 48-hour security check when you use new payment details for the first time.
What triggers a security check:
Withdrawing to a new bank account for the first time
Using a new PayPal email for the first time
Requesting a particular gift card brand for the first time
How long it takes: 48 hours from when you add the payment details to your account.
Example timeline:
Monday 10am: You add new bank details
Thursday 10am: Security check completes (48 hours later)
Friday: Your withdrawal can be processed on the next payment run
After the first payment: All future withdrawals to the same account process at standard speed with no security hold.
Payment Method Details
💳 BACS (Bank Transfer)
Standard delivery: 5 working days after the payment run
How it works:
Day 1: We send your payment via the BACS system
Days 2-5: Your bank processes the payment
Day 5: Funds appear in your account (sometimes earlier)
Requirements:
Bank details must be added to your account at least 48 hours before the payment run (for first-time withdrawals)
Request submitted before midnight the night before the payment run
Example with dates:
Monday: You request a BACS withdrawal (submitted before midnight)
Tuesday: Payment run processes your request
Tuesday-Monday: Bank processes the payment (5 working days)
Following Tuesday: Funds appear in your account
Troubleshooting:
Double-check your account number and sort code in your payment settings
Make sure your bank details exactly match your account name
BACS payments cannot be expedited or cancelled once processed
📧 PayPal
Standard delivery: Same day by 3pm (on the payment run day)
Requirements:
PayPal email must be registered with us at least 48 hours before the payment run (for first-time withdrawals)
Request submitted before midnight the night before the payment run
You may need to accept the payment if:
Your PayPal account is not registered in the UK with GBP as your main currency
You don't have a bank account linked to your PayPal
Why? PayPal requires manual acceptance for payments in currencies you don't hold, or if you don't have a linked bank account.
Example:
Monday before midnight: You request a PayPal withdrawal
Tuesday afternoon (by 3pm): Payment arrives in your PayPal account
Check your PayPal notifications to see if you need to accept the payment
Troubleshooting:
Verify your PayPal email is correct in your Quidco payment settings
Check your PayPal notifications for pending payments
Ensure your PayPal account is in good standing
🎁 Gift Cards (Except M&S)
Standard delivery: Same day in the afternoon (on the payment run day)
Email delivery: All gift cards come from noreply@cashout.quidco.com
⚠️ Important: It's a good idea to add this email address to your safe senders list to avoid missing your gift card.
Requirements:
Request submitted before midnight the night before the payment run
48-hour security hold applies if it's your first time requesting that specific gift card brand
How brand-specific holds work:
You've received Amazon gift cards before → New Amazon request has NO hold
You've never received JustEat gift cards before → First JustEat request has 48-hour hold
Each gift card brand has its own first-time security check
Example:
Tuesday afternoon: You request an Amazon gift card (not your first)
Wednesday afternoon: Gift card arrives in your inbox
Example with security hold:
Tuesday afternoon: You request a JustEat gift card (first time)
Tuesday-Friday: 48-hour security hold
Following Monday: Gift card sent on next payment run after hold expires
Troubleshooting:
Check junk/spam folders first
Add noreply@cashout.quidco.com to safe senders
Wait until the afternoon of the payment run day before contacting support
🏪 M&S Gift Cards
Standard delivery: Up to 10 working days from request
Email delivery: Sent from email@service.marksandspencer.com
⚠️ Important: Add this email to your safe senders list. Resending a lost M&S gift card takes an additional 7-10 working days.
Why longer? M&S gift cards are processed directly by Marks & Spencer, which takes longer than our other gift card options.
Requirements:
48-hour security hold applies for first-time M&S gift card requests
The 10 working days starts AFTER the security hold completes (if applicable)
Example with first-time request:
Monday: You request your first M&S gift card
Monday-Thursday: 48-hour security hold
Friday: Hold expires, card enters processing
Following Thursday (10 working days later): Gift card arrives
Tip: If you need your cashback quickly, consider choosing a different gift card brand or PayPal instead.
Troubleshooting:
Wait the full 10 working days before contacting support
Check junk/spam folders thoroughly
Add email@service.marksandspencer.com to safe senders
Still Waiting for Your Payment?
We know it's frustrating when you’re expecting a payment and it hasn’t arrived yet. Before getting in touch, check that the usual processing time has passed:
- BACS: allow 5 working days from the payment run
- PayPal: wait until 3pm on the payment run day
- Most gift cards: wait until the end of the payment run day
- M&S gift cards: allow the full 10 working days
Remember, working days are Monday to Friday and don’t include UK bank holidays.
If you're past the expected timeframe:
For BACS or PayPal:
Go to your Quidco account payment settings
Double-check your bank details or PayPal email are correct
Verify there are no typos or extra spaces
If details are wrong, update them and wait 48 hours before requesting again
If details are correct, contact our support team
For gift cards:
Check your junk and spam folders
Search your email for "noreply@cashout.quidco.com" (standard gift cards)
Search your email for "email@service.marksandspencer.com" (M&S cards)
Add these emails to your safe senders list
If you still can't find it after 10 working days, contact support for a resend
For M&S gift cards: Note that resending takes an additional 7-10 working days due to M&S processing times.
Frequently Asked Questions
Can I cancel a withdrawal request?
Once you’ve submitted a withdrawal, we can’t cancel it. It’ll continue through the normal payment process.
What if I need to change my payment details after requesting a withdrawal?
If your withdrawal is already in progress, it'll be sent using the payment details you originally selected. Changing your details won't redirect a payment that’s already being processed.
Why do I have to wait 48 hours for new accounts?
It's an extra security step that helps protect your cashback and makes sure payments are going to payment details you’ve added to your account.
Do weekend days count toward processing times?
No. Our working days are Monday to Friday. Weekends and UK bank holidays don’t count towards working-day processing times.
Can I speed up a BACS payment?
Unfortunately not. BACS payments are processed through the UK banking system and the 5 working day timeframe is standard for all BACS transfers.
What happens if there's a technical issue?
We'll notify affected users via email and our help centre if there are any processing delays due to technical issues.
Need More Help?
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Contact support: If your payment is overdue and you've checked all the troubleshooting steps above, please contact our customer support team with:
Your payment method
The date you requested the withdrawal
Your payment details (account number, PayPal email, or gift card type)
We'll investigate and resolve your issue as quickly as possible.