Lately, you have heard a lot about some initiatives that allow you to save, or rather, to get a refund after the purchase of products, such as the well-known State Cashback, which allows you to get a refund every time you make a purchase. in a physical store and pay with electronic money. However, you still haven’t been able to participate in a program of this kind because you are not a great technology expert and it seems to you a complicated procedure: you can fix it immediately, just by reading this tutorial.
In the following lines, in fact, I will explain how to pay with cashback, thus being able to take advantage of a refund of money against an expense with the tools made available both by the Government and by some private companies that work in agreement with commercial activities throughout Italy. Generally, the procedure for validating transactions, in order to obtain a refund percentage on them, goes through an app, so you will need to have your smartphone or tablet at hand.
You really don’t want to waste any more time. Also because, you know, time is money! So, make yourself comfortable and cut out just a few minutes of time: read what I have to tell you and you will be able to join the State Cashback and / or other types of cashback in a very simple way. I wish you happy reading and I wish you a big good luck for everything!
Index
- Preliminary information
- State cashback
- How to pay with IO cashback
- How to pay with cashback without the IO app
- How to pay with cashback in stores
- How to pay bills with cashback
- Other cashbacks
- Satispay
Preliminary information
Since there is a lot of talk about cashback , it is worth shedding light on the subject, explaining what it is and analyzing the differences between the different types of refunds that can be obtained, especially for purchases of goods in physical stores.
Regarding the definition of cashback, it is a system capable of obtaining the customer a refund of money in relation to a specific expense made. Many realities already offer this type of promotion, to increase sales: there is usually a regulation that establishes what is to provide the refund, for example the criterion of buying new products returning the same type of old ones or making the credit card payment, and so on.
Having clarified this, as you probably know, the State Cashback has been active since the end of 2020 , which allows citizens to obtain a refund of € 300 per year for purchases made at physical stores and paid with electronic money , i.e. payment methods. traceable that are made without using physical coins or banknotes, such as credit / debit cards , prepaid cards , ATM and payment apps.
It should be noted that, to reach the total sum to obtain the State Cashback, it is necessary to make at least 50 electronic payments per semester , from which expenses for business, art and profession are excluded, with a maximum return of 10% to single transaction , calculated on a maximum of € 150 .
The refunded money is credited directly to the user’s account, who will have taken care to register the tool used to make payments in the shops within the IO app of the Public Administration, available on both Android and iOS . The latter provides, for access, the use of the SPID or the CIE (Electronic Identity Card) . But in reality it is also possible to avoid the IO app and join the State Cashback by using the apps of some electronic accounts (which I will tell you more about later).
To know all the details of the state initiative, I strongly suggest you read my guide on how the Government Cashback works .
In the following paragraphs, however, you will find out how to take advantage of cashback, including cashback independent from that of the Government , with the possibility of paying in stores using your smartphone directly.
State cashback
To begin, I will explain the ways you have to join the State Cashback , both using the IO app, and with the electronic accounts apps, so you can have a complete overview of the possibilities available to you.
How to pay with IO cashback
I would like to specify that, if you are wondering how to pay with IO cashback , you do not have to do anything when purchasing a product in a physical store. You only have to act first, by going to download the app, logging into it and adding the electronic payment methods you wish to use to participate in the initiative (plus the IBAN of the account on which you intend to have the cashback credited) .
To proceed, therefore, you must download the IO app and access it with SPID or CIE according to the instructions provided in my guide on how the IO app works .
Once this is done, when you find the main screen of the app on the display, first tap on the Wallet item , which you find in the menu at the bottom of the display and then on the Cashback item ; then tap the Activate cashback button . Read the instructions, check the authorization requests and select the item I declare .
You should be asked to enter the IBAN code on which you wish to receive the cashback credit: for this purpose, if you have difficulty, read my guide on how to enter the IBAN on the IO app .
At this point in the configuration, to register one of your credit cards, choose the Add a method item and select the type of card to register . Consult this link to find out the list of all payment methods accepted on the IO app. Once the payment method has been added, tap the Save button , activate the switch located near the card name and, finally, tap the Continue and Activate items .
Good job! You have activated the State Cashback and, every time you make a payment in a physical store, the transaction will be considered for the purposes of the refund. If you want to check the status of your cashback, log back into the IO app , tap on the Cashback item and then on the Transaction detail option .
How to pay with cashback without the IO app
If you prefer to use another method than what has been described so far, perhaps because you do not have the SPID or CIE credentials, necessary tools to access the state public services app and you are wondering how to pay with cashback without the IO app , know that you have many possibilities of choice in this regard.
For example, you can open an online account (or use the one you already have active) on some accounts associated with prepaid cards that can be opened and managed directly from the app, such as HYPE (available on Android and iOS / iPadOS ): a coin account to which a prepaid card of the Mastercard circuit is associated. It offers various plans: Start has no annual fee, while the Next one costs € 34.80 per year and the Premium one provides for an annual cost of € 118.80 . More info here .
Accessing cashback with HYPE is very simple: start the app and from the main screen of your account, select the Menu item , then the Cashback item and the Status Cashback option , then tap on the Continue item and activate the lever next to the wording indicating your account. At this point, choose the Connect account and then Connect options in sequence , so you will have activated the refund proposed by the Government, with your HYPE card or by registering another one.
But it does not end here: with HYPE, by going to the Offers section of the app, you can also decide to accumulate a profit of up to 10% of an expense made on one of the shops indicated in the Shop section which, unlike those valid for Cashback state, this time they are online e-commerce .
More information on HYPE
Another Smart account through which it is possible to take advantage of cashback is Flowe , which can be associated with a card belonging to the Mastercard circuit, of a virtual or physical type : the latter very particular, that is made of wood, to meet the increasingly unavoidable need of environmental protection. Normally the cost of the wooden card is 15 € but if you enter the code ARANZULLA during registration, you will get the wooden card for free!
Flowe allows you to open an online account by choosing between two plans: the one called Fan , without fee, with Italian IBAN and free ATM withdrawals in euros; and the Friend one , at a cost of € 10 per month , without permanence restrictions, with free withdrawals from ATMs in any currency and auto-top-ups from other cards at no cost.
Flowe is available as an app for Android and iOS / iPadOS . To use it to claim the State Cashback without the IO app, you can use the Money> Cashback menu and, once here, in the State Cashback tab , select the Earn button . If you have already registered your Flowe card or other cards still on the IO app, you will be able to view the cashback accumulated by all these financial instruments conveniently also on the Flowe app itself.
In addition, Flowe offers “its” cashback on online purchases involving over 700 selected brands. I’ve better explained how Flowe works in my dedicated tutorial.
Learn more about Flowe
You may be surprised to learn that there are so many ways to access State Cashback without the IO app . In addition to the use of HYPE and Flowe online accounts, I also point out those of Enel X-Pay (in this regard, read my tutorial on how to obtain State Cashback without SPID with Enel X-Pay ), buddybank , N26 and Satispay , for which I refer you to the guide on how to get the State Cashback without SPID with Satispay . All, in a more or less similar way, allow you to activate the reimbursement activated by the Government within their apps, avoiding the user the procedure foreseen by the IO app.
Finally, know that if you are a Poste Italiane customer and are wondering how to pay with BancoPosta cashback , you will find the information you are looking for by reading my guide on how to activate the BancoPosta app .
How to pay with cashback in stores
Now that you have had the opportunity to choose which financial instrument to take advantage of state (and other) concessions, perhaps you are left with the doubt on how to pay with cashback in stores .
Just to clarify, the reference “with cashback” simply means “how to pay by receiving cashback”. There is no need to do any particular operation : after registering the payment method on an app that enables reimbursement, simply use the latter to pay for purchases made at physical stores, according to the specific procedures of the method itself (e.g. POS for cards or smartphones for payment apps).
To subsequently check that the transactions have been recorded correctly, you can use the appropriate menu of the IO app or that of the app related to the online account you are using. Keep in mind that it may take a few days before you can see the amount of cashback for each individual transaction.
How to pay bills with cashback
So far I have told you about the State Cashback and that proposed by some financial services on products associated with them, but you know that you can get the famous 10% refund even on the payment of bills, car tax, postal bills. and even on fines? In the next few lines I will explain just how to pay your bills with cashback , which I already know you will appreciate for sure.
As mentioned, the State Cashback is valid for the purchase of goods in physical stores, therefore, how can bills also be included in this category? Very simple: their payment must take place at a physical place , easily identifiable with the counter of a post office , or with a Sisal or Lottomatica partner shop , as are most tobacconists , by means of a credit card or the service of electronic money registered with the IO app , or other valid app for obtaining cashback .
Other payment solutions, such as bills domiciled on the current account, will not be valid for the purpose of receiving the reimbursement. For more information, read the FAQ of the IO app , also valid for the other applications with which you can take advantage of the State Cashback.
In short, as you can see, it is very easy to get cashback even on the costs of domestic users and various taxes.
Other cashbacks
The ways to save, by having a percentage of the money spent during purchases returned, are different, in fact, in addition to the State Cashback, you can also take advantage of other cashbacks , such as those illustrated below.
Satispay
Among the most convenient services to pay with cashback and more, I would recommend Satispay : the app through which it is possible to connect the current account to an online account , without costs and in such a way as to carry out all types of payment.
With Satispay you can always keep your expenses under control, choosing a weekly amount to be allocated to purchases both online and in Satispay affiliated physical stores , i.e. that allow you to pay via the app itself from your smartphone or tablet or with QR Code , upon payment. bulletins , including those of PagoPA, car tax , as well as to receive or send small cash gifts to relatives and friends.
But that’s not all: with Satispay you can also take advantage of a sort of virtual piggy bank, which allows you to receive a cashback with immediate credit , of a certain variable percentage, at the conclusion of each transaction with the service. You can take advantage of this benefit by accessing the app’s Savings feature . Warning: this type of reimbursement is different from the State Cashback , it is a Satispay initiative which, however, works in your favor.
Most likely at this point you will want to download the Satispay app and configure your online account: download Satispay and use the promo code ARANZULLA to get € 5 as a bonus on registration! To do this, go to the Google Play Store (if your device is based on Android) or to the App Store (if you use an iPhone or iPad).
To know all its potential and opportunities, as well as how to configure the various aspects of the account, carefully read my guide on how Satispay works and consult the Costs page on the official website, to see that the only € 1.00 commissions are applied payment of bulletins, car and motorcycle tax from the app and PagoPA notices.
Since we are talking about how to pay with cashback, I’ll briefly explain how you can take advantage of Satispay cashbacks.
As for joining the State Cashback with Satispay , just access the app, tap the Services icon at the bottom of the main screen, and in the next one select the State Cashback item , then tap the Activate button cashback .
If, on the other hand, you want to obtain the type of cashback offered by Satispay (with immediate refund after each purchase), log in to the Satispay app, then select the Stores icon and scroll through the list of activities near you that offer a cashback.
Choose the activity and service that interests you, then at the time of purchase enter the amount you spend in the dedicated space: you can directly read how much the refund you will get by paying that amount will be. Press the Enter key and, after paying the cost, tap the Profile icon in the menu at the bottom of the display: you can read the credited amount , which will already be available to be reinvested immediately.
If these are the most classic types of cashback that can be subscribed, with Satispay you can also take advantage of the cashback on the first purchase made at a given store, or of the incremental cashback , of an increasing percentage with each new transaction. For more information, read the Satispay help center guide on cashback types
