If you've ever tried to pick one gift card for a team of 50 people, you already know the problem. Half your team shops at Amazon. A quarter prefer John Lewis. Someone in accounts shops exclusively at charity shops. And a lot of your remote workers aren't keen on anything that's in-store only.
Multi-store gift cards are supposed to solve this. One card, lots of retailers - everyone's happy. But are they actually as flexible as they sound?
Here's everything you need to know about multi-store gift cards in the UK, how the main options compare, and whether there's a better approach for business gifting in 2026.
What is a multi-store gift card?
A multi-store gift card (sometimes called a multi-shop gift card or multi-retailer gift card) is a single gift card that can be redeemed at a range of different shops, rather than just one. Instead of choosing between an Amazon card or a John Lewis card, you give one card that covers multiple retailers.
The idea is pretty simple - more choice for the recipient, less guesswork for you.
Multi-store gift cards have been popular in UK corporate gifting for years, particularly for employee rewards, milestone celebrations, and Christmas gifts. But not all multi-store cards are created equal. The retailer networks, online redemption options, and ease of use vary significantly.
The main multi-store gift cards in the UK
One4All
One4All is one of the most widely recognised multi-store gift cards in the UK. It can be spent at over 140 retailers, including Argos, H&M, Currys, New Look, TK Maxx, and Halfords.
What's good:
- Wide retailer network (140+ stores)
- Available in digital and physical formats
- Well-known brand - most employees will recognise it
- Can be loaded with £10 to £400
The limitations:
- Not all retailers accept it online - some are in-store only, which can be a problem for rurally-located employees
- The activation and redemption process can feel clunky compared to going directly to a retailer's own gift card
- Despite 140+ retailers, there are notable gaps. Some of the UK's most popular brands aren't included
- The card expires, and unused balances can be lost
Best for: Businesses that want broad high-street coverage and don't mind the in-store limitations.
Love2Shop
Love2Shop has been a staple in UK corporate gifting for decades. Accepted at over 100 retailers - including M&S, Argos, TK Maxx, Boots, and Iceland - it's a familiar name in HR departments across the country.
What's good:
- Long-established reputation in corporate gifting
- Dedicated business portal for bulk ordering
- Accepted at well-known high street names
- Available as a paper voucher or digital card
The limitations:
- The brand feels dated compared to newer options
- Redemption restrictions - many retailers are in-store only
- The physical-first approach doesn't suit modern hybrid workforces particularly well
- The retailer list, while long, can still leave people without their preferred shops
- Paper vouchers feel increasingly old-fashioned for employee recognition
Best for: Organisations with existing Love2Shop business accounts, particularly for teams that primarily shop on the high street.
Prezzee
Prezzee is a newer digital gift card platform that lets businesses send gift cards from a range of retailers. Rather than a single multi-store card, Prezzee works more like a gift card marketplace - you choose a specific retailer's card to send.
What's good:
- Digital-first approach
- Growing range of retailer partners
- Business portal for corporate ordering
- Modern, app-based experience
The limitations:
- You still have to pick a specific retailer for each recipient (or let them choose from the Prezzee range)
- The range is growing but still more limited than One4All or Love2Shop
- Relatively newer in the UK market
- Business features are still catching up to more established providers
Best for: Businesses that prefer a digital-first approach and want to send specific retailer gift cards.
The problem with multi-store gift cards
Multi-store gift cards are a step up from single-retailer cards - no question. But they still come with some fundamental limitations that HR teams keep running into:
Retailer gaps are real. Even with 100+ retailers, there's always someone whose favourite shop isn't on the list. The more diverse your team, the more likely this becomes.
Online redemption is patchy. For remote and hybrid teams, in-store-only restrictions are a genuine dealbreaker. If half your workforce works from home, a gift card they can only spend on the high street doesn't feel like great recognition.
They still feel like vouchers. Despite the "multi-store" flexibility, the experience of receiving a One4All or Love2Shop card doesn't feel particularly personal. It's a step removed from "I thoughtfully chose this for you" and a step towards "here's some credit, figure it out."
Unused balances add up. Breakage (the industry term for unredeemed gift card value) is a real issue. Cards get lost in drawers, expire in inboxes, or end up with awkward leftover balances that aren't enough to buy anything useful.
Managing multiple providers is a headache. If you're buying One4All for some occasions, Love2Shop for others, and individual retailer cards for specific people, you're juggling multiple accounts, invoices, and processes.
Is there a better option for business gifting?
This is where the landscape has shifted. Rather than trying to squeeze all your gifting needs into a single multi-store card, platforms like Huggg take a different approach entirely.
Gift cards across every category - from one platform
Through Huggg's gift card range, you can send gift cards across eight categories:
- Coffee shops - Costa, Starbucks, and other favourites
- Takeaway - leading UK delivery platforms
- Retail - high street and online retailers
- Supermarkets - the UK's biggest grocery brands
- Dining and drinks - restaurants, bars, and pubs
- Experiences - spa days, activities, and treatments
- Lunch - quick bites at popular spots
- Treat yourself - a curated mix of indulgence and self-care
There's even a charity shop gift card for employees who'd rather their gift supported a good cause.
Values range from £5 to £300, everything is digital-first, and you manage it all from a single platform - one account, one invoice, no supplier juggling.
Or let your team choose for themselves
If you'd rather not pick at all, Huggg also offers Gift with Choice - where you send a gift and the recipient claims what they actually want from a curated selection. It combines the flexibility of a multi-store card with the thoughtfulness of a personal gift. And you still don't need to collect employee addresses to send. Win win win, right?
For diverse teams where individual preferences vary wildly, it removes the guesswork entirely.
Multi-store gift cards vs Huggg - how they compare
Traditional multi-store cards (One4All, Love2Shop)
- One card, limited to a specific retailer network
- Patchy online redemption - many retailers in-store only
- Physical-first (digital options exist but feel secondary)
- Unused balances can expire and go to waste
- Managing bulk orders can be admin-heavy
- The experience feels transactional rather than thoughtful
Huggg
- Gift cards across eight categories - coffee, takeaway, retail, supermarkets, dining, experiences, lunch, and more
- Digital-first and remote-friendly from the start
- Values from £5 to £300, all managed from one platform
- Option to let the recipient choose (Gift with Choice)
- One account, one process - no juggling multiple gift card suppliers
- Feels more personal than a generic multi-store voucher
FAQs
What is a multi-store gift card?
A multi-store gift card is a single gift card that can be redeemed at multiple retailers rather than just one shop. Popular UK options include One4All (140+ retailers) and Love2Shop (100+ retailers). They give recipients more flexibility than a single-retailer card, though they still have restrictions on which shops accept them and whether they work online.
Where can you use a One4All gift card?
One4All cards are accepted at over 140 UK retailers, including Argos, H&M, Currys, New Look, TK Maxx, Halfords, and more. However, not all retailers accept One4All online - some are in-store only. Check the One4All website for the full, up-to-date list of participating retailers.
What's the difference between One4All and Love2Shop?
Both are multi-store gift cards, but they have different retailer networks. One4All covers 140+ retailers and tends to include more high-street chains. Love2Shop covers 100+ retailers and has a longer history in corporate gifting with dedicated business accounts. Both have in-store redemption limitations. The best choice depends on which retailers your recipients actually use.
Are multi-store gift cards good for employee rewards?
Multi-store gift cards are better than single-retailer cards for employee rewards because they offer more flexibility. However, they still come with limitations - restricted retailer networks, patchy online redemption, and the risk of unused balances. For diverse or remote teams, platforms like Huggg that cover a wider range of categories (including coffee shops, takeaway, experiences, and supermarkets) tend to work better.
Can I buy multi-store gift cards in bulk for my business?
Yes - both One4All and Love2Shop offer corporate accounts for bulk purchasing. Prezzee also has a business portal. Alternatively, Huggg lets you send gift cards across multiple categories at scale from one platform, without needing to manage separate supplier relationships.
What is the best multi-store gift card in the UK?
It depends on your needs. One4All has the widest retailer network (140+). Love2Shop has the longest corporate gifting track record. But if you're looking for maximum flexibility - especially for remote teams or diverse workforces - platforms like Huggg that offer gift cards across categories (coffee, retail, dining, takeaway, experiences, and more) plus Gift with Choice tend to outperform traditional multi-store cards for business gifting.
Send a choice of gifts
Send a specific gift
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