You know what, when i initially signed up I was dubious and can understand why there are so many bad reviews below. The simple truth is people saw the £16 cash back and clicked without actually reading what they were sihning up for. Whilst sympathetic, its really their own fault for thinking they were getting something for nothing. In all honesty, I absolutly love this service. That is not to say it has been seamless but all in all I have found complete cashback to be both straight forward and through it i have recouped over £200 in cash back. I can see many people complain about the £15 debit, but they give you a £15 cash monthy bonus so the cost is negliable for the savings made. I would really recommend.