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No it isn't an instant payment (I think because they have to have the sale verified etc by the merchant) so something to redeem later. I get mine paid into my paypal account but I think you can have it transferred to your bank account by BACs payment as well - you'd have to check that.
Fatcheese is one example but there are many cashback sites and may well even be ones which have better deals - I just can't be bothered to sign up to any more sites! But worth checking out.
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