A Complete List of Refer a Friend Offers in the UK 2025
Welcome to the biggest list of UK refer-a-friend offers – your one-stop resource for earning a little cash with your friends. Whether you're looking to earn extra cash, snag exclusive discounts, or unlock special rewards, our comprehensive 2025 guide has got you covered. Discover the most lucrative programs and learn how to maximize your benefits simply by sharing your favorite services and products with friends.
On Scrimpr, I compare all UK refer-a-friend programmes so you can maximise rewards when sharing services
Get paid to play games on your phone
3 free mystery boxes when you sign up
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Exclusive game offers paying £50+ not found elsewhere
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High-paying sign-up offers and free trials
T&Cs apply. 18+
UK companies offer referral bonuses when you recommend their services to friends and family. These refer-a-friend schemes can earn you cash rewards, account credits, or free products - and sometimes your friend gets a bonus too.
What You Need to Know
- Eligibility: Must be an existing customer to refer, friend must be a new customer
- Reward types: Cash, account credits, discounts, or free products/services
- Conditions: Friend usually needs to sign up via your link and meet specific requirements
- Limits: Many programmes cap the number of referrals per month or year
- Timing: Rewards typically paid after friend completes qualifying actions
Related guides: Check out bank switching bonuses, cashback sites, and investment platforms for more ways to boost your finances.
Best UK Refer a Friend Offers
Compare referral programmes across banking, investing, utilities, shopping, and more. Offers updated regularly.
Showing 158 of 158 offers · Updated 6 Mar 2026
Featured
1
Your Reward
-
Friend Reward
£5-£200
signup bonus
Deadline: 13 Mar 2026 · FCA regulated · Verified 6 Mar 2026
IG offers ISAs, GIAs and SIPPs with commission-free share dealing on stocks, ETFs, and investment trusts. They recently joined the likes of Trading 212 and Freetrade in offering UK customers commission-free trading with no platform fee. Sign up via my link above using code CASHBACK200 and make your first investment of at least £100 by 13th March 2026 to get 5% cashback on your average invested value, up to £200 max bonus. You'll need to maintain an active investment portfolio until 30th June 2026 to qualify. Cashback is paid by 31st July 2026. Capital at risk, T&Cs apply. You can refer your friends to get a bonus also. Offer valid until 13th March 2026.
Featured
2
Topcashback
Cashback
Your Reward
£20
referral bonus
Friend Reward
£20
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
Featured
3
Gemsloot
Cashback
Your Reward
5%
referral bonus
Friend Reward
£3
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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!
Featured
4
Octopus Energy
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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)!
Featured
5
Earnlab
Cashback
Your Reward
10%
referral bonus
Friend Reward
3 Mystery Boxes
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
Featured
6
Rakuten
Cashback
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus (+ cashback)
Min spend £50 · Verified 6 Mar 2026
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.
Featured
7
Gousto
Food and Drink
Your Reward
£20
referral bonus
Friend Reward
65%
signup discount
Verified 6 Mar 2026
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.
Featured
8
CashInStyle
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
Featured
9
Jam Doughnut
Cashback
Your Reward
£5
referral bonus
Friend Reward
£3
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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..
Featured
10
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus (+ cashback)
Min spend £5 · FCA regulated · Verified 6 Mar 2026
Cheddar is a UK gift card cashback app. Scrimpr visitors get a £5 bonus (plus cashback) when they reach £5 in cashback within 30 days. Bonus is withdrawable to bank. Referrers earn £2 per friend who buys first gift card. UK only.
Featured
11
Hello Fresh
Food and Drink
Your Reward
£20
referral bonus
Friend Reward
70%
signup discount
Min spend £10 · Verified 6 Mar 2026
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.
Featured
12
Custard
Cashback
Your Reward
£8
referral bonus
Friend Reward
£0.50
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
Custard is a UK Get-Paid-To platform from the Cashback.co.uk creators. Get a £1 bonus to start out. Minimum cashout £10. Daily £10 prize wheel. UK only.
Featured
13
EverUp
Cashback
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
Featured
14
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
FCA regulated · Verified 6 Mar 2026
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)
Featured
15
Voxi
Utilities
Your Reward
£10-£20
referral bonus
Friend Reward
£10-£20
signup bonus
Verified 6 Mar 2026
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.
16
User Interviews
Market Research
Your Reward
£8
referral bonus
Friend Reward
£8
signup bonus
Verified 6 Mar 2026
17
Animal Friends Pet Insurance
Finance
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus
Verified 6 Mar 2026
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.
18
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Min spend £50 · FCA regulated · Verified 6 Mar 2026
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.
19
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
FCA regulated · Verified 6 Mar 2026
20
Airtime
Cashback
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
21
1Q
Surveys
Your Reward
-
Friend Reward
0.25
signup bonus
Verified 6 Mar 2026
1Q is a survey app with over 1 million users offering instant PayPal payments for answering short questions from brands. Earnings paid instantly per response. Referrers earn £0.20 ($0.25) per friend who signs up. No limits on referrals. Opt-in to location services for more questions.
22
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
Min spend £10,000 · FCA regulated · Verified 6 Mar 2026
AJ Bell is a UK investment platform offering SIPPs, ISAs and Dealing accounts. New customers get a £100 Amazon gift card for depositing £10,000+ within 120 days. Cannot have held account in past 12 months. 18+ UK only.
23
Allbeauty
Shopping
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
Allbeauty is a UK online beauty retailer selling fragrance, skincare, haircare, makeup, and bath products. New customers get 10% off their first order when signing up via referral link. Referrers earn £5 credit when friend's order is dispatched. Free delivery over £25. UK only.
24
Your Reward
£125
referral bonus
Friend Reward
£125
signup bonus
FCA regulated · Verified 6 Mar 2026
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.
25
BarBurrito
Food and Drink
Your Reward
£5 Burrito
referral bonus
Friend Reward
£5 Burrito
signup bonus
Verified 6 Mar 2026
Barburrito is the UK Mexican restaurant chain with a loyalty rewards app. Existing app users get a £5 burrito when a referred friend makes their first purchase. Voucher valid for 31 days, excludes Loaded/Everything Burritos and seasonal specials. In-store only.
26
BeFibre
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
27
Bing
Get Paid To
Your Reward
1 Points
referral bonus
Friend Reward
15,000
signup bonus
Verified 6 Mar 2026
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.
28
Clickworker
Mystery Shopping
Your Reward
£4.50
referral bonus
Friend Reward
-
Verified 6 Mar 2026
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.
29
Mubi
Entertainment
Your Reward
£30
referral bonus
Friend Reward
£30
signup bonus
Verified 6 Mar 2026
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.
30
Oddsmonkey
Other
Your Reward
£25
referral bonus
Friend Reward
Free Trial
signup bonus
Verified 6 Mar 2026
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.
32
TrainPal
Travel
Your Reward
£20
referral bonus
Friend Reward
£20
signup bonus
Verified 6 Mar 2026
33
Respondent
Market Research
Your Reward
£16
referral bonus
Friend Reward
£16
signup bonus
Verified 6 Mar 2026
34
AXA Health Insurance
Finance
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
Verified 6 Mar 2026
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.
35
Skrill
Money Transfer
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
36
Bikmo
Insurance
Your Reward
5%
referral bonus
Friend Reward
5%
signup discount
Verified 6 Mar 2026
Bikmo is a UK cycle insurance provider. New customers get 5% discount on their policy plus a Komoot Regional Bundle voucher when signing up via referral link. Referrer also gets a Komoot Regional Bundle per successful referral. Offer ends 31st January 2026. 18+ UK only.
37
SuperFi
Cashback
Your Reward
£2.50
referral bonus
Friend Reward
£2.50
signup bonus (+ cashback)
Min spend £25 · Verified 6 Mar 2026
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.
38
Appinio
Surveys
Your Reward
500%
referral bonus
Friend Reward
10 Points
signup bonus
Verified 6 Mar 2026
Appinio is a mobile survey app that pays users for sharing opinions through quick polls and surveys. New users who sign up with a referral code earn 500 bonus points. Cash out via PayPal (minimum €10) or Amazon.co.uk vouchers with immediate payment.
39
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Min spend £10 · FCA regulated · Verified 6 Mar 2026
Beanstalk is a UK Junior ISA and ISA investment platform. Both referrer and referee receive £5 when the referred friend opens and contributes to a JISA/ISA within 3 months of joining. Must be genuine new customers. Capital at risk - investments can go down as well as up.
40
Expedia
Shopping
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus
Verified 6 Mar 2026
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.
41
Caffe Nero
Food and Drink
Your Reward
-
Friend Reward
-
Verified 6 Mar 2026
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.
42
British Gas
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
43
Field Agent
Mystery Shopping
Your Reward
£10
referral bonus
Friend Reward
-
Verified 6 Mar 2026
Field Agent is a mystery shopping app. No signup bonus. Referrers earn 10% commission on friends' lifetime earnings. Complete in-store tasks like product checks, price verification, and audits for cash via PayPal. Minimum cashout varies. UK only.
44
YouGov
Other
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus
Verified 6 Mar 2026
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.
46
Trip.com
Travel
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
47
Testing Time
Market Research
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
48
Capital on Tap
Finance
Your Reward
£75
referral bonus
Friend Reward
£75
signup bonus
Verified 6 Mar 2026
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.
49
Moneygram
Money Transfer
Your Reward
-
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
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.
50
Sprive
Cashback
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
51
Attapoll
Surveys
Your Reward
10%
referral bonus
Friend Reward
£0.40
signup bonus
Verified 6 Mar 2026
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.
52
Your Reward
£1,500
referral bonus
Friend Reward
£250
signup bonus
Min spend £300 · FCA regulated · Verified 6 Mar 2026
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.
53
Freesmo
Shopping
Your Reward
£20
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
Freesmo is an online vape shop that currently offers £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!
54
Coffee No 1
Food and Drink
Your Reward
-
Friend Reward
-
Verified 6 Mar 2026
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.
55
Community Fibre
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
57
BeMyEye
Market Research
Your Reward
£1
referral bonus
Friend Reward
£1
signup bonus
Verified 6 Mar 2026
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.
58
Your Reward
-
Friend Reward
£100
signup bonus
FCA regulated · Verified 6 Mar 2026
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.
60
Quidco
Cashback
Your Reward
£25
referral bonus
Friend Reward
£20
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
61
Branded Surveys
Surveys
Your Reward
10%
referral bonus
Friend Reward
500 Points
signup bonus
Verified 6 Mar 2026
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
62
Your Reward
£30
referral bonus
Friend Reward
£30
signup bonus
Min spend £500 · FCA regulated · Verified 6 Mar 2026
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.
63
Harvey Nichols
Shopping
Your Reward
£30
referral bonus
Friend Reward
£30
signup bonus
Verified 6 Mar 2026
Harvey Nichols is a luxury UK department store. New customers get 15% off first order (£250 minimum spend) via referral, valid 7 days. Referrers earn £30 off (£300 minimum spend), valid 3 months. Excludes many luxury brands, sale items, and gift cards. Online only. 18+ UK only.
64
Costa Coffee
Food and Drink
Your Reward
5 Points
referral bonus
Friend Reward
5 Points
signup bonus
Verified 6 Mar 2026
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.
65
EDF Energy
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
66
Roamler
Market Research
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus
Verified 6 Mar 2026
67
Clearpay
Finance
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
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).
68
Western Union
Money Transfer
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
69
Freecash
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
70
Eureka
Surveys
Your Reward
£0.80
referral bonus
Friend Reward
£0.80
signup bonus
Verified 6 Mar 2026
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.
71
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
FCA regulated · Verified 6 Mar 2026
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.
72
LookFantastic
Shopping
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
LOOKFANTASTIC is Europe's leading online beauty retailer selling 660+ premium brands. New customers get £10 off when spending £25+ on first order when you sign up with a referral link. Exclusions apply to certain products. Referrer earns £10 credit per successful referral. UK and international delivery available.
73
Green Chef
Food and Drink
Your Reward
£5
referral bonus
Friend Reward
Free box
signup bonus
Verified 6 Mar 2026
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.
74
Eon Next
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
75
Currensea
Finance
Your Reward
£5
referral bonus
Friend Reward
£20
signup bonus
Verified 6 Mar 2026
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.
76
WorldRemit
Money Transfer
Your Reward
£20
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
WorldRemit send money fast and cheaper than most banks. And they give new customers a £10 bonus when they sign up and send £15
77
Earnably
Cashback
Your Reward
10%
referral bonus
Friend Reward
£0.40
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
78
Maholla
Surveys
Your Reward
15%
referral bonus
Friend Reward
£1
signup bonus
Verified 6 Mar 2026
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.
79
Your Reward
£200
referral bonus
Friend Reward
Fee-free year
signup bonus
Min spend £5,000 · FCA regulated · Verified 6 Mar 2026
Interactive Investor (ii) is a UK investment platform offering ISAs, SIPPs, and Trading Accounts. Referred friends get 12 months fee-free when funding with £5,000+ within a year. Referrers earn £200 (ISA/Trading Account) or £400 (SIPP) per referral. 18+ UK only. T&Cs apply.
80
Mobiles.co.uk
Shopping
Your Reward
£75
referral bonus
Friend Reward
£75
signup bonus
Verified 6 Mar 2026
Mobiles.co.uk is a UK mobile phone retailer selling contracts, SIM-only deals, and handsets. Split £5-£75 with me on purchase type: £60 for Pixel 10 contracts, £25 for new handsets, £30 for refurbished, £75 for Vodafone upgrades, £10 for SIM-only. Rewards split down the middle!. UK only.
81
Grind Coffee
Food and Drink
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
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.
82
GiffGaff
Utilities
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
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.
83
Curve
Finance
Your Reward
1%
referral bonus
Friend Reward
1%
signup discount
Verified 6 Mar 2026
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.
84
ySense
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
85
Measure (MSR)
Surveys
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
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.
86
Your Reward
£20-£100
referral bonus
Friend Reward
£20-£100
signup bonus
Find Out More →
*Capital at risk. Fees may apply.
Min spend £100 · FCA regulated · Verified 6 Mar 2026
InvestEngine is an investment service that is recommended for long-term investors. The best thing about InvestEngine is their commission-free trading on exchange traded funds (although ETF costs apply as usual). They offer new users a Welcome Bonus of up to £100 when you invest your first £100, and your friend also gets up to £100 when they sign up using your referral. Capital at risk, T&Cs apply.
87
Simple Human
Shopping
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
89
Good Energy
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
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.
90
Go Henry
Finance
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
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
91
Cashback.co.uk
Cashback
Your Reward
10%
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
92
Paid Focus Group
Surveys
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
93
Your Reward
£5-£20
referral bonus
Friend Reward
£5-£20
signup bonus
Min spend £1 · FCA regulated · Verified 6 Mar 2026
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.
95
Riverford
Food and Drink
Your Reward
£15
referral bonus
Friend Reward
£15
signup bonus
Verified 6 Mar 2026
96
Lebara
Utilities
Your Reward
50%
referral bonus
Friend Reward
50%
signup discount
Verified 6 Mar 2026
Lebara is a UK mobile network that piggy backs on the EE network, and offers some of the cheapest and most flexible SIM-only plans. New customers get 50% off their plan for the first 3 months when referred. Referrer earns £5-£30 cash per friend depending on plan chosen (30-day or 12-month plans available). Can cancel anytime. UK only.
97
Hilton Honors
Finance
Your Reward
£1
referral bonus
Friend Reward
£1
signup bonus
Verified 6 Mar 2026
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
98
Avios
Cashback
Your Reward
500 Avios
referral bonus
Friend Reward
500 Avios
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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).
99
Paid Product Testing
Surveys
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
100
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
FCA regulated · Verified 6 Mar 2026
101
Whatnot
Shopping
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
103
Sky
Utilities
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
Verified 6 Mar 2026
104
Klarna
Finance
Your Reward
-
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
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.
105
KidStart
Cashback
Your Reward
£5
referral bonus
Friend Reward
-
Min spend varies · Verified 6 Mar 2026
KidStart is a cashback platform designed for parents saving for their children via cashback, uniquely offering cashback on Apple purchases. Shop at hundreds of retailers through their website or app to earn cashback and save it for your little one. No signup bonus, but earn £5 for each friend who saves £5. UK only.
107
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus
FCA regulated · Verified 6 Mar 2026
108
Too Good To Go
Food and Drink
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus
Verified 6 Mar 2026
109
Smarty
Utilities
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
110
Ledger
Finance
Your Reward
£8
referral bonus
Friend Reward
£8
signup bonus
Verified 6 Mar 2026
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.
111
Shopmium
Cashback
Your Reward
£3
referral bonus
Friend Reward
3
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
112
Prime Opinion
Surveys
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
113
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
FCA regulated · Verified 6 Mar 2026
114
Uber Eats
Food and Drink
Your Reward
£3
referral bonus
Friend Reward
£3
signup bonus
Verified 6 Mar 2026
115
So Energy
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
116
MoneySupermarket
Finance
Your Reward
£5-£20
referral bonus
Friend Reward
£5-£20
signup bonus
Verified 6 Mar 2026
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!
117
Tuck
Cashback
Your Reward
£2
referral bonus
Friend Reward
£1
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
118
Pure Profile
Surveys
Your Reward
£1
referral bonus
Friend Reward
£1
signup bonus
Verified 6 Mar 2026
119
Your Reward
£5-£130
referral bonus
Friend Reward
£5-£130
signup bonus
FCA regulated · Verified 6 Mar 2026
120
Wine52
Food and Drink
Your Reward
-
Friend Reward
£0
signup bonus
Verified 6 Mar 2026
Wine52 is a wine subscription service that delivers curated bottles, a magazine, and snacks every 28 days. New customers get 50% off their first case when using a referral link. Refer friends and earn a free case of wine (worth £36-£78) for each friend who stays for their second full-price box.
121
Three
Utilities
Your Reward
£40
referral bonus
Friend Reward
£40
signup bonus
Verified 6 Mar 2026
122
Monument Bank
Finance
Your Reward
-
Friend Reward
-
Verified 6 Mar 2026
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.
123
RewardXP
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
125
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
FCA regulated · Verified 6 Mar 2026
126
Virgin Media
Utilities
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
Verified 6 Mar 2026
127
Monzo
Finance
Your Reward
£5-£50
referral bonus
Friend Reward
£5-£50
signup bonus
Min spend £1 · Verified 6 Mar 2026
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.
128
Gain.GG
Cashback
Your Reward
10%
referral bonus
Friend Reward
-
Min spend varies · Verified 6 Mar 2026
ain.GG is a gaming-focused Get-Paid-To platform for game offers and tasks. Referrers earn 10% commission on friends' lifetime earnings. Check Scrimpr search engine for best-paying offers before starting. Multiple cashout options. UK/global.
130
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
FCA regulated · Verified 6 Mar 2026
131
YouFibre
Utilities
Your Reward
£25-£100
referral bonus
Friend Reward
£25-£100
signup bonus
Verified 6 Mar 2026
Get up to £100 when you sign up to You Fibre broadband on an 18 month contract
132
Park Christmas
Finance
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
Verified 6 Mar 2026
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.
133
GG2U
Cashback
Your Reward
5%
referral bonus
Friend Reward
-
Min spend varies · Verified 6 Mar 2026
GG2U is a gaming rewards platform for game offers and simple tasks with reliable payouts. Referrers earn 5% commission on friends' lifetime earnings. Compare rates on Scrimpr search engine before starting. Multiple cashout options. UK/global.
134
Survey Pop
Surveys
Your Reward
£1
referral bonus
Friend Reward
£1
signup bonus
Verified 6 Mar 2026
135
Your Reward
£5-£200
referral bonus
Friend Reward
£5-£200
signup bonus
FCA regulated · Verified 6 Mar 2026
137
Swagbucks
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
139
Raisin UK
Finance
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
Min spend £10,000 · Verified 6 Mar 2026
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.
140
Inbox Pounds
Cashback
Your Reward
10%
referral bonus
Friend Reward
£1
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
142
Your Reward
-
Friend Reward
£20
signup bonus
Min spend £1 · Deadline: 31 Dec 2026 · FCA regulated · Verified 6 Mar 2026
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. Offer valid until 31st December 2026.
143
Budgey
Cashback
Your Reward
£3
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
144
Snoop
Finance
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Verified 6 Mar 2026
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.
145
Virgin Red
Cashback
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
148
Your Reward
£10-£100
referral bonus
Friend Reward
£10-£100
signup bonus
Min spend £500 · FCA regulated · Verified 6 Mar 2026
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.
149
Picodi
Cashback
Your Reward
£4
referral bonus
Friend Reward
£4
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
151
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · FCA regulated · Verified 6 Mar 2026
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.
152
Wise
Finance
Your Reward
£75
referral bonus
Friend Reward
-
Verified 6 Mar 2026
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).
153
Cashback Earners
Cashback
Your Reward
£5
referral bonus
Friend Reward
£6.50
signup bonus (+ cashback)
Min spend varies · Verified 6 Mar 2026
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.
154
Your Reward
£160
referral bonus
Friend Reward
£160
signup bonus
FCA regulated · Verified 6 Mar 2026
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.
155
Your Reward
£1
referral bonus
Friend Reward
£1
signup bonus
FCA regulated · Verified 6 Mar 2026
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!)
156
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
Min spend £5 · FCA regulated · Verified 6 Mar 2026
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.
157
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
FCA regulated · Verified 6 Mar 2026
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!
Inactive / Expired
158
Your Reward
£50
referral bonus
Friend Reward
£50
signup bonus
View Offer Details
*Capital at risk. Fees may apply.
Min spend £100 · FCA regulated · Verified 6 Mar 2026
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. Webull usually has a refer a friend offer also. Capital at risk, T&Cs apply. Offer valid until 28th February 2026.
How Refer a Friend Programmes Work
1
Get Your Referral Link
Log into your account and find the "Refer a Friend" or "Invite Friends" section. Copy your unique referral link or code.
2
Share With Friends
Send your link via email, WhatsApp, social media, or face-to-face. Your friend must use your specific link to sign up.
3
Friend Completes Requirements
Your friend signs up and meets the qualifying criteria (e.g., deposits money, makes a purchase, stays active for a period).
4
Both Receive Rewards
Once all conditions are met, rewards are typically paid within 7-90 days depending on the programme.
Best Refer a Friend Offers by Category
💰 Banking & Finance
- Digital banks (Monzo, Starling, Revolut)
- Investment platforms (Trading 212, Freetrade, InvestEngine)
- Savings accounts
- Credit cards
🏠 Home & Utilities
- Energy suppliers (Octopus Energy, Bulb)
- Broadband providers
- Mobile networks
- Insurance companies
🛍️ Shopping & Retail
- Cashback sites (TopCashback, Quidco)
- Subscription boxes
- Food delivery apps
- Online retailers
🚗 Travel & Transport
- Ride-sharing (Uber, Bolt)
- Car rental services
- Travel booking sites
- Holiday providers
Maximising Your Referral Earnings
Strategic Referral Tips
- Focus on services you genuinely use: Your authentic recommendation is more persuasive
- Explain the benefits: Don't just spam links - tell friends why you like the service
- Time it right: Refer when friends actually need the service (e.g., energy switching season)
- Track your referrals: Keep a spreadsheet of who you've referred and when to expect rewards
- Know the limits: Some programmes cap referrals per month or year
Where to Share Referral Links
- Direct messaging: WhatsApp, text, or email to close friends/family (most effective)
- Social media: Facebook groups, Twitter (check group rules first)
- Reddit: Dedicated referral subreddits like r/beermoneyuk
- Forums: Money-saving communities (follow posting guidelines)
- In person: Face-to-face recommendations when relevant
⚠️ Referral Etiquette: Don't spam referral links in inappropriate places. Many online communities ban unsolicited referral sharing. Always check rules before posting and only share where it adds genuine value to the conversation.
Tax on Referral Bonuses
Referral bonuses may be subject to tax depending on the amount and type:
When Referral Income is Taxable
- Trading allowance: You can earn up to £1,000 per year tax-free from "casual income" including referrals
- Over £1,000: You must declare it on a self-assessment tax return and pay income tax on the amount above £1,000
- Regular referral income: If you're consistently earning from referrals, HMRC may consider it a business activity requiring registration
Different Types of Rewards
- Cash bonuses: Count as taxable income
- Account credits: Generally taxable when received
- Vouchers: May be taxable depending on value and convertibility to cash
- Free shares: Subject to income tax when received, capital gains tax when sold
💡 Keep Records: Track all referral bonuses you receive throughout the tax year. If you approach or exceed £1,000, you'll need documentation for HMRC. I'm not a tax advisor - consult an accountant if you're earning significant referral income.
Common Referral Programme Issues & Solutions
Bonus Didn't Appear
Possible causes:
- Friend didn't use your specific link
- Requirements not fully met
- Waiting period not elapsed
- Friend was already a customer
Solution: Check programme terms, verify friend completed all steps, contact customer support with referral details.
Referral Link Doesn't Work
Possible causes:
- Offer expired or changed
- You're not eligible to refer (new customer, account issues)
- Technical glitch with tracking
Solution: Generate a fresh link from your account, clear cookies and try again, or contact support.
Reached Referral Limit
Many programmes cap referrals:
- Per month limits (e.g., 5 successful referrals)
- Annual caps (e.g., £500 maximum earnings)
- Lifetime restrictions on some platforms
Solution: Check programme T&Cs for limits, wait until next period, or explore other referral opportunities.
Frequently Asked Questions
Which UK referral programme pays the most?
High-value referrals include Octopus Energy (£50 each), Trading 212 (up to £100 free share), and various bank switching offers (£100-£175). The "best" depends on what services your friends actually need.
How long does it take to receive referral bonuses?
Timing varies widely - from instant (some apps) to 90+ days (utilities, financial services). Most bonuses arrive within 30-60 days after your friend completes qualifying requirements. Always check specific programme terms.
Can I refer myself using a different email?
No. This violates terms and conditions of all referral programmes. Companies track via name, address, bank details, IP address, and device fingerprinting. Self-referral attempts result in bonus denial and potential account closure.
Do I pay tax on referral bonuses?
You can earn up to £1,000 per year tax-free under the "trading allowance" for casual income. Above this threshold, you must declare referral earnings on a self-assessment tax return and pay income tax on amounts over £1,000.
What's the difference between "you get" and "both get" referral offers?
"You get" means only the referrer receives a bonus. "Both get" (or "give & get") means both referrer and referee receive rewards. "Both get" offers are generally more appealing to share since your friend benefits too.
Can I share referral links on social media?
Yes, but be mindful of platform rules and etiquette. Avoid spamming, follow community guidelines (especially on Reddit and Facebook groups), and only share where appropriate. Personal messaging to friends is generally more effective than public posting.
Why didn't I receive my referral bonus?
Common reasons: friend didn't use your specific link, qualifying requirements not met (e.g., minimum deposit, time period), friend was already a customer, or processing time hasn't elapsed. Check the programme's T&Cs and contact customer support with your referral details if everything appears correct.
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Disclaimer: Referral bonuses are subject to each company's terms and conditions. Offers can change or expire at any time. Earnings over £1,000 per year may be taxable. Always read full T&Cs before participating. Links may be affiliate/referral links. Last updated: October 31, 2025.