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Scam or Legit Way To Make £200+ by Money Savvy Daddy


20 Cogs Scam or Legit

Is 20 COGS a scam or a genuine one-off legit way to make real money from the comfort of your home?  Typically it’s said you can make £100-£200+ depending on which of the highest paying tasks you are able or choose to do.

Read my full 20 Cogs review to find out how I got on when I fully put it to the test.

Disclaimer: This post may contain affiliate or referral links that earn me some commission if you sign up through them.  However, this is at no extra cost to you.  Read more here. Thank you if you do use them as they help to support my blog.

20 Cogs Review & Can You Make Money From It?

20Cogs has been used by tens of thousands of people.  However, there is a little preparation and a few tips that you should consider beforehand to make sure that your experience goes as smoothly as possible and to ensure that you make the most money without any hiccups.

£15 Sign Up Bonus

To give you an added boost  I have arranged a special short term £15 bonus offer to get you started.

You can simply sign up for free and see what it’s all about before committing.

Make sure you read my tips if you decide to continue and start completing the COGS.

Alternatively, if it turns out not to be for you, I have many other ways you make money from home in the UK.

The clue is in the name, it’s 20 tasks to be completed from offers that fall into the following categories:

  • Competitions
  • Offers
  • Gaming
  • Surveys

These are exactly the type of tasks you will be asked to undertake in order to complete each of the 20 Cogs, earning money towards your final 20 COG payout.

How Does 20 Cogs Work?

You complete varying tasks for money each of which counts as a COG.  Each individual COG offers a choice of tasks for you to complete.  Once a COG is complete you are awarded payment.

By the time you have completed 20 Cogs, you should have earned approximately £100-£200+ at no cost or very little cost to yourself.

When you complete a task, the status of the COG changes to Amber, meaning it’s pending.  This might take 24 hours so don’t worry if it doesn’t change straight away.

Once the advertisers have confirmed you have completed the task correctly, the Cog status will turn to Green.

Only when you have completed all 20 COGs will a CLAIM button appear. This will allow you to request payment to your bank using your BACS details or request payment to your PAYPAL account.

Free and Easy to Start

20 cogs is totally free to sign up to and get started with, you can even get started with a £15 Welcome Bonus that you won’t find everywhere else 🙂

Click my links on this page or the image below and you should see the following on the page you go to:

£15 Welcome Bonus

However note, some tasks require you to use a credit or debit card and make a small payment in order to earn a much larger commission payment.

Also if you do not cancel some sign-ups in time you will be charged.

You can do all 20 COGS at once and wait for them to turn green over the next 30 days or just take your time and do them as and when you get time.

Is 20 COGS a Scam or Is it Legit?

20 cogs is not a scam, in fact, it has a 4-star rating on Trustpilot.

On reading some of the reviews it was clear most people who had a slightly negative experience had jumped to an early wrong conclusion and not contacted the Helpdesk.  However, as you can see 84% has an Excellent or Great experience.

One thing you must be very clear on before you start is that you have to complete all 20 COGS before you can get paid.  You can’t cash out or withdraw what you appear to have earned after completing each COG.

Even when you have completed all the COGS you have to wait for them all turn green.  This again can take up to 30 days.

Understand these key points and you should get along fine.

Any problems use the Help Desk, there is a link to it at the top of the page.

How Much Can You Earn?

Ultimately this will depend on which tasks you choose to complete at every COG level.  In total, you should be able to earn £100-200+.  I’ve seen some people say they have earned up to £300.

One thing that might hinder your earnings is if you have completed some of the tasks before.  The bookmakers or online casino, bingo sites are some of the highest paying offers, but you may have signed up to these previously if you have done any Matched Betting which is an excellent way of earning lots more cash and is NOT GAMBLING).

The payout figures you see are not representative of the final profit you’ll make.  In order to achieve an expected payout of £170, I needed to spend approximately £54.

Therefore I would only consider undertaking 20 COGS if you think it’s worth doing for a final profit of around £100+.   

How Long To Withdraw / Cashout Payment?

Don’t expect a quick payment from 20 cogs.  It is a relatively slow process moving through 20 Cogs and some individual tasks can take 30+ days to be verified.

Don’t give up.  Once you have started, keep going.  If you are not sure what to do with a particular COG, take a break and see if the offers change to something more suitable to complete.

Preparation Before Starting – Tips for 20 Cogs

20 Cogs ReviewAlthough 20 COGS is a legit way to make money, there are a few pitfalls worth avoiding.

Remember the companies paying a commission to 20 COGS are trying to make money.  So they will want to market themselves or get you to subscribe to full paying services.

However, knowing this in advance you can avoid these problems as I outline below.

Set Up A New Email Address

Never use your main email address for money-making sites etc. I would suggest setting up a new email just for 20 COGS and its related tasks.  It takes literally takes a couple of minutes to set a new Gmail account. This will mean you avoid wasting time on any spam in your main email accounts.

Avoid Using Your Mobile Phone Number

You will receive spam phone calls from some of the offers, so seriously consider not using your main phone number.

You could use a PAYG SIM or another option is to use a fake phone number.If you just try and make up your own random phone number, there is a chance a real person will, unfortunately, be receiving a load of spammy calls thanks to you.

The solution is to use which for free has mobile phone numbers you can use that are not in use.

Keep Records Or Set Phone Notifications

Some of the offers will involve you signing up for a free trial or possibly very low costs subscription services.

You will, therefore, need to keep a record of when to cancel these services by. This could be over any number of timeframes, for example, 2 days, 7 days or even 30. If you don’t cancel, you will be charged.

Read Instructions Carefully

Make sure you read and follow the instructions for each task carefully, so you do everything correctly and satisfactorily enough to qualify for the payment.

Double-check the small print if giving bank details.  Some offers require you to be a member for a set number of days but will actually charge you earlier within that timeframe.

Take Screenshots As Proof

Take screenshots and just save them in a designated 20 Cogs folder on your laptop or tablet etc. This is just-in-case there are any queries down the line where an advertiser might question whether an offer was completed correctly. You will then be able to easily prove it was.

Where possible include your name and date in the screenshot so 20 Cogs can match up with the click data.

Bank Account Choice

You will need a bank account to sign up for some free trials and paid subscriptions.  If you have more than 1 bank account, I would consider using the one that has the least transactions.

Fortunately, I used a bank account that I only use for savings so it had very few monthly transactions.  This made it a lot easier for me to see transactions leaving the account that related to 20 COGS as well as any Direct Debits being set up on the account.

20 Cogs Freebies or Very Low Price Trials

Not only are you getting paid to use 20 Cogs, but some of the offers involve giving you items or services for free. Or a very low trial price.

Here are some examples:

Plus various other options depending on which COG tasks you choose to complete.

How to Earn Even More From 20 Cogs

Once you have completed your 20 cogs and know exactly how it works and that it’s not a scam you have the option to make more money.

You have to wait until you have completed 20 COGS before you can withdraw your first payout.  However, once you have completed all 20, you can carry on doing COGS and get paid out whenever you like.

Take some screenshots of your payouts as proof and recommend to your friends and family along with a referral code.

You can also currently earn 5% of referrals payments and 20% when they complete all 20 Cogs. Plus, because you’ve completed the process yourself, you will be able to assist and motivate them along the way.

20 COGS Tips Checklist

Here’s a bullet point checklist of the points I’ve made above to help your 20 COGs experience go as smoothly as possible.

  • Set Up New Email
  • Use Fake phone number
  • Keep Record of any sign ups and dates you need to cancel
  • Read small print for dates for any offers you submit bank card details for
  • Must complete all COGS to claim payment
  • Be patient – Can take 30+ days for some tasks to be verified
  • Take Screenshots as you go to prove tasks completed
  • Contact support if any issues

My 20 COGS Review Progress

20 Cogs Progress
20 Cogs Halfway Progress – £87 Earned So far

At the time of writing, have completed 10 COGS.  3 are still marked grey after 3-4 days.  I simply click the Help Desk link.

I read the “Frequently Asked Questions” and chose the one that asks “I’ve completed an offer, why is the Cog still grey”. From there I can submit a support ticket and I can the form already knows which offers are still grey and I can submit information on.

I do have a reservation about the timing when to cancel a direct debit or bank payment, in time to still qualify for the offer but also not get charged.

I will keep you updated on how it goes from here.

26th February Update

20 Cogs Complete Pending
26 days in & 19 days after completing the last COG

I started working through 20 COGs on 1st February 2018.  As you can see in the image on the right, I have completed all COGS and some are beginning to turn Green.

I’m on course for a £170.69 payout.  However, many of the offers involve spending money to make money.

I’ve also let an extra charge slip through, so I will calculate the total profit after receiving my payout.  It should easily be over £100.

I had to contact the Help Desk a couple of times to get some of the COGS to turn from Grey to Amber.   This included sending a screenshot I had already taken.  Again this is really easy to do and you just attach the image as part of sending a message via the support tickets.

My Matched Betting experience helped in wagering one of the casino offers and I chose a high RTP slot game.  I deposited £10 & received a £20 bonus all of which needed wagering.  However, I came out with a £240.49 profit (see my February Extra Cash Report).  I won’t be including this in my final 20 COGS profit as it’s primarily luck that I earned it, so instead, I count it as Matched Betting earnings.

COG 17, I couldn’t complete it because I had already completed the offers available at other times as part of my Matched Betting.

However, this was an easy fix as they told me to choose any other offer from one of the 20 COGS, complete it, and just let them know.

20 COGS say at wait at least 30 days for the COGS to turn Green before contacting them, so I’m just playing the waiting game now.

In the meantime I’m keeping an eye on my bank account and my spreadsheet to check for days I should cancel free and paid trials.

Cogs starting to turn green

6th March Update

At this point, many of the offers have been completed for the full 30 days.

Most of the COGS have started to turn from Amber to Green.  I haven’t had to chase any of these up.

I’ve been logging into my bank often to check no extra charges are being taken and no new DD’s are appearing on my account.

Fortunately, I chose a current bank account that I just used for savings.  So any transactions clearly stood out.

I have been checking my spreadsheet on a regular basis, to double-check for dates I should be cancelling free trials, etc.

For a few of the site offers I have had to log back in and cancel subscriptions.

COGS 11, 13 and 19 I completed between the 5th and 7th February, so I will give another 7-10 days to see if they turn green.

I’ll be sure to share a screenshot when I’m given the option to cash out.

At the same time, I will calculate my overall profit.  The payout minus any charges to complete the offers.  I’ll then give my final verdict.

20 Cogs Complete With Proof of Payout

20th March Update:

7 weeks after starting, all 20 COGS have turned green.  As you can see in the image on was now given the option to “Collect Earnings”.  This appears just above your 20 green Cogs.

Upon clicking to claim my earnings direct to my bank accounts I was presented with this confirmation message:

Within 3 days the money was in my bank account.

20 Cogs Final Profit

The 20 COGS total payout is only part of the picture.  This is because it costs money to complete some of the COGS.  You earn more than you pay so this is worthwhile.  However, these costs do add up.

Also, I found some offers extremely tight as regards following instructions to qualify for the cashback and not incurring extra charges.

In total including an extra charge, it cost me £41 to complete all COGS.

It took 7 weeks to complete all 20 COGS and actual working effort of approximately 10 hours, which includes all the record-keeping and cancelling trials.

The final profit is £129.60.

20 Cogs Extra Update – Hit £200+ Profit 20 Cogs

May Update

As you can see in the highlighted area of the image on the right I have now achieved over £200+ profit from 20 Cogs.

These extra earnings are from a few referrals I have made which again goes to show the process has been completed by others.

You yourself can also refer friends, just be clear like I have been in this 20 Cogs review about what’s involved as it isn’t for everyone.

Extra earnings can be collected as previous earnings, straight to your bank account or to a Paypal account.

Alternative Sites Like 20 Cogs

There is no other site specifically like 20 cogs.  Once you have completed 20 Cogs you will have an understanding of how and why it works.

It does feature on my list of more ways to make money from home if you are looking to make an extra £500+ a month that pretty much most people can have a go at.

Advice: If you have already started 20 COGs, it’s best to complete it before trying other alternatives, otherwise you risk doing offers that are on future COGS and will reduce your options for completing it.


OhMyDosh is a site that is actively set up to help you earn cashback and rewards from completing very similar tasks to those on 20 Cogs.

The advantage of OhMyDosh is that you can choose which tasks to complete or avoid.  You also earn money per task and don’t have to complete a set number.

The site is very well set up and has instructions for completing each offer.

Find out about Lightning Payout and No Spend offers in my full OhMyDosh review and claim the £1 sign up bonus to get you started.


Free to join Swagbucks is one of the most well-known rewards sites in the world and has paid out millions of pounds to members over the years.

Instead of pounds and pence, you will be paid in Swagbucks or SB for short.  These SB can be converted and withdrawn via Paypal or Amazon gift cards as well as other brands.

The key differences to 20 Cogs, are that you can work through the various reward tasks at your own pace.  Similar to 20 COGs these choose a range of sign up for cashback options.

However, at times Swagbucks have promotions like Swago Boards, which act as a Bingo card encouraging you to complete offers in a certain pattern for which you’ll get an extra reward.

You can get paid for such things as:

  • Cashback on site and app offers
  • Downloading and playing game apps
  • Surveys and polls
  • Watching videos
  • Daily Search

You can find out more including tips to earn more in my UK Swagbucks review.

Or just sign up to Swagbucks here for a 300SB bonus if you earn 300SB in 30 days.  Perfectly doable in a day or via just one offer.

Other Cashback Sites

Another perfectly valid option is to look for your own sign-up offers and free trials on the other best cashback sites.

The best 2 cashback sites:

Definitely always worth checking both.  See how I’ve made over £1000+ combined in my TopCashback Review and Quidco review.

In fact, you might find many more lucrative opportunities.  I’ve made often made between £26-£36, even £69 on occasion on for bookmaker signups as part of my Matched Betting.

Both the cashback sites have free money and no spend options too.

Matched Betting

If you didn’t mind signing up online bookmakers and casinos, you may well be interested in earning a lot more money this way.

Check out my Ultimtate Matched Betting Guide (with profit-boosting tips) (note Matched Betting is NOT GAMBLING it’s primarily taking advantage of bookie sports free bet offers as well as many other related promotions.  Many of which are available daily to existing customers.

I’ve made well over £30,000+ over 3 years from this tax-free side hustle.

You can learn everything you need to get started with a Profit Accumulator free trial (nothing to cancel) and you should make £30-£40 profit.

A number of the sign-ups can also be combined with cashback offers with the sites I listed above.


As you can see 20 COGS is a legitimate way to earn a decent amount of money relatively easily from home.

Do note, the payouts don’t represent the final profit because depending on the cogs you choose you to incur some costs. However, you should make at least £100+.

The process does need constant monitoring, and a certain amount of record-keeping, so it won’t be for everyone.

However, there are things you can do to make sure you earn this money as smoothly as possible.  So be sure to check my tips checklist and scan the page for more in-depth reasoning and information on those tips.

If you have tried 20 Cogs yourself please let me know your experience.

Any questions please ask in the comments below.


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