Complete Savings — how to join & why it now beats NX Rewards
Complete Savings and NX Rewards are the same cashback membership from the same company — but NX Rewards has been quietly stripped of eBay, Argos and its gift cards. Complete Savings still has them. Here's how to sign up free, and the exact rules to keep it net-positive.
You don't need to buy anything. Click through the National Rail booking flow, hit back to the start page, and the Complete Savings pop-up appears. Jump to the steps →
What is Complete Savings — and why pick it over NX Rewards?
Complete Savings is a paid cashback membership operated by Webloyalty — the exact same company behind NX Rewards. They share the same model: a ~£18/month subscription, a 30-day free trial, a monthly bonus that refunds the fee, plus cashback at hundreds of retailers and discounted gift cards.
For most of 2024–2025 the two were near-identical and NX Rewards was the easier one to join. That flipped in 2026. NX Rewards has been removing big-name retailers and benefits — eBay, Argos, Master of Malt and its discounted gift cards have all gone (the One4All 20% deal ends 16 July 2026). Complete Savings has kept eBay, Argos and the gift cards, which is why the r/beermoneyuk community has largely switched to it.
The one genuine catch: Complete Savings is harder to join. There's no public sign-up form — you have to trigger a pop-up at a partner checkout. The good news is there's a free way to do it (the National Rail trick below), so it costs nothing to get in.
If you like this kind of low-effort saving, it pairs well with our bank switching playbook and the full free-money roadmap.
Complete Savings vs NX Rewards
Same company, same price — but the retailer lists have diverged. Here's where they stand in mid-2026.
| Feature | Complete Savings | NX Rewards |
|---|---|---|
| Operator | Webloyalty | Webloyalty (same company) |
| eBay cashback | ✅ Still available | ❌ Removed |
| Argos cashback | ✅ Still available | ❌ Removed |
| Discounted gift cards (One4All 20%) | ⚠️ Still there — but rumoured to end soon | ❌ Ending 16 July 2026 |
| 10% online cashback (Boots, Deliveroo, etc.) | ✅ Yes | ✅ Yes |
| ~2% in-store receipt cashback | ✅ Yes | ✅ Yes |
| Monthly bonus (~£18 back) | ✅ Yes | ✅ Yes |
| Bonus claimed via | The retailer you signed up with | National Express purchase |
| How to join | Pop-up at checkout (free via National Rail) | National Express ticket email link / NX bus app |
| Best for a new sign-up today | ✅ Recommended | Only if you specifically need it |
Retailer availability on both schemes changes frequently — always check the rate is live in your dashboard before clicking through.
How to join Complete Savings — for £0
No purchase required. The trick is to arm the pop-up via National Rail's journey planner, then sign up through a retailer you already use so the monthly bonus is easy to claim.
- 1Free method
Go to National Rail (not National Express)
Complete Savings has no public sign-up form — you have to trigger its pop-up at a partner checkout. The most reliable free trigger is National Rail's journey planner. Note this is National RAIL (nationalrail.co.uk), a different company from National Express.
- Open nationalrail.co.uk/journey-planner
- Search any journey and click through as if you were booking
- You do NOT need to pay — this is just to arm the pop-up
- 2Free method
Go back to the start page — the pop-up appears
After clicking through the booking flow, navigate back to the initial page. The Complete Savings cashback banner pops up. No ticket purchased, nothing paid.
- Click back to the National Rail homepage / start page
- The Complete Savings offer banner should appear
- If it doesn't: disable ad-blockers and allow third-party cookies, then retry
- 3Important
Sign up via a retailer you actually use
The monthly bonus on Complete Savings is officially tied to the retailer you signed up through. So if you do a weekly Asda shop, sign up via Asda's pop-up — then claiming your bonus each month is effortless. (Other members report any receipt works in practice, but don't rely on it.)
- Asda is the easy pick if you do a regular online shop there
- Other confirmed pop-up triggers: Trainline, Deliveroo, Uber Eats (only while your order is 'on the way'), Toolstation (buy a ~15p item), Lookfantastic
- Fill in your details — there's a 30-day free trial before the first charge
- 4Setup
Set a cancel reminder + add your bank details
Complete Savings is a paid membership (around £18/month, the same as NX Rewards) after the free trial. The monthly bonus refunds the fee — but only if you remember to claim it. Add your bank details so cashback can actually pay out.
- Calendar reminder for day 28 in case you want to cancel before being charged
- Add your sort code + account number so earnings aren't stranded
- Whitelist their emails so bonus/cashback messages don't hit spam
If National Rail doesn't pop up
The Complete Savings banner is hit-and-miss by site. Members report it appearing reliably on Trainline, Deliveroo, Uber Eats (only while your order is "on the way"), Toolstation (buy a ~15p item) and Asda. It does not reliably show on National Express, eBay or Argos. Disable ad-blockers and allow third-party cookies.
The monthly bonus — the bit that makes it free
The whole game is claiming back the subscription every month. On Complete Savings the bonus is tied to the retailer you joined through — so set yourself up right at sign-up.
Sign up via a shop you use
Asda is the easy pick — your normal weekly online shop doubles as the bonus claim, so you never make a purchase you wouldn't anyway.
Claim once every calendar month
Log in, upload that retailer's receipt or order confirmation, and the ~£18 fee is refunded. Miss the month and you lose it — no carry-over.
Then the cashback is profit
With the fee neutralised, the 10% online, ~2% in-store and any gift-card discount you grab are all gravy on top.
The honest fine print
Complete Savings is profitable when you run it like a routine. These are the traps that cost people money.
Gift cards may be ending soon
The discounted One4All gift cards are still on Complete Savings, but the community widely expects them to follow NX Rewards and be withdrawn soon. Don't join solely for them.
Miss the monthly bonus, lose the fee
No refund, no carry-over. Calendar-reminder the claim for day 1 of each month, using your sign-up retailer's receipt.
Cashback tracking is unreliable
A meaningful share of clicks don't track — use the website (not apps), allow cookies, and forward the order confirmation to support to claim manually if needed.
Gift cards / codes can void cashback
Paying with a gift card or stacking a discount code often voids cashback or gets it clawed back later. Refunds also claw back the monthly bonus.
Webloyalty's reputation
Complete Savings had its sign-up ads ruled against by the ASA in October 2024 for being misleading — the scheme wasn't banned, but go in eyes open. Customer service is slow.
You can't hold both schemes
You generally can't have Complete Savings and NX Rewards at once, or join one with a recent history of the other. Some sign-ups get banned for trying. Pick one.
Frequently asked
Frequently Asked Questions
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