This is the biggest list of refer-a-friend offers in the UK. If you already use a service and want to share it with someone, there’s a good chance both of you will get a bonus for it. Banks, investment platforms, energy suppliers, cashback sites — most of them have a referral programme.
The table below shows what both the referrer and the friend get. Use the category filters to find offers in a specific area, or search for a platform by name.
Good to know:
You need to be an existing customer to refer someone. Your friend usually needs to meet certain conditions — a minimum deposit, first purchase, or completed sign-up — before either of you gets the bonus. Some programmes have a limit on how many people you can refer.
Best UK Refer a Friend Offers
Filter by category or search for a specific platform. Both referrer and friend rewards are shown.
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.
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.
Min spend £10,000 · FCA regulated · Verified 12 May 2026
Existing AJ Bell customers can refer friends; both get £100 Amazon voucher when the referee deposits £10,000+ within 120 days. ISA, SIPP or Dealing Account.
Min spend £500 · FCA regulated · Verified 12 May 2026
AJ Bell Dodl refer-a-friend offer: both sides get a £30 gift voucher (Amazon, Waitrose or Deliveroo) when the new customer opens an Investment ISA, Lifetime ISA or pension, deposits £500+ and makes their first investment within 120 days. Cash-only deposits don't qualify, and general investment accounts are excluded.
J.P. Morgan Personal Investing refer-a-friend offer: the referrer receives a £100 Amazon.co.uk Gift Card if the new customer invests £500+ in an ISA, pension or General Investment Account, or £50 if they invest in a Lifetime ISA or Junior ISA. The new customer gets six months with no management fees across any J.P. Morgan Personal Investing accounts opened in their first six months. Transfers in don't qualify.
Min spend £5,000 · FCA regulated · Verified 12 May 2026
Fidelity refer-a-friend offer: both sides get a £100 Amazon.co.uk gift card when the new customer opens an ISA, SIPP or GIA and funds it with a £5,000+ single lump-sum deposit on the same day, within 2 weeks of signing up. Transfers in, regular savings plans, Junior ISAs and Junior SIPPs don't qualify.
Min spend £5,000 · FCA regulated · Verified 12 May 2026
ii Recommend a Friend offer: the referrer gets £200 cash and the new friend gets a 12-month fee-free period. The new customer must open an ISA, SIPP or Trading Account via the referral link and fund it with an aggregate £5,000+ within 12 months of opening. If the new account is closed or transferred out within 12 months, ii can reclaim the reward.
Min spend £100 · FCA regulated · Verified 12 May 2026
InvestEngine referral programme: both the referrer and the new customer receive a random reward up to £200 each (up to £400 for Business Accounts). The new customer must invest £100+ into their Portfolio, and both sides must remain invested for at least 12 months. The reward is randomly drawn from five tiers, with the larger amounts much rarer than the smaller ones — most users get the lower end.
Min spend £25 · FCA regulated · Verified 12 May 2026
Penfold refer-a-friend offer: both sides receive £25 into their Penfold pension (£20 from Penfold plus £5 HMRC tax relief) when the new customer opens a Penfold pension via the referral link and both parties contribute over £25. The reward sits inside the pension wrapper, not as cash.
£50 reward when you transfer or contribute £1,000+ to a new PensionBee plan via the partner link. New customers only. Reward paid into the linked bank account after a qualifying period.
Robinhood UK refer-a-friend offer: both sides get a free US stock worth $7-$175 (about 96% land at $7-$8) when the new customer opens a Robinhood UK brokerage account via referral, links a UK bank and makes a deposit within 14 days. The Stocks & Shares ISA isn't eligible; the RAF only works on the standard brokerage account.
Min spend £100 · FCA regulated · Verified 12 May 2026
Wealthyhood referral offer: both sides get a free fractional share worth €5-€200 (random tier, most rewards are at the lower end) when the new customer signs up via the referral link and deposits at least €100 within 7 days. The free share can't be sold for 60 days, and closing the account in that window forfeits the reward.
How Referral Offers Work
You share a unique link or code. Most services give you a personal referral link in their app or website. Your friend signs up through that link, and the system tracks that they came from you.
Your friend meets the conditions. This varies — it might be making a first deposit, completing a purchase, or keeping an account open for a certain period. The offer details above explain what’s required for each.
You both get the bonus. Once the conditions are met, both you and your friend receive the reward. This could be cash, credit, free shares, or a discount — depending on the service.
Tips for Sharing Referrals
Only refer services you actually use. Your friends trust your recommendations. If you refer them to something rubbish just for the bonus, that trust disappears quickly.
Explain what’s involved. Don’t just send a link — tell your friend what the service is, what they need to do to qualify, and what they’ll actually get. The more transparent you are, the more likely they are to follow through.
Check the terms. Some services limit the number of referrals, have expiry dates on links, or exclude certain account types. Save yourself the hassle by reading the conditions first.
Stack with cashback. In some cases, your friend can sign up through your referral link AND claim cashback from a cashback site. Not always — but worth checking.
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Why some links have an *
When you click a link with an * and sign up, I get paid a small commission from the provider — usually a few pounds, sometimes more. That's how Scrimpr stays free and how I pay for the time I put into it.
Worth knowing:
It doesn't affect what I recommend. Plenty of platforms I rate highly don't pay me anything. The order is what I'd tell my mum.
You don't pay anything extra. Many of the * links unlock a sign-up bonus you wouldn't get going direct.
If you'd rather not use my link, just search the platform name yourself — same product, same price, just no commission for me. No hard feelings.
When a competitor's link gives you a better bonus than mine, I'll tell you. Look for the “Better bonus elsewhere” callouts — I get nothing if you take those, and you should.
Different sites pay wildly different amounts for the same thing — one might pay £10 cashback whilst another pays £15. I like to make the most of things, and I got tired of opening ten apps to compare every time. So I built these tools. They check 30+ sites each day and show you which one is paying the most.
The links in this tool are refer-a-friend links — the same referral mechanic any user gets when they share their own code. When you sign up through one, the platform pays Scrimpr a small referral bonus, the same as if a friend had referred you. That's what keeps the tool free.
Worth knowing:
Ranking of each site is by what the platform pays YOU. Whether Scrimpr earns a referral bonus doesn't affect the order — it's purely the user payout.
I do highlight certain offers, which are usually ones I have taken part in myself.
Your rewards are the same whether you use my links or not, but many of my links unlock a sign-up bonus you wouldn't get going direct.
Don't want to use my link? Just search the platform name yourself. You will get access to the exact same offers shown here. No hard feelings.
