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 5% cashback (up to £100)
Commission-free UK stock trading with 4% interest on cash balances. Compare with IG's free share offer.
✓
Invest at least £50 by 31 Dec 2025
✓
Keep invested until 31 March 2026
✓
Cashback credited by 30 April 2026
Capital at risk. T&Cs apply. FCA: 944492
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.
Updated: 6 Dec 2025
| # | Platform | Category | Min Spend | Your Reward | Friend Reward | |
|---|---|---|---|---|---|---|
| 1 |
Featured
|
Food and Drink | - |
£20
referral bonus
|
65%
signup discount
|
|
|
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.
|
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| 2 |
|
Investing | £3 |
£100
referral bonus
|
£50
signup bonus
|
*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 £100 cashback when you make your first trade of at least £50. Capital at risk, T&Cs apply. Offer valid until 31st December 2025.
|
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| 3 |
Featured
|
Utilities | - |
£20-£40
referral bonus
|
£20-£40
signup bonus
|
|
|
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.
|
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| 4 |
|
Investing | - |
£50
referral bonus
|
£50
signup bonus
|
*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.
|
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| 5 |
Featured
|
Cashback | Varies |
£20
referral bonus
|
£20
signup bonus (+ cashback)
|
|
|
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.
|
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| 6 |
Featured
|
Cashback | Varies |
5%
referral bonus
|
3 Mystery Boxes
signup bonus (+ cashback)
|
|
|
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 |
Featured
|
Cashback | Varies |
£5
referral bonus
|
£3
signup bonus (+ cashback)
|
|
|
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..
|
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| 8 |
Featured
|
Cashback | Varies |
10%
referral bonus
|
3 Mystery Boxes
signup bonus (+ cashback)
|
|
|
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.
|
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| 9 |
|
Cashback | £5 |
£2
referral bonus
|
£2
signup bonus (+ cashback)
|
|
|
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.
|
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| 10 |
|
Finance | - |
£50
referral bonus
|
£50
signup bonus
|
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)
|
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| 11 |
Featured
|
Food and Drink | £10 |
£20
referral bonus
|
70%
signup discount
|
|
|
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 |
|
Finance | £500 |
£5
referral bonus
|
£5
signup bonus
|
|
|
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.
|
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| 13 |
Featured
|
Cashback | Varies |
10%
referral bonus
|
£10
signup bonus (+ cashback)
|
|
|
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.
|
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| 14 |
Featured
|
Cashback | Varies |
£8
referral bonus
|
£0.50
signup bonus (+ cashback)
|
|
|
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.
|
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| 15 |
Featured
|
Cashback | Varies |
10%
referral bonus
|
£0.40
signup bonus (+ cashback)
|
|
|
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.
|
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| 16 |
Featured
|
Finance | - |
£10-£50
referral bonus
|
£10-£50
signup bonus
|
|
|
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.
|
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| 17 | Surveys | - |
£5
referral bonus
|
£5
signup bonus
|
||
|
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.
|
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| 18 | Finance | £1 |
£5-£50
referral bonus
|
£5-£50
signup bonus
|
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.
|
||||||
| 19 | Investing | £1 |
£5-£20
referral bonus
|
£5-£20
signup bonus
|
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.
|
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| 20 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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)!
|
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| 21 | Finance | £5 |
£5
referral bonus
|
£5
signup bonus
|
||
|
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.
|
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| 22 | Finance | - |
£1
referral bonus
|
£1
signup bonus
|
||
|
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!)
|
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| 23 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
||
|
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.
|
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| 24 | Other | - |
£2
referral bonus
|
£2
signup bonus
|
||
|
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.
|
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| 25 | Finance | £1 | No reward |
£20
signup bonus
|
||
|
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.
|
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| 26 | Finance | £500 |
£10-£100
referral bonus
|
£10-£100
signup bonus
|
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.
|
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| 27 | Investing | £500 |
£30
referral bonus
|
£30
signup bonus
|
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.
|
||||||
| 28 | Cashback | £50 |
£25
referral bonus
|
£25
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 29 | Finance | - |
£10
referral bonus
|
£10
signup bonus
|
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!
|
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| 30 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
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.
|
||||||
| 31 | Finance | - |
£5
referral bonus
|
£5
signup bonus
|
||
|
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.
|
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| 32 | Credit Card | - |
£125
referral bonus
|
£125
signup bonus
|
||
|
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.
|
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| 33 | Investing | £300 |
£1,500
referral bonus
|
£250
signup bonus
|
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.
|
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| 34 | Finance | - | No reward | - | ||
|
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.
|
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| 35 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
||
|
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.
|
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| 36 | Shopping | - |
£10
referral bonus
|
£10
signup bonus
|
||
|
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!
|
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| 37 | Finance | - |
£8
referral bonus
|
£8
signup bonus
|
||
|
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.
|
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| 38 | Other | - |
£25
referral bonus
|
Free Trial
signup bonus
|
||
|
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.
|
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| 39 | Finance | - |
£10
referral bonus
|
£10
signup bonus
|
||
|
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.
|
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| 40 | Finance | £10,000 |
£100
referral bonus
|
£100
signup bonus
|
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.
|
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| 41 | Utilities | - |
£100
referral bonus
|
£100
signup bonus
|
||
| 42 | Finance | - | No reward | - | ||
| 43 | Surveys | - |
£2
referral bonus
|
£2
signup bonus
|
||
| 44 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
||
|
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.
|
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| 45 | Finance | - |
£50
referral bonus
|
£50
signup bonus
|
||
| 46 | Food and Drink | - |
£2
referral bonus
|
£2
signup bonus
|
||
| 47 | Market Research | - |
£8
referral bonus
|
£8
signup bonus
|
||
| 48 | Insurance | - |
£100
referral bonus
|
£100
signup bonus
|
||
| 49 | Food and Drink | - |
Free Coffee
referral bonus
|
Free Coffee
signup bonus
|
||
|
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.
|
||||||
| 50 | Food and Drink | - |
£5
referral bonus
|
Free box
signup bonus
|
||
|
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.
|
||||||
| 51 | Cashback | Varies |
£25
referral bonus
|
£25
signup bonus (+ cashback)
|
||
| 52 | Finance | - |
£160
referral bonus
|
£160
signup bonus
|
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.
|
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| 53 | Finance | - |
£25
referral bonus
|
£25
signup bonus
|
||
|
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.
|
||||||
| 54 | Cashback | Varies |
£2
referral bonus
|
£2
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 55 | Get Paid To | - |
1 Points
referral bonus
|
15,000
signup bonus
|
||
|
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.
|
||||||
| 56 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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.
|
||||||
| 57 | Cashback | Varies |
£2
referral bonus
|
£2
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 58 | Finance | - |
£5-£20
referral bonus
|
£5-£20
signup bonus
|
||
|
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!
|
||||||
| 59 | Finance | - | No reward | - | 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.
|
||||||
| 60 | Pets | - | No reward | - | ||
| 61 | Investing | - |
£5-£130
referral bonus
|
£5-£130
signup bonus
|
Ask a friend to invite you | |
| 62 | Shopping | - | No reward | - | ||
| 63 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
||
| 64 | Pets | - | No reward | - | ||
| 65 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
||
| 66 | Food and Drink | - |
50% discount
referral bonus
|
£50
signup bonus
|
Ask a friend to invite you | |
|
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.
|
||||||
| 67 | Finance | - |
£75
referral bonus
|
Free transfer
signup bonus
|
||
|
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).
|
||||||
| 68 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
||
| 69 | Entertainment | - |
£30
referral bonus
|
£30
signup bonus
|
||
|
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.
|
||||||
| 70 | Money Transfer | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 71 | Investing | £10,000 |
£100
referral bonus
|
£100
signup bonus
|
Ask a friend to invite you | |
|
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.
|
||||||
| 72 | Finance | - |
1%
referral bonus
|
1%
signup discount
|
||
|
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.
|
||||||
| 73 | Money Transfer | £50 |
£10
referral bonus
|
£10
signup bonus
|
||
|
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.
|
||||||
| 74 | Investing | - |
£25
referral bonus
|
£25
signup bonus
|
Ask a friend to invite you | |
| 75 | Cashback | Varies |
£3
referral bonus
|
3
signup bonus (+ cashback)
|
||
| 76 | FInance | - |
£100
referral bonus
|
£100
signup bonus
|
||
|
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.
|
||||||
| 77 | Shopping | - |
£5
referral bonus
|
£5
signup bonus
|
||
|
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.
|
||||||
| 78 | Cashback | Varies |
£5
referral bonus
|
£5
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 79 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
||
|
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.
|
||||||
| 80 | Market Research | - |
£1
referral bonus
|
£1
signup bonus
|
||
|
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.
|
||||||
| 81 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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.
|
||||||
| 82 | Finance | - |
£75
referral bonus
|
£75
signup bonus
|
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.
|
||||||
| 83 | Food and Drink | - |
5 Points
referral bonus
|
5 Points
signup bonus
|
||
|
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.
|
||||||
| 84 | Finance | - |
£5
referral bonus
|
£20
signup bonus
|
||
|
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.
|
||||||
| 85 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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.
|
||||||
| 86 | Investing | - |
£100
referral bonus
|
£100
signup bonus
|
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.
|
||||||
| 87 | Utilities | - |
£5
referral bonus
|
£5
signup bonus
|
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.
|
||||||
| 88 | Finance | - |
£10
referral bonus
|
£10
signup bonus
|
||
|
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
|
||||||
| 89 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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.
|
||||||
| 90 | Finance | - |
£1
referral bonus
|
£1
signup bonus
|
||
|
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
|
||||||
| 91 | Investing | £100 |
£20-£100
referral bonus
|
£20-£100
signup bonus
|
Ask a friend to invite you | |
|
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.
|
||||||
| 92 | Finance | - |
£0
referral bonus
|
£0
signup bonus
|
||
|
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 | Shopping | - |
£75
referral bonus
|
£75
signup bonus
|
||
|
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.
|
||||||
| 94 | Money Transfer | - |
£0
referral bonus
|
£0
signup bonus
|
||
|
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.
|
||||||
| 95 | Investing | - |
£100
referral bonus
|
£100
signup bonus
|
Ask a friend to invite you | |
| 96 | Finance | - |
£75
referral bonus
|
£75
signup bonus
|
||
| 97 | Market Research | - |
£16
referral bonus
|
£16
signup bonus
|
||
| 98 | Cashback | Varies |
£10
referral bonus
|
£10
signup bonus (+ cashback)
|
||
| 99 | Food and Drink | - |
£15
referral bonus
|
£15
signup bonus
|
||
| 100 | Market Research | - |
£2
referral bonus
|
£2
signup bonus
|
||
| 101 | Shopping | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 102 | Money Transfer | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 103 | Utilities | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 104 | Cashback | Varies |
£5
referral bonus
|
£5
signup bonus (+ cashback)
|
||
| 105 | Cashback | £25 |
£2.50
referral bonus
|
£2.50
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 106 | Market Research | - |
£5
referral bonus
|
£5
signup bonus
|
||
| 107 | Travel | - |
£25
referral bonus
|
£25
signup bonus
|
||
| 108 | Food and Drink | - |
£3
referral bonus
|
£3
signup bonus
|
||
| 109 | Investing | - |
£5-£200
referral bonus
|
£5-£200
signup bonus
|
Ask a friend to invite you | |
| 110 | Money Transfer | - |
£20
referral bonus
|
£10
signup bonus
|
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
|
||||||
| 111 | Utilities | - |
£25-£100
referral bonus
|
£25-£100
signup bonus
|
||
|
Get up to £100 when you sign up to You Fibre broadband on an 18 month contract
|
||||||
| 112 | Investing | £10 |
£5
referral bonus
|
£5
signup bonus
|
Ask a friend to invite you | |
|
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.
|
||||||
| 113 | Cashback | Varies |
10%
referral bonus
|
£1
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 114 | Money Transfer | - |
£0
referral bonus
|
£0
signup bonus
|
||
| 115 | Surveys | - |
10%
referral bonus
|
£0.40
signup bonus
|
||
|
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.
|
||||||
| 116 | Cashback | Varies |
500 Avios
referral bonus
|
500 Avios
signup bonus (+ cashback)
|
||
|
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).
|
||||||
| 117 | Cashback | Varies |
£3
referral bonus
|
£5
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 118 | Cashback | Varies |
£5
referral bonus
|
£6.50
signup bonus (+ cashback)
|
||
|
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.
|
||||||
| 119 | Food and Drink | - | No reward | - | ||
|
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.
|
||||||
| 120 | Surveys | - |
£0.80
referral bonus
|
£0.80
signup bonus
|
||
|
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.
|
||||||
| 121 | Mystery Shopping | - |
£10
referral bonus
|
- | ||
|
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.
|
||||||
| 122 | Cashback | Varies |
10%
referral bonus
|
- | ||
|
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.
|
||||||
| 123 | Cashback | Varies |
5%
referral bonus
|
- | ||
|
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.
|
||||||
| 124 | Food and Drink | - |
£5
referral bonus
|
£5
signup bonus
|
||
|
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.
|
||||||
| 125 | Cashback | Varies |
£5
referral bonus
|
- | ||
|
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.
|
||||||
| 126 | Shopping | - |
£10
referral bonus
|
£10
signup bonus
|
||
|
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.
|
||||||
| 127 | Surveys | - |
15%
referral bonus
|
£1
signup bonus
|
||
|
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.
|
||||||
| 128 | Surveys | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 129 | Surveys | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 130 | Cashback | Varies |
£0
referral bonus
|
£0
signup bonus (+ cashback)
|
||
| 131 | Surveys | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 132 | Surveys | - |
£1
referral bonus
|
£1
signup bonus
|
||
| 133 | Food and Drink | - | No reward | - | ||
| 134 | Utilities | - |
£40
referral bonus
|
£40
signup bonus
|
||
| 135 | Travel | - |
£20
referral bonus
|
£20
signup bonus
|
||
| 136 | Travel | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 137 | Cashback | Varies |
£5
referral bonus
|
£5
signup bonus (+ cashback)
|
||
| 138 | Investing | - |
£10
referral bonus
|
£10
signup bonus
|
Ask a friend to invite you | |
| 139 | Investing | - |
£50
referral bonus
|
£50
signup bonus
|
Ask a friend to invite you | |
| 140 | Shopping | - |
£10
referral bonus
|
£10
signup bonus
|
||
| 141 | Money Transfer | - |
£25
referral bonus
|
£25
signup bonus
|
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.
|
||||||
| 142 | Surveys | - | No reward |
0.25
signup bonus
|
||
|
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.
|
||||||
| 143 | Surveys | - |
500%
referral bonus
|
10 Points
signup bonus
|
||
|
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.
|
||||||
| 144 | Food and Drink | - |
£5 Burrito
referral bonus
|
£5 Burrito
signup bonus
|
||
|
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.
|
||||||
| 145 | Insurance | - |
5%
referral bonus
|
5%
signup discount
|
Ask a friend to invite you | |
|
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.
|
||||||
| 146 | Surveys | - |
10%
referral bonus
|
500 Points
signup bonus
|
||
|
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
|
||||||
| 147 | Finance | - |
£10
referral bonus
|
£10
signup bonus
|
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).
|
||||||
| 148 | Mystery Shopping | - |
£4.50
referral bonus
|
- | ||
|
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.
|
||||||
| 149 | Money Transfer | - |
£40
referral bonus
|
£40
signup bonus
|
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.
|
||||||
| 150 | Shopping | - |
£30
referral bonus
|
£30
signup bonus
|
||
|
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.
|
||||||
| 151 | Investing | - |
£200-£400
referral bonus
|
Fee-free year
signup bonus
|
Ask a friend to invite you | |
|
Interactive Investor (ii) is a UK investment platform offering ISAs, SIPPs, and Trading Accounts. Referred friends get 12 months without account fees when they fund their account with £5,000+ within a year. You can earn £200 (ISA/Trading Account) or £400 (SIPP) every time you refer a friend. 18+ UK only.
|
||||||
| 152 | Utilities | - |
50%
referral bonus
|
50%
signup discount
|
Ask a friend to invite you | |
|
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.
|
||||||
| 153 | Investing | - |
£100
referral bonus
|
£100
signup bonus
|
Ask a friend to invite you | |
| 154 | Cashback | Varies |
£4
referral bonus
|
£4
signup bonus (+ cashback)
|
||
| 155 | Food and Drink | - | No reward | - | ||
| 156 | Surveys | - |
£0
referral bonus
|
£0
signup bonus
|
||
| 157 | Surveys | - |
£1
referral bonus
|
£1
signup bonus
|
||
| 158 | Surveys | - |
£1
referral bonus
|
£0
signup bonus
|
||
| 159 | Surveys | - |
£0
referral bonus
|
£0
signup bonus
|
||
| 160 | Surveys | - |
£0
referral bonus
|
£0
signup bonus
|
||
| 161 | Cashback | Varies |
£2
referral bonus
|
£1
signup bonus (+ cashback)
|
||
| 162 | Utilities | - |
£50
referral bonus
|
£50
signup bonus
|
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.
|
||||||
| 163 | Shopping | - |
£25
referral bonus
|
£25
signup bonus
|
||
|
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 163 of 163 offers
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.
Related Money-Making Guides
- Bank Switching Bonuses - Earn £100-£175
- Best Cashback Sites - Save £200+ annually
- Best Online Reward Platforms - Sites that pay you to play games & sign up to try service.
- Best Survey Websites - Get paid for your opinion
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.
