131 UK Free Money Offers & Welcome Bonuses (2025)

Get free money when you sign up - earn up to £200 in welcome bonuses across banking, investing, energy and more

On Scrimpr, I compare sign-up offers from brands looking to attract new customers with generous welcome bonuses

Scrimpr

Updated December 26, 2025

ℹ️ Advertiser Disclosure

Get up to 10% cashback on your investments (up to £200)

Commission-free UK stock trading with 4% interest on cash balances.

✓ Invest at least £50 by 31 Dec 2025

✓ Keep invested until 31 March 2026

✓ Cashback credited by 30 April 2026

Get 10% Cashback

Capital at risk. T&Cs apply. FCA: 944492

UK companies across banking, investing, energy, and other sectors offer welcome bonuses when you sign up and meet their terms. These bonuses can provide valuable rewards, but it's important to understand the conditions and requirements before signing up.

What You Need to Know

Eligibility: Must be 18+, UK resident, and typically a new customer
Conditions: Minimum deposits, spend requirements, or hold periods often apply
Investment offers: Free shares are usually weighted (60-80% receive minimum values)
Timing: Bonuses can take days to months to be credited
Tax: Some bonuses may be subject to income tax and capital gains tax
Terms: Always read the full terms and conditions before signing up

Related guides: Compare platforms with my investment platform comparison table. Calculate costs using my ISA platform fee calculator. Also check bank switching bonuses, refer-a-friend offers, and cashback sites for more ways to boost your finances.

Best UK Free Money Sign-Up Offers (October 2025)

Compare welcome bonuses across banking, investing, energy, and more. Offers updated regularly.

#	Platform	Category	Min Spend	Your Reward	Friend Reward
1	Gousto Featured	Food and Drink	-	65% discount	N/A
Gousto is the best meal kit delivery service that sends you pre-portioned ingredients and recipes to cook at home. They give new customers a 65% discount on their first food box, and existing customers get a £20 discount when they refer friends. Get 4 meals for 2 people for a little over £10 with my refer-a-friend link: https://scrimpr.co.uk/raf/gousto. Then refer your friends to earn some free meal boxes.
2	IG Featured FCA: 944492	Investing	£50	£2.50-£200 welcome bonus	N/A	*Capital at risk, Fees may apply.
IG offers ISAs, SIPPs and GIAs with commission-free share dealing on stocks, ETFs, and investment trusts. There's a £24 quarterly platform fee, but it's waived with just three trades per quarter. Sign up via my link above and get a Welcome Bonus of up to £200 cashback when you make your first trade of at least £50. Capital at risk, T&Cs apply. You can refer your friends to get a £100 bonus also. Offer valid until 31st December 2025.
3	Voxi Featured	Utilities	-	£20-£40 cash	N/A
VOXI is a flexible UK mobile network with unlimited social media data on all plans. Sign up through a referral link to earn Gift Card rewards after making 2 monthly payments. Plans start from £10/month with no credit checks or long contracts. Once you're a customer, refer friends to earn up to £40 each (during Double Rewards promotions) or £15-£20 typically. 18+ UK only. European roaming available via paid passes.
4	Webull Featured FCA: 961286	Investing	-	£50 welcome bonus	N/A	*Capital at risk, Fees may apply.
Webull UK offers commission-free US stock trading for your first 90 days, plus London stocks and ETFs from just 50p. You can also earn interest on uninvested cash through their Easy Access or Notice savings accounts. Sign up via my link above, deposit £100+, and get a £50 ETF voucher plus up to 2% cash bonus on your deposits and transfers. Webull usually has a refer a friend offer also. Capital at risk, T&Cs apply. Offer valid until 31st December 2025.
5	Topcashback Featured	Cashback	Varies	£10 cash (+ cashback)	N/A
Topcashback is the most popular UK cashback site. It offers cashback at most online retailers, and on giftcards for in-store purchases. It is also very good for cashback rewards when switching utilities. Get a £10 bonus when you sign up with my link and earn your first £10 in cashback. This offer comes and goes, so make sure you see the offer on the landing page.
6	Gemsloot Featured	Cashback	Varies	3 Mystery Boxes cash (+ cashback)	N/A
Gemsloot is my favourite reward platform that pays users to play desktop games. Most of their desktop offers are quite easy to complete, and it's an easy to way to earn a little extra money. You can also earn by completing surveys, playing mobile games, and more!
7	Jam Doughnut Featured	Cashback	Varies	£3 cash bonus (+ cashback)	N/A
JamDoughnut is the original instant cashback app. Sign up to get cashback when you buy giftcards for your favourite shops. You can earn cashback for almost all supermarkets. Use my link, and you will get a £3 bonus when you buy your first giftcard, and you can withdraw your cashback once you have £10 (or you can swap your cashback for another giftcard!). You can also compare cashback rates using my supermarket cashback tool..
8	Earnlab Featured	Cashback	Varies	3 Mystery Boxes cash (+ cashback)	N/A
Earnlab is a UK/US Get-Paid-To platform for earning through tasks, games, and surveys. New users get 3 mystery boxes when signing up via referral link. Referrers earn 10% commission on friends' lifetime earnings. Must enable device tracking for activity verification. Minimum cashout varies by payment method.
9	Cheddar Featured FCA: 940075	Cashback	£5	£5 cash bonus (+ cashback)	N/A
Cheddar is a UK gift card cashback app. Scrimpr visitors get an enhanced £5 bonus (plus cashback) when purchasing their first gift card within 14 days via referral link. Bonus is withdrawable to bank. Referrers earn £2 per friend who buys first gift card. UK only.
10	Lloyds (referral) Featured FCA: 119278	Finance	-	£50 cash bonus	N/A	Ask a friend to invite you
Refer a Friend Offer: Lloyds are giving new customers £50 bonus when they sign up and open an account using a friend refer a friend link. If you sign up, you can then refer a friend to earn £50 for each person that signs up (£250 max bonus)
11	Hello Fresh Featured	Food and Drink	£10	70% discount	N/A
HelloFresh is a meal kit delivery service that sends pre-portioned ingredients and recipes to your door. New customers receive 70% off their first box. UK delivery available.
12	iFast Featured FCA: 716167	Finance	£500	1.5% Cashback cash bonus	N/A
iFAST Global Bank is a UK digital bank offering 1.5% cashback on debit card spending (up to £22.50/month), fee-free international transfers, and a Multi-Currency Current Account. Sign up via referral and deposit £500 for 3 months to get a £5 bonus. FSCS protected up to £120,000. 18+ UK only. Offer valid until 31st December 2025.
13	Uphold Debit Card Featured	Cashback	Varies	1% Cashback cash (+ cashback)	N/A
Uphold is a financial platform offering a Visa debit card with 1% cashback on all UK spending (up to £100/month), 0% FX fees, and free virtual card. No annual fee. Cashback credited monthly. Physical card £9.95. 18+ UK only. Terms apply. Non-Uphold fees may apply. Uphold Card is issued by Optimus Cards UK Limited, a principal member of Mastercard and authorised by the FCA.
14	Cashback.co.uk Featured	Cashback	Varies	£10 cash (+ cashback)	N/A
Cashback.co.uk is a UK cashback platform operated by the same team behind Custard. New users receive a £10 sign-up bonus. The site requires users to complete 10 levels before cashing out, with each level requiring completion of one offer. While this 10-offer minimum is higher than most platforms, Cashback.co.uk often features competitive payouts on bingo and betting offers. Plus get a £10 bonus when you sign up.
15	Custard Featured	Cashback	Varies	£2 cash bonus (+ cashback)	N/A
Custard is a UK Get-Paid-To platform from the Cashback.co.uk creators. Scrimpr visitors get enhanced £2.50 signup bonus (£2 bonus + 50p email confirmation). Regular signups only get 50p. Minimum cashout £10. Daily £10 prize wheel. UK only.
16	Earnably Featured	Cashback	Varies	£0.40 cash (+ cashback)	N/A
Earnably is a UK/US Get-Paid-To platform for earning through games, offers, and surveys. New users get £0.40 ($0.50) bonus when signing up via referral link. Referrers earn 10% commission on friends' lifetime earnings without affecting their rewards. Minimum cashout varies by payment method.
17	Suits Me Featured	Finance	-	No reward	N/A
Suits Me is an online current account that’s easy to open and works like a regular bank account. Normal sign up links don’t include a joining bonus, but once you’ve signed up, you can refer friends to earn £10-£50 each when they open an account and make their first qualifying transaction.
18	Measure (MSR)	Surveys	-	£10/month cash	N/A
MSR Tasks is a data-sharing app where users earn money by sharing their existing platform data (Amazon, Google, Facebook, etc.) and participating in product tests. Earn £10+/month from data-sharing tasks plus extra from IPSOS product tests. Use my referral link for doubled welcome bonus. Minimum cashout £10 to PayPal or gift cards. UK only.
19	Monzo	Finance	£1	£5-£50 cash bonus	N/A	Ask a friend to invite you
New Monzo customers get a random bonus of £5 - £50 (or guaranteed £50 for business accounts) when you open an account using my referral link and make a £1 purchase within 30 days. Fee-free spending abroad. FSCS protected. 18+ UK only.
20	Monzo Investing FCA: 730427	Investing	£1	£5-£20 welcome bonus	N/A	Ask a friend to invite you
Both new and existing Monzo customers get £5-£20 (random) when you invest £1 using my referral link. Bonus paid instantly. Each referral link works three times only. Capital at risk. 18+ UK only.
21	Octopus Energy	Utilities	-	£50 bill credit	N/A	Ask a friend to invite you
Octopus Energy are now the largest gas and electricity supplier in the UK. To make switching to Octopus a bit more appealing, they offer customers a £50 bill credit when signing up with a friends referral link . Once signed up, you can recommend your friends to split £100 with them too (£50 each)!
22	Zilch FCA: 843421	Finance	£5	£5 credit	N/A
Zilch is a virtual credit and debit card that offers cashback on all your purchases. But the credit (buy now pay later) aspect is best avoided. Just pay in full each time, and earn cashback on all of your shopping. New users receive their bonus when they sign up using a refer a friend link - the bonus is given just for signing up, with no purchase neccesary. Ts&Cs apply.
23	Yonder FCA: 946219	Finance	-	£10 credit	N/A
Yonder is a debit card that gives cashback in the form of points that you can spend on unique experiences and online shops. Get £10 off your first purchase when you sign up for the 3 month free premium trial (usually £15/month, but can be cancelled at any time!)
24	CashInStyle	Cashback	Varies	£1.50 cash (+ cashback)	N/A
CashInStyle is a cashback platform for earning money through games, offers, and surveys. New users get a $2 bonus after earning their first $10. Features exclusive sign-up bonuses not on other platforms. Referrers earn 10% of friends' earnings. Must enable device tracking. Minimum withdrawal varies.
25	Santander FCA: 106054	Bank Switch	-	£220 cash bonus	N/A
Get £200 when you switch to Santander, plus get a bonus £20 in cashback if you sign up via Topcashback.
26	YouGov	Other	-	£13 cash	N/A
YouGov is a survey app that allso pays up to £13/month for your data. Sign up and link your streaming accounts, web browser, or bank accounts to earn money passively. If you're lucky, YouGov will give you a referral link that gets you £2 when your friends sign up.
27	Revolut FCA: 900562	Finance	£1	£20 cash bonus	N/A
Revolut is offering a £20 cash bonus when you sign up and make a £1 transaction. Just visit the Sziget Festival promotion page to claim your bonus. The alternative refer-a-friend offer does not provide a bonus for new customers.
28	Tembo FCA: 952652	Finance	£500	£10-£100 cash bonus	N/A	Ask a friend to invite you
Tembo (formerly Nude) is mortgage broker that offers a market-leading Cash ISA and Lifetime ISA. Their aim is to help first-time buyers save a house deposit faster (and also sell them a mortgage!). Tembo have a new refer-a-friend scheme that gives a £10-£100 cash bonus to new customers when they sign up, open a Tembo account, and fund it with £500. To claim the reward, you need to enter your email on the refer a friend offer page, and then sign up using the same email address. Ask a friend for a link to sign up! Ts&Cs apply.
29	Dodl FCA: 211468	Investing	£500	£30 welcome bonus	N/A	Ask a friend to invite you
Dodl is AJ Bell's investment app for ISAs, LISAs, and pensions. New customers get £30 when investing £500 via referral (must complete referral form before signup). Referrers earn £30 per friend. Keep £500+ in account when bonus pays (month after deposit). Capital at risk. You may get back less than you invest. UK only.
30	Rakuten	Cashback	£50	£25 cash bonus (+ cashback)	N/A
Rakuten is a cashback site like TopCashback and Quidco that recently relaunched with improved features. New customers get £25 cashback on their first £50+ purchase (50% return), which is more generous than competitors. Once signed up, you can refer friends to split £50 (£25 each) when they complete their first qualifying purchase.
31	Lloyds FCA: 119278	Bank Switch	-	£200 cash bonus	N/A
Bank Switch Offer: Lloyds are giving new customers £200 to switch to one of their premium Club current accounts (min £3 per month fee).
32	Zopa FCA: 800542	Finance	-	£10 cash	N/A	Ask a friend to invite you
Zopa is a new digital bank. They offer a market leading regular saver account, and also provide 2% cashback on direct debit payments. By signing up with a refer-a-friend link, you'll receive a £10 bonus when you sign up. Ts&Cs apply, but this is a very good incentive to try out Zopa!
33	TSB FCA: 191240	Bank Switch	-	£150-£180 cash bonus	N/A
Get £180+ when you switch and stay with TSB.
34	First Direct FCA: 765112	Bank Switch	-	£175 cash bonus	N/A
First Direct are giving new customers £175 to switch to their free current account, Plus anyone can get an extra £36 when they sign up to First Direct via Topcashback.
35	Nationwide FCA: 106078	Bank Switch	-	£175 cash bonus	N/A
Nationwide are offering new customers £175 to switch. Can switch a joint and a solo account, meaning a couple coulg snag £525 between them.
36	Ribbon Rewards FCA: 970920	Cashback	Varies	£10 cash bonus (+ cashback)	N/A	Ask a friend to invite you
Ribbon Rewards is a free cashback program designed to help UK renters earn rewards from something they're already paying for - their rent. They offer points on every rent payment (1 point per £1, or 1.5 points on partner properties) which can be redeemed for air miles, gift cards and other rewards. They currently have a generous refer-a-friend scheme that gives a £10 bonus to new customers when they sign up and make their first rent payment. To claim the reward, you need a referral link from an existing customer. If you don't have a friend already using Ribbon Rewards, use mine. Accounts are provided by Griffin Bank Ltd (FCA regulated). Deposits protected by FSCS up to £85,000. Terms and conditions apply.
37	Chase FCA: 124579	Bank Switch	-	£100 cash bonus	N/A
Chase are giving new customer (and select existing customers) a £100 to make Chase their main bank. Offer valid until 30th November 2025.
38	Co-Op Bank FCA: 121885	Bank Switch	-	£175 cash bonus	N/A
Co-Op Bank are currently giving customers who switch to their free Standard Current account a £100 bonus, keep using the account for three months and you can get another £75.
39	Snoop	Finance	-	£5 voucher	N/A
Snoop is a free money management app that connects to your bank accounts to track spending and find better deals. New users get £5 Amazon voucher just for signing up. Refer friends and you'll both receive £5 Amazon vouchers for each successful referral.
40	American Express FCA: 661836	Credit Card	-	£125 cash	N/A
American Express is a premium credit card provider offering cashback, travel points and exclusive perks. New customers signing up with a friend's referral receive enhanced welcome bonuses worth up to £125 by meeting spend requirements (typically £3,000 in 3 months). 18+ UK only.
41	Charles Stanley FCA: 124412	Investing	£300	£300-£1,500 welcome bonus	N/A	Ask a friend to invite you
Charles Stanley Direct is a UK online investment platform. New customers transferring £20k+ get £300-£1,500 (plus fee waiver on £200k+) after holding 12 months. Referrers earn £250 per friend (max 5/year). Must be invited existing clients with £1k+ holdings. Capital at risk. 18+ UK only.
42	Chip FCA: 911255	Finance	-	No reward	N/A
Chip is a UK savings app with competitive interest rates and FSCS protection up to £85,000. My link allows you to create an account but doesn't include the 100 prize draw welcome bonus (requires existing user referral). Once registered, refer friends to earn 100 prize tickets each. UK only.
43	Freecash	Cashback	Varies	£4 cash (+ cashback)	N/A
FreeCash is one of the most popular rewards sites that pay people to play games. I've received over £1000 playing silly games that I downloaded via the app. If you don't have a friend to refer you, you can use my link for a £4 bonus when you sign up. However, I would recommend playing games via Gemsloot instead. But whichever site you join, make sure you check out the Scrimpr GPT offer search engine to find out if any other site pays more for a specific offer.
44	Freesmo	Shopping	-	£30 gift voucher	N/A
Freesmo is an online vape shop that currently has two offers that can be combined for first time users: get a £20 Amazon voucher when you spend £5, plus get £10 store credit when you make your first purchase! To share the bonus, existing customers must enter send an email invitation to their friends. Send me an email at hello@scrimpr.co.uk and I will send you an invite!
45	Ledger	Finance	-	£8 crypto	N/A
Ledger makes hardware cryptocurrency wallets that store your coins offline for maximum security. New customers who use my link will get $5-$20 worth of free Bitcoin depending on which device they purchase: Flex/Stax ($20), Nano X ($10), or Nano S Plus ($5). Redeem via gift code after setup. Worldwide shipping.
46	Oddsmonkey	Other	-	Free Trial free trial	N/A
OddsMonkey is a matched betting service that teaches you to profit from bookmaker promotions. Get a 7-day free trial using my link and earn approximately £40 while learning the basics. After signing up, refer friends to earn £25 per referral. 18+ UK only.
47	Park Christmas	Finance	-	£10 gift voucher	N/A
Park Christmas Savings is the UK's largest Christmas savings club. You set a personal savings target for Christmas, then pay in regular instalments for gift vouchers, hampers, and the like. I use it to cover the cost of Christmas dinner. You can get a £10 bonus added to your account once you have saved £25 for next Christmas. Get your friends to do the same and you will both get a £10 bonus.
48	Raisin UK	Finance	£10,000	£100 cash	N/A	Ask a friend to invite you
Raisin is a one-stop shop for savings products. Get £100 when you sign up and deposit £10k, and another £100 boost for each successful referral through your unique referral link.
49	Sky	Utilities	-	£100 gift voucher	N/A
50	Starling Bank	Finance	-	No reward	N/A
51	Stride	Surveys	-	£3 cash bonus	N/A
52	Swagbucks	Cashback	Varies	£10 cash (+ cashback)	N/A
Swagbucks offers cashback at a lot of online shops and has some nice exclusive offers. Its better known for surveys and game offers though. Get a £10 bonus with our Swagbucks link when you make a £25 purchase via the Swagbucks Shop: https://scrimpr.co.uk/out/swagbucks.
53	Tide	Finance	-	£50 cash	N/A
54	User Interviews	Market Research	-	£8 gift voucher	N/A
55	Vitality FCA: 400057	Insurance	-	£100 gift voucher	N/A
56	Caffe Nero	Food and Drink	-	Free Coffee freebie	N/A
Caffè Nero is a UK coffee shop chain with over 1,000 stores. New members get two free coffees: one via referral signup and one for linking a MyWaitrose card. Referrers earn a free coffee when their friend makes first purchase. Students get 25% discount with verified email. UK only.
57	Green Chef	Food and Drink	-	Free box discount	N/A
Green Chef is another recipe box subsciption. Like Gousto and HelloFresh, but focussing mediterranean and plant-based receipts. Get a free box (£4.99 delivery only) to try it out with my refer a friend link. Full price is expensive, but the trial box is worth a go.
58	Quidco	Cashback	Varies	£20 cash (+ cashback)	N/A
59	WorldFirst FCA: 900508	Finance	-	£160 cash	N/A	Ask a friend to invite you
WorldFirst is a multi-currency business account that anyone can sign up for as a sole trader. New customers who sign up by January 31st can earn $100 (~£75) bonus by completing one qualifying action before February 28th. After signing up, refer friends to earn $100 (~£75) per referral when they complete the same requirements.
60	Animal Friends Pet Insurance	Finance	-	£25	N/A
Animal Friends Pet Insurance is a UK pet insurance provider. New customers referred by existing customers get a £25 voucher after holding their first policy for 60 days with premiums up to date. Excludes Accident Only policies and purchases through comparison sites. 18+ UK only.
61	Airtime	Cashback	Varies	£2 credit (+ cashback)	N/A
Airtime Rewards is an open banking cashback platform that reduces your mobile phone bill. New users get £2.00 for signing up, linking a card and making a purchase at a linked retailer within one week. UK only.
62	Bing	Get Paid To	-	Earn rewards points	N/A
Microsoft Rewards lets you earn points by searching with Bing, completing quizzes, and doing bonus activities. Redeem points for gift cards (Amazon, M&S, Argos, Xbox), Game Pass, or charity donations. Sign up via a referral link and earn at least one point within 7 days to unlock bonuses for both you and the referrer. Maximum 10 referrals per user. 18+ UK residents only.
63	DegustaBox	Food and Drink	-	£7 discount	N/A
Degustabox is a UK monthly food subscription box with 10-15 full-size products worth £25+. First box £8.99 (normally £14.99/month). Free delivery. Can pause or cancel anytime - no minimum subscription. Products are surprise selections, cannot be customized for dietary needs. UK only.
64	Eon Next	Utilities	-	£50 gift card	N/A	Ask a friend to invite you
E.ON Next is a UK energy supplier offering gas and electricity tariffs. Both referrer and referee get £50 (voucher or account credit) when new customer switches via referral link and completes first month's Direct Debit. Reward issued within 4 weeks. Referrer limited to 25 referrals or £1,500/year. 18+ UK only.
65	EverUp	Cashback	Varies	£2 cash (+ cashback)	N/A
EverUp is a UK gift card cashback app. New users get ~£1.50 bonus points when earning £10 in cashback (requires purchasing significant gift card value). Referrers also get ~£1.50. Cashback earned on gift card purchases, then cards used in-store. Games feature to swap coins for cash. UK only.
66	MoneySupermarket	Finance	-	£5-£20 gift voucher	N/A
MoneySupermarket is one of the UK's top price comparison websites, helping users find the best deals on everything from insurance to energy providers. If you sign up using a referral link, you'll receive £20 when you purchase car or home insurance. Plus, you can refer your own friends to earn more – you’ll both get a cash reward when they sign up and take action. It’s a great way to save money and earn rewards at the same time!
67	Monument Bank	Finance	-	No reward	N/A	Ask a friend to invite you
Monument Bank is a UK digital savings bank. Get £50 paid to your current account within 3 days (usually next day at 7AM) when you sign up via a friend's link and deposit £10k in an Easy Access Cash ISA or £25k in other savings accounts. Can withdraw after bonus received. FSCS protected. Offer ends 30 Nov 2025.
68	Republic of Cats	Pets	-	No reward	N/A
69	Smol	Shopping	-	No reward	N/A
70	So Energy	Utilities	-	£50 credit	N/A
71	Virgin Media	Utilities	-	£50 gift voucher	N/A
72	Wise	Finance	-	Free transfer freebie	N/A
Wise is a multi-currency account and debit card offering competitive exchange rates and low-fee international payments. Hold funds in 50+ currencies and get international bank account details (useful for money transfer offers). New customers get a free international transfer. Refer friends to earn £75 for every three friends who complete a qualifying transfer (£25 per referral).
73	Mubi	Entertainment	-	£30 free trial	N/A
MUBI is a curated film streaming service. Get 30 days free when you sign up using my referral link. No payment required upfront, but remember to cancel before the trial ends if you don't want to continue. Refer friends to earn an extra 30 days free for each signup.
74	Western Union	Money Transfer	-	£10 discount	N/A
75	Curve	Finance	-	1% cashback	N/A
Curve is a UK card that consolidates all your cards into one. Referral offer: both referrer and invitee get 1% cashback (up to £15 in Curve Cash Points) on all spending for 30 days. Invitee must make 5 transactions of £2+ on Curve card. Points expire after 6 months. Offer ends 31 December 2025. 18+ UK/EEA only.
76	LemFi FCA: 900424	Money Transfer	£50	£10 discount	N/A
LemFi is a UK-based international money transfer platform. New users get £10 cash bonus when signing up via referral and making a first transfer of £50+. Both you and your friend get £10 each. Can transfer to your own foreign account. UK only.
77	Shopmium	Cashback	Varies	No reward	N/A
78	AXA Health Insurance	FInance	-	£100 gift voucher	N/A
AXA Health is a UK private healthcare insurance provider. Existing customers can refer friends and earn rewards worth up to £139 (choice of £100 Amazon/M&S e-gift card or National Trust Joint membership). Friend must be a new member purchasing a private healthcare plan. Unlimited referrals allowed.
79	Basket	Cashback	Varies	£5 cash bonus (+ cashback)	N/A
Basket is a rewards platform for gift card purchases. Existing users earn 500 points (£5) per qualifying referral when their friend earns 1,000 points from activated gift cards within 365 days. Maximum 10 referrals per account. Referral rewards expire after 12 months if unclaimed.
80	BeFibre	Utilities	-	£50 cash bonus	N/A
BeFibre is a UK full fibre broadband provider with speeds up to 2300 Mbps. New customers get £50 cash when purchasing a 12m/18m package via referral. Paid within 60 days after 30-day guarantee period. Referrers earn £50-£150 per referral depending on total referrals. No mid-contract price rises. UK only.
81	BeMyEye	Market Research	-	£1 cash	N/A
BeMyEye is a mystery shopping and task completion app. Both referrer and referee receive a bonus when the new user completes and has approved their first geolocalized mission (excluding the welcome mission). Specific bonus amounts vary by promotion.
82	British Gas	Utilities	-	£50 gift voucher	N/A	Ask a friend to invite you
British Gas is one of the UK's largest energy suppliers and home services providers. New customers switching both gas and electricity via referral get £50 in vouchers. New boiler customers get £100 voucher (Amazon/PayPal) or £50 Hive voucher. Refer a friend to get same reward! UK only.
83	Capital on Tap	Finance	-	£75 cash	N/A	Ask a friend to invite you
Capital on Tap is a UK business credit card provider for small businesses. New customers get 7,500 points or £75 when signing up via referral and making first transaction within 30 days. Referrers earn same reward. Must be UK business with £24k+ turnover, no CCJs. Always pay off balance to avoid interest.
84	Costa Coffee	Food and Drink	-	5 Points points	N/A
Costa Club is Costa Coffee's UK loyalty app. New members get 1 Bean on signup. Collect 10 Beans for a free handcrafted drink. Referrers earn 5 Beans per successful referral. Birthday reward: free cake/sweet. Beans expire after 12 months inactivity. 16+ UK only.
85	Currensea	Finance	-	£15 cash	N/A
Currensea is a UK travel debit card linked to your bank account for foreign currency spending. Partner promotion offers £15 bonus for making 5 foreign currency transactions within 12 months. Standard referral offers £5 signup bonus. Bonus paid to linked bank account. 18+ UK only.
86	EDF Energy	Utilities	-	£50 bill credit	N/A	Ask a friend to invite you
EDF Energy is a UK energy supplier offering gas and electricity tariffs. Both referrer and referee get £50 credit on their EDF accounts when a new customer switches via referral link. Available for home and Small Business customers. Must switch and stay with EDF to qualify. 18+ UK only.
87	Fidelity FCA: 122170	Investing	-	£100 welcome bonus	N/A	Ask a friend to invite you
Fidelity offers £100 Amazon Gift Cards when you open a Stocks & Shares ISA via referral and invest £5,000 lump sum on same day. Both you and your friend get £100 each. Gift cards issued within 120 days. Annual fees apply. Capital at risk. 18+ UK only.
88	GiffGaff	Utilities	-	£5 credit	N/A	Ask a friend to invite you
giffgaff is a UK mobile network running on O2. Both you and your friend get £5 when they activate a SIM via referral. You receive £5 Payback (convertible to cash, credit, or charity donation). Friend gets £5 credit plus free giffgaff-to-giffgaff calls/texts. Payback paid every 6 months. 18+ UK only.
89	Go Henry	Finance	-	£10 cash	N/A
GoHenry is a kids' debit card and app for ages 6-18 with parental controls. Get 2 months free + £15 cashback using code AFFBSWR215 (from MoneySavingExpert) at signup. £3.99/month after trial. Features include spending limits, in-app money lessons, and Junior ISA option. First monthly top-up free, additional top-ups 50p. UK only
90	Good Energy	Utilities	-	£50 discount	N/A	Ask a friend to invite you
Good Energy is a UK renewable energy supplier with 100% renewable electricity matched directly from generators. Switch and get £50 credit. They also offer solar panels, heat pumps, and battery storage. Referrers earn £50 for tariff referrals or up to £250 in vouchers for product referrals. UK only.
91	Hilton Honors	Finance	-	£11 points	N/A
Hilton Honors Debit Cards offer instant Silver/Gold Elite status for as long as you have the card. Plus card (£150/year) includes Gold status + up to 29.5k bonus points. Regular card (£60/year) includes Silver status + up to 5.5k bonus points. Both require FX spending within 6 months to unlock full bonuses. Use my code CWINJI for extra 1,000 points: Sign up here
92	Klarna	Finance	-	£10 discount	N/A
Klarna offers buy now, pay later services including Pay in 3, Pay in 30, and pay in full options. Refer up to 10 friends and earn £20 off your next purchase (£60+ spend) for each friend who makes a purchase within 7 days. Friends cannot have used Klarna in past 12 months. UK only.
93	Moneygram	Money Transfer	-	£10 discount	N/A
MoneyGram is a money transfer service offering £10 cashback via ySense when you send £10+ internationally. Sign up to ySense using my referral link, then complete the MoneyGram offer through the ySense platform. Fast, cheap transfers available. 18+ UK only.
94	PensionBee FCA: 744931	Investing	-	£50 welcome bonus	N/A	Ask a friend to invite you
95	RewardXP	Cashback	Varies	£0 cash (+ cashback)	N/A
96	Riverford	Food and Drink	-	£15 discount	N/A
97	Skrill	Money Transfer	-	£10 discount	N/A
98	Smarty	Utilities	-	£10 gift voucher	N/A
99	Sprive	Cashback	Varies	£5 voucher (+ cashback)	N/A
100	SuperFi	Cashback	£25	£2.50 cash bonus (+ cashback)	N/A
SuperFi is a cashback app offering you a £2.50 when you sign up and purchase your first £25+ gift card via the app (you also get cashback on that giftcard). Just sign up to SuperFi with my bonus code: QFsKm4hQ. Once you have an account, you also refer your friends to earn £2.50 each when they sign up and buy their first giftcard.
101	Uber	Travel	-	£25 discount	N/A
102	Uber Eats	Food and Drink	-	£3 discount	N/A
103	Wealthyhood FCA: 933675	Investing	-	£5-£200 welcome bonus	N/A	Ask a friend to invite you
104	WorldRemit	Money Transfer	-	£10	N/A	Ask a friend to invite you
WorldRemit send money fast and cheaper than most banks. And they give new customers a £10 bonus when they sign up and send £15
105	YouFibre	Utilities	-	£25-£100 cash	N/A
Get up to £100 when you sign up to You Fibre broadband on an 18 month contract
106	Inbox Pounds	Cashback	Varies	£1 cash (+ cashback)	N/A
InboxPounds is a UK-focused rewards platform owned by the same company as Swagbucks. New users get £1 signup bonus with my link below. Earn by completing tasks, surveys, and games. First cashout minimum is £20, then £5 for subsequent withdrawals. UK only.
107	Attapoll	Surveys	-	£0.40 cash	N/A
AttaPoll is a paid survey app available in 70 countries. New users get £0.40 when signing up with a referral code, whilst the referrer earns £0.20 plus 10% of their lifetime survey earnings. Referral code must be entered within 7 days of registration. 18+ only.
108	Avios	Cashback	Varies	500 Avios points (+ cashback)	N/A
Avios is the loyalty currency for British Airways and IAG airlines, redeemable for flights, upgrades, and shopping. First-time Avios App users get 500 bonus Avios when they sign up with a referral link and complete a qualifying activity like shopping through the cashback portal or in-store with a linked card. Travel purchases don't count (but Uber does).
109	Budgey	Cashback	Varies	£5 cash bonus (+ cashback)	N/A
Budgey (previously Widilo) is a UK cashback and voucher platform with thousands of retailers. New users get £5 welcome bonus after email confirmation plus £3 on first cashback purchase via browser extension. Referrers earn £3 per friend. Minimum withdrawal £20 via bank transfer or PayPal.
110	Cashback Earners	Cashback	Varies	£6.50 cash (+ cashback)	N/A
CashbackEarners is a UK cashback website offering rewards for shopping and trying new services. New users get a £6.50 sign-up bonus. Referrers earn £5 per friend plus 10% of their friend's lifetime earnings. Minimum withdrawal varies by payment method. UK only.
111	Coffee No 1	Food and Drink	-	No reward	N/A
Coffee#1 is a UK coffee shop chain with a loyalty app. Both referrer and referee get a free coffee voucher when the new user downloads the app and makes their first purchase or collects stamps. Voucher valid on hot and cold drinks (excludes bottled). One redemption per customer. UK only.
112	Eureka	Surveys	-	£0.80 cash	N/A
Eureka Surveys is a paid survey app. New users get an 80p welcome survey when entering a referral code on the referrals screen. Referrers earn 80p each time their referred friend cashes out. Unlimited referrals allowed. Minimum cashout varies by payment method. UK only.
113	Maholla	Surveys	-	£1 cash	N/A
Maholla is a survey app where users earn money for completing surveys. New users get £1 signup bonus when they sign up with my referral link. I fyou refer your friends, you will earn £0.40 on your friend's first cashout, £0.40 on second cashout, plus ongoing 15% commission on friend's survey earnings. Referral code must be added within 7 days of registration.
114	Prime Opinion	Surveys	-	£4 cash	N/A
115	Qmee	Surveys	-	£1 cash	N/A
116	Simply Cook	Food and Drink	-	No reward	N/A
117	Three	Utilities	-	£40 cash	N/A
118	Virgin Red	Cashback	Varies	£5 gift voucher (+ cashback)	N/A
119	Wealthify FCA: 662530	Investing	-	£50 welcome bonus	N/A	Ask a friend to invite you
120	XE	Money Transfer	-	£25 gift voucher	N/A	Ask a friend to invite you
XE give a voucher that takes the sting out of sending money abroad. Get one when you sign up, and get another when you recommend XE to a friend.
121	Branded Surveys	Surveys	-	500 Points welcome bonus	N/A
Branded Surveys is a paid survey platform available in the US, Canada, and UK. New users signing up via referral link get 100 bonus points, plus 200 points for 10 surveys/month and 300 points for 25 surveys/month. 500 points = $5/£5/CAD$5
122	Clearpay	Finance	-	£10 discount	N/A	Ask a friend to invite you
Clearpay is a UK buy now, pay later service splitting purchases into 4 fortnightly instalments. New customers get £10 off first purchase of £50+ via referral (expires in 90 days). Referrers also get £10 off £50+ purchase. Must not have had account in past 12 months. 18+ UK residents only (excl Channel Islands).
123	Clickworker	Mystery Shopping	-	No reward	N/A
lickworker is a global micro-task platform offering surveys, user testing, and UHRS microwork. No sign-up bonus. Earnings vary widely - user testing pays well (€15+ per study), whilst UHRS microwork pays pennies. Referrers earn £4.50 when friend earns £10. Requires PayPal for UK withdrawals. 18+ globally.
124	CurrencyFair	Money Transfer	-	£40 cash	N/A	Ask a friend to invite you
CurrencyFair is an international money transfer service with bank-beating exchange rates. UK customers: both referrer and referee get £40 when the new customer transfers out £1,700+ in a single transaction. Tokens valid 6 months. Must be fully verified. Offer ends 30 December 2025.
125	Picodi	Cashback	Varies	£4 cash (+ cashback)	N/A
126	Poll Pay	Surveys	-	£0 cash	N/A
127	Survey Pop	Surveys	-	£1 cash	N/A
128	Survey Spin	Surveys	-	£1 cash	N/A
129	Tuck	Cashback	Varies	£1 cash (+ cashback)	N/A
130	Community Fibre	Utilities	-	£50 gift card	N/A	Ask a friend to invite you
Community Fibre is a UK full fibre broadband provider. New customers get a £50 gift card when signing up via referral and staying past 14-day cooling-off period. Referrers also get £50. Gift cards sent 90 days after installation. Must not have had service in past 12 months. 18+ UK only.
131	Expedia	Shopping	-	£25 discount	N/A
Expedia offers £25 off hotel bookings for both referrer and referee when new customer signs up and books via app. £200 minimum spend required. Must book through app, not website. ATOL protected for flight-inclusive packages. 18+ UK only.

Showing 131 of 131 offers

How to Claim Sign-Up Bonuses: Step-by-Step Guide

Choose Your Offer

Compare offers above based on bonus value, minimum requirements, and category (banking, investing, energy, etc.). For investment platforms, check they're FCA-regulated.

Sign Up Using Promotional Link

Click the offer link above. You must be a new customer and use the correct referral link or code where required.

Complete Registration

Provide required information (ID, proof of address for financial services). This usually takes 10-30 minutes.

Meet Requirements

Complete the qualifying action (deposit, switch, purchase, etc.). Requirements vary by offer - check the table above for specifics.

Receive Your Bonus

Bonuses typically appear within 5-90 days depending on the offer. Check the platform's timeline in the table above.

Respect Hold Periods

Keep your account active for any required period or your bonus may be withdrawn. Some offers have no hold period, others require 30 days to 12 months.

Can You Use Multiple Offers?

Yes, you can sign up to multiple platforms and claim their welcome bonuses. However, only do this if you'll genuinely use the services. Consider:

Will you actually use all these accounts/services?
What are the ongoing fees or commitments?
Does it make sense to have multiple accounts in the same category?

Here are examples of how you might legitimately use multiple offers:

Different Categories

Claiming offers across different categories (banking, investing, energy) makes perfect sense as you need these services anyway.

Example: Switch bank for £175, open investment account for £50, switch energy for £75

Testing Services (Investing)

New investors might start with small amounts across a few platforms to find which interface and features they prefer.

Example: £1 on one platform to test fractional shares, £100 on another for ETF-focused investing

Different Account Types (Investing)

You might use different investment platforms for different account types based on their strengths.

Example: ISA on a low-fee platform, SIPP on a platform with strong pension features

⚠️ Important: Don't sign up solely to collect bonuses. Consider ongoing fees, whether you'll actively use the services, and if they align with your actual needs. Bonus hunting without genuine use can cost you more in fees and hassle than you earn in bonuses.

Understanding Investment Bonus Probabilities

⚠️ Manage Your Expectations (Investing Only): For investment platforms offering free shares, the bonus ranges advertised (e.g., £40-£200) can be misleading. The probabilities below show you're far more likely to receive the minimum value. Don't invest based on the maximum advertised amount.

Most investment platforms use weighted probability distributions for free shares, meaning you're more likely to receive lower-value bonuses. Here's what to expect:

Platform	Bonus Range	Most Likely Value	Probability
IG Trading	£40-£200	£40-£50	60%
Trading 212	£8-£100	£8-£25	80%
Freetrade	£10-£100	£10-£25	80%
InvestEngine	£20-£100	£20-£24	75%

Key takeaway: For investment bonuses, advertised maximum values are rare. Base your expectations on the "most likely value" column above.

Important Considerations Before Claiming

Tax Implications

Some bonuses may be subject to tax:

Cash bonuses: Bank switching and some other cash bonuses are typically tax-free as they're considered incentives
Free shares (investing): The value of free shares when received may count as taxable income
Capital gains (investing): If shares increase in value before you sell, gains above the annual allowance (£3,000 for 2024/25) are taxable
ISA advantage (investing): Free shares placed in a Stocks & Shares ISA are protected from both taxes (though many platforms place bonuses in GIAs instead)

Ongoing Costs & Commitments

Free bonuses are attractive, but consider ongoing costs and commitments:

Investment platforms: Custody fees, trading fees, FX fees, and inactivity charges may apply
Bank accounts: Some have minimum balance requirements or monthly fees
Energy contracts: Check exit fees if you want to switch again
Subscription services: Ensure you cancel if you don't want to continue after any trial period

For investment platforms, use my ISA platform fee calculator to compare total costs.

⚠️ Common Mistakes to Avoid:

Not reading full terms and conditions
Expecting maximum bonus values for investment offers (most get lower amounts)
Cancelling or withdrawing before hold periods end
Ignoring ongoing fees and commitments
Using incorrect referral links or codes
Forgetting about potential tax obligations
Opening accounts you won't actually use
Missing eligibility requirements (e.g., must be new customer)

Frequently Asked Questions

Which UK sign-up offer gives the biggest bonus?

Bank switching offers typically provide the highest guaranteed bonuses at £100-£200 cash. For investment platforms, IG Trading offers up to £200 in free shares (though 60% receive £40-£50). Energy switching can provide £50-£75 credit.

Can I withdraw my bonus immediately?

It depends on the offer. Bank switching bonuses usually have no restrictions once paid. Investment platforms have hold periods (30 days to 12 months). Energy credits are applied to your bills. Always check the specific terms.

Do I pay tax on sign-up bonuses?

Most cash bonuses (bank switching, energy credits) are tax-free as they're marketing incentives. Investment platform free shares may count as taxable income when received, and any gains when sold may be subject to capital gains tax above £3,000 (2024/25).

Can I use multiple sign-up offers?

Yes, you can claim multiple offers across different categories (banking, investing, energy) or even multiple offers within a category if you'll genuinely use the services. However, consider ongoing fees, whether you'll actively use all accounts, and if it makes practical sense.

What if my bonus doesn't appear?

Check you've met all terms (minimum deposit/spend, correct referral link, processing time). If everything is correct, contact the provider's customer service. Most resolve missing bonuses within 5-10 business days.

Are sign-up offers safe and legitimate?

The platforms and companies listed are legitimate. Financial services providers are FCA-regulated where required. Sign-up offers are genuine marketing incentives. However, for investment platforms, remember your capital is at risk - the value of investments can go down as well as up.

Related Money-Saving Guides

Investment Platform Comparison Table - Compare fees and features
ISA Fee Calculator - Calculate total costs
Bank Switching Bonuses - Earn £100-£200
Refer-a-Friend Offers - Share and earn rewards
Best Cashback Sites - Save £200+ annually

Disclaimer: I'm not a financial advisor. This is editorial content comparing sign-up offers across various categories. For investment platforms, the value of investments can go down as well as up. Links may be affiliate/referral links. Always read full T&Cs before signing up. Last updated: October 29, 2025.