UK Refer a Friend Offers (2026)
27+ referral offers — earn bonuses by sharing services you already use with friends and family
By Scrimpr
Updated 16 May 2026
The biggest list of UK refer-a-friend offers across banking, investing, energy, cashback and more.
By Scrimpr
Updated 16 May 2026
On This Page
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.
Showing 27 of 27 offers · Updated 16 May 2026
Featured
1
TopCashback
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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
2
Quidco
Cashback
Your Reward
£20-£25
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 16 May 2026
Quidco is the UK's second-largest cashback site. It offers cashback at thousands of UK retailers, exclusive rates that TopCashback's guarantee can't match, and the Quidco Compare service for insurance and utility switches. Get a £10 bonus when you sign up with my link and earn your first £5 in confirmed cashback.
Featured
3
Rakuten
Cashback
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus (+ cashback)
Min spend £50 · Verified 16 May 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
4
Jam Doughnut
Cashback
Your Reward
£5
referral bonus
Friend Reward
£3
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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
5
EverUp
Cashback
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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.
6
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
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.
7
Airtime
Cashback
Your Reward
£2
referral bonus
Friend Reward
£2
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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.
8
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus
FCA regulated · Verified 12 May 2026
Existing Beanstalk customers can refer friends; both get £5 when the referee opens a Junior ISA or ISA and makes a contribution within 3 months.
9
Sprive
Cashback
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 16 May 2026
10
Your Reward
£1,500
referral bonus
Friend Reward
£250
signup bonus
Min spend £300 · FCA regulated · Verified 12 May 2026
Refer-a-friend transfer offer: tiered £300–£1,500 reward when the referee transfers £20,000+ and holds for 12 months. ISA, SIPP or Dealing.
11
Avios
Cashback
Your Reward
500 Avios
referral bonus
Friend Reward
500 Avios
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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).
12
Your Reward
£30
referral bonus
Friend Reward
£30
signup bonus
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.
13
KidStart
Cashback
Your Reward
£5
referral bonus
Friend Reward
-
Min spend varies · Verified 16 May 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.
14
J.P. Morgan
Investing
Your Reward
£50-£100
referral bonus
Friend Reward
£50-£100
signup bonus
Min spend £500 · Verified 12 May 2026
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.
15
Tuck
Cashback
Your Reward
£2
referral bonus
Friend Reward
£1
signup bonus (+ cashback)
Min spend varies · Verified 16 May 2026
16
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
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.
17
Swagbucks
Cashback
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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.
18
Your Reward
£200
referral bonus
Friend Reward
Fee-free year
signup bonus
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.
19
Budgey
Cashback
Your Reward
£3
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 16 May 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.
20
Your Reward
Up to £200 random reward (typically smaller)
referral bonus
Friend Reward
Up to £200 random reward (typically smaller)
signup bonus
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.
21
Virgin Red
Cashback
Your Reward
£5
referral bonus
Friend Reward
£5
signup bonus (+ cashback)
Min spend varies · Verified 16 May 2026
22
Your Reward
£25
referral bonus
Friend Reward
£25
signup bonus
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.
23
Picodi
Cashback
Your Reward
£4
referral bonus
Friend Reward
£4
signup bonus (+ cashback)
Min spend varies · Verified 16 May 2026
24
Your Reward
£100
referral bonus
Friend Reward
£100
signup bonus
FCA regulated · Verified 12 May 2026
£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.
25
Your Reward
$7-$175
referral bonus
Friend Reward
$7-$175
signup bonus
FCA regulated · Verified 12 May 2026
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.
26
Your Reward
£10
referral bonus
Friend Reward
£10
signup bonus
FCA regulated · Verified 12 May 2026
Refer-a-friend offer: both get £10 when the referee opens a Wahed account via referral and funds with £100+. Sharia-compliant investing.
27
Your Reward
€5-€200
referral bonus
Friend Reward
€5-€200
signup bonus
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.