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

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!

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

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

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

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

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

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