JamDoughnut app overview: – Be Intelligent With Your Money

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We’ve examined the JamDoughnut cashback app

JamDoughnut is a well-liked cashback app amongst Be Intelligent With Your Money readers. It’s barely totally different to different cashback apps, as you earn cashback within the type of factors once you purchase reward playing cards moderately than having to trace particular person transactions. 

We determined to place JamDoughnut to the take a look at to seek out out if this app will actually make you cash in your regular spending.

What’s JamDoughnut?

JamDoughnut is a cashback app the place you earn factors on reward vouchers that you simply purchase by the app, that are then transformed into cashback.

You would possibly consider reward vouchers as one thing to offer as presents — it’s actually within the identify. Nevertheless, on this case, they’re for making your normal, on a regular basis purchases.

This gist is that you simply head out to your chosen store, then once you’re headed to the checkout you purchase a present voucher for the quantity that you simply’re about to spend. 

On the checkout, you scan the barcode inside the app to spend the reward voucher. You get factors on the worth of the reward card, which may then be transformed into cashback. 1 level = 1p, so when you get 1,000 factors, you possibly can money out £10.

What’s cashback

There are two forms of cashback. The one you get from specialist debit or bank cards, and the one we’re speaking about right here – the type of cashback is the place you get a reward for buying from particular retailers by a cashback website. 

There’s rather a lot happening within the background – with the cashback websites and retailers agreeing on offers that enable them each to generate income from the transaction.

Different cashback websites embrace TopCashback, Quidco and Cheddar. In some instances, you may get cashback from transactions made in your debit or bank card in case you hyperlink them up. 

How does JamDoughnut work?

With conventional cashback websites, you click on by to a retailer from the cashback website and make a purchase order. How JamDoughnut differs is that you simply purchase reward playing cards for particular retailers or eating places and earn cashback on the quantity you purchase.

Because of this forward of procuring in-store or on-line, you possibly can seek for a retailer within the app, purchase a present card for the worth of your buy, after which make your buy with the vouchers, which might be discovered within the app. 

In lots of instances, the reward card buy is on the spot, so you could possibly do it whereas standing within the queue. In some instances, it may take a bit longer, which is the place the app might get a bit annoying. 

You’ll immediately earn factors in your buy, which is without doubt one of the greatest advantages of JamDoughnut over different cashback websites. These might be transformed into cashback once you withdraw your factors. 

How a lot cashback are you able to earn with JamDoughnut?

Don’t count on to be raking within the money – this stands for all cashback websites! You will get some good further money in your on a regular basis spending with JamDoughnut – thus far I’ve earned about 80p (plus a £2 welcome bonus) from about £40 of spending I’d have finished anyway. 

Generally cashback quantities are “pumped up”, which suggests they’re briefly greater than normal. For example, once I examined JamDoughnut, Tesco was pumped as much as 4% (cashback is normally 2%). On the time of writing, Nando’s is pumped as much as 9%, whereas it’s normally 7%. This lasts for as much as a day. 

Easy methods to earn much more with JamDoughnut

There are a couple of methods to earn much more cashback with JamDoughnut.

Join your checking account

JamDoughnut pays out extra once you join your checking account with Open Banking. In case your financial institution is on the record, it’s value doing this to get the upper cashback out there. 

Stack cashback

You probably have one, you possibly can double down in your cashback by paying with a cashback card, corresponding to Chase. This implies that you may earn cashback by JamDoughnut and your financial institution. You’ll wish to guarantee your chosen financial institution might be accessed by Open Banking to take advantage of this. 

Simply remember you would possibly get a decrease cashback fee in comparison with utilizing Open Banking connections. As well as, some banks might not pay out cashback on this occasion – it’s value a attempt although, so tell us the way you get on.

As well as, you possibly can attempt stacking cashback utilizing JamDoughnut with different cashback websites. You’ll do that by shopping for a present card by JamDoughnut, then clicking by to the retailer utilizing one other cashback website, corresponding to TopCashback or Quidco, then making your buy with the reward card you got with JamDoughnut.

Nevertheless, cashback websites won’t pay out in case you use a present card. It’s usually listed on the particular service provider pages however not at all times -, so it’s one other one to check out.

Benefit from “pumped up” cashback

JamDoughnut briefly will increase the cashback it pays out on a regular basis — this varies by retailer and modifications each day.  It’s value taking a look within the app to see in case you can take advantage of this. For instance, in case you’re commonly visiting Tesco, you may get your self reward playing cards when it’s pumped up to make use of once you do your grocery store. 

In fact, don’t simply maintain a bunch of cash on reward playing cards – we element the dangers of this extra beneath.

JamDoughnut app manufacturers: the place are you able to save?

JamDoughnut has 157 manufacturers on its app on the time of writing, together with a variety of supermarkets, eating places and vogue manufacturers. Listed below are a few of our favourites, with the cashback quantities on the time of writing in case you use Open Banking to make the acquisition:

Meals out/in Procuring Journey
Nando’s – 7%
Costa – 8%
Turtle Bay – 7%
Pizza Hut – 7% 
Miller & Carter – 8%
Simply Eat – 5%
Uber Eats – 4%
Deliveroo – 4%
Morrisons – 3.5%
M&S – 5.5%
Sainsbury’s – 2%
Tesco – 2.5%
Asda – 2.5%
Apple – 3%
Currys – 4.5%
Argos – 4%
Primark – 8%
Nationwide Categorical – 10%
Lastminute – 4%
Eurostar – 3%
Morrisons Gas – 4%

This record isn’t in depth, and we advocate checking the web site and app to see the present cashback charges as they modify on a regular basis.

How are you going to pay with JamDoughnut?

You’ll be able to pay for reward playing cards utilizing Apple Pay, Google Pay and by linking your checking account to the JamDoughnut app utilizing Open Banking. You’ll get extra cashback once you make the acquisition with Open Banking – that is outlined once you make a purchase order.

Listed below are the banks that assist you to pay by Open Banking:

– Barclays
– Nationwide
– Santander
– NatWest
– Halifax
– Lloyds
– Virgin Cash
– Tesco Financial institution
– Danske Financial institution
– Monzo
– Revolut
– Financial institution of Scotland
– Starling
– Financial institution of Eire UK
– First Direct 
– Royal Financial institution of Scotland
– Chase
– Smart
– Allied Irish Financial institution
– Cashplus
– Ulster Financial institution

I paid with Google Pay on my preliminary take a look at — a rookie error, as I earned much less cashback on the acquisition, however I’ve discovered my lesson.

How do you employ your reward playing cards?

Your reward playing cards are saved within the “Pockets” part of the app, listed underneath “Your energetic prepay codes”. They don’t appear to vanish once you’ve used them — you need to inform the app that you simply’ve used them, so this could be a little complicated in case you use JamDoughnut commonly with the identical retailers. 

To make use of your reward card, all you’ve obtained to do is click on on the retailer and it’ll present the barcode. From my expertise thus far, I’ve been ready so as to add the reward playing cards to Google Pay. There’s no choice so as to add it to every other apps, corresponding to Stocard, however you possibly can take the barcode quantity and manually add it if you wish to. 

If you wish to print the voucher or ship it to a good friend, you possibly can share it through e-mail, textual content and WhatsApp and ship it to your printer. 

You need to use it on-line by coming into the barcode quantity the place there’s a “pay with a present card” choice. It’s possible you’ll want a PIN for this, which can also be on the voucher in your app. 

There are generally restrictions with some reward playing cards – for instance, some can’t be used on-line, some can’t be used in-store and a few should be printed. Within the case of some supermarkets, you possibly can’t use the voucher to purchase gasoline, although Morrisons has a separate “Morrisons Gas” choice in case you do wish to purchase gasoline. 

Are reward playing cards protected?

It’s value noting that reward playing cards aren’t a really safe technique of holding money – in case you have £50 in a Tesco reward card and Tesco go underneath, you’ll possible lose the cash. As well as, reward playing cards are likely to have expiry dates.

You’ll be able to counteract this by ensuring you solely purchase reward playing cards you’ll use in full and don’t hold lots of cashback racked up within the account. We’ve written extra about the dangers of reward playing cards and learn how to keep away from them.

How do you entry your cashback?

When you’ve obtained £10 in your jar, you possibly can withdraw it to your checking account. All you’ve obtained to do is choose “money out” within the “Pockets” part of the app and enter your identify, type code and account quantity. 

JamDoughnut says it’ll take 5 days for the money to succeed in your checking account. 

JamDoughnut referral code

Get £4 for signing up (deal field)

We’ve managed to snag a cheeky boosted welcome supply for Be Intelligent With Your Money readers. You will get £4 further cashback – double the usual welcome bonus.

It’ll be paid as two units of 200 factors once you make your first buy.

The primary 200 factors you get are commonplace for first-time customers of JamDoughnut, whereas the additional 200 factors are for coming by our hyperlink

What’s the JamDoughnut app like?

The JamDoughnut app is very easy to make use of – you possibly can see which manufacturers are “pumped up” and you may get a simple sense of how a lot cashback each can pay out.

The app is cut up into classes, plus you possibly can seek for retailers to seek out what you’re on the lookout for. 

Is JamDoughnut protected?

You’ll be able to pay securely with JamDoughnut, nevertheless the cashback you maintain within the account isn’t safe — if JamDoughnut had been to go bust, you’d lose the cashback. It’s value commonly trying out moderately than letting it rack up – nevertheless, you possibly can solely do that once you hit £10 of earned cashback.

What occurred once I used JamDoughnut

I wished to place JamDoughnut to the take a look at — and actually wanted cat meals — so I made a decision to check out JamDoughnut with a fast journey to Tesco. 

I purchased a £30 reward card inside the app, which was uploaded straight into my Google Pockets, and on the until, all I needed to do was scan it and pay the remaining few kilos.

It was a reasonably easy technique to earn myself 60p, and if finished with the “pumped up” cashback quantities, it might rack up fairly rapidly. I’m fortunate to have all of the supermarkets inside a brief drive of me, which signifies that I might choose the place to do my procuring based mostly on the cashback out there.  

Abstract: is Jam Doughnut any good?

Cashback websites can usually really feel like a bit extra effort than they’re value, however I’ve been pleasantly shocked with JamDoughnut. I’ve managed to earn some cashback with little or no effort and on purchases I’d have made anyway, and it’s prone to be one thing I stick with it utilizing. 

You do should watch out to not overspend simply since you’ve already spent the cash. Present playing cards can idiot you into pondering that your buy is free. 

This may be an effective way to rack up some cashback on spending you’ll do already, particularly in case you can take advantage of pumped-up cashback, stack a number of cashback websites or use it with different offers.

And bear in mind, there are fallbacks. Vouchers might not be out there to spend rapidly sufficient and so they might have some restrictions – so go into this with an open thoughts.

Take heed to Money Chats, Andy’s award-winning podcast. Episodes each Tuesday.

Professionals and cons of JamDoughnut


  • Cashback is on the spot
  • Simple to make use of app
  • Cashback might be “pumped up”


  • It’s dangerous to go away some huge cash on reward vouchers
  • Not all reward vouchers are on the spot
  • A little bit of a faff – particularly in case you’re attempting to make use of it in-store
  • Minimal £10 payout for earned cashback

Steadily requested questions

What are JamDoughnut lives?

Generally Jam Doughnut goes stay by its app to run promotions the place you possibly can earn further rewards in your jar.  

What does Pumped Up imply on JamDoughnut?

Pumped Up is the time period JamDoughnut makes use of to let you recognize the cashback quantity is greater than normal. It’s solely “pumped up” for a brief time period.

Does JamDoughnut have IKEA?

Sure, JamDoughnut does have IKEA on its app. You should purchase as much as £500 in reward playing cards in every transaction. 

Does JamDoughnut have Aldi?

Whereas JamDoughnut has Aldi within the app, there’s not presently any cashback out there for it. It has had cashback out there for Aldi earlier than, so it’s prone to come and go.

Is Tesco on JamDoughnut?

Sure, Tesco is on JamDoughnut! On the time of writing, we examined the app with Tesco, which was “pumped up” to 4% cashback (in case you use Open Banking to make the acquisition – it was 2% in case you used Apple/Google Pay). 


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