Does Aldi do Cash Back?

Does Aldi do cash back? Yes, it does. 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 cash back option.

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. You’ll learn what cash back is and how Aldi’s cash back works.

What is cash back?

Cash back is just as it sounds. It’s when you pay additional money with your bill to a retailer. 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.

Hand holding up five 100 dollar bills

For example, you have $100 in your bank account. You want to buy a bottle of Burman’s hot sauce, which costs $2. 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 $42. When the cashier swipes your card on the Point-of-Sale system, $42 will be deducted from your account. The cashier will then keep $2 and hand $40 to you. In this scenario, cash back has occurred.

Most people use the cash back option 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. So finding the nearest ATM is difficult.

How much cash back can I get from Aldi?

At Aldi, you can get cash back 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 that offers the cash back service to do it.

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 cash back in the value you want. E.g., get $50 by requesting $40 the first time. The second time, you can get $10. 

The reason why Aldi doesn’t allow custom cash back 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 cash back? Yes. Aldi does cash back at all its USA stores.
  • You can use the cash back service at Aldi’s checkout counters or cashier sections.
  • Aldi offers cash back in the following denominations; $10, $20, $40, $100.
  • Aldi doesn’t offer custom cash back 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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