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Cheddar

Entidad de pago · Reino Unido

Acerca de la empresa

Razón socialCheddar Payments Limited
Año de fundación2020
Sede / país de registroLondon, United Kingdom
Sitio webcheddar.me
Última comprobación08.10.2026

According to its official website, Cheddar is a cashback app for individual users in the United Kingdom. Users pick one of more than 100 retailers such as Tesco and Nike in the app, pay from their bank account and use the digital gift card in store or online; cashback is added to the balance at the moment of purchase and can be withdrawn to a bank account free of charge from £5. The site says it has more than 250,000 users and won Best App at the Open Banking Expo Awards and Best Newcomer at the British Bank Awards. Cheddar is the trading name of London-based Cheddar Payments Limited, registered in England and Wales (12895809); according to Companies House the company was incorporated in 2020. The site says the company is authorised and regulated by the FCA and gives FRN 921657; that number was not found in the FCA register, where the company is listed under FRN 940075 with payment initiation and account information permissions. This information is the company's own statement.

Datos de la cuenta

TIPOS DE CUENTAPersonal
DEPÓSITO MÍN.Not stated
PLATAFORMASMobile app
PRODUCTOSCashback digital gift cards · Open banking payments · Cashback withdrawal to a bank account

Licencias y regulación

FCA (Reino Unido)

N.º de licenciaFRN 940075
Titular de la licenciaCheddar Payments Limited
AlcanceListed in the FCA register as an Authorised Payment Institution under Cheddar Payments Limited (FRN 940075) since 27 Jul 2021. It holds payment initiation and account information service permissions.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: mayo de 2023 – octubre de 2026

  • Retiros y pagos: 10
  • Otros: 6
  • Préstamos y tarjetas de crédito: 3
  • Bloqueo y congelación de cuentas: 3
  • Atención al cliente: 1

MEDIO — NIVEL DE QUEJAS

El 55 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Retiros y pagos: Medio · Otros: Alto · Préstamos y tarjetas de crédito: Alto · Bloqueo y congelación de cuentas: Medio · Atención al cliente: Bajo

FUENTES CONSULTADAS

The complaint distribution is based on the 1-star reviews on Cheddar's Trustpilot page (23) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Cheddar name are left out. Across the complaints, gift cards that did not work and delayed refunds, cashback and offers tied to a referral requirement, and identity verification requests stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresacheddar.me — homepage (how it works, FAQs) and footer
Registros del reguladorFCA — Cheddar Payments Limited, FRN 940075 (register.fca.org.uk); FRN 921657 given on the site was not found in the register
Registro mercantilCompanies House — CHEDDAR PAYMENTS LIMITED, company no 12895809, incorporated 22.09.2020
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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