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Does Aldi do debit card cashback?

Aldi gives cashback for debit cards. The cheapest grocery store in the USA gives customers their money back at its checkout counters. You can use it as long as your card qualifies for it. Qualifying cards include debit and Discover cards. Besides those, you can’t use any other card for the cashback service.

The concept of cash back is still foggy to some. If you’re one of them and you’re clueless about how it works, this short guide should clear things up. 

What is debit card cashback?

Debit card cashback is just as it sounds. It’s when you add money to your total purchase and withdraw that amount in cash from a grocery store. So instead of going to your regular ATM and getting charged with a small fee, you withdraw money from your favorite grocery store or supermarket at no cost.

For example, you have $100 in your bank account. You want to buy a bottle of Burman's hot sauce for $14. You also don’t have enough cash on you, and you need $40. 

What you can do is to tell the cashier to charge you $54. When the cashier swipes your card on the Point-of-Sale system, $54 will be deducted from your account and the cashier will hand $40 to you. In this scenario, cashback has occurred.

Most people use the cashback service at grocery stores for several reasons. The most common one is convenience. Instead of going to an ATM first before branching to the store, you can just do it all in one place. It’s also great for customers whose banks don’t have many branches spread across a location.

What is the difference between debit card cashback and the cashback rewards program?

There are two types of cashback services grocery stores offer, and they’re often confused as one. The first cashback is the one you’ve read about in this post so far. It refers to when you need money, but don’t want to go to an ATM.

ATM machines will charge a withdrawal fee to your account, but when you request cashback from a grocery store cashier, it’s free. You use checks or debit cards to get this type of cashback, and a credit card to get the second cashback.

The second cashback refers to a rewards program where you earn an extra dollar instead of special points whenever you make purchases. Most grocery stores specify the level you need to reach or conditions before you can earn this type of cashback. 

How much debit card cashback can you get from Aldi?

At Aldi, you can get cashback in the following denominations:

  • $10
  • $20
  • $40
  • $100

Unfortunately, there’s no custom option. So you can’t choose how much you’d like to get back from the cashier. For example, $50. You’d have to go to an ATM to withdraw that amount or visit another. Alternatively, you can just split your order in two. That means separating the items you bought into two places. Then you can use two different debit cards to pay for the items. 

If you have only one debit card, you can just split your shopping list, grab half of the items on the list, pay, and then return for the other half. This way, you can get cashback in the value you want. For example, get $50 by requesting $40 the first time. The second time, you can get $10. 

The reason why Aldi doesn’t allow custom cashback options is because of checkout holdups. The store forces customers to withdraw their cash in preset denominations to keep lines moving faster. With denominations, you just need to choose which denomination to remove from your account, and the cashier will process it immediately. 

With custom orders, the cashier has to key in the amount you want and add it to your bill. This can be a little bit time-consuming.

Key takeaway

  • Does Aldi do cashback? Yes. Aldi does cash back at all its USA stores.
  • You can use the cashback service at Aldi’s checkout counters or cashier sections.
  • Aldi offers cashback in the following denominations; $10, $20, $40, $100.
  • Aldi doesn’t offer custom cashback options. We’d advise shoppers to split their orders into two or go to an ATM. Read the above sections for more details.

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