No, our reward scheme is separate from your FX account login details. We distribute the cashback link via a secure email at the start of each new quarter, which will show you the balance for your previous quarter's trades.

At Reciprocal, we are somewhat unorthodox compared to traditional brokers and banks. We run the business as a highly lean operation, focused on efficiency and maximising value rather than carrying unnecessary overheads. Our experienced team works remotely, avoiding costly office space, and we use AI to automate routine tasks, freeing up time to better serve our clients. Instead of fixed salaries or excessive targeted bonuses, we take a modest share of overall revenue, so our success depends entirely on our clients’ satisfaction and continued loyalty. This model drives us to work harder, respond faster, and consistently deliver a first-class service. The savings we make from operating this way are passed directly back to our clients via our reward scheme.

No, each new link shows the balance for your previous quarter’s trades only, so it won’t accumulate over time. That said, an accumulative balance is a feature we’re looking to develop in the future.

No, each new link is valid for six months and cannot be reinstated once it expires. However, once you redeem your balance for one of our brands' e-gift cards, they typically remain valid for up to two years. Please check individual brand terms, as some may have shorter expiry periods.

For conversions that do not include GBP as either the source or destination currency, the cashback will be calculated based on the GBP equivalent of the transacted amount. This equivalence will be determined using the market exchange rate applicable at the time the conversion was executed.

For our clients who live and work outside of the UK, we can payout the digital cashback in GBP, EUR, USD, and CAD. Other currencies may be available for cashback. Please contact us if you have a question about a specific currency.

Contact your relationship manager, and we can send another link so you can regain access to your balance.