have to say I have had great experience with TCB UK when it comes to Accor and Europcar bookings which are my major service providers. IHG , Choice , Marriott ,Hertz and Avis not so much.
Two issues with Accor cashback - doesn't apply to a lot of the newer brands in the stable eg Mantra Group properties and the Ts+Cs of TCB UK state that you can only withdraw Accor CB to a bank account which might mean a UK bank account. After many months of Accor CB accumulation I paid the GBP5 per year for premium TCB membership and since then I have had no problem withdrawing via PayPal. My mother's account which is the free basic account still only allows withdrawal to a UK bank account. I have no idea if it was the signing up for Premium that allowed my withdrawals via PayPal or not.Earnings
Merchant Purchase Date Purchase Cashback

14 Nov 2021 £177.81 £21.34
pending

13 Nov 2021 £27.60 £2.02
pending

11 Nov 2021 £45.79 £5.49
pending

11 Nov 2021 £57.44 £6.89
pending

11 Nov 2021 £126.59 £18.99
pending

11 Nov 2021 £57.33 £6.88
pending

11 Nov 2021 £171.60 £20.59
pending

09 Nov 2021 £167.75 £20.13
pending

09 Nov 2021 £217.39 £26.09
pending

01 Nov 2021 £126.59 £12.66
pending

01 Nov 2021 £45.79 £3.66
pending

01 Nov 2021 £45.79 £3.66
pending

01 Nov 2021 £45.79 £3.66
pending

30 Oct 2021 £61.73 £4.53
pending

30 Oct 2021 £27.80 £2.04
pending

20 Oct 2021 £74.37 £8.18
pending

18 Oct 2021 £0.00 £0.10
claimed

07 Oct 2021 £101.78 £11.20
pending

07 Oct 2021 £0.00 £2.00
pending

23 Sep 2021 £95.67 £11.48
pending

21 Sep 2021 £265.13 £31.82
pending

20 Sep 2021 £95.67 £11.48
pending

20 Sep 2021 £217.29 £26.07