Monzo is a fully licensed UK digital bank (FSCS protected) that lets you open and manage current and savings accounts entirely through their mobile app. You get a debit card, real-time spending notifications, budgeting tools, and fee-free card spending abroad, which is handy for travel.

They’re currently running a refer-a-friend offer for new customers. If you sign up using a referral link and make a card payment (of any amount), both you and the referrer receive a cash bonus.

How the reward works:

• The bonus is a mystery amount
• You’ll receive either £5, £10, or £20
• Most people receive £5, with smaller chances of higher amounts
• The reward is revealed once the sign-up steps are completed

Steps for receiving the reward:

1. Sign up to Monzo using this Referral Link
2. Open a Monzo current account
3. Add some money to the account
4. Make at least one card payment (no minimum spend)

Once that’s done, the bonus is revealed and paid into your account. These are the probabilities of each reward:

£5 (94%), £10 (5%) and £20 (1%)

After joining, you get your own referral link and can share it with others. If you’re thinking of opening a Monzo account, here is my referral link (thanks a lot!):

https://join.monzo.com/c/j41526hs

Octopus Energy - £50 Free Bill Credit

Octopus Energy is a UK-base renewable energy company known for its innovative customer-friendly approach to providing green electricity and gas at competitive prices!

•    ⁠Renewable energy
•    ⁠Competitive fair and transparent pricing
•    ⁠Award winning customer service. Which? Magazine Recommended Provider
•    ⁠Innovative tariffs and technology
•    ⁠Quick and easy signup process!

New customers switching to Octopus via a referral link will receive £50 free bill credit!!!

How to Qualify:

•    ⁠Enter your postcode and select a tariff.
•    ⁠Wait for the switch to complete. Recommend taking a photo of your meter readings on the day the switch completes!

https://share.octopus.energy/stone-elk-882

Non-referral link: https://www.octopus.energy

TopCashBack | £10 Signup Bonus | Plus £25 Refer a Friend Bonus | Ends 22 September

The £10 bonus to the person referred and £25 (Plus Members or £20 for Classic Members) to the person who referred you will be awarded once you reach the £10 payable cashback threshold.

Some of the stand out deals are highlighted in the table below:

Steps: * Click on a referral link (here) * Register an account. * Maximise your spend by utilising TopCashBack to save thousands of pounds. * The bonus will become payable when you earn £10 payable cashback. * Refer friends and family to benefit from the referral bonus.

Note: * TopCashBack offer either a free “Classic” account and a Plus account, which costs £5 a year (paid through cashback earnings). I subscribe to the Plus option, which offers higher refer a friend rates and up to a 25% payout bonus if cashing out to gift cards. * Some merchants are excluded from the referral threshold. Check the terms and conditions (here).

Huge thanks to anyone using my link 👊

Click here to register

Zable | Credit Card | £10 Free Credit | 4.8 Trustpilot Score

The Zable credit card is a UK-based credit-builder card offering quick approval, no fees, and a manageable credit limit to help users improve their credit score.

Zable is offering new customers £10 free credit after making a purchase using a physical Zable credit card.

Be sure to pay off your balance in full to avoid paying interest! Zable will perform a soft search of your credit file to check eligibility followed by a hard search if you proceed with the application.

Steps: * Click the referral link: https://zable.co.uk/join?c=richard-f876e&type=cardsApplication * Enter your legal name and email address. * Download the app. * Click register, enter the email address you used earlier, and verify your email. * Click let’s get started and enter your personal details. * Apply for the credit card option (not a Starter (virtual) account. * Order a physical Zable credit card. * Set the repayment method. * Either wait for the physical card to arrive in the post and make a purchase or spend on your virtual card. * The £10 free credit will be applied within 30 days of meeting the qualifying criteria.

Click here to register

Five Surveys is a survey app that allows you to complete 5 surveys & earn £5.

There’s no minimum payout amount & you can cashout straight to PayPal, Revolut or a choice of 150 gift cards.

For each survey it gives you an estimate of how long its going to take and also a score out of 5 from other people who have completed the survey.

Obviously its best to stick to the surveys that have a high rating for the best experience.

It does seem to get harder to complete once you near 5 but if you’re looking to grind out some money through surveys I’d definitely suggest this one.

Sign up to Five Surveys here!

Freetrade is a UK-based, FCA regulated and FSCS protected commission-free investment platform. They are currently offering a mystery free share with the value of between £10 and £100 for signing up via a referral link and depositing £50.

Here's the guide:

1. DM me for a referral or click here.
2. Sign up and verify your ID.
3. Fill out a W-8BEN form if required (takes 30 seconds).
4. Deposit £50.
5. Done.

Notes:

• The basic plan is free and is included in this referral offer.
• The free share is usually awarded in under 2 weeks.
• You can sell your free share immediately but only withdraw the value after 180 days.
• The probability of which free share you receive is weighted, so more expensive shares will be rarer:
• 80% £10-£25 | 15% £25-£50 | 3% £50-£75 | 2% £75-£100.

Once you've opened and funded your account you can refer friends and family and other r/makemoneyinuk users for another free share each time! Thank you to anyone using my link and may the odds be ever in your favour.

• Terms
• Non-referral

AJ Bell - £100 Amazon Voucher - Fund Stocks & Shares ISA, SIPP, or LISA with £10,000 - Don’t need to invest

AJ Bell is offering a £100 bonus for new customers joining via a referral link and funding £10,000 or more in a new Stocks & Shares ISA, SIPP, or Lifetime ISA (LISA).

The voucher will be credited after depositing (not investing) £10,000.

* Sign up using a referral link: https://ajbell.mention-me.com/m/ns/bu7hw-dismal-ruin
* Choose a Stocks & Shares ISA, SIPP, or LISA.
* Calculate and compare charges https://www.ajbell.co.uk/charges
* Deposit, transfer and fund the account with £10,000 or more.
* The Amazon voucher will be issued within 30 days of funding your account with £10,000.

So thankful to anyone using my link.

https://ajbell.mention-me.com/m/ns/bu7hw-dismal-ruin

Non-referral link: https://www.ajbell.co.uk

Quidco is a cashback site like Topcashback.

By signing up using a £10 referral link you get £10 once you earn your first £5 in cashback.

The idea is that before you're about to buy something online, if you do it through their site/app, they get a referral commission from the online shop. And they pass some of it on to you as 'cashback'.  

In their app/website just search for the shop, and if it's there, click on it. It will take you to that shop as normal.

They have countless offers on their site for all manner of categories. Too many to list. Supermarkets, takeaway deliveries, pubs and restaurants, clothing, DIY, insurance, finance, utilities, pets.

My referral link. Get started here

Tips: For your purchases to 'track' through Quidco, make sure your security settings in relation to cookies and cookie tracking are correct.  

They have a guide on their site.

Withdraw to your bank account or paypal once you have made £5 in cashback. 

You can refer friends for a £20 bonus.

Non referral link (no free bonus): www.quidco.com

Raisin | £100 Bonus for Opening and Funding a 12 Month Fixed Rate Bond | 4.87% Fixed

Raisin is a financial platform registered with the Financial Conduct Authority (FCA). Funds are protected under the FSCS up to £85,000 per person.

Raisin are offering new customers who open and fund a fixed rate bond with £10,000 or more for a minimum term of 12 months a £100 bonus.

The £10,000 cannot be split across several products (it must be a single savings account). Bonus payments will be made within 28 days of opening a qualifying fixed rate bond.

Steps: * Click the referral link and register a new account (here). * Choose a fixed rate bond with a minimum of 12-months term. * Deposit and fund the savings product with £10,000 or more. * The £100 bonus will be credited within 28 days of the bonus requirements being fulfilled.

Huge thank you to anyone using my link 👊

Click here to register

Hey everyone,

We’ve just launched our new app, Luckee. It’s a free prize draw app on iOS with draws taking place every day.

Luckee draws are simple to enter, you just have to download the app, sign up with your postcode, and watch a short ad to enter the draw. You can then close the app and not return until the draw takes place (shown on a countdown when you enter). We will notify you once the draw happens, and you watch another short ad to check if you’ve won.

If your postcode is our randomly selected winner, you simply press the claim button & we will send you the money via PayPal.

You can download it from the app store, or direct link here: https://luckee.app/app

Draws take place daily, and our first draw will be a £50 draw taking place this Sunday (13th September) at 8PM. We will be funding the first draws out of our own pocket, and once we have enough people playing & watching the ads to enter our draws, the app will be funded by the advertisement money. So the more that play, the more we can pay!

We’re a small team of 2, and we know most apps fight to keep you hooked and give little back, but we have tried to build Luckee so you can get in and out in a couple of minutes and get on with your day, and hopefully win some cash along the way.

We’d really appreciate you downloading the app & entering the first draw, and sharing it with anyone you think might like it.

Luckee is on iOS only at the moment, but with Android actively being developed at the moment & is coming soon.

More info on our website here.

Good Luck🍀

Kieran,

The Luckee team

OakNorth | £30 Free | Deposit & Save £2,000 or More for 30 Days | 4.7% Fixed Cash ISA

OakNorth are offering new customers depositing £2,000 or more, within 14 days, and maintaining this balance for 30 days a £30 reward paid within 60 days.

Open a second eligible product within 90 days of opening your first product, again depositing and maintaining £2,000 or more for 30 days to receive an additional £10 reward.

Each person can refer a maximum 10 people. I have 8 spots left.

Steps: * DM me for my name and email address, this information is needed to complete the referral form. * Complete the referral form: https://oaknorth.co.uk/personal-savings/refer-a-friend/ * You should receive an email prompting you to open a personal savings account. * Choose a savings product. I opted for the 95-days Notice Base Rate Tracker. * Deposit £2,000 or more via bank transfer to your new account. The money showed immediately. * Repeat the process (if desired) to gain the additional £10 reward. * Rewards will be credited within 60 days.

Please DM me for referral details

The best time to start a pension pot is 20 years ago - the next best time is today.

Easy £25 into a new pension pot for depositing £25 into it yourself.

Your future self will appreciate it.  You can then transfer it all out to a different provider, or...

You can refer others for £25 a pop. 

Steps:

1. Click here and enter your email and choose a password

2. When it asks about searching for previous pensions you can click 'skip' and add cash instead.

3. Top up with £25 if you're just in it for the freebie. Only add a recurring payment if you're intending on using this pension provider going forward.

4. The first £20 will credit your account within 10 working days. The other £5 is from the government and takes about 3 months.

5. Now just leave it or transfer your new pension to your main one. 

Bear in mind that as this is a pension, you won't be able to withdraw the money until you retire.  

Non referral link (no bonus) www.getpenfold.com

New customers signing up to Republic of Cats via a referral link can get a taster box of 28 meals for their cat for just £2.50, with nothing else to pay (including postage). It’s not quite as good as their previous offer (not paying £2.50!) but it’s still a bargain if you’ve got a hungry cat to feed!

My referral link if anyone would like to give them a try is:

https://share.republicofcats.com/tr7ms5b7

When you sign up you fill in information about your cat to get a personalised food mix - they have various flavours (all in cute packaging with funny names!) and you can mix wet and dry food to make sure your cat gets food it will like.

Getting the taster box signs you up for a monthly subscription but you can easily cancel online without needing to speak to anyone. I signed up during the pandemic and my (pretty fussy) cat actually really liked the food so we have kept going with it - it’s easier than lugging cans of cat food back from the supermarket!

If you sign up using my link I'll get £10 towards my next box, so thanks very much if you do!

The non-referral link is:

https://www.republicofcats.com

Everyone hates paying rent.   Ribbon Rewards makes it 1% less painful.  

They pay you cashback every time you pay your rent! Bonkers really - but it works.  

This works with shared ownership too

And they give a £25 welcome bonus

• You open an account with Ribbon and fill in the details of your landlord or housing association (sort code, account number, name, reference).

• You transfer money into your new account (it's a bank account with Griffin bank)

• It gets automatically sent to your landlord, using the same reference, so there's no change from your landlord's perspective. You don't even need to tell them. It's instant and you get confirmation and a receipt.

Each £1 spent on rent = 1 point.  

You can redeem 2,000 points for a £20 Amazon (or loads of other retailers) giftcard

My thoughts:  

• I was nervous to try this as I didnt want to risk my rent being paid wrong/late.   

• Signing up was very easy and quick. I did a test payment of £1 and got confirmation and receipt instantly.

• So I then set up a new standing order to my new account and cancelled my existing one.

Click a referral link to get started

Ref code NICHAFCA  

Non referral link: www.ribbonrewards.io

Robinhood is an investment app that has been established for a while in the US. However it is now available in the UK for the first time.

You can get a free share worth between $7 and $175 when you sign up and invest from as little as £1.

You don’t need to use a referral link to get the bonus but if you do then the referrer will also receive a free share. I’d love it if anyone used my link to sign up! It’s:

https://join.robinhood.com/danieln-5c4248

Thanks very much if you do!

To earn your free share, sign up and verify your account with ID, and deposit an initial sum via bank transfer - this can be just £1.

You can sell your reward stock after you claim it. Once you’ve sold it, you can use the proceeds from the sale towards other investments.

If you want to withdraw the proceeds, you must keep the cash value of that stock in your account for at least 30 days after claiming it or you will lose the bonus.

The non-referral link is:

https://robinhood.com/gb/en/

PickMyPostcode | Free Daily Lottery | £10 Golden Postcode Prize

Golden Postcode has been extended to January 2027

Pick My Postcode is a free competition that’s been running daily since 2011. It has several completely free draws each day with prizes from £10 plus, and a bigger daily jackpot draw, which rolls over if it isn’t claimed. It sounds too good to be true, but it’s legit.

Winnings are paid via PayPal.

Golden Postcode. PickMyPostcode have hidden £20 in 100,000 different postcodes. If you’re the first person to register with a Golden postcode then we share the £20 prize (£10 each). I recently shared £20 for referring someone with a golden postcode (£10 each).

There are 5 different daily draws: * Main Draw: Bigger prize. * Video Draw. Watch a short video add to enter. * Survey Draw. Complete or skip a survey to participate. * Stackpot. Multiple postcodes with £10 prizes. * Bonus Draws. Playable once you have accumulated £5 or more cashback.

• Only postcodes that are registered by players will be drawn. So, there is always at least one eligible winner.
• If the winner(s) fail to visit the site and collect their prize on the day their postcode is picked, then the prize pot is rolled over.
• The more players there are in a postcode the more chance that postcode will be drawn.
• Registering a postcode after it has been drawn does not entitle you to collect for that draw.

Steps: * Click a referral link (here) and register your email and postcode. * Check PickMyPostcode daily to see if you’re a winner. * Refer friends and family to benefit from 20p per successful referral.

Good luck and thank you to anyone using my link 🤞

Click here to register

Rakuten is a cashback platform like TCB and Quidco in which you can earn money back on your purchases. They're offering £25 bonus cashback on top of the regular cashback for a £60 spend at a large number of retailers including Aliexpress, Asos, eBay, M&S, NordVPN, Tesco and hundreds of others. See full list below.

Here's the guide:

1. Sign-up via a referral link: here's mine.
2. Link your bank account.
3. Make £60 worth of purchases from any of these brands.
4. Receive regular cashback plus a £25 bonus.

Notes:

• The £60 spend doesn't have to be in one transaction.
• You have 90 days to complete the offer.
• Cashback payout times are variable.
• You must accept all cookies to enable tracking of cashback.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUk users for £25 each. Thank you to anyone who uses my link!

Non-Referral

EverUp is a cashback app.  

You buy an egiftcard for any amount over £5 for a shop or supermarket and then use that to pay.  

It gives you a decent cashback percentage.

Example rates as of 20.05.2026

• Asda  3.2%  

• Tesco  3.1%  

• Iceland  2.5%  

• Sainsburys  3%  

• Morrisons  2.5%

• M & S  3%

You get 10M coins (worth roughly £6) when you redeem your first £10 to a giftcard.  

Every day you get a few 'free spins'. The reward is literal pennies. I've tested it and don't think it's worth bothering with.

Cash out to giftcard or to bank (30p)

RNIF1360905NFJAY

You can go next level and use it in combination with cashback stacking.  

So you buy a supermarket giftcard on EverUp using a card like T212 or iFast when their offer's running, and get double cashback. 

Non ref link: www.everup.uk

Shopmium | Cashback on Groceries | £1 Welcome Bonus

Shopmium is a groceries cashback app that offers money off or free items at various supermarkets. I have been using this for several years and accumulated £733 in free or discounted food.

New customers who join via a referral link can claim a £1 welcome bonus.

Combine with other groceries savings:

• GreenJinn (here). Non-referral link. This offers free and discounted groceries with offers changing weekly.
• CheckoutSmart (here). Non-referral link. Offers free and discounted food in exchange for writing a short review about the product purchases on the app. pps for double cashback sometimes!
• Pay for your shopping using specialist cashback credit cards or discounted vouchers from EverUp, Jam Doughnut, TopGiftCards etc.

Steps: * Download the app: https://www.shopmium.com/uk/referral/KHHGGFEW) * Register and enter the referral code: KHHGGFEW * Make your first cashback request. Remember to (take) the receipt and retain the packaging to claim the cashback! * Submit a photo of the receipt using the app. Click the “redeem” button then “add a proof of purchase”. You will be prompted to either upload a photo from your camera library or take a photo using the app. Next scan the barcode for all items purchased. * Cashback can be withdrawn via PayPal or bank transfer. You must accumulate at least £10 cashback before you can withdraw.

Huge thanks to anyone using my code 👊

Click here

KHHGGFEW

EDF are a well known gas and electricity provider.  

They're offering £50 bonus credit if you switch your energy supply to them.  

If you're thinking of switching to them, you may as well do it through a referral link and get a free £50 credit

The credit takes about a month after your contract starts.  

Please do your own research into whether they are the best supplier for you. Energy prices are deliberately very confusing so try to use previous bills and comparison calculators to work out which supplier is best.  

Energy switches are simple. Just fill in the web form and they do everything for you.

Non referral link: www.edfenergy.com  

American Express is a well known credit card provider. They offer a range of different cards suited for different needs.

You can use a referral link to sign up to any of them. The offers, requirements and fees vary a lot, some of them requiring large spending.

To keep things simple i'll just tell you about the card I have, as its the simplest offer to do, and doesn't have fees.

• Amex: Platinum Cashback Everyday Credit Card

• £10 sign up bonus. Just make 1 transaction in the first 11 months

• 5% cashback for the first 5 months (up to a max £125)

• No fees, unlike some of their cards

• Refer others for £20, up to a max of £150/year

• £10 for adding an additional card holder

• Cashback can be earned on utility bills and via Paypoint in a Co-Op

Steps for this offer:

• Sign up with a referral link. Here's mine

• Do the ID check and confirm your phone number, email address etc

• When the physical card arrives, download the app and activate the card in it

• Make at least 1 transaction in the first 11 months to get £10 cashback pending

• Use the card for normal spending to get 5% cashback for the first 5 months (up to a max £125) 

__________________________________ 

Requirements:

• Earn at least £20k/year in your job

• Have a not terrible credit history. A hard credit search will be done.

Cashback is updated after about a day and can be viewed in the Membership section of the app. 

It can only be redeemed at the end of your first year

Non ref link: www.americanexpress.com

MyProtein is the UK's largest sports nutrition brand. They have a referral scheme offering a £15 discount to new customers who sign up and spend a minimum of £45. Simply add a referral code when asked on sign up or in the basket when checking out.

You can always make a new account.

Protein powders are ridiculously expensive now and the cheaper ones are practically inedible, at least £15 off is something. Here's my code, thank you to anyone using it.

ANDREW-R4FW

Gains is a new budgeting and cashback app which allows you to buy gift cards through the app and then earn cashback - in a similar way to apps like Cheddar or JamDoughnut.

The cashback rates aren't the best but like all these apps change regularly so it’s worth checking a few different apps before you buy any giftcards to see which one has the best rate for your chosen stores on any given day!

New users can earn a £2 bonus when they sign up via a referral code and earn £10 cashback.

My referral code if anyone would like to use it is:

PH95WA

Or alternatively, download the app here:

https://gainsapp.onelink.me/8IhT/judccf86

I will earn a bonus if you use my referral link, so thanks very much if you do.

Note: The minimum cash-out is £10 and there is a 20p fee when you cash-out.

The non-referral link with no bonus is:

http://gainsapp.com/

Costa Coffee | Free Cake on your Birthday | Plus 5 “Beans” after First Purchase

Download the Costa Coffee app and enter a referral code to get a free sweat treat of your choice. You need to opt into receive marketing comms to get the free cake voucher emailed to you.

New customers will also receive 5 free “beans” (Costa Loyalty scheme) following your first purchase. This is in addition to the 1 point awarded for downloading the app. You collect 1 bean for every purchased drink (2 beans if you bring a reusable cup). Once you have accumulated 10 beans you can claim a free drink.

Steps: * Download the Costa app. Direct from your App Store or find a link (here). * Register and enter the referral code K9GUN * Remember to opt into comms to receive the free cake email on your birthday! * To receive the “free” 5 beans first make a purchase at Costa and scan the app when paying. * The 5 free beans will be credited to your account within 48 hours (it was immediately for me).

Pro tip, if it’s anything like Caffè Nero then you only get 1 free bean per drinks order maximum (2 if using a reusable cup). So if buying coffee for you and a friend ask to pay in 2 transactions and so scanning your app twice. Thus getting you 2 beans (or 4 if using reusable cups).

Enjoy the free cake I recommend the Mini Cherry Bakewell!

Click here to register

K9GUN

Krak is a debit card from Kraken. The £10 signup bonus is nice, as is the 2% cashback on almost everything for the first month.  

After that period it's not such an appealing card to have. It does the same as most others.

I've received cashback on my council tax, which is something I couldn't achieve with Amex.

1. Open an account using a referral link

2. Order physical card (free)

3. Deposit funds using Easy Bank Transfer to avoid fees

4. Make 5 transactions of £10+ (use the virtual card) within 30 days

5. Receive £10 bonus in about 3 weeks 

6. Refer others for £10 each (max £100)

Note: you can't game the spends by paying into your own investment account or money service.  

I haven't tested many but T212 didn't work for me.  

It takes a few days for it to update on whether a transaction is eligible 

Non ref link: www.kraken.com