Fresh
Base 5% back
Free the moment you join. Every one of our 340+ partner stores pays out at the standard rate, with no minimum spend to keep it.
The KOIN ladder
Three rungs. Rates that climb with you.
Your tier is based on tracked spend over a rolling twelve months, not on a subscription. Nobody buys their way up the ladder here — you earn it by shopping the way you already do.
Golden
Up to 10% back
Reach £500 of tracked spend and every rate lifts, plus a monthly bonus drop and early access to boosted stores before they go public.
Neon
Up to 25% back
Our top rung: the highest rates we negotiate, priority same-day payouts, member-only market events and a real human on your account.
What the ladder unlocks
Rate is the headline, but the perks are where members tell us the value really compounds.
Monthly bonus drops
From Golden upwards you receive a bonus every month you shop, scaled to your tracked spend. It lands as cash, not as a voucher with conditions attached.
Refer-a-friend coins
Both of you collect £10 once your friend earns their first £5. There is no cap, and referral coins count towards your tier progress like any other earning.
Market events
Neon members get 48-hour windows where a handful of stores pay double. We announce them by email and in-app, never publicly, so rates stay high.
Gift card uplift
Convert your balance into gift cards at up to 12% above face value. Handy in December, and the uplift stacks on top of cashback already earned.
Fair play, written plainly
- Your balance never expires. Not after a year, not after five.
- Your tier cannot drop mid-month, and a quiet month costs you nothing.
- Returned orders reverse only the cashback on the returned items.
- Withdrawals are free, forever, with no minimum threshold.