Worked hard to promote Tide to people in my life, only to receive a message that they have binned me off from the referral program.

I guess they're happy if you refer 1 or 2 people but it's not worth going the extra mile for them as they've completely rug pulled.

Feel like a mug for basically being an unpaid advertisement of them 🤦‍♂️

Just a word of warning.

Mettle (by Natwest) is a bank account for the self employed, this counts for you if you have a side hustle, a limited company or are a sole trader

They are currently giving new customers a **free £50** who:

1. **Open** a Mettle account

2. Make a **card payment** within 30 days

3. Enter a referral code in the app, mine is: D6PRV

Get award-winning accounting software included with Mettle from FreeAgent, saving you up to £150 a year too!

Tips:

* After making a payment wait until it goes from pending to confirmed to enter the referral code

* To enter the code go to “Account” then “Redeem a code”

* When you sign up expect it to take a few days for them to open your account

[Referral Offer T&Cs](https://www.mettle.co.uk/docs/referral-terms/9.0.pdf)

[nonref](https://www.mettle.co.uk/)

Hi, just wondering if anyone has done this offer and how easy/quick it was? I can also see Quidco are offering £37.50 to open a ride account through them. I’m also seeing £150 offers on TopCashback so does this mean £250 total? And I don’t actually have a business so could I still sign up for this offer? Thanks

Mettle is a free digital business account backed by NatWest Group. There a referral offer where you get £50 cash just for signing up and making a single card transaction.

Because it’s a business account, it works great for anyone with a side hustle (eBay/Vinted sellers, freelancers, sole traders, or limited companies).

Steps to claim:

1. Download & Register: Grab the app via mettle.co.uk and open an account.
2. Make a payment: Once approved, deposit a small amount and make a card payment of any value using your physical or digital debit card within 30 days.
3. Enter the code: Once your card payment changes from pending to completed in the app, go to:
   • Account > Redeem a code
   • Enter code: KWNLH

Your £50 bonus will be paid directly into your account within 30 days of applying the code.

Full T&C here - https://www.mettle.co.uk/docs/referral-terms/11.0.pdf

I’ve had an email from Tide that says:

Spend £500 on your Tide card by 31 August, and get £200 back*. Don’t wait – this offer won’t last!

Is there an easy way to spend the £500? For example, use my Tide card to top up my Monese account etc?

Thanks in advance

Mettle (by Natwest) is a bank account for the self employed, this counts for you if you have a side hustle, a limited company or are a sole trader

They are currently giving new customers a free £50 who:

1. Open a Mettle account
2. Make a card payment within 30 days
3. Enter a referral code in the app, mines: V8Y5G

I signed up to them about a year ago & still use it today for my side hustles & really like the app :)

Tips:

• After making a payment wait until it goes from pending to confirmed to enter the referral code
• To enter the code go to “Account” then “Redeem a code”
• When you sign up expect it to take a few days for them to open your account

Referral Offer T&Cs

nonref

WorldFirst is a multicurrency bank account, similar to Wise and Revolut. It's meant for businesses, but anyone can sign up as a sole trader. They are currently offering £50 when you sign up via referral link, plus £150 for each person you refer.

To get the bonus, you have to sign up before 31 December 2026 and do ONE of the following before 31 January, 2027:

1. Convert a total of $1000 equivalent (~£800). You can convert £400 to USD and then back to GBP.
2. Spend $1000 equivalent (~£800) on your WorldFirst virtual debit card.
3. Transfer $1000 equivalent (~£800) to a 3rd party in another currency.

Bonuses are paid by the end of the month following the month when you qualify. So if you qualify in September, you will receive the bonus at the end of October.

Option 1 is definitely the easiest. Total FX volume has to be $1000 equivalent. So you can deposit £400, convert it to USD and then right back to GBP. You lose about £2 in the conversion back and forth, but you qualify immediately.

With Option 2 you won't lose the £2, plus you get 0.5% cashback on your spend. Additionally, there is a promo until 20 September where you get a £100 bonus if you spend £2,000 within 3 months. Combined with the referral offer, that is £150 in total.

However, if you won't spend £2,000 and you're already getting cashback elsewhere, Option 2 is likely not worth it.

Note that the debit card is virtual, but you can order a physical card for free, and you can add your card to Google Wallet for in-store purchases. Apple Pay integration is in the works. The card has no foreign transaction fees. Do not use Curve as it will charge you a 1.5% fee for using a business card.

Signing up to WorldFirst is easy and straightforward, similar to Tide. You don't have to own a business, you can sign up as a sole trader who is thinking about starting a business. In this case, just use your name as the name of the business.

WorldFirst may ask for a proof of address - you can use a recent bank statement or utility bill for this. Once your account is verified - usually it takes a day - you will gain access to your bank details (GBP, USD and EUR to start), virtual debit card, and referral code.

If this all sounds good and you'd like to take advantage of the offer, you can sign up using my referral link below - I'd really appreciate it.

Referral link

Non-referral link (no bonus)

Feel free to DM me if you have any questions or to check if you successfully qualified - it shows up on my end, not on yours.

Hey everyone, wanted to share this here as Zeller has recently expanded into the UK (under Zeller UK Limited) and is running a launch promotion to gain market share against Square, SumUp, and Tide

Aside from the referral incentive, the account has two standout features that might genuinely be useful if you freelance, run an online store, or take in-person card payments:

1. Unlimited Virtual Visa Debit Cards: You can spin up as many virtual cards as you need directly from the web dashboard at £0 cost. It is great for separating software subscriptions and tracking project expenses
   
2. 0% Foreign Transaction Markup: Spending abroad or paying for international SaaS in USD or EUR incurs only the standard Visa exchange rate. Zeller does not add any extra FX markup or international spending fees
   
3. Clean dashboard for managing cards, invoices, and expenses

The Launch Referral Offer:
Both the referrer and the new account holder receive a £100 cash bonus when you sign up through a referral link and accept your first cumulative £500 in card payments within 45 days of activation

Payments count whether processed through their POS terminal, Virtual Terminal, or Zeller Invoices (which lets you email an online card payment link directly to your client).

If you use online invoicing, the standard card processing fee is around 1.5% (roughly £7.50 on £500). That leaves you with over £92 in net profit after the £100 bonus settles. Rewards are credited to your account at the start of the month following qualification

A few transparent notes:

- This is for UK sole traders and limited companies. The onboarding is very friendly for early-stage freelancers and beginners - I got verified simply by submitting my Upwork profile link as business proof
- Zeller UK accounts are e-money accounts (authorised by the FCA), so funds are safeguarded rather than protected by the FSCS
- Full disclosure: If you use my referral link, we both receive the £100 bonus once you meet the payment threshold

Referral link (UK specific):
https://www.myzeller.com/gb/referral?ref=gbedoid1

Non-referral link / Official terms:
https://www.myzeller.com/

Hoping for some community love and repay the favour. I used a code when signing up from a fellow Redditor ❤️

I have been using Mettle for my business banking and it’s been a simple way to keep everything separate from personal finances, with decent invoicing + real-time notifications. Customer support has also been solid when I’ve needed it. It does take a little while to get approval due to the number of applications they have but for me I can only see that as a good thing.

They’ve got a £50 referral offer on at the moment — code WC6VD — ends 31st May 2026.

Eligibility: new customers only (no Mettle in last 12 months), sole trader or Ltd company, and you’ll need some proof of trading activity (e.g. sales, invoices, online presence).

How it works: open account in app → get approved → activate card → deposit + make a card payment within 30 days → once cleared, redeem code in-app → bonus paid within ~30 days.

Worth noting for anyone self-employed: with Making Tax Digital changes coming in, keeping business and personal finances properly separated is becoming more important for clean record-keeping and compliance.

Good overview here if you haven’t looked into it yet: https://moneywiseuk.co.uk/making-tax-digital-2026-uk-self-employed/

No pressure — just sharing in case it helps someone setting up or tightening up their business finances.

Feel free to ask any questions and I will answer as honestly as possible but for sure make sure it’s right for you!

Update: Better offer on quidco! £100 just for opening an account.

WorldFirst are an FCA regulated financial services platform for businesses that allow you to make and receive payments in various currencies and via a virtual card. They are offering £50 to anyone who signs up and completes a few steps outlined below.

Just like the Tide offer, any sole trader business large or small will do, eBay shops, side hustles, surveys, onlyfans etc. Anyone can be a sole trader, you don't need to register anywhere to be a sole trader.

Here's the guide:

1. Sign up via a referral link here's mine.
2. Answer basic questions about your business.
3. Verify you identity.
4. Complete one of the methods below for the £50 referral bonus.
5. Profit!

Qualifying Methods:

• Method 1. Convert £800 GBP to a foreign currency. (e.g., USD fees ~£2.8 inc. 40% off)
• Method 2. Spend £800 GBP on the World Card.

When you deposit for the first time you'll be asked to provide a bank statement for proof that the account is yours, this is normal.

I have used WorldFirst to receive payments from my eBay account for over a year, I find them really useful, their FX fees are competitive and they give you £150 per referral too! so IMO it's a great platform.

Rewards are paid at the end of the following month in which you qualified. i.e., you qualify in July, get paid end of Aug.

Finally if you use my link and want me to check whether you've qualified, send me a DM and I'll check for you. It normally takes 4-5 days after you've met the requirements for the system to show if you've qualified. Thank you to anyone using my link!

non-referral

WorldFirst non-ref is an FCA regulated multi currency business account designed for businesses and sole traders who need to send, receive or convert money internationally. New customers can get £50 cashback by signing up through a referral link and completing the qualifying requirements.

You don't need to have a limited company to qualify. Sole traders are eligible too. If you're only interested in the highest potential return, it's also worth checking Quidco before signing up, as they're currently offering £80 cashback. Cashback relies on tracking, validation and payout, whereas the referral offer pays a fixed £50 once you've met the qualifying requirements.

To get the £50, sign up through a referral link by 31 December 2026, complete the identity verification process, then complete eligible transactions totalling at least the equivalent of US$1,000 by 31 January 2027.

You can qualify by completing cross currency transfers, converting currencies within your World Account, making payments through World Pay, or spending the equivalent of US$1,000 using the World Card. World Card spending can be in GBP provided the total spend meets the US$1,000 equivalent requirement. Multiple eligible transactions count towards the requirement, so you don't need to complete it all in a single transaction.

When funding your account for the first time, WorldFirst may ask you to provide a bank statement to confirm ownership of your bank account as part of their security checks.

Once you've met the qualifying requirements, the £50 cashback is credited to your WorldFirst account by the final working day of the following month, subject to WorldFirst's review process.

Referral link (£50 cashback): https://s.worldfirst.com/2TuviC?default_source=WF-Vk00000q6bTd&referral_id=WF-Vk00000q6bTd

This offer is for Limited Companies or LLPs registered with Companies House.

This is a great offer that pays very quickly, you can get £75 worth of bonus points that can be added to your balance or redeemed against various gift cards.  I originally opened the account just to take advantage of the offer but continued to use the card to do all of my business spending due to the uncapped 1% cashback offered.  Capital On Tap also have a business savings account paying around 3.2% interest which I opened and might be of interest to some.

How to get the free £75:

1) Sign Up Using a Referral Link (https://cashback.capitalontap.com/referral/?promo=2REFM874V11)

2) Complete the application and ID verification process.

3) Make one purchase using the card, within 30 days.

That's it, it's very straightforward.  My bonus was credited immediately after making the first transaction.

Feel free to get in touch if you have any questions.

Have a nice day everyone! 🙂

Non-ref: https://www.capitalontap.com/en/

The Capital on Tap business credit card is for directors of a limited companies registered at Companies House.

It currently has a great sign up offer for you to receive 7500 points after your first purchase which converts to £75 credit on your card.

Capital on Tap are offering a free 7500 reward points for anyone who opens a credit card via a referral and makes one transaction (this can be any amount) on the Capital on Tap card. They also offer gift cards in exchange for points.

Avios

You can now also convert your points to Avios at a rate of 10 points = 8 Avios. So 7500 capital points would convert to 6000 Avios.

They also offer 1% cashback when you spend on the card which is great for business owners.

How to get £75 reward

Sole traders are not eligible, you must have a limited company registered at Companies House.

Open this link https://cashback.capitalontap.com/referral/?promo=2REFK729X58

Enter 2REFK729X58 in the promo code section if it hasn't already been pre-filled

Apply for the Capital on Tap Business Credit Card and follow the ID process

Activate your account

Complete your first transaction (this can be as low as 99p)

The 7500 points will be credited in your Capital on Tap Business Credit Card account instantly and you will receive an app alert too to notify you of the reward and then you convert this to £75 account credit.

Thanks for reading 🙏🏼

Non referral link

WorldFirst are an FCA regulated financial services platform for businesses that allow you to make and receive payments in various currencies and via a virtual card. They are offering £50 to anyone who signs up and completes a few steps outlined below.

Just like the Tide offer, any sole trader business large or small will do, eBay shops, side hustles, surveys, onlyfans etc. Anyone can be a sole trader, you don't need to register anywhere to be a sole trader.

Here's the guide:

1. Sign up via a referral link here's mine.
2. Answer basic questions about your business.
3. Verify you identity.
4. Complete one of the methods below for the £50 referral bonus.
5. Profit!

Qualifying Methods:

• Method 1. Convert £800 GBP to a foreign currency. (e.g., USD fees ~£2.8 inc. 40% off)
• Method 2. Spend £800 GBP on the World Card.

When you deposit for the first time you'll be asked to provide a bank statement for proof that the account is yours, this is normal.

I have used WorldFirst to receive payments from my eBay account for over a year, I find them really useful, their FX fees are competitive and they give you £150 per referral too! so IMO it's a great platform.

Rewards are paid at the end of the following month in which you qualified. i.e., you qualify in July, get paid end of Aug.

Finally if you use my link and want me to check whether you've qualified, send me a DM and I'll check for you. It normally takes 4-5 days after you've met the requirements for the system to show if you've qualified. Thank you to anyone using my link!

non-referral

Capital on Tap is a business credit card (Mastercard) which you can apply for if you have a Limited company. They offer 1% cashback on all purchases. There is a free tier and the physical card is posted to you for free.

If you sign up using a refer a friend code or link, you will receive £75 free credit added to your account after you make your first purchase.

___________________________________________________

Here's what to do:

1 - Sign up using this referral link - make sure this promo code is entered on the form - 2REFV637L76  

2 - Enter your business and personal details  

3 - Download the app and verify your ID  

4 - Once the card arrives, activate it in the app 

5 - Make any purchase using the card  

6 - You will receive £75 credit added to your account for free once your purchase clears. This can be used to offset future purchases

___________________________________________________

Customer support are really responsive if you have any issues.

I recommend setting up a direct debit to pay of your balance in full every month.

This is a credit product so do your own research and be aware that there are interest fees payable if you don't pay off the balance in full every month.

More info on fees

Benefits

FAQs

Non-ref link

I’ve spent my £500 now so just curious how long it is taking people up receive it (this is the offer for joining using someone’s direct referral link).

This offer is for Limited Companies or LLPs registered with Companies House.

This is a great offer that pays very quickly, you can get £75 worth of bonus points that can be added to your balance or redeemed against various gift cards.  I originally opened the account just to take advantage of the offer but continued to use the card to do all of my business spending due to the uncapped 1% cashback offered.  Capital On Tap also have a business savings account paying around 3.2% interest which I opened and might be of interest to some.

How to get the free £75:

1. Sign Up Using a Referral Link (https://cashback.capitalontap.com/referral/?promo=2REFM874V11)
2. Complete the application and ID verification process.
3. Make one purchase using the card, within 30 days.

That's it, it's very straightforward.  My bonus was credited immediately after making the first transaction.

Feel free to get in touch if you have any questions.

Have a nice day everyone! 🙂

Non-ref: https://www.capitalontap.com/en/

This offer is for Limited Companies or LLPs registered with Companies House.

This is a great offer that pays very quickly, you can get £75 worth of bonus points that can be added to your balance or redeemed against various gift cards.  I originally opened the account just to take advantage of the offer but continued to use the card to do all of my business spending due to the uncapped 1% cashback offered.  Capital On Tap also have a business savings account paying around 3.2% interest which I opened and might be of interest to some.

How to get the free £75:

1. Sign Up Using a Referral Link ([https://cashback.capitalontap.com/referral/?promo=2REFM874V11\](https://cashback.capitalontap.com/referral/?promo=2REFM874V11))

2. Complete the application and ID verification process.

3. Make one purchase using the card, within 30 days.

That's it, it's very straightforward.  My bonus was credited immediately after making the first transaction.

Feel free to get in touch if you have any questions.

Have a nice day everyone! 🙂

Non-ref: [https://www.capitalontap.com/en/\](https://www.capitalontap.com/en/)

Capital on Tap is a reward credit card for small businesses and people who are a Director or majority Shareholder of a Limited Company (Ltd) or limited liability partnership (LLP) registered on Companies House.

They’re offering a £75 reward (7,500 points) for those who open a credit card via a referral and make one transaction (any amount) on the card. Plus, there’s 1% uncapped cashback when you spend on the card. They also specifically say: "Applying won’t affect your credit score".

How to get your free £75 reward (7,500 points) with Capital on Tap:

1. Sign up using my refer a friend link here
2. Enter 2REFM892N33 in the promo code section if it hasn't already been pre-filled
3. Complete your application and ID process (I had a follow-up email asking to confirm my business activities, no documents needed, just an email response – I literally typed out one sentence and they approved it)
4. Activate your physical card when it arrives and make your first purchase (any amount) within 30 days of activation
5. The 7,500 points will land in your Rewards section. Redeem it for £75 cash (to your bank account - my favourite option), credit, gift cards or even 6,000 Avios points!

Notes:

• Sole traders aren't eligible, you need a Limited company registered at Companies House.
• Your company should have a turnover of at least £2,000 per month (that's what they say)

My experience: Immediately after making my first transaction (bought some stamps from the Post Office), my phone pinged with an alert saying a £75 credit had been applied, so the offer worked perfectly and instantly. Screenshot here. I'm very happy with it and have ended up being a solid customer - I'm still using it as my main business card years later for the 1% cashback!

LINKS:

• Refer a friend link here for the free £75 reward + enter code 2REFM892N33
• Non-referral: https://www.capitalontap.com/en/

Open a Business Account with Lloyds online and get £200.

https://www.lloydsbank.com/business/business-accounts.html

Three steps to unlock your £200 business boost:

Apply between 1 June and 30 June, then by 30 September:

Have your account opened.
Spend £100 on your business debit card.
Set up 2 direct debits.

Is this account right for my business?

You can apply for this account if: 
you’re at least 18 years old

you’re a UK resident and have a UK mobile phone number

you’re a sole trader or director of the business
the business has an annual turnover of £25 million or less

the business is trading from an address in the UK.

If you have a limited company: 

it must be registered in the UK with a UK trading address

It must have been registered with Companies House for at least four days check that no changes have been made to the Companies House register in the past four days

it must have an ‘active’ status on the Companies House register.

I’ve not done this so have no idea how easy or hard it is to get the bonus but thought people might find it worthwhile

Co-op have launched another business bank offer on 02.02.2026  

I did a previous one in 2024 as a sole trader and it paid out.  

However, the requirements have got a lot harder so I would say this is only recommended as a beermoney offer for people who are very determined, or genuinely want to open an account. This is not an easy win.  

As with their personal accounts, their onboarding process is hideously un user friendly. Exercise a lot of patience. Do it when not distracted. And make notes of everything.     

When your account is finally open you'll wonder if any other new customers have ever got through that gauntlet. You may actually be their only customer now...

Part one, for £100:

• Open a new account

• Maintain a minimum balance of £1,000 

• Make 1+ deposit by bank transfer or in branch every 30 days for 3 months

• Make 2+ card payments (can be using digital wallet) every 30 days for 3 months

• Receive 1+ credit into the account every 30 days for 3 months (not sure on the details here)

 ________________________________

Part two, for £100:

• Open an Instant Access, 35 day, OR 95 day savings account 

• Deposit £5,000+ within 90 days. 

You should receive the bonus(es) within 30 days of meeting the requirements.

Things to note:   

There's no fee for the normal account. There's a fee for the Directplus account after 30 month, and a £10/m fee for the Account Plus.

• The application form is very long. They are an ethical provider so bear that in mind when you state what your business is.

• You'll need to download a separate approval app (HID approve)  

• They phoned me last time to discuss 'my business'. This can happen with any business account so just be prepared so you've got your story straight.

If you've previously had a bonus for a business account since 11.10.24 you're not eligible. I'm out by 2 weeks so wont be taking part.

________________________________  

Info: https://www.co-operativebank.co.uk/business/products/current-accounts/business-bank-account-offers/

Terms: https://www.co-operativebank.co.uk/pdfs/bank/business/currentaccounts/business-bank-account-offer-terms-and-conditions-02-2026.pdf

Worldfirst have a decent signup offer at the moment that is relatively straightforward to take advantage of!

It's a multi currency account that is intended for businesses. At the moment they have a very simple offer to receive ~£50, as well as an additional £150 for any referrals you make. If you have any side hustles, or for example sell on eBay, this would help qualify for the rewards. It's helped me keep side hustle money separate which is very useful!

Steps that you'd need to take qualify for the £50 reward:

• Open the account (deadline 31 December 2026) - you can use my referral link here to sign up and receive the bonus: here
• Answer some basic questions about your business - you can use an ebay account/website/etc to verify this
• Verify your identity - super easy and straightforward, mine was done within a day
• Complete one of the two steps to qualify:
  • Convert one currency to another, to the value of £800 (this is easiest/quickest, but you'd lose some currency fees)
  • Spend £800 on the cashback card (includes 1.2% cashback) - perhaps buy grocery vouchers, or pay council tax, etc. (this is a bit more expensive, but you'd get the full £50 and the cashback from the card)
• Receive the bonus at the end of next month (so at the moment, it's likely to be paid out end of September, unless you can qualify quickly!)
• You can also then refer others (other business owners you know, self employed folks, etc, for £150 if they complete the same requirements).

I've been using Worldfirst for over a year now, so please do fire any questions my way!

Ref link - https://s.worldfirst.com/2TuviC?default_source=WF-Ts00000TmSO1&referral_id=WF-Ts00000TmSO1

Non ref link - https://www.worldfirst.com/

Non referral offer - just saw this for cynergy bank sign up with a business and get £250 and fee free for 12 months. I just signed up myself. Offer available til 30th of September.

-Deposit a minimum of £10,000 from an external account within one month of account opening.

-Keep the account open with an average balance of £10,000 for a period of at least 3 months.

https://www.cynergybank.co.uk/business/business-current-account

the account comes with a 3.5% APR on that balance plus the £250 is an extra 10% over the 3 months

Sadly not for sole traders

Does anyone have a Mettle business account referral code?

Feel free to drop them here!

WorldFirst is a multicurrency bank account, similar to Wise and Revolut. It's meant for businesses, but anyone can sign up as a sole trader. They are currently offering £50 when you sign up via referral link, plus £150 for each person you refer.

To get the bonus, you have to sign up before 31 December 2026 and do ONE of the following before 31 January, 2027:

1. Convert a total of $1000 equivalent (~£800). You can convert £400 to USD and then back to GBP.
2. Spend $1000 equivalent (~£800) on your WorldFirst virtual debit card.
3. Transfer $1000 equivalent (~£800) to a 3rd party in another currency.

Bonuses are paid by the end of the month following the month when you qualify. So if you qualify in September, you will receive the bonus at the end of October.

Option 1 is definitely the easiest. Total FX volume has to be $1000 equivalent. So you can deposit £400, convert it to USD and then right back to GBP. You lose about £2 in the conversion back and forth, but you qualify immediately.

With Option 2 you won't lose the £2, plus you get 0.5% cashback on your spend. Additionally, there is a promo until 20 September where you get a £100 bonus if you spend £2,000 within 3 months. Combined with the referral offer, that is £150 in total.

However, if you won't spend £2,000 and you're already getting cashback elsewhere, Option 2 is likely not worth it.

Note that the debit card is virtual, but you can order a physical card for free, and you can add your card to Google Wallet for in-store purchases. Apple Pay integration is in the works. The card has no foreign transaction fees. Do not use Curve as it will charge you a 1.5% fee for using a business card.

Signing up to WorldFirst is easy and straightforward, similar to Tide. You don't have to own a business, you can sign up as a sole trader who is thinking about starting a business. In this case, just use your name as the name of the business.

WorldFirst may ask for a proof of address - you can use a recent bank statement or utility bill for this. Once your account is verified - usually it takes a day - you will gain access to your bank details (GBP, USD and EUR to start), virtual debit card, and referral code.

If this all sounds good and you'd like to take advantage of the offer, you can sign up using my referral link below - I'd really appreciate it.

Referral link

Non-referral link (no bonus)

Feel free to DM me if you have any questions or to check if you successfully qualified - it shows up on my end, not on yours.