RUUT

Earn 2% cashback on everyday spending with your RUUT Debit Card.

Full campaign terms and eligibility. Please read the details below before you spend, so you know exactly how the reward works.

Valid until 31 Dec 2026Up to £15 / monthNo minimum spend
RUUT

Earn 2% cashback on everyday spending with your RUUT Debit Card.

Full campaign terms and eligibility. Please read the details below before you spend, so you know exactly how the reward works.

Valid until 31 Dec 2026Up to £15 / monthNo minimum spend
Campaign terms
  • The cashback programme is operated solely by RUUT and that the cashback is not provided, administered, guaranteed or sponsored by Enfuce or Mastercard.
  • With the RUUT Debit Card, you earn 2% cashback on eligible everyday spending, including groceries, dining, transportation, fuel, and retail purchases.
  • The campaign is valid for card transactions made until 31 December 2026.
  • Cashback is capped at a maximum of GBP 15 per customer per calendar month.
  • Cash withdrawals, money transfers, crypto transactions, gambling/betting, investment-related transactions, and similar financial transactions are excluded from the campaign.
  • No minimum spending requirement applies to participate in the campaign.
  • The campaign is applied on a per-customer basis. Transactions made across multiple cards linked to the same customer are aggregated under a single cashback limit.
  • Cashback accruals are credited in a single consolidated payment to the customer's active account during the first week of the month following the month in which the eligible transactions are confirmed and settled by the relevant banking and payment systems. Cashback payments can only be made if the account remains active.
  • Transactions that are refunded, cancelled, subject to chargeback, or reversed are not eligible for cashback. Any previously awarded cashback related to such transactions may be deducted or reclaimed.
  • Transaction eligibility is determined based on Merchant Category Code (MCC) classification and transaction type.
  • The 2% cashback rate applies only to eligible spending in grocery, restaurant, transport, fuel, and everyday retail categories. Eligibility is determined based on MCC information provided by the card scheme.
  • RUUT reserves the right to cancel cashback earnings in cases of abuse, misuse, or any activity deemed inconsistent with the purpose of the campaign.
  • RUUT reserves the right to amend the campaign terms or discontinue the campaign at any time.
Eligible MCCs

Merchant Category Codes covered by the campaign.

Eligibility is decided by the MCC the card network sends with each transaction. The codes below qualify for 2% cashback.

MCCDescription
5411Grocery Stores and Supermarkets
5499Food Markets / Specialty Food Stores / Delicatessens
5812Restaurants
5814Fast Food Restaurants
5541Fuel Service Stations
5542Automated Fuel Dispensers
4111Public Transportation / Urban Transit
4121Taxi and Ride-Hailing Services
Campaign terms
  • The cashback programme is operated solely by RUUT and that the cashback is not provided, administered, guaranteed or sponsored by Enfuce or Mastercard.
  • With the RUUT Debit Card, you earn 2% cashback on eligible everyday spending, including groceries, dining, transportation, fuel, and retail purchases.
  • The campaign is valid for card transactions made until 31 December 2026.
  • Cashback is capped at a maximum of GBP 15 per customer per calendar month.
  • Cash withdrawals, money transfers, crypto transactions, gambling/betting, investment-related transactions, and similar financial transactions are excluded from the campaign.
  • No minimum spending requirement applies to participate in the campaign.
  • The campaign is applied on a per-customer basis. Transactions made across multiple cards linked to the same customer are aggregated under a single cashback limit.
  • Cashback accruals are credited in a single consolidated payment to the customer's active account during the first week of the month following the month in which the eligible transactions are confirmed and settled by the relevant banking and payment systems. Cashback payments can only be made if the account remains active.
  • Transactions that are refunded, cancelled, subject to chargeback, or reversed are not eligible for cashback. Any previously awarded cashback related to such transactions may be deducted or reclaimed.
  • Transaction eligibility is determined based on Merchant Category Code (MCC) classification and transaction type.
  • The 2% cashback rate applies only to eligible spending in grocery, restaurant, transport, fuel, and everyday retail categories. Eligibility is determined based on MCC information provided by the card scheme.
  • RUUT reserves the right to cancel cashback earnings in cases of abuse, misuse, or any activity deemed inconsistent with the purpose of the campaign.
  • RUUT reserves the right to amend the campaign terms or discontinue the campaign at any time.
Eligible MCCs

Merchant Category Codes covered by the campaign.

Eligibility is decided by the MCC the card network sends with each transaction. The codes below qualify for 2% cashback.

MCCDescription
5411Grocery Stores and Supermarkets
5499Food Markets / Specialty Food Stores / Delicatessens
5812Restaurants
5814Fast Food Restaurants
5541Fuel Service Stations
5542Automated Fuel Dispensers
4111Public Transportation / Urban Transit
4121Taxi and Ride-Hailing Services
READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team
READY WHEN YOU ARE

Let's get down to
business

We are making your growth our business. Open an account in minutes and get the tools you need to take payments, manage cash flow, and scale up, all in one place.

Talk to our team

Your business
Your life
Your RUUT.

Your business
Your life Your RUUT

RUUT

The all-in-one financial partner for UK small businesses.

RUUT is a trading name of Is United Payment Systems Limited, a company registered in England and Wales (Company No. 14364087) with its registered office at Kemp House, 124 City Road, London, United Kingdom, EC1V 2NX. Is United Payment Systems Limited is not authorised or regulated by the Financial Conduct Authority (FCA). The RUUT account is issued by Algbra FS UK Limited, which is authorised and regulated by the FCA under the Electronic Money Regulations 2011 (Firm Reference Number 952360) for the issuing of electronic money. RUUT (Is United Payment Systems Limited) acts as a distributor of Algbra FS UK Limited. Your funds are not covered by the Financial Services Compensation Scheme (FSCS). However, they are held in one or more segregated and safeguarded accounts in accordance with the Electronic Money Regulations 2011. This Visa card is issued by Enfuce UK Ltd pursuant to licence by VISA Europe Limited. Enfuce UK Ltd is authorised and regulated by the Financial Conduct Authority, with the Firm Reference Number 993783.

© 2026 RUUT. All rights reserved.Maxi Digital GmbH is a subsidiary of İş United Payment Systems Limited.