Always use the right card.
Earn what you're already missing.
Toro nudges you at 120+ UK shops with the best card before you tap. Switches your energy and broadband for cashback. Optimises your crypto card spend. UK households leave £1,300 a year on the table — from wrong cards and zero rewards on bills. Rewards4All fixes both.
The only app that covers crypto card rewards too
7.4M UK adults own crypto cards (Crypto.com, Coinbase, Wirex, Nexo). Toro tells them exactly where their card earns most — then lets them spend those earnings in our Rewards Store. No other UK app does either of these things.
Crypto Card Optimisation
Hold a Crypto.com Visa, Coinbase Card or Wirex card? Toro knows every earn rate, every bonus category — and nudges you exactly where your crypto card earns most, just like it does for traditional cards.
Crypto Rewards Store
Redeem your crypto card earnings for gift cards at 5% discount — powered by Tillo and Coinbase Commerce. 50+ UK retailers including Tesco, Amazon and M&S. Closed-loop ecosystem no other rewards app has built.
One Unified Dashboard
Traditional card cashback, bill switching earnings, and crypto rewards — all in one balance view. Total earned, pending, and available to spend. The full picture of every reward you've earned.
7.4M UK crypto owners. Zero existing products that optimise their card spend or let them redeem earnings for real-world value. First mover advantage is wide open.
UK households leave £1,300 a year on the table
£500 from tapping the wrong card at the till. Another £800 from earning zero rewards on £2,500 of essential bills — energy, broadband, mobile, insurance. Two solvable problems. One app.
Earn cashback on your essential bills
Energy, broadband, mobile and insurance providers pay acquisition commissions when you switch. Toro finds you the best deal — and passes 70% of the commission back to you as cashback. The provider funds it. Not us.
No UK app does this. Sprive proved UK consumers engage deeply with bill-linked rewards — they raised $7.3M for mortgage overpayments alone. Toro covers every essential bill.
Three taps. Then it just works.
Add your cards
Pick from the UK catalogue — Amex, HSBC, Chase UK, Barclaycard, Virgin, John Lewis, and more. No card number required.
Grant location "Always"
iOS Core Location geofences 120+ UK retailers on-device. Zero battery impact, zero data sent to us.
Get nudged, earn more
Walk into Tesco, your phone buzzes: "Use your Amex Gold — £3.20 back". Tap the right card. Done.
Works with the cards you already have
Personal cards from every major UK issuer, plus the full challenger bank lineup.
Nudge fires at the brands you love
Every major grocer, coffee chain, petrol station, airport, and dining chain — from Currys to Costa, Boots to Amazon. The app carries the whole catalogue on-device. No network needed when you walk in.
+ 110 more UK brands including M&S, Asda, Lidl, Starbucks, Pret, Wagamama, Pizza Express, Superdrug, Heathrow, PureGym and more.
Small taps. Real money.
Questions worth asking
What is Toro?
Toro is Rewards4All's built-in AI assistant. Ask it anything about card rewards — "which card earns most at Deliveroo?", "is the Amex Gold worth the fee for my spending?", "what's the best card for supermarkets?" — and it answers instantly. Toro also drives the live location nudges, the bill switching recommendations, and the crypto card optimisation.
Is it free?
Yes. Core nudges, Toro AI and bill switching are free. We earn from card issuer referrals when you apply for a card Toro recommends, and from bill provider commissions when you switch — you never pay us directly.
How does the bill switching cashback work?
Toro compares your current energy, broadband, mobile and insurance against live deals. When a better deal exists and you switch, the new provider pays us an acquisition commission (£20–72 depending on the service). We pass 70% of that back to you as cashback in your wallet. The provider funds it — not us. No ongoing fee, no recurring cost.
Do you see my card numbers?
No. Card details stay on your phone. We don't request, transmit, or store your card numbers, CVVs, or expiries.
Do you track my location?
We request "Always" location permission so iOS can fire geofences when you arrive at shops. We never see the location — it's processed by iOS on-device. We only know you entered a known shop, anonymously.
Does it support my bank?
Every major UK issuer: Amex, HSBC, Barclaycard, Chase UK, Virgin, Lloyds, NatWest, Halifax, Tesco, M&S, John Lewis, Monzo, Starling, Revolut and more. Crypto cards too: Crypto.com, Coinbase, Wirex, Nexo. If yours is missing, email us and we'll add it.
When does Android launch?
Internal testing now. Play Store this month. Register interest via the app and we'll email you the install link.
How is this different from TopCashback or Quidco?
Those are online-shopping portals that require you to click through before buying. Rewards4All fires at the physical till before you tap — and also covers bill switching and crypto card spend that neither of those platforms touch. Complementary, not competitive.
Start earning smarter. Download free.
Free. Ten seconds to install. The next purchase you make, you'll know exactly which card to tap.