Raisin UK referral: £100 after a first £10,000 fixed-rate bond
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.
Read our full assessment →Quick answer
Use the referral link for the Raisin UK offer. New eligible customers can get £100 after meeting the 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. Last verified 2026-10-12.
- Reward
- £100
- Referral code
- No code required
- Last verified
- 2026-10-12
- Difficulty
- Medium
- Time to claim
- Approval time varies; up to 2 business days to open after funding
- Time to payout
- Within 28 days of opening and funding the qualifying bond; no claim needed
Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Register through our link as a new Raisin UK customer and complete the identity checks; some partner banks also ask for a passport scan.
- Compare the rate, term and partner bank before choosing. Don't open an easy access, notice or shorter fixed account first.
- Within 365 days of registering, make your first savings account one fixed-rate bond with a term of one year or longer.
- Fund that single bond with at least £10,000. You can pay it in over several transfers, but it can't be split across accounts.
- Check your Transaction Account for the £100 within 28 days of the bond being opened and funded; no claim is needed.
Eligibility & requirements
- New Raisin UK customers who register through the referral link; these terms apply to referrals made from 31 October 2025.
- You must be 18 or over, a UK resident with sole UK tax residency (people in the Crown Dependencies and British Overseas Territories can't apply) and not a US tax resident.
- You need a UK current account in your name (not a business account), a National Insurance number or UK tax ID, and a UK mobile number not linked to another Raisin account.
- You can't take part if you already have a Raisin UK, MSE Savings Hub, Willis Owen Smart Savings, AJ Bell Cash savings hub or Aviva Save account.
- Your first successfully opened savings product must be a single qualifying fixed-rate bond of one year or longer with at least £10,000, opened and funded within 365 days of registering.
- The bonus can't be combined with other registration or new-customer bonus codes. It is paid to your Transaction Account within 28 days of opening and funding the bond.
- Raisin currently offers only UK-regulated banks: deposits are covered by the FSCS up to £120,000 per person per banking licence, and Raisin caps deposits at that limit. Money waiting in the Transaction Account shares ClearBank's £120,000 limit. Bond money is normally locked until maturity.
Verification notes
- Minimum spend/deposit
- At least £10,000 in one first qualifying fixed-rate bond for one year or longer, opened and funded within 365 days of registering
- Last verified
- 12 October 2026
- Automated source check
- 15 September 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- A £100 cash bonus paid to your Transaction Account, with no claim needed.
- FSCS cover up to £120,000 per person per banking licence, and Raisin caps deposits at that limit.
Watch out for
- Needs at least £10,000 in one first fixed-rate bond of a year or longer; opening another savings account first rules you out.
- The rate, term and access matter more than the bonus. Fixed-rate bond money is normally locked until maturity.
FAQ
- Can several deposits add up to £10,000?
- You can pay the money in over several transfers, but at least £10,000 must go into one first qualifying fixed-rate bond of one year or longer. It can't be split across accounts.
- How long do I have to qualify?
- Open and fund the qualifying bond within 365 days of registering through the referral link.
- When is the bonus paid?
- Within 28 days after the qualifying bond is opened and funded, to your Transaction Account. No claim is needed.
- Is the bonus an extra 1% annual interest rate?
- No. £100 is 1% of the £10,000 minimum as a one-off amount, not an annualised product rate. Compare the actual term, interest and restrictions.
Related offers
Provider
AJ Bell
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
Medium120 days to fund from your first applicationPayout Gift card by email 30 days after qualifying funding, if £10,000 is still held
Verified 12 October 2026
Provider
Chip
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
Medium10-15 minutesPayout After the 90-day hold the £50 goes into Instant Access (or Prize Savings); Chip's terms say a bonus is only paid out to you when you withdraw your full Chip balance, and it can then take up to 5 working days to reach your bank
Verified 12 October 2026 · Ends 31 October 2026
Provider
InvestEngine
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)
Medium10-15 minutesPayout Claim in the app once your £100 investment settles; InvestEngine aims to credit within 2 business days, but it can take 5 or more
Verified 12 October 2026
Added 19 July 2026 · Last updated 12 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.