Took 3 child tax free savings accounts out for my grandchildren. 1 via Top Cashback and 2 through the Shepherds Friendly website which offered £30 M&S vouchers for new accounts. Top Cashback reward declined and still no sign of M&S cards over 6 months later. With so many similar plans, it is these rewards that swing customers towards your products. To then decline or fail to pay these rewards is underhand and gives me little faith in the honesty of this company. Initially had a response saying to chase Top Cashback which I did, and they have been very helpful, but now cannot reply to the person who initially replied. Hopefully the savings plans pay out when due, although at this time I am considering closing them and opening others with more reputable companies.