By Chandraketu Tripathi · Updated April 2026 · Fact-checked Consumer · April 2026Complete Savings is one of the UK's most searched consumer services — and one of the most misunderstood. Operated by Affinion International, it is a cashback and discounts membership club that costs £15 per month. Many consumers find themselves enrolled after making an online purchase without fully realising they have signed up to a recurring subscription. Here is everything you need to know.
How Do People End Up Enrolled in Complete Savings?The most common route is via a post-purchase offer. After completing an online transaction with a partner retailer (such as an airline, cinema or retailer), customers are shown an offer for cashback on their purchase — typically £10-£15 back. By entering their email address and clicking through, some customers inadvertently enrol in Complete Savings and find the £15/month charge appearing on their bank statement. Complete Savings is a legitimate service — it is regulated and does provide genuine cashback and discounts. However, the way some customers are enrolled has attracted criticism, and the subscription can be easy to forget until the monthly charge appears. Is Complete Savings Worth £15/Month?Whether it represents value depends entirely on how actively you use it. The cashback rates on online shopping can be competitive, and the cumulative discounts on travel, restaurants and entertainment can exceed £180/year for an active user. For someone who shops online regularly and actively engages with the platform, the membership can pay for itself. For someone who signed up without realising and never uses it, it is money wasted. 💡 If you see a £15 charge from Complete Savings or Affinion on your bank statement and do not recognise it, contact Complete Savings immediately at completesavings.co.uk or via their customer service number. You can cancel at any time and should check whether any refund of unused membership is available under their terms. How to Cancel Complete SavingsYou can cancel Complete Savings by: logging into your account at completesavings.co.uk and cancelling online; calling the Complete Savings customer service team on their freephone number; or emailing their customer service team. It is also worth contacting your bank to block further charges if you have difficulty cancelling directly. ⭐ OUR VERDICT Complete Savings is a legitimate cashback membership — not a scam — but it is often joined without full awareness of the ongoing £15/month cost. If you are actively using it for cashback and discounts, it may represent value. If you joined without realising or never use the benefits, cancel immediately. The best free alternatives for cashback shopping are TopCashback and Quidco, which offer cashback without a membership fee. Frequently Asked QuestionsIs Complete Savings a scam? No. Complete Savings is a legitimate cashback and discounts membership service regulated by the FCA and operated by Affinion International. It is not a scam — however, the way some customers are enrolled via post-purchase offers has attracted criticism, and the £15/month recurring charge can be unexpected for customers who did not fully understand they were signing up. How do I cancel Complete Savings? Log into your account at completesavings.co.uk and cancel online. Alternatively, call their customer service team on the freephone number listed on the website or email them directly. Once cancelled, the monthly charge should stop. You can also contact your bank to block further charges as an additional measure. Can I get a refund from Complete Savings? Refund eligibility depends on the specific terms of your membership and how long you have been a member. Contact Complete Savings customer service directly to discuss your situation. If you believe you were enrolled without proper consent, you may have grounds for a complaint to Complete Savings and escalation to the Financial Ombudsman Service. What are free alternatives to Complete Savings? TopCashback and Quidco are the UK's leading free cashback platforms — both offer cashback on thousands of online retailers with no membership fee. For discounts on restaurants and entertainment, Tastecard and similar services may be worth comparing. These free alternatives typically offer comparable cashback rates without the £15/month commitment. |
Complete Savings Review UK 2026: Is the Cashback Membership Worth It?
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