# Gains
> “Gains is a free UK money app that combines instant gift card cashback at 160+ retailers with budgeting and money management tools. It was founded in 2025 by Sammie Ellard-King, Chris Barnes and Jamie Dunmore, the team behind the personal finance brand Up The Gains.”

- Canonical entity: https://directory.readyscan.ai/entities/gains-q140450131
- Website listed in the source snapshot: https://gainsapp.com/
- Category: [Businesses](https://directory.readyscan.ai/directory/businesses)
- Machine record: https://directory.readyscan.ai/discovery/entities/gains-q140450131.json
- Material fingerprint: fnv1a64:71fcce0fe1a1f84b
- Entity revision: fnv1a64:98b478e956e29cc2
- Published: 2026-10-21
- Modified: 2026-10-21

## Questions & answers
### [Is Gains really free?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-99884432f95ce514bf69)
“Yes! Gains is free to use to access personalised cashback offers, chat with your money, and create custom budgeting plans – with no hidden fees.”
Sources: https://gainsapp.com/

### [How quickly do I receive my cashback?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-00e6b9d8134e0c98bf5e)
“Cashback is credited to your Gains balance instantly, as soon as the payment for your chosen gift card is confirmed. This is usually within 60 seconds.”
Sources: https://gainsapp.com/

### [How can I withdraw my cashback?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-c1c04b475c3b33133285)
“Your cashback can be withdrawn directly to your chosen bank account as soon as you have reached £10 in earned cashback. You can also use your cashback balance to pay for additional gift cards and make your money go further.”
Sources: https://gainsapp.com/

### [Why do I have to connect a bank account?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-5e26edb9ff21270e415d)
“With a secure (read-only) bank account connection, Gains analyses your spending and finds you personalised cashback offers to save you the maximum amount per month based on where you’re already spending money.”
Sources: https://gainsapp.com/

### [What is Gains App?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-3bae06e73cde71336c6b)
“Gains is a free UK money app that combines instant cashback at 160+ retailers with budgeting and money management tools. It’s built by the team behind Up The Gains.”
Sources: https://gainsapp.com/about/

### [Who founded Gains?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-7d35a400f8c12f8d00aa)
“Gains was founded in 2025 by Sammie Ellard-King (CEO), Chris Barnes (COO) and Jamie Dunmore (CMO). Sammie is the creator of the personal finance brand Up The Gains.”
Sources: https://gainsapp.com/about/

### [Is Gains free?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-5a5809e302dffeb28f5d)
“Yes. Cashback, budgeting and the AI assistant are free to use. Gains Pro is optional and costs £5.99 a month or £49.99 a year for extra bank connections, more AI, longer history, net worth tracking and boosted cashback rates.”
Sources: https://gainsapp.com/about/

### [How does Gains cashback work?](https://directory.readyscan.ai/entities/gains-q140450131#company-answer-content-native-digital-agencies-59f88b27fa3ad0b7-a-92d1d0dceb788ce248af)
“You buy a gift card for your chosen retailer inside the app and earn up to 20% cashback on its value. You then spend the gift card in store or online as normal.”
Sources: https://gainsapp.com/about/

## Company sources
- [Gains website](https://gainsapp.com/) — gainsapp.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-59f88b27fa3ad0b7)
- [gainsapp.com/about/](https://gainsapp.com/about/) — gainsapp.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-26d2626c86970fb1)

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