# SavySaver — full site context Canonical: https://savysaver.com.au/ Updated: 2026-09-17 Language: en-AU This file concatenates SavySaver's maintained Markdown copies for machine reading. Prefer the canonical HTML URLs when citing the site. --- # SavySaver Australia — help with the cost of living - Canonical: https://savysaver.com.au/ - Updated: 17 September 2026 - Language: en-AU SavySaver is an independent Australian website with practical, plain-English guides for shopping cashback, mobile and NBN, electricity and gas. It does not sell phone or energy plans and is not a licensed comparison service. ## Start here - [Bill check](https://savysaver.com.au/bill-check/): choose shopping, phone/internet, or power/gas and get the relevant official next step. - [Shopping and cashback](https://savysaver.com.au/guides/): independent cashback explainers and calculator. - [Phone and internet](https://savysaver.com.au/phone-and-internet/): switching mobile and NBN, CIS, porting and complaint options. - [Power and gas](https://savysaver.com.au/power-and-gas/): government comparison tools and standing-offer basics. ## Independence SavySaver does not take a commission on phone, NBN, electricity or gas switches. Shopping pages can contain a ShopBack referral link. If an eligible referral qualifies, the referrer may receive a bonus; see the disclosures page for details. --- # Bill check — what to do this month - Canonical: https://savysaver.com.au/bill-check/ - Interactive: https://savysaver.com.au/bill-check/ A three-step check. No account. 1. Pick the bill: shopping, phone/internet, or power/gas. 2. Answer one situation question. 3. Follow the next official step. - New to ShopBack → join with code CZsGd1 and read https://savysaver.com.au/shopback-australia-referral - Mobile → CIS + number porting via the new provider. ACMA: https://www.acma.gov.au/switch-your-phone-or-internet-provider - NBN → typical evening speed and ongoing price. - Victoria energy → https://compare.energy.vic.gov.au/ - NSW / SA / SE QLD energy → Energy Made Easy and the DMO. Solar Sharer is opt-in from 1 July 2026. --- # Shopping and cashback guides Australia - Canonical: https://savysaver.com.au/guides/ - Updated: 17 September 2026 - Language: en-AU Independent explainers for Australian shoppers. Cashback is only useful when it applies to something you already intended to buy and the purchase meets the retailer's live terms. ## Guides - [ShopBack Australia referral code CZsGd1 — A$20 guide](https://savysaver.com.au/shopback-australia-referral/) - [How ShopBack works in Australia](https://savysaver.com.au/how-shopback-works/) - [ShopBack vs TopCashback Australia](https://savysaver.com.au/shopback-vs-topcashback/) - [Cashback calculator](https://savysaver.com.au/cashback-calculator/) See [Disclosures](https://savysaver.com.au/disclosures/) for the referral relationship and general-information limits. --- # Switch phone and NBN in Australia - Canonical: https://savysaver.com.au/phone-and-internet/ - Updated: 17 September 2026 - Independent educational guide. Not a telco. Not a live price table. Most SIM-only and many NBN plans in Australia are month-to-month. Read the Critical Information Summary, keep your number, and check exit fees before you switch. ## Do this today 1. Open your current contract. Note the end date, any device balance, and early-exit fees. 2. Read the CIS on the new plan: price (intro and ongoing), data, typical evening speed (NBN), coverage. 3. Switch and keep your number. The *new* provider ports it. Do not cancel the old service first. ## Mobile If you own the phone, SIM-only month-to-month is usually the flexible option. Intro prices often rise after 3–12 months. From 30 June 2026, mobile providers must publish coverage maps with four standard labels (good, moderate, basic, none). ## NBN NBN Co wholesale prices moved in 2026; many retailers passed that on, especially on slower tiers. Compare typical evening speed (7–11pm) and the ongoing monthly price. Some providers still want 30 days’ written notice to cancel. ## Official tools - ACMA switching: https://www.acma.gov.au/switch-your-phone-or-internet-provider - Telecommunications Industry Ombudsman: https://www.tio.com.au/ - ACCC broadband speeds: https://www.accc.gov.au/consumers/internet-phone/broadband-speeds --- # Electricity and gas in Australia — Energy Made Easy, DMO, Solar Sharer - Canonical: https://savysaver.com.au/power-and-gas/ - Updated: 17 September 2026 - Independent educational guide. Not an energy retailer or accredited comparator. Use the government comparator. We explain standing offers, the 2026–27 Default Market Offer, and the Solar Sharer midday free-power option. ## Do this today 1. Find last bill and postcode. 2. Compare on Energy Made Easy (https://www.energymadeeasy.gov.au/). Victoria: Victorian Energy Compare (https://compare.energy.vic.gov.au/). 3. Check standing vs market. If the DMO/VDO is cheaper than your plan, ask to move. ## Default Market Offer 2026–27 From 1 July 2026 the AER’s DMO is the standing-offer cap and ad reference price in NSW, South Australia and South East Queensland. Most standing-offer prices fell. Example flat-rate residential reference amounts at published benchmark usage: Ausgrid NSW A$1,899; Energex SEQ A$1,988; SAPN SA A$2,334. Your bill depends on usage. Victoria uses the Victorian Default Offer, not the DMO. ## Solar Sharer Offer From 1 July 2026, larger retailers in DMO regions must offer eligible smart-meter households three hours of free electricity in the middle of the day. Opt-in. Homes with or without rooftop solar; generally not embedded networks. ## Official tools - Energy Made Easy: https://www.energymadeeasy.gov.au/ - Victorian Energy Compare: https://compare.energy.vic.gov.au/ - AER DMO: https://www.aer.gov.au/industry/retail/default-market-offer --- # ShopBack Australia referral code CZsGd1 — A$20 bonus guide - Canonical: https://savysaver.com.au/shopback-australia-referral/ - Updated: 17 September 2026 - Language: en-AU - Independent guide. Not the official ShopBack website. Use ShopBack Australia referral code **CZsGd1** when you sign up. Eligible new members can unlock an **A$20 bonus** after earning at least A$20 in qualifying Cashback within 180 days. Referral link: https://app.shopback.com/u78PcID9t6b Eligible new members only. Earn at least A$20 in qualifying Cashback within 180 days. T&Cs apply. This is an independent referral page. The referrer also receives A$20 when the referral qualifies. ## Offer at a glance | Field | Value | | --- | --- | | Referral code | CZsGd1 | | Country & currency | Australia · AUD | | New-member bonus | A$20, subject to eligibility | | Qualifying requirement | Earn A$20 qualifying Cashback | | Qualification window | 180 days | | Promotion end date | Not shown in the supplied offer; check the app | | Reward confirmation | Cashback must become confirmed | | Referrer reward | A$20 when the referral qualifies | Check the current in-app offer before joining. ## How to get the A$20 referral bonus 1. **Use the referral at sign-up.** Open the referral link or enter CZsGd1 during registration. Apply it when signing up; do not assume you can add it afterwards. 2. **Earn qualifying Cashback.** The supplied offer requires at least A$20 in Cashback within 180 days. Check the offer in your app and each store’s terms before making a purchase. 3. **Wait for confirmation.** ShopBack’s official referral FAQ (https://www.shopback.com.au/raf-content-system) says Cashback must become confirmed before the bonus is credited. Cancelled, exchanged or refunded purchases do not qualify. ## A$20 Cashback is not A$20 spent Cashback is a portion of eligible spending returned to you. Required eligible spend = Cashback target ÷ Cashback rate (as a decimal). Illustrative example: A$200 eligible spending × 10% = A$20 Cashback. This is arithmetic, not a live ShopBack deal. Rates, caps, excluded items and confirmation rules may change the amount earned. Buy what you already need. An extra purchase just to chase a bonus can cost more than the reward. ## Before your first purchase - Read the offer in your app: confirm the A$20 bonus, the qualifying period, and account requirements. - Read the store’s Cashback conditions: categories, exclusions, rate caps, coupon restrictions. - Wait for confirmation. Tracked Cashback is not confirmed Cashback. ## FAQ **What is the ShopBack Australia referral code?** CZsGd1. Enter it when creating your account, or use the referral link. The offer is for eligible new members in Australia. **Do I get A$20 immediately after signing up?** No. Sign-up alone does not meet the supplied offer. You must earn qualifying Cashback and meet confirmation and eligibility conditions. **Can I qualify by spending A$20?** No. You must earn A$20 in Cashback. At a hypothetical 10% rate that is A$200 of eligible spending. **Can existing ShopBack members use this?** This is a new-member referral offer. The code or link is used when signing up. **When does the offer end?** The supplied offer is labelled “Limited Time Only” but does not show an end date. The 180 days is the qualification window after joining, not a promise the promotion stays open for 180 days. **Who gets rewarded?** The new member may receive A$20 if they qualify. The holder of code CZsGd1 also receives A$20 when the referral qualifies. --- # How ShopBack works in Australia - Canonical: https://savysaver.com.au/how-shopback-works/ - Updated: 17 September 2026 - Independent explainer. Not official ShopBack documentation. ShopBack is a cashback platform. Start a shopping trip in the app, on shopback.com.au, or with the browser extension, click through to a partner store, and complete checkout in the same session. If the trip tracks, a percentage of eligible spend comes back as Cashback in Australian dollars. The service is free for members. Partner stores fund Cashback via affiliate commissions. You still pay the store’s normal price. ShopBack Pay, a separate payments product, was discontinued in Australia from 25 March 2026. The cashback product continues. ## Tracking No click-through, no Cashback. Finish the order in the same session. Common failures: - Ad blockers, VPNs, or incognito windows blocking cookies - A coupon code not listed on ShopBack for that store - Clicking another cashback site after ShopBack (last-click usually wins) - Gift cards, some subscriptions, and pre-orders (often excluded) - A different device or browser than the one you clicked on Read the store’s ShopBack page for the live rate, caps and category exclusions. ## Pending vs confirmed Cashback usually appears as pending first. It becomes confirmed after the retailer’s return or cancellation window. Confirmed Cashback is the number that counts for a referral bonus that requires qualifying Cashback. Cancelled, exchanged or refunded orders do not qualify. Confirmed Cashback is paid in AUD. A typical bank transfer to an Australian-issued account lands within about 10 calendar days of confirmation. Check the app for current minimums and methods (bank transfer, PayID, gift cards). ## Extension and in-store The Chrome extension notices a partner site and lets you activate Cashback without returning to the homepage. The earning rule is the same as the app. Some merchants accept in-store receipt scans. Those offers have their own rates. ## Fees No sign-up fee, no cashback service fee, no bank-transfer withdrawal fee, as described in ShopBack’s public fee guide. ## Official sources - https://www.shopback.com.au/guide/basics/how-shopback-works - https://www.shopback.com.au/raf-content-system --- # ShopBack vs TopCashback Australia - Canonical: https://savysaver.com.au/shopback-vs-topcashback/ - Updated: 17 September 2026 After Cashrewards closed in 2025, most Australian shoppers looking for cashback land on ShopBack, TopCashback, or both. Rates move. This is a product comparison, not a live leaderboard. | Topic | ShopBack | TopCashback | | --- | --- | --- | | Best for | Everyday AU shopping, including groceries and some in-store receipts | Comparing a rate before a large order; PayPal withdrawals | | Retailer coverage | Typically the wider local list | Smaller Australian catalogue | | Sign-up bonus | Described on SavySaver as A$20 after A$20 qualifying Cashback in 180 days (code CZsGd1) | Often a new-member bonus after a small threshold — check TopCashback | | In-store | Receipt scan on participating merchants | Online-focused in Australia | | Payout | AUD bank transfer / PayID / gift cards | Bank transfer, PayPal, gift cards | | Rate-match | Not advertised as a 110% match | Known for a rate-match / beat promise — read live terms | | Fees | No sign-up, service or bank-transfer withdrawal fee | No membership fee for the standard product | ## Using both Keep both accounts if you shop enough for the extra check. Before a large order, take the higher eligible rate and click through **once**. Do not stack both links on the same checkout — last-click tracking usually means one network (or neither) is credited. For weekly groceries and in-store receipts, ShopBack is typically the default in Australia. --- # Cashback calculator — spend needed to earn A$20 - Canonical: https://savysaver.com.au/cashback-calculator/ - Updated: 17 September 2026 - Interactive HTML tool: https://savysaver.com.au/cashback-calculator/ The ShopBack referral bonus asks you to **earn** A$20 Cashback, not spend A$20. Formula: ``` required eligible spend = Cashback target ÷ (rate ÷ 100) ``` ## Worked examples for a A$20 target | Illustrative rate | Spend to earn A$20 | Where you might see it | | --- | --- | --- | | 1% | A$2,000 | Some grocery and everyday rates | | 2% | A$1,000 | Electronics, some marketplaces | | 5% | A$400 | Travel and selected retail | | 8% | A$250 | Fashion promotions | | 10% | A$200 | Occasional high-rate campaigns | These are teaching numbers, not a live ShopBack catalogue. Rates, caps, excluded items and failed tracking change the result. Buy what you already need. --- # About SavySaver - Canonical: https://savysaver.com.au/about/ - Updated: 17 September 2026 SavySaver is an independent Australian website that explains how to keep more of what you already spend: shopping cashback, phone and NBN, and electricity and gas. It is not a bank, not a licensed comparator, and not the official ShopBack website. Shopping: you do not qualify for an A$20 Cashback bonus by spending A$20. Telco and utilities: we do not sell plans. We send you to ACMA, the TIO, Energy Made Easy, and Victorian Energy Compare. ## Independence Not operated or endorsed by ShopBack. Not an energy retailer. Not a telco. ## Funding ShopBack referral code CZsGd1 — the referrer receives A$20 if the referral qualifies. No commission on power, gas, or phone switches. See https://savysaver.com.au/disclosures. --- # Disclosures - Canonical: https://savysaver.com.au/disclosures/ - Updated: 17 September 2026 ## Affiliate and referral relationship SavySaver publishes ShopBack Australia referral code **CZsGd1**. If you create a new eligible ShopBack account via that code or link and the referral qualifies, the holder of the code receives A$20. You may receive A$20 as a new-member bonus if you meet the qualifying Cashback and confirmation rules. Links to ShopBack use `rel="sponsored"`. ## Not financial advice Nothing on this website is personal financial product advice, a recommendation to spend, or a guarantee of any bonus. Cashback is not a bank deposit. Offers are set by ShopBack and by each merchant. ## Accuracy Illustrative rates in the calculator are teaching examples, not a live feed. Official documents live on shopback.com.au. ## Trademarks ShopBack, TopCashback and other product names are trademarks of their owners. Use here is for identification. No endorsement is implied.