Cashback is a simple way to boost your pension while you shop. Here's how it works.
The basics
When you shop through Chest, partner brands pay us cashback. We contribute that cashback directly into your pension. It doesn't cost you anything extra – you pay the same price you would normally, and earn a pension boost on top.
How to earn cashback
Browse the Cashback section in the app to see available brands
Select a brand and choose the amount you want to spend
Purchase a Chest Code (a digital gift card)
Use the code to pay in-store or online
Cashback is automatically contributed to your pension
120+ brand partners
We've partnered with over 120 brands across categories including groceries, dining, fashion, travel, and entertainment. Cashback rates vary by brand, typically ranging from 2-15%.
What it costs you
You pay only the face value of the Chest Code. If you buy a £50 code, you pay £50. The cashback comes from the brand's marketing budget, not from you – it's essentially free money for your pension.
When cashback is credited
Cashback is contributed to your pension in weekly batches. Once contributed, it's then invested in your chosen fund, which can take a few additional days. You can track the status of your cashback in your transaction history.
Tax relief on cashback
Cashback contributed to your pension may be eligible for tax relief, just like regular contributions. Basic rate tax relief (20%) is claimed automatically by Chest on your behalf – so if you earn £10 in cashback, it could become £12.50 in your pension.
If you're a higher rate (40%) or additional rate (45%) taxpayer, you may be able to claim further tax relief through your self-assessment tax return.
Still need help?
If you have questions about cashback, contact us at hello@joinchest.com.