Overview
With the Accountable Banking Cashback Program, you earn cashback when you pay with your Accountable Banking card. 💳✨
Your cashback is calculated automatically based on your eligible card purchases. The amount you can earn depends on your Accountable plan:
All Accountable Banking users: Earn 0.5% cashback on eligible card purchases, up to €10 per calendar month.
MAX users: Choose one category and earn 5% cashback on eligible purchases in that category, with a combined cashback limit of €25 per calendar month.
Cashback is available for both physical and virtual card payments.
This article covers how cashback is earned, which purchases qualify, how MAX categories work, and when your cashback is paid out.
How much cashback can I earn?
All Accountable Banking users
You can earn:
0.5% cashback
On eligible card purchases
Up to €10 per calendar month
MAX users
As a MAX user, you can choose one cashback category and earn:
5% cashback on eligible purchases in your selected category
0.5% cashback on other eligible purchases
Up to €25 cashback in total per calendar month
The €25 limit is a combined monthly limit for both your regular and boosted cashback.
🛍️ Which purchases are eligible?
Cashback is earned on eligible card purchases once they have been settled.
Both of the following can be eligible:
Payments with your physical card
Payments with your virtual card
Cashback is not calculated while a payment is still pending. It is added once the transaction has been successfully settled.
🚫 Which transactions are not eligible?
The following transactions do not earn cashback:
ATM withdrawals
Gambling and betting transactions
Bank transfers
Direct debits
Fees
Declined transactions
Reversed or cancelled authorisations
🚀 What are the MAX cashback categories?
MAX users can choose one active category:
🍽️ Restaurants
💻 Software
🚆 Transportation
⛽ Petrol
🔨 Construction
📣 Advertising
The 5% cashback rate applies to eligible purchases within your selected category.
🎯 How do I choose my cashback category?
As a MAX user, you can select one active cashback category at a time.
Your selected category receives the 5% cashback rate on eligible purchases.
If you are choosing a category for the first time, the boost starts as soon as your category is selected.
🔄 Can I change my cashback category?
Yes, you can change your category.
If you already have an active category, any change takes effect at the beginning of the next calendar month. Your current category remains active until then.
‼️ You can only have one active category at a time.
⏳ When is cashback calculated?
Cashback is calculated once an eligible card transaction has been settled.
You can see:
How much cashback an eligible transaction has earned
Your cashback activity as you continue using your card
A transaction counts towards the month in which it is settled.
For example, if you make a purchase on January 31 but the transaction settles on February 2, it counts towards your February cashback.
💶 When is cashback paid?
Your cashback is paid to your Accountable Banking balance on the 1st day of the following calendar month.
If the 1st falls on a weekend, the payout is made on the following Monday.
📊 What happens when I reach my cashback limit?
Once you reach your monthly cashback limit, you will not earn additional cashback for the rest of that month.
Regular users: €10 per calendar month
MAX users: €25 per calendar month
Your limit resets at the beginning of every new calendar month. Unused cashback does not roll over.
Terms and Conditions
You can find the full Accountable Banking Cashback Program Terms and Conditions on our website.
Key takeaways
Cashback is calculated automatically by Accountable once a transaction is settled.
Both physical and virtual card purchases can earn cashback.
Cashback rates and monthly limits depend on your Accountable Banking plan: €10/month for all users, €25/month for MAX users.
MAX users earn 5% cashback in one chosen category and 0.5% on all other eligible purchases.
Cashback is paid to your Accountable Banking balance on the 1st of each month.
Need help? Chat with us or email support@accountable.eu, we're happy to help.