People planning on going out for a drink with friends or family over the new year break may want to take advantage of a cashback app. It is always worth seeing if your everday purchases can go further, and one way to do this is with the Kaldi app.

You can use the app at more than 130 big name brands to get cashback on your purchases, which you can then use if you want to deposit in your investment-based savings, such as a stocks and shares ISA. You can use the scheme at big name coffee shops including Caffe Nero and Costa Coffee, where you can get 7.5 per cent cashback on your purchases over £1.

Starbucks fan can use Kaldi at the shop to also get 7.5 per cent cashback, when buying items above £2. Justin White, chief operating officer at Kaldi, said: “If you’re already eating out, grabbing coffees or heading to the pub, it’s worth choosing the places Kaldi partners with.

“The app works with more than 130 retailers and offers its highest cashback – up to 7.5 per cent – at restaurants, coffee shops and pubs, so everyday spending can really add up. You can then spend that cashback or invest it automatically through Kaldi into an ISA, JISA or GIA and watch those small amounts grow over time, without changing your habits.”

This is the full list of food and drink retailers where you can use the Kaldi app, including the amount of cashback you can get:

• All Bar One – 6.00%
• Amalfi – 6.00%
• Ask Italian – 4.50%
• BananaTree – 6.00%
• Belhaven – 5.00%
• Bella Italia – 6.00%
• Browns – 6.00%
• Cafe Rouge – 6.00%
• Caffè Nero – 7.50%
• Chef & Brewer – 5.00%
• Chiquito – 6.00%
• Coast to Coast – 6.00%
• Costa Coffee – 7.50%
• Côte Brasserie – 5.00%
• Deliveroo – 2.50%
• Ember Inns – 6.00%
• Est Italian – 6.00%
• Farmhouse Inns – 5.00%
• Filling Station – 6.00%
• Flaming Grill – 5.00%
• Frankie & Benny’s – 6.00%
• Great British Pub – 5.00%
• Greene King – 7.00%
• Harvester – 6.00%
• HelloFresh – 5.00%
• Hightales – 5.00%
• Hungry Horse – 5.00%
• Just Eat – 2.50%
• Laithwaite’s Wine – 6.00%
• Las Iguanas – 6.00%
• Miller & Carter – 6.00%
• Naked Wines – 6.50%
• Nando’s – 5.00%
• Nicholson’s – 6.00%
• O’Neill’s – 6.00%
• Pizza Express – 5.00%
• Pizza Hut – 5.50%
• Pub & Carvery – 5.00%
• Prezzo – 5.00%
• Sizzling Pubs – 6.00%
• Starbucks – 7.50%
• Stonehouse – 6.00%
• tastecard – 6.00%
• The Dining Out Card – 6.00%
• The Restaurant Card – 6.00%
• Toby Carvery – 6.00%
• Turtle Bay Restaurants – 5.00%
• Uber Eats – 2.00%
• Uber UK – 2.00%
• Vintage Inns – 6.00%
• Virgin Wines – 6.50%
• Zizzi – 4.00%.

Changes for savers

If you are building up your savings through investments, there are some looming changes to note. You can currently deposit up to £20,000 a year into ISAs, and this allowance can be split between different types of ISA, including cash ISAs and stocks and shares ISAs.

The rules are changing from April 2027, so that only £12,000 of this will be available for any type of ISA, while the remaining £8,000 will have to be used for stocks and shares accounts. The new rules will not apply to those aged 65 and over.

For the latest money saving tips, shopping and consumer news, go to the new Everything Money website.