CleverBucks earns a commission from partner brands when you choose to spend your savings with them. We don’t make money from you—we make it by helping you get more value from your money. It’s a win-win: brands gain loyal customers, and you enjoy exclusive rewards for planning ahead.

Absolutely. Your money is held securely by our FCA-licensed banking partner and protected by the Financial Services Compensation Scheme (FSCS)—up to £85,000 per person. We partner with a regulated clearing bank to make sure your savings are safe, and your rewards are too.

No, CleverBucks isn’t a bank. We’re a financial technology company. While you can open a dedicated savings account with us, all funds are securely held by our regulated banking partner, who provides the licensed infrastructure behind the scenes.

Yes, with some differences depending on your account type.

With Flexible accounts, your money stays accessible. You can deposit or withdraw freely—until you choose to redeem it with a brand. After redemption, your funds become brand credit and can only be used with that retailer.

With Committed accounts, your deposits are instantly converted into brand e-wallet credit, boosted by CleverBoosts. You can still use the credit for other purchases at the same brand, but going for a smaller item may lower your overall boost.

Need to switch plans? You can request a refund anytime, though a small fee may apply.

No problem. If you return something you’ve purchased using CleverBucks, you’ll receive store credit directly from the brand—just like any regular return. The value stays with you, ready to use for your next purchase at the same store.

Yes, you can switch brands anytime in a Flexible account. When you do, your CleverBoost will update to reflect the new brand’s offer—ensuring you always get the best value. Committed accounts are brand-specific, so those CleverBoosts stay locked in for maximum reward.