The Ultimate Guide to Refer a Friend Programs in the UK

Welcome to your one-stop resource for earning a little cash from Refer a Friend reward programs in the UK. Whether you’re looking to earn extra cash, snag exclusive discounts, or unlock special rewards, our comprehensive 2023 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.

Welcome to the Ultimate Guide to Refer a Friend Programs in the UK

Embark on a journey of savings and rewards with our comprehensive list of Refer a Friend programs. Whether you’re looking to earn cashback, score discounts, or gain exclusive access to deals, the Scrimpr guide is your one-stop-shop for the best referral opportunities across the UK.

From finance to shopping, technology to services, we’ve curated a list of top-tier programs designed to benefit both you and your friends. Browse, compare, and start referring today!

Discover Offers

Park Christmas Savings Logo
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Park Christmas Savings Refer a Friend Offer
Park Christmas Savings Refer a Friend – Get a £10 Bonus When You Save £25 for Christmas 2024, and £10 For Each Friend You Refer

T&Cs apply

Park Christmas Savings free money refer a friend bonus UK
Park Christmas Savings is the UK’s largest Christmas savings club. They provide a structured and convenient way for you to set a personal savings target for Christmas, allowing regular instalments towards gift vouchers, hampers, and more. This approach ensures that your festive season is financially manageable and stress-free. As an incentive for new customers, Park Christmas Savings offers a refer-a-friend scheme that includes a bonus of £10 into your account. This bonus can be used towards any of the gift cards they sell, providing additional value for your Christmas 2024 preparations.

Join Park Christmas Savings – Get a £10 Bonus for Your Festive Planning


If you’re considering saving for Christmas with Park Christmas Savings, here’s how you can take advantage of their services and the refer-a-friend bonus:

  • Sign up using a Park Christmas Savings refer-a-friend link.
  • Set up your account with your desired savings goal for Christmas 2023. You have the flexibility to adjust this goal and add to your order up until November.
  • Select from a variety of gift cards and vouchers for your Christmas savings. Choices include popular options like Love2shop, Amazon, ASDA, Tesco, The Purple Card, M&S, Dining out, and more.
  • Decide on your payment method for your Christmas savings. Options include direct debit, debit/credit card (with a £5 minimum), bank transfer, their app, phone, post office, PayPoint outlet, standing order, or by post.
  • Receive a £10 bonus in your account once you have contributed at least £25 towards your savings.
  • Refer friends to earn an additional £10 bonus for each friend who sets up an account and funds it with a minimum of £25.

Note: A minimum of £25 must be in your account to refer others. It’s essential to comply with this requirement to effectively participate in the referral program. I have already set up my account with an initial £25 and a regular direct debit for the rest of the year. Here’s proof of my account setup.

By joining Park Christmas Savings, you can ensure that your next Christmas is well-planned and financially secure, with the added benefit of the refer-a-friend bonus to enhance your festive budget.

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Octopus Energy Refer a Friend Offer
Octopus Energy Refer a Friend – Get a £50 Statement Credit When You Switch Energy Suppliers, and £50 For Each Friend You Refer

T&Cs apply

Octopus Energy £50 Free Money Refer a Friend Offer
Octopus Energy are currently the cheapest supplier for the Ofgem cap energy tariff (Flexible Octopus). The difference between suppliers is minimal (~£8 a year), but arises because of the small differences in the ways in which suppliers are able to implement the government cap, To make switching to Octopus a bit more appealing, they are offering new customers a £50 bill credit when signing up Octopus via a refer-a-friend link.

Switching to Octopus – Get a £50 Bill Credit


If you are thinking of signing up to Octopus, you should check that Octopus is cheaper than your current supplier. Especially if you have an Economy 7 meter (probably EDF is better).

If you are on a normal meter, there are two options:

  • Flexible Octopus (little cheaper than other suppliers due to a 4% reduction in the standing charge rates set by Ofgem).
  • Octopus Tracker (currently ~30-40% cheaper than Ofgem cap)
    This link takes you to an auto-updating dashboard that shows the prices of the Tracker tariff for each region. The rate follows wholesale prices, and it is currently the cheapest tariff because wholesale rates are low. But in Octopus’ own words: “You will need to keep a close eye on your daily rate but at the moment it is cheaper than the Octopus Flexible tariff”.

Daily price updates for the Tracker tariffs are posted on Reddit to r/OctopusEnergyTracker and can also be found on this site here

I switched from Shell energy because Octopus were actually cheaper (despite all the price cap stuff), and then I joined the Tracker tariff to save even more money. If you want to see if Octopus is a good deal for you, here’s what to do:


How to get your £50 Bill Credit if Switching to Octopus is a good idea for you


1. Get your annual usage from your latest bill.
2. Click the Octopus £50 Bonus Referral link
As long as you have clicked the referral link you should see the “Special offer: £50 credit for you and XXX if you sign-up now.” banner at the top of this page.
3. Enter your postcode.
4. Click the “Get a quote button.” and then enter your details and click “Quote me” to see the rates available.
Compare these rates to those from your current supplier, and if they are better then you may wish to switch!
5. Click “sign me up” to get started with your switch to Octopus.
6. Sign up by entering your details and creating an account.
7. Look out for any emails confirming your switch and requesting your meter numbers.
I signed up just before New Year, and received my confirmation within 10 minutes. A few minutes later I was asked to enter my meter serial numbers (these are on your bill). Ten minutes after that, I received confirmation from my old provider (Shell) that my switch is underway.
8. Automatically receive your £50 referral credit once you are on supply and your first direct debit has been taken.

Then refer your friends (if it makes sense for them to do so), and you will both receive £50 when they sign up!

If you fancy joining the Tracker tariff, then once you are an Octopus customer just sign up on the Tracker page here

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Freetrade Free Share Refer a Friend Offer
Freetrade Refer a Friend Offer – Get a Bonus Worth Up to £100 When You Sign Up and Deposit £50, and the same For Each Friend You Refer

T&Cs apply

Freetrade UK free money refer a friend offer (free share)

Freetrade is a popular stocks and shares platform, similar to Trading212, Both platforms offer a wide range of fractional stocks and shares with commission-free trading, making them the cheapest way to invest. For a long time, Freetrade have been offering new UK users a nice welcome bonus of a free share (with a random value) when they sign up and deposit money onto the platform. New users only have to deposit to get the free share, so it is an nice way to be able to try the platform without putting any of your own money at risk.

Steps to claim your free stock worth between £10 and £100:
  • Obtain a referral link: Since Freetrade does not permit public sharing of referral links, request one on r/beermoneyuk on Reddit via chat or direct message (the sign up link below will take you to the page where people share their links privately on beermoneyuk.
  • Click the referral link you received.
  • Sign up and verify your account on Freetrade.
  • Fund your account with £50 within 30 days (note: you can withdraw this amount after receiving your free share).
  • Receive your bonus share, valued between £10-£100, which will appear as pending. The specific share will be revealed 7 days later when it’s added to your investment account.
  • Explore the app with your free share – you can keep it, sell it, or buy something else, but remember, proceeds from the sale of your free share can’t be withdrawn for 6 months after receiving it. The aim of this bonus is to encourage you to try out the app.
  • Then refer your friends to earn an additional bonus share for each friend who follows these steps. Refer from the Freetrade app by clicking the “Free shares” buttpm.

Notes on Freetrade: Freetrade offers three plans – Basic (Free), Standard (£5.99/month), and Premium (£11.99/month). While the paid tiers offer additional benefits, they are tailored for more serious investors. For starters, it’s advisable to try out the free plan first.


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Wealthify Free Share Refer a Friend Offer
Wealthify Free Share Refer a Friend Offer – Get a £50 Bonus When You Sign Up and Invest £250 for 3 months, and £50 For Each Friend You Refer

T&Cs apply

Wealthify Refer a Friend Offer

Wealthify is a personal investment service app, and another platform for long-term investors. Right now they are offering new UK users a nice welcome bonus.

Steps to claim your £50 welcome bonus:
  • Sign up on the Wealthify website using the Wealthify £50 bonus referral link.
  • Set up and verify your account, selecting your investment preferences, such as a general investment account or a stocks/shares ISA.
  • Deposit £250 into your Wealthify investment account.
  • Maintain your investment of £250 in the account for 3 months.
  • Receive your £50 bonus, which will be paid directly into your Wealthify investment account.
  • Another advantage of Wealthify is their low fees. For an investment of £250, you’ll only pay about £0.48 in fees for the first three months.
  • Refer your friends to earn an additional £50 bonus for each friend who follows these steps. Refer from the Wealthify app under the rewards tab or via your dashboard on the website.

Notes: Wealthify is a robo-investing platform that automatically manages your investments based on your risk profile. I personally use a set-and-forget direct debit and plan to use this platform for the long term.

Additional note: By sharing your unique Wealthify referral code, available in the app or on your dashboard, you can invite friends via email, WhatsApp, social media, etc. For more details, check the Wealthify Refer-a-friend FAQ.


Remember to adhere to investment sensibilities and understand that all investments carry risks. Wealthify makes investing accessible, but it’s important to consider your financial situation and investment goals.
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Zilch refer a friend offer
Zilch Refer a Friend – Get a £15 Bonus When You Sign Up, and £15 For Each Friend You Refer

T&Cs apply

Zilch Refer a Friend Free Money Sign Up Bonus Offer

Zilch is an app-based buy now, pay later service. They are currently offering new UK users a £5 to spend when they try out the app. All you need to do is download the app using a referral link, sign up, link a debit card, add your Zilch virtual card to Google/Apple Pay, and spend any amount using your contactless method of choice. No deposit is required.

What is Zilch?

Zilch is an app-based virtual Mastercard provider that is authorized and regulated by the Financial Conduct Authority. The app allows you to pay upfront and earn cashback (using your linked card). Alternatively, you can spread the cost of payments over several payments for a cost of £2.50 per transaction. The card can be added to Google Pay and Apple Pay.

Zilch is also a shopping gateway, and provides up to 5% cashback at participating online retailers. Or 0.5% back when you activate your card and shop in store.

The £5 bonus can be spent in any shop, but Zilch also provides a shopping gateway to over 5000 stores.

Zilch does not perform hard credit checks.


Steps to get your free £5:
  • Download the Zilch app using the referral link on your mobile device:
    Zilch £5 Free Bonus Link
  • Enter your details
  • Confirm your email address
  • Add a debit card. To fund your purchases with Zilch.
  • Add your virtual Zilch card to your mobile wallet (Google/Apple Pay)
  • Make a payment in a shop using contactless payment (Tap & Pay)
  • Receive 500 bonus points (worth £5) in your account.
  • Spend your free £5.

To spend your reward, click “Try Zilch Anywhere”. Ensure “Pay is all now” is on, and toggle the “Use your Zilch rewards” switch.

Then spend your £5 using the virtual card details (or in a shop using contactless). If you just want to spend your £5 and be done with Zilch, I would recommend topping up your Amazon account by £5 (no more, no less) to use up all of your reward points.


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Vanquis refer a friend offer
Vanquis Refer a Friend – Get a £25 Bonus When You Sign Up, and £25 For Each Friend You Refer

T&Cs apply

Vanquis free money refer a friend offer

Vanquis is a UK credit card company that offers “credit building” cards. They are currently offering new UK users a £25 referral reward when they sign up with a referral link, get approved for a credit card, and make a purchase within 90 days of signing up.

Steps to get your free £25:
  • Click the Vanquis referral link
  • Enter your details and apply for a Vanquis credit card
    Vanquis will check your eligibility first with a soft credit check.
  • Wait for your card to arrive,
  • Activate your card (using the App or by phoning Vanquis).
  • Make a purchase using the Vanquis card (I just topped up my Amazon account).
  • Pay off your Vanquis card immediately (you don’t want to get charged interest).
  • Receive your £25 credit. Terms state that it will be paid within 45 days, but it is usually applied within a week.
  • Spend your £25 bonus – another Amazon top up perhaps!
  • Refer your friends to get a £25 credit when they perform the above steps!

Notes: Vanquis will do a “soft search” on your credit history when you apply. If accepted, they will perform a hard credit search. This is also a credit card offer, so it will be added to your credit report. Usual credit card sensibilities apply.

Other note: It is actually possible to buy, e.g., a £25 Amazon top up and then the bonus will cover your purchase. However, the bonus may not be applied in time. So I recommend doing a £1 purchase and waiting for the bonus!


Understanding Refer a Friend Programs

Refer a Friend programs are a win-win for both businesses and customers. Companies get to extend their reach, while you enjoy a variety of rewards for spreading the word. Here’s how these programs typically work:

  1. Sign Up: Join a Refer a Friend program on your favorite brand’s website.
  2. Share: Use the provided referral link or code to invite friends and family.
  3. Earn Rewards: Receive bonuses, discounts, or other incentives when your referrals make a qualifying action, such as a purchase or sign-up.

It’s a simple yet effective way to earn extra perks while sharing products and services you love. With a diverse range of programs available in the UK, there’s something for everyone.

Explore Programs
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Comprehensive List of Refer a Friend Offers in the UK

Discover over 100 Refer a Friend programs across various categories. Use the search and filter options to find the offers that best suit your needs.

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  • Refer a Friend Offers in the UK

    Comprehensive List of Refer a Friend Offers in the UK

    Discover over 100 Refer a Friend programs across various categories. Use the search and filter options to find the offers that best suit your needs.

    Comprehensive List of Refer a Friend Offers in the UK

    Explore our exhaustive list of Refer a Friend programs across various categories. Find the best deals and start referring today!

    Our list is continuously updated to bring you the latest and greatest Refer a Friend offers in the UK. Start sharing and earning today!

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