r/beermoneyuk

IG Trading is a UK-based platform that’s fully authorised and regulated by the FCA.

If you open an account through a referral link, deposit at least £50, and place a trade of any value within 30 days, you’ll qualify for a £50 bonus. The bonus will be credited to your account within 60 days of completing the trade.

The offer is valid across several account types; ISAs, SIPPs, and standard Share Dealing accounts.

• Message me for a referral link (public sharing is not allowed)

I’ll receive a reward too if you sign up using my link, so thanks in advance if you choose to do that.

Once you’ve been actively investing for three months, you’ll also unlock the ability to refer up to five people yourself. I’ve already passed that three-month mark, so my link is good to go.

^(T&Cs)

^(Fees)

^(non-ref)

American Express Preferred Rewards Gold is currently offering an enhanced sign-up bonus if you apply via referral.

Referral offer

You can get 45,000 Membership Rewards points if approved and if you spend £5,000 within 6 months.

Key points

Annual fee: £0 in year 1, then £195 from year 2

Credit check: yes, this is a credit card application

Eligibility: you must be a new eligible Cardmember and meet Amex’s approval criteria

Minimum income / other criteria: check the Amex application page before applying

Payout timing: referral bonus is awarded after approval and once the spend target is met; Amex says referral rewards can take up to 10 weeks to credit

Extra perks: 4 airport lounge passes per year, Deliveroo credit, and Membership Rewards points on spending

How to do it

Open the referral link below

Apply for the Preferred Rewards Gold card

Get approved

Spend £5,000 within 6 months

Receive the 45,000 Membership Rewards points

Important

This is only worth doing if you can hit the spend target naturally and will not carry a balance. If you pay interest, the bonus is not worth it.

Referral link: https://americanexpress.com/en-gb/referral/gold-credit?ref=mICHAR3GAM&XL=MIMNS

Non-referral link (only 40,000 points): https://www.americanexpress.com/en-gb/credit-cards/all-cards/

AJ Bell is a great investing platform for your SIPP or ISA. I use it for my SIPP and Lifetime ISA and I'm very happy with the low fees and vast selection of funds and stocks. Odds are if you're looking for a particular ETF, fund or stock traded on any major global exchange - they'll have it.

Platform fees are very low. There is a 0.25% annual charge, capped at £3.50/month for ISA and £10/month for SIPP. The cap applies to shares, ETFs, and bonds. Dealing charges are also very competitive at only £1.50/trade if you set up a regular investment. They also offer good interest rates on uninvested cash, especially on their SIPP. The web interface and app are very polished and easy to use and customer service is excellent.

AJ Bell is also one of very few providers that offer a Stocks & Shares Lifetime ISA (LISA). I won't go into detail on Lifetime ISAs here, but it's recommended that you at least have one open, as you are time-restricted on when you can open a LISA account - no later than age 40 and you can only contribute to it by age 60.

Overall, I highly recommend AJ Bell for your SIPP as it beats almost all workplace pensions. If you have a chance to do a transfer, I recommend it. I've consolidated all my workplace pensions from previous jobs there and I'm quite happy.

Now finally for the offer:

If you open a SIPP, ISA or Lifetime ISA with AJ Bell using a referral link and deposit or transfer a combined £10,000 within 120 days, you will receive a £100 Amazon voucher. There is no need to invest the money. AJ Bell pays 2.00% interest on cash in ISAs. You must be a new customer to qualify.

You'll receive the voucher within 30 days of meeting the funding requirement — often the next day — provided you haven't withdrawn or cancelled. Be sure to use the same email address everywhere so it tracks properly. DM me if you have any questions!

Many thanks if you use my referral link below. 🙏

Referral link: https://ajbell.mention-me.com/m/ol/je9uo-vic-t

Non-referral link: https://www.ajbell.co.uk/

I noticed my dad using one of those older work and pay tracking apps and it was honestly kind of frustrating to watch, too many steps, confusing UI, not really built for quick use.

That kind of made me think there’s space for something much simpler.

So I built TapIn, a lightweight app where you can quickly log work hours and see your earnings over time without it feeling complicated.

It’s still early, but the goal is just to keep it fast, clean, and easy to use.

If you’ve used similar apps (or track your hours for work/freelance), I’d really appreciate honest feedback especially on what feels missing or annoying.
https://play.google.com/store/apps/details?id=com.heikel.tapin&hl=az

JamDoughnut is a brilliant cashback app that gives you money back on gift cards at hundreds of retailers in-store and online.

If you're planning to shop somewhere, buying a gift card that offers cashback saves you money upfront as you essentially get a discount buying them.

New customers can receive an additional free £3 bonus (300 points) using a referral code when you make your first purchase. You can cash out when you’ve reached the £10 threshold (1,000 points).

Here's how to earn your free £3 reward on Jam Doughnut:

1. Download the JamDoughnut app via Google Play, App Store or the website
2. Enter my referral code if requested: YDIF
3. Make your first gift card purchase and the £3 (300 points) will automatically appear in your account
4. Use the app to buy gift cards at places you would normally shop to earn cashback, and once you’ve reached the £10 threshold, you can cash out

Examples of gift cards you can earn cashback on:

Sainsbury’s, Asda, Aldi, Morrisons, Costa Coffee, Boots, JD Sports, Airbnb, Marks and Spencer, Primark, Just Eat, Adidas and hundreds more.

LINKS

• Referral (£3 bonus): Enter referral code YDIF
• Non-referral link: https://www.jamdoughnut.com/

 

**Wealthyhood** is a DIY investment app for the UK, designed for long-term investors.

They are currently offering you **free ETF (or fraction of an ETF) worth up to £200 (minimum of £5)** when signing up using a referral link and depositing and investing £100, to encourage you to try out the platform.

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**Here's what to do:**

**1 -** [**Click here to send me a message**](https://www.reddit.com/message/compose/?to=floorlight&subject=wealthyhood) to ask me for my link. **Links are one time use, so you need to ask me for a new one**

**2 -** Once you’ve signed up, deposit a minimum of £100 into your account

**3 -** Invest your deposit. Once the investment settles you will see the reward pending

**4 -** You will receive a bonus within a few days

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You can't sell your free ETF share for 60 days commencing on the date the ETF settles in your account. Your original deposit is withdrawable, although Wealthyhood would like you to try out the platform and invest it.

Fees are 0.015% per month.

There is an Android and iOS app available.

*Terms -* [*https://wealthyhood.com/#faq\*\](https://wealthyhood.com/#faq)

*Non-ref (no bonus) -* [*https://wealthyhood.com/\*\](https://wealthyhood.com/)

Hello r/beermoneyuk!

cashback.co.uk is a GPT/cashback site that has recently renewed their site - meaning if you'd used their old site, you can signup and start again!

It's fairly straightforward - you sign up, complete 10 levels of tasks, and then you can cash out whatever earnings you have.

Steps to complete:

1. Sign up to cashback.co.uk using my link, you'll get a £10 head start with this link - here
2. Complete all ten levels of tasks, some examples:
   1. Sign up for Simplycook (just pay shipping, and get £5 profit)
   2. Sign up for AppleTV on Amazon Prime with a free trial - £3.50 profit
   3. Sign up for Betfred (useful to combine with Matched betting signups for extra profit!)
   4. Everyone's levels will be different, but for most levels there are no spend options, or low spend, and they approve fairly quickly!
3. Provide your payment details (paypal and bank transfer are possible)
4. Cash out! Cashout is paid on a regular basis and is super quick to process.

I've been using cashback.co.uk for a few years now, as has my partner, and my lifetime earnings with the new site is at £100 - of which probably about £60 is profit.

If you have any questions I'd be very happy to help!

Ref link to sign up - here

Non ref link - here

Happy earning!

If you have a mortgage this app is handy as it encourages you to overpay your mortgage.  

The idea with 'overpaying' is that you are chipping away at your mortgage quicker, and becoming mortgage-free sooner. It doesn't affect your current mortgage deal, it's just putting more money into it, so that it reduced your balance bit by bit.

The app allows regular payments into your mortgage via direct debit, one-off payments, or by buying cashback vouchers.

There is a cashback scheme with various shops/supermarket where the cashback goes towards paying off your mortgage. It's an interesting concept and the offers can be decent (when boosted). 

Steps for this offer:

1. Sign up using a referral link: https://linkprod.sprive.com/refer?code=YZ1AOD6L

2. If it hasn't defaulted in, add this code manually: YZ1AOD6L

3. Sign up, link your bank account via open banking.

4. Your mortgage will be searched for and found.

5. Buy a giftcard and you'll get boosted cashback rates for a week

You can get £5 or sometimes £10 for referring each friend.

This app is helping me pay off my mortgage quicker.

Non-referral link (no bonus): www.sprive.com

Yonder is a UK rewards card app with both debit and credit card options. You earn points on spending and can redeem them against travel, dining, shopping and other in app rewards.

Using my referral link, you can currently get:

- £10 off your first eligible purchase

- Up to 10,000 points when you spend in your first 30 days

- A free FULL membership trial period when you choose that option during sign up

Referral link: https://join.yondercard.com/bjk5urv

How to get the offer:

1. Sign up through the referral link above

2. Download the Yonder app

3. Verify your details

4. Choose the FULL membership trial option shown during sign up if you want the paid trial rather than the free plan

5. Complete setup

6. Make your first eligible purchase to receive the £10 reward

7. Spend within the first 30 days if you want to qualify for the bonus points offer

Useful details:

- Available in the UK

- Yonder offers both debit and credit cards

- FULL membership becomes paid after the free trial unless you downgrade or cancel before renewal

- Standard paid FULL membership is monthly, so check the current fee and terms in app before signing up

- The £10 reward is triggered by your first eligible purchase

Credit check:

- For the Yonder credit card, there is a soft eligibility check first

- If you continue and complete the credit card application, Yonder then performs a hard credit check

- The debit card is not a credit application

Non-referral link: https://www.yonder.com/how-it-works/apply