20 Cogs
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20 Cogs is a ‘rewards’ website that will pay you to sign up to 3rd party websites [merchants] and complete offers.

Such offers may include filling out online surveys, entering competitions, buying lottery tickets, taking out a subscription on a free trial, or betting some of your own money.

You must complete 20 offers (‘Cogs’) before you can withdraw any profits made from the 20 Cogs website.

20 Cogs does not appear to be a scam.

However, you need to read the terms and conditions of each offer carefully to ensure that you are not automatically billed by the merchant in some instances.

Use of a separate email address and phone number is essential for avoiding spam from the merchants.

You can potentially earn around £200 – £300 if you complete all of the offers.

20 Cogs is best suited to anyone looking to earn a bit of extra cash in their spare time.


  • Make around £200 – £300;
  • Free to join;
  • View offers before you start them.


  • Time heavy;
  • Can’t withdraw until 20 offers are complete;
  • Some offers can lose you money;
  • Some hidden recurring payments (lottery);
  • Spam emails and calls from companies;
  • Can take up to 30 days for a payment to clear;
  • Some offers might not track.

This post contains affiliate links. This means that if you click a link and buy something, we might make money. This is at NO extra cost to yourself. But it helps to keep this website up and running. 🙂

Name:20 Cogs
Type:Rewards website – paid to complete tasks
Money-Back Guarantee?N/A
Rating:3.5 / 5
How to Join?Here

I’ll be honest.

This 20 Cogs review is a bit biased.

And not because I want to coerce you into joining up.

But because I’m not really a huge fan of ‘mystery shopping’, paid surveys, competitions, or cashback/rewards websites in general.

Simply because there are much more efficient ways to make money online.

However, I do get a lot of questions asking me if 20 Cogs is a scam or not.

So, I went ahead and joined up.

Here’s what I discovered.

What is 20 Cogs?

20 Cogs is a ‘rewards’ website.

Where in exchange for completing competitions, offers, and surveys with various companies [merchants].

20 Cogs will compensate you with cash.

The twist?

You have to complete 20 of these offers before you can withdraw any money from your 20 Cogs account.

More specifically, each cog must turn ‘green’.

A green cog means that the payment has been approved by the merchant.

Each ‘cog’ is basically a ‘level’.

You can complete more than one offer per level if you wish.

But one ‘green cog’ per level is the minimum to withdraw your money.

Is 20 Cogs a Scam?

Not as far as I can tell.

Admittedly, I didn’t complete all 20 cogs.

Simply because I found the process of repeatedly signing up to multiple websites mind-numbingly tedious.

So, I can’t officially confirm that 20 Cogs pays out as promised on every offer.

However, looking around the web, the majority of people seem to concur that 20 Cogs is legit.

When I had a look at the 20 Cogs reviews on Trustpilot.

I saw that 20 Cogs was rated as ‘great’ from an aggregate of 1,107 reviews.

With 63% as ‘excellent’ and 6% as ‘bad’:

Image source: Trustpilot – 20 Cogs Reviews.

How Does 20 Cogs Work?

The process is fairly simple on paper.

Here’s what you need to do.

1: Join 20 Cogs

Open your 20 Cogs account.

(Use this link to get a £5 welcome bonus).

Confirm your email.

2: Configure Your Payment Options

When you log in for the first time.

You’ll be asked how you’d like to be paid.

The options are bank transfer or PayPal.

3: Start Completing Offers

Go to ‘offers’ from the main menu.

On the left hand side you’ll see a panel that looks similar to this:

(Yours will show mostly ‘padlocks’ initially).

In the centre of the page, you’ll see an offer:

Underneath, you’ll see instructions for completion.

You should then click the orange button to begin.

(Or select a different offer for that ‘Cog Level’):

Once you’ve pressed the orange button.

You’ll be redirected to the merchant’s website where you can sign up and complete the required steps.

Done that?

Then the corresponding cog on your dashboard will turn amber.

This will turn green once the merchant has validated your claim.

The funds will then be released into your 20 Cogs account.

You’ll be able to withdraw your money from 20 Cogs ONLY once you’ve completed all 20 levels.

20 Cogs FAQs

There’s a ‘help desk’ available from the menu that addresses common questions.

Here are my paraphrased answers to the most FAQs.

Plus a few other common questions.

1: Can You Cash Out After Every Offer?


All 20 cogs must turn green first.

Once you’ve done this, a ‘claim’ button will appear and you’ll be able to withdraw your money.

2: How Long Before a Cog Turns Green?

It can take up to 30 days for an amber cog to turn green.

This is because the merchant has to validate that you completed the offer correctly.

3: Why is the Cog Still Grey?

This may mean that the offer hasn’t tracked.

I strongly suggest taking screenshots of welcome emails so that you can prove that you completed the offer if you decide to open a dispute claim.

You may need to switch off your ad-blocker, anti-virus (although I wouldn’t), or clear cookies if multiple offers haven’t tracked.

4: How Much Money Can Be Made From 20 Cogs?

As I said.

I’ve not done all of the offers – so I can’t say for sure.

But looking around online, it seems that folks are typically making between £200 and £300 if they complete all of the offers.

5: How Long Does it Take to Complete All 20 Cogs?

I guess you could complete the required 20 offers inside a few days.

But it can take up to 30 days for all of your cogs to turn green.

Plus, there may be additional hassles to factor in like offers not tracking.

6: Can You Refer People and Earn Money?


The 20 Cogs ‘refer a friend’ scheme allows you to earn 5% of whatever your referrals make from completing offers.

And if they hit the 20 offer mark.

You’ll get a £20 bonus.

You can get your unique link from the main menu.

My Experience With 20 Cogs

In light of my experience using 20 Cogs.

Here’s what I think you need to be aware of if you’re thinking of joining up.

1: Some Offers Require You to Spend Money

Some of the lottery and gambling offers require you to deposit and spend money.

This could result in a loss.

Make sure that the cashback amount from 20 Cogs exceeds the potential loss of your deposit.

If you have to wager cash on a casino game, use ‘minimum stakes’ to reduce the ‘variance’.

Casino Bonuses

Also, avoid accepting a casino’s bonus – unless it’s mandatory for the cashback process.

Because the added wagering requirements will increase the chance of you losing money.

In some instances, the bonus may add to the long-term value of the offer.

But you REALLY need to know what you’re doing if you’re going to take this approach.

Check out my Complete Casino Matched Betting Guide if you’re interested.

Where I explain exactly how to generate long-term profits from casino bonuses.

2: Beware Hidden Recurring Payments

Some of the lottery offers will ask for your bank details.

And they’ll start billing you automatically once the free trial is over.

In the case of PlayLottery.com, I noticed that in the small print, it said that the only way to cancel was via phone.

And when I did call them – they were closed.

In the end, I swerved the rest of the offers that asked for my bank details.

3: Read the Terms and Conditions Carefully

In light of the last point.

Make sure that you read the fine print for each offer on the merchant’s website.

Especially if you’re being asked for payment details.

4: Cancel Before the Free Trial Ends

Similarly, make sure that you know the cut-off date for the free trial if applicable.

The last thing that you want is to start getting billed for goods or services that you don’t want.

But make sure that you don’t cancel too soon either!

Some sites stipulate that you must remain a member for X time period.

5: Use a Different Email and Phone Number

Whatever you do.

DO NOT sign up to any of the merchants’ websites with your regular email address or mobile number.

Because you’ll be spammed for eternity.

Set up unique accounts and numbers for the sake of your own future sanity.

6: Duplicate Offers Can Be a Problem

What am I talking about?

Well, if you’ve used other sites like TopCashback to sign up to some of the merchants listed inside 20 Cogs.

You’ll not be able to complete that offer again.

This could potentially stop you completing the full 20 Cogs and getting paid.

7: The Surveys Can Be Intrusive


I’m not really comfortable telling a random company how many people live in my house and the amount of money they earn.

However, this might not bother you.


  • Make around £200 – £300;
  • Free to join;
  • View offers before you start them.


  • Time heavy;
  • Can’t withdraw until 20 offers are complete;
  • Some offers can lose you money;
  • Hidden recurring payments with some merchants (lottery mainly);
  • Spam emails and calls from companies;
  • Can take up to 30 days for a payment to clear;
  • Some offers might not track.

Conclusion: Is 20 Cogs Right for You?

20 Cogs isn’t something that I would choose to spend my time on.

There’s just too much effort relative to the potential reward in my opinion.

However, if you’re after a way to earn a few extra quid.

And you don’t mind putting in the leg-work.

20 Cogs is probably one of the better ‘rewards’ sites.

Join 20 Cogs – Get £5 Free

Fancy giving 20 Cogs a try?

Then sign up using the button below.

And you’ll get a £5 welcome bonus.

Alternatives to 20 Cogs

You might wonder why I’m so ‘down’ on online surveys and so on.

Well, there are a couple of strategies that I use to make money online that are much more efficient.

Here they are.

#1: Matched Betting

Do you live in the UK or Ireland?

Then matched betting is the most effective way to make money from home.

For example, I recently made £2,001 in one month from matched betting.

And the process was far less excruciating than filling out online surveys in my view.

#2: Affiliate Marketing

The problem with most online money-making techniques is that they require you to trade your time for money.

Affiliate marketing has the capacity to earn you income passively.

For example, in one year, I made more than $10,000 in passive income from affiliate marketing (about £8,000).

Clickbank Affiliate Earnings 2017

Learn BOTH Strategies for FREE Here

Would you like to give matched betting or affiliate marketing a try?

Then subscribe to my FREE email course here.

And I’ll show you how to get started with both techniques ASAP.

Click the button to begin.

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