Free Money UK Offers

Provider

AJ Bell

£100 Amazon.co.uk gift card

Request an invite through this page. If you have never been an AJ Bell customer and get £10,000 in total into eligible accounts within 120 days of your first account application, you get a £100 Amazon.co.uk gift card by email 30 days after funding, as long as at least £10,000 is still held. AJ Bell can reclaim it within 12 months if withdrawals or transfers cut your account value by more than 75%.

Requirement: £10,000 total eligible funding within 120 days of the first account application; £10,000 still held when the voucher is issued

Provider

Raisin UK

£100

Register through our link as a new Raisin UK customer, then make your first savings account a fixed-rate bond of one year or longer with at least £10,000 in it, opened and funded within 365 days of registering. Raisin pays you £100 within 28 days of opening and funding, with no claim needed. Bond money is normally locked until maturity, so compare the rate and term first.

Requirement: At least £10,000 in one first qualifying fixed-rate bond for one year or longer, opened and funded within 365 days of registering

Provider

Chip

£50

Join Chip through this referral link or with code CHIP-XWW289 by 23:59 on 31 October 2026 as a new customer, pay at least £1,000 into eligible Chip savings or investment accounts and keep at least £1,000 there for 90 consecutive calendar days. The £50 bonus goes into an open Chip Instant Access or Prize Savings Account; Easy Access and the Chip Pension don't count.

Requirement: Deposit at least £1,000 into eligible accounts and maintain at least £1,000 for 90 consecutive days

Provider

InvestEngine

£20–£200

Join InvestEngine through this referral link as a new customer, open an eligible personal account (ISA, GIA or SIPP) and invest at least £100, and InvestEngine's referral terms let you claim randomly drawn funding of £20–£200. You must then keep at least £100 plus the bonus invested for 12 months.

Requirement: Invest at least £100 in an eligible personal InvestEngine portfolio (ISA, GIA or SIPP)

Provider

Rakuten UK

£25 cashback

Shopping anyway? Route it through Rakuten. Join Rakuten UK via the referral link, spend £50 (exc. VAT) across eligible brands — Amazon excluded — within 90 days of joining, and £25 cashback is yours once the spend tracks and is approved. The £50 can be split across multiple purchases and brands, which keeps things flexible. Mind the tripwires, though: cancelled, returned, untracked or ineligible purchases don't count, and neither do unapproved voucher codes. Start from a clean browser session and click through from Rakuten right before you buy.

Requirement: £50 eligible tracked spend excluding VAT within 90 days

Provider

Trading 212

£8–£100 in shares

Open an Invest account, Stocks ISA or SIPP through our invite between 21 September and 3 November 2026, then deposit at least that account's minimum within 10 calendar days of opening (£1 for the Stocks ISA). You get a share worth £8 to £100 for a GBP account, picked at random with higher values less common. Its value is locked for 30 days from crediting, and reversal and recovery rules apply. Keep a note of your opening date and when the 30-day lock ends.

Requirement: The account's minimum deposit within 10 calendar days of opening: £1 for the Stocks ISA; check the Invest or SIPP minimum in the app

Provider

Currensea

£10

Currensea's £10 needs £100 of foreign-currency spending within 180 days and a card kept for 90 days, which nets about £9.50 on the free Essential plan while delivery stays waived. The catch is the bank list: only 14 UK banks can be linked, so Monzo, Starling, Revolut and Chase customers can't use it. Checks are soft searches with no footprint.

Requirement: £100 in foreign currencies within 180 days of opening; keep the card for 90 days

Provider

Saily

£4 / £8 off

Code JIMMYU6940 takes £4 off a standard Saily plan or £8 off Ultra on your first order when your account is in pounds (US$5/US$10 in dollars, €4/€8 in euros). The plan must cost at least £4.50, so the 1GB plans don't qualify, and it can't be combined with other promotions. Top-ups after that are full price.

Requirement: First purchase; USD minimum US$5.60, EUR €5, GBP £4.50; no combination with other promotions

Provider

Simply Business

£25 gift card

Let's be straight about this one: it's only worth a look if business, shop or landlord insurance is already on your shopping list. Buy a 12-month policy directly through the referral link and, once both policies have ticked over 60 days with premiums paid, you get a £25 e-voucher to spend at Amazon, John Lewis or M&S. The sums that matter: this is a real insurance commitment, not free money; the reward email can take up to 90 days to land; and you've got 90 days to claim it before the link dies. Bought through a partner? Doesn't count. Had a Simply Business policy in the last 12 months? Doesn't count either. Their live terms have the final word, as always.

Requirement: 12-month business, shop or landlord policy bought direct via the referral link — partners don't count

Provider

Vitality

£100 gift card

Here's the honest version first: this is only worth touching if health or life cover is already on your agenda. Take out a qualifying Vitality personal health or life plan directly through the referral link, pay at least £25 a month, and once Vitality has collected your first three monthly premiums, you can claim a £100 Amazon or John Lewis gift card. Do the sums before you start: you'll have paid at least £75 in premiums before anything arrives, the reward email lands 30 days after the third premium is collected, and you've got 90 days to claim it. Cover bought through a third party doesn't count, and both sides must meet Vitality's eligibility rules. Vitality's live terms call the shots.

Requirement: Qualifying personal health or life plan with at least a £25 monthly premium; first three monthly premiums collected

Provider

Zoho

£78 credit

Sign up for Zoho's business software (CRM, Mail, Books, Workplace and 55+ other apps) through this referral link and you receive US$100 in Zoho Wallet credits to spend on Zoho products. It is credit toward Zoho purchases, not withdrawable cash, so it only has value if you actually use a paid Zoho app.

Requirement: No deposit or minimum spend to receive the US$100 Wallet credit, but you must be new to Zoho's paid plans and sign up through the referral link; the credit can only be used on Zoho purchases, not withdrawn.

Provider

Airalo

£2 off

New to Airalo? Code JIMMY2336 takes US$3 off your first eSIM, which Airalo shows as £2.50 when you pay in pounds. Add it at sign-up or at checkout; only one discount works per order, so it can't be stacked with Airmoney or another code. Check the order summary before you pay, and check your phone has eSIM: many models bought in Asia don't.

Requirement: First purchase only; Airalo's Refer and earn page lists no minimum spend

Provider

eToro

£8

A small welcome for new eToro customers: register through our invite link and make a deposit, and eToro's invite screen says you can get up to $10 in free stocks. Read the Refer a Friend terms linked from the invite offer before you pay in: they set the minimum deposit, eligibility and timing. You don't need CFDs, leverage or crypto for this, so skip them unless you know exactly what you're doing. Capital at risk; not investment advice.

Requirement: A deposit after registering; amount per eToro's live Refer a Friend terms

Provider

Monzo

£10, £20 or £50

Monzo's referral terms give a new UK customer 30 days from entering their mobile number on the invite page to open an account, add money and make one card payment. Your reward is random: £10 for 94 people in 100, £20 or £50 for the rest, and only £5 in some cases. Open it for the account, not the bonus.

Requirement: Add money (any amount) and make one eligible Monzo card payment within 30 days

Provider

Chase UK

£50

Chase pays you £50 when you activate a single-use referral code in the app and pay in £1,000 in total within 30 days of opening your first account. Chase only lets customers send codes to people they know, so request a private invite from this page rather than relying on a public code. Move the £50 out of Rewards before you ever leave Chase.

Requirement: Activate a personal single-use code and pay in £1,000 in total within 30 days of opening your first Chase account

Provider

Octopus Energy

£50 energy credit

Thinking of switching energy supplier? Move to Octopus Energy with referral code teal-eve-757 and you get £50 energy credit on a home switch. Business and charity switches get a fatter £75. The credit usually lands after your switch completes and the first Direct Debit goes through — it's account credit, not instant cash. One sensible rule: compare the tariff against your current deal first. Only switch if the numbers work for your usage, not just for the fifty quid.

Requirement: Eligible Octopus Energy home, business, or charity switch

Provider

Google Fi

£47 credit

Google Fi is for US residents aged 18+ with a physical US primary-use address, US activation and mainly US use. Living in Britain alone does not qualify. If you meet those rules, use this page's link and code M0APFR for US$60 in Fi service bill credit. Activate a new full-service plan within 30 days of checkout, keep it active for 30 consecutive days and pay the first bill in full. Data-only SIMs and members added to an existing group plan do not qualify. The credit cannot buy a phone or be withdrawn as cash.

Requirement: Activate a new full-service Fi plan, keep it active for 30 consecutive days and pay your first bill in full

Provider

iD Mobile

Up to £35 cash

Switching mobile plan and getting paid for it? Accept the iD Mobile invite and complete an eligible pay-monthly order through the tracked referral journey — phone contracts and SIM-only both count — and you land a cash reward, currently £5 to £35 depending on the plan. The full £35 is only on the qualifying plans in the live reward table, so check before you commit. Honest notes: confirmation can take up to 120 days, tracking breaks if you leave the referral journey or block cookies, and the plan price, contract and coverage matter far more than the bonus.

Requirement: Complete an eligible iD Mobile pay-monthly phone or SIM-only order; reward varies by plan

Provider

Zopa Biscuit

£20

Open a Biscuit bank account through GetQuids' Zopa invite link and you get £20, provided you've never used the Zopa app or held a Zopa product. Enter your mobile number on the invite page first and finish within 30 days; the live invite terms control.

Requirement: None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number

Provider

HomeServe

£25 Amazon gift card

Boiler playing up? Take out a selected HomeServe home cover policy through this referral link, stay a customer for at least 90 days with premiums paid, and you get a £25 Amazon.co.uk gift card by email. Straight talk: it's a gift card, not cash, and cancelling inside the 90 days voids it. If you were already shopping for home cover, that £25 is a tidy bonus — but don't buy a policy you don't need just for the voucher. HomeServe's live refer-a-friend terms call the shots.

Requirement: Buy a qualifying HomeServe cover policy online and stay a customer for at least 90 days with premiums paid

Provider

Monese

Up to £10

Monese's invite page pays £5 for activating the physical card and making one card payment, and £5 more after £500 of spending, within a year of opening. After a £0.99 transfer in, that's about £9 net, or about £4 if you're charged £4.95 for card delivery. Worth it only if you need a stopgap account anyway.

Requirement: Stage 1: activate the physical card and make one card payment; stage 2: £500 of card spending or qualifying transfers, within 1 year

Provider

Quidco

£10 bonus unlocked

Quidco keeps the bar low: join through the referral link, earn £5 of confirmed cashback through your shopping, and a £10 bonus unlocks. The catch is that word confirmed — pending, declined and returned purchases don't count, and confirmation can take weeks. For tracking that actually tracks: click through from Quidco right before checkout, keep cookies enabled, and avoid unapproved voucher codes. Once the £10 lands, shopping cashback stacks on top. Joining is free.

Requirement: £5 confirmed cashback; pending or declined cashback does not count

Provider

TopCashback

£10 welcome

The UK cashback institution. Join TopCashback via the referral link and meet the current welcome-bonus terms' payable-cashback requirement to unlock a £10 bonus — the operative word is payable: tracked is not confirmed, and the retailer has to validate the sale first, so patience is required. Then keep earning across 6,000+ retailers, withdrawing to your bank, PayPal or gift cards (which sometimes carry a top-up bonus). The standard account is free; the paid Plus tier lifts some rates but isn't required. Cashback can take weeks or months to confirm — that's just how the game works.

Requirement: Qualifying cashback must become payable before bonus payout

Provider

Trip.com

£8

Join through this Trip.com invite to receive the advertised HK$80 hotel promo code. Check its minimum spend, eligible bookings and expiry in your account: some referral discounts are app-only and cannot be combined with other Trip.com promo codes.

Requirement: Register via the invite link; the HK$80 code applies to eligible hotel bookings

Provider

Global YO

£8 credit

Join Global YO through our link and buy your first data plan, and its in-app invite screen says you get 1,000 YOYO$ (shown as $10) for later data deals and discounts. Prices are in dollars, YOYO$ are app points rather than cash, and each plan screen caps how much they can cover. Watch for the VPN trial at checkout: it renews at US$4.99 a month unless you cancel.

Requirement: Buy your first data plan after joining through our link; signing up alone earns nothing

Provider

Rebtel

£8 credit

Ringing family abroad, or topping up their phone? Sign up through our invite link on the web page it opens and buy at least US$5 of pay-as-you-go credit there (the £5 pack covers it; skip the App Store, which adds Apple's fees), and Rebtel adds US$10 of credit. You must be new to Rebtel, and free trials don't count. It's call credit, not cash, and Rebtel doesn't say what it shows as in a pound account.

Requirement: Buy at least US$5 of pay-as-you-go credit (Rebtel's invite terms; its help centre says US$1); free credits, deals and trials don't count

Provider

Wise

Free card (£7) or fee-free transfer

Join Wise through this invite link and you choose one gift: the physical card free (it normally costs £7) or one transfer of up to £500 with no Wise fee. Nothing to spend first. If you want the card anyway, the free card is usually the bigger saving: on the routes we priced, even a £1,000 transfer costs less than £5 in fees.

Requirement: None: signing up through the invite link is enough to choose the gift

Provider

giffgaff

£5 extra credit

A free SIM plus £5 credit on activation — the sort of easy win you don't walk past. Order your free giffgaff SIM through this page, activate it when it arrives, and the £5 extra credit lands under giffgaff's current offer terms. Fair note: it's mobile account credit, not cash — and the plan, coverage and price still need to suit your actual usage. Lovely stuff.

Requirement: Order a free giffgaff SIM through the affiliate link and activate it to receive £5 extra credit

Provider

iFAST Global Bank

£5

Open an iFAST account through this referral link, put in at least £500 within 30 days of approval and the £5 arrives the next day, with no need to keep the money there. It's a small extra: at 2.65% AER, £500 left for 30 days earns about £1.08 of interest on top, so the bonus matters most if you'd use iFAST as a second account anyway.

Requirement: First deposit of at least £500 (or the equivalent) within 30 days of approval, per the latest published (Q3 2026) terms; the 30 September extension calls it a minimum first deposit and published no new terms

Provider

Snoop

£5 Amazon voucher

Snoop is the money-management app that keeps tabs on your spending and serves up money-saving ideas. Join as a new user through the referral link, connect an eligible bank or credit-card account via Open Banking within 30 days, keep it connected for at least 14 days, and a £5 Amazon voucher is yours once the referral checks clear — no spending required. Note the small print: it's a voucher, not cash, and it's for UK residents aged 18+ only. Linking a bank account is the whole ask, so read Snoop's privacy and security info first and only connect if you're comfortable.

Requirement: Connect an eligible account within 30 days and keep it connected for 14 days

Provider

Zilch

£5 in Rewards

Get approved and your card issued within 30 days of signing up through this link, add one small Tap and Pay purchase on Pay now to be safe, and Zilch adds £5 in Rewards within 10 working days. The value is in Pay now at stores you already use; the pay-later side is credit (representative APR 14.9% to 31.9% by tier), and Auto Snooze charges £1 or £2 per failed instalment.

Requirement: Verify your ID, get approved and receive your card within 30 days; the referral page also asks for a first Tap and Pay purchase

Provider

Roamless

£4 credit

Roamless is a single global eSIM for 200+ destinations: install it once and pay as you go, from US$1.95 per GB in the UK, US and much of Europe. Enter referral code JIMMYQZD in the app within 30 days of opening your account and before you pay, then buy at least US$5 of credit or a data plan within 30 days of signing up, and you get US$5 of credit. The small print: no promo code on the same purchase; the credit can't buy data plans or Unlimited plans and isn't cash; data plans last 30 days from first use, and the terms let Roamless cancel credit after 12 months of inactivity. You pay in US dollars.

Requirement: Enter code JIMMYQZD in the app before you buy, within 30 days of creating your account, then buy at least US$5 of credit or a data plan within 30 days of sign-up. Referral and promo codes can't be combined on one purchase

Provider

JamDoughnut

£3 bonus + instant cashback

Buy from the same few brands on repeat? JamDoughnut lets you pre-buy their gift cards and skim cashback off the top. Sign up with code XKNB and, after your first eligible gift-card purchase, a £3 welcome bonus (usually 300 points) lands in your account — then every gift-card buy earns instant cashback, no weeks of tracking purgatory. One caveat: cashout is commonly £10, so the £3 alone won't escape — stack it with your cashback. Brands, rates and the Jamtastic weekday draws change, so check the live app.

Requirement: First eligible JamDoughnut gift-card purchase

Provider

Klook

£3

The supplied Klook invite screen advertises a HK$30 promo code with U6BZD. Public official help confirms the referral mechanism but does not expose the current amount; check and redeem the code in the app, including minimum spend, products and expiry.

Requirement: Register with invite code U6BZD; the HK$30 code applies to eligible bookings

Provider

TrainPal

Up to £3 off train fares

Booking UK trains? Register on TrainPal with invite code 880961f5$00 — or the referral link — and knock up to £3 off a train ticket. The referral screen says you get a £3 promo code when you register. Apply the code in the app at booking. Small print: it's a ticket discount, not cash, and eligible routes, minimum spend and expiry follow TrainPal's live terms.

Requirement: Current TrainPal promo-code and eligible train-ticket terms

Provider

KKday

£3

Booking tours, attraction tickets or experiences on KKday? Register as a new customer through this invite link and a HK$27 travel fund (about £2.70) lands in your account towards eligible bookings. It's modest, but it's free money off things you'd buy anyway. Do read the fine print: the fund is booking credit, not cash, and the usable amount, any minimum spend and expiry follow KKday's live travel-fund terms — check before you book.

Requirement: Register via the invite link; credit use follows KKday's live travel-fund terms

Provider

Kolet

£2 off

Buying a Kolet eSIM for a trip? Order in the Kolet app, because codes don't work on the website: tap '+ Add a promo code' at checkout and enter GETQUIDS for US$3 off your first plan. It's for new customers only (not if you've bought before or claimed the free 1GB gift), one promo code per order (Koins can go alongside it), and only on a plan for a trip abroad, so not on a UK plan. Check the US$3 has come off before paying, and make sure your phone is unlocked and eSIM-compatible.

Requirement: First Kolet eSIM plan purchase; US$3 off with GETQUIDS at checkout in the app

Provider

Yolla

£2 credit

Calling family abroad on the regular? Yolla is the app for cheap international calls to mobiles and landlines. Install it through the invite link (promo code A7T8I9), make your first payment, and Yolla's official Free Credits page says each invited friend gets a US$3 gift — with the FAQ counting top-ups of US$4 or more. If the code doesn't auto-apply on the payment screen, enter A7T8I9 in the app menu's Get bonus / Bonus (promotions) section before topping up. Pro tip: don't switch between mobile data and Wi-Fi during sign-up or the invite tracking can break. It's call credit, not cash.

Requirement: First Yolla payment (top-ups of US$4 or more count for referrals, per Yolla's FAQ)

Provider

Airtime Rewards

£2 bonus for £5 spend

A tidy little loop: join Airtime Rewards with code KXLWU8VY, spend £5 at participating retailers within 7 days, and a £2 bonus is yours — gift-card purchases don't count toward the qualifying spend, so don't get caught out. After that, everyday shopping across 200+ retailers keeps earning, and rewards can be cashed in against your mobile bill. You link a payment card so spend can be tracked, and retailer line-ups and rates can change — worth a glance at the live terms before you start.

Requirement: £5 spend within 7 days

Provider

Post Office Travel Money Card

£10 card credit

A prepaid travel card is one of those sensible holiday bits — and this one comes with a tenner attached. Order a new Post Office Travel Money Card through the referral link and load at least £100 within your first three loads (within 3 months), and you get £10 loaded onto the card. Two catches: cancel within the 14-day cooling-off period and the reward vanishes, and the £10 is card credit, not cash — it lands about 4 weeks after the cooling-off period. One qualifying card per person.

Requirement: Order a new Travel Money Card and load at least £100 across the first three loads within 3 months

Provider

Skrill Money Transfer

£10 transfer credit

Join Skrill as a new member through a personal invite and send at least £100 abroad to earn £10 of transfer credit. The credit comes off your next eligible transfer of £100 or more (clause 3.6 also mentions use on the first, so check the checkout), expires after three months and isn't cash.

Requirement: One completed transfer of at least £100, excluding fees or taxes, to a recipient in another country; using the credit needs another eligible £100+ transfer

Provider

Barclays

Up to £300

Open a sole Barclays Bank Account in the app, fully switch with at least 3 active Direct Debits and pay in £2,000 of salary within 30 days for £150. Then get £30 a month for up to 5 months by making 10 card purchases and paying in £2,000 of salary each month.

Requirement: Full CASS switch with 3 active Direct Debits and £2,000 salary within 30 days of opening; then 10 card purchases and £2,000 salary in each month for each £30

Provider

HSBC

£220

Open a sole HSBC Bank Account in the HSBC UK app and, within 60 days, complete a full CASS switch with at least 2 Direct Debits, pay in £2,000 and spend £500 on the debit card. HSBC pays £220 within 60 days of you qualifying; current and recent HSBC UK or first direct customers are excluded. Screenshot each step as you go.

Requirement: Within 60 days of opening in the app: full CASS switch with at least 2 Direct Debits, £2,000 paid in and £500 of eligible debit-card purchases

Provider

First Direct

£210

Open a 1st Account and, within 45 days, switch with CASS (at least 2 Direct Debits or standing orders), pay in £1,000, make 5 card payments and log on to the app or Online Banking. Accounts opened by 2 December 2026 get £210 (£175 plus a £35 boost); after that the £175 continues until first direct withdraws it. Note your opening date: every task counts from it.

Requirement: Within 45 days of opening: full CASS switch with at least 2 Direct Debits or standing orders, £1,000 paid in, 5 debit-card payments and a log-on to the app or Online Banking

Provider

NatWest

£200

Open a NatWest Select or Reward account and complete a full CASS switch from a bank outside NatWest Group. Within 60 days of the switch completing, pay in £1,250 (each payment held for 24 hours) and log in to the mobile app. Anyone who has ever had NatWest Group switch cash is excluded. Note the date your switch completes: the 60 days start then.

Requirement: Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login

Provider

RBS

£200

Open a RBS Select or Reward account and complete a full CASS switch from a bank outside NatWest Group. Within 60 days of the switch completing, pay in £1,250 (each payment held for 24 hours) and log in to the mobile app. Anyone who has ever had NatWest Group switch cash is excluded. Note the date your switch completes: the 60 days start then.

Requirement: Within 60 days after the switch completes: £1,250 paid in, each payment held for at least 24 hours, and a mobile-app login

Provider

Nationwide

£175

Switch a current account from another bank in full, moving at least 2 active Direct Debits, within 28 days; then pay in £1,000 and make one eligible debit-card payment within 31 days. A new or existing FlexDirect, FlexAccount or FlexPlus can qualify; switches from Nationwide or Virgin Money are excluded, and sole and joint bonuses are limited to one each since 2021. Pick the earliest switch date offered.

Requirement: Switch completes within 28 days; £1,000 paid in and one eligible debit-card payment within 31 days of opening or of asking to switch into an existing account

Provider

Lloyds

£200

Open a new Club Lloyds, Club Lloyds Silver, Club Lloyds Platinum or Lloyds Premier account between 17 September and 9 December 2026, start a full switch with at least 3 active Direct Debits by 9 December, and Lloyds pays £200 within 14 working days of the switch starting. Recent Lloyds, Halifax and Bank of Scotland switch-offer customers are excluded.

Requirement: Full CASS switch with at least 3 active Direct Debits, started by 9 December 2026