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r/makemoneyuk

Sprive - Overpay your mortgage using autosaving or cashback on giftcards
▲ 13 r/makemoneyuk+3 crossposts

Sprive - Overpay your mortgage using autosaving or cashback on giftcards

Sprive is a mortgage overpayment app which helps you to save money and pay off your mortgage faster, saving you a small fortune in interest. It was on the Dragon's Den recently, where they successfully secured investment.

If you sign up using a referral, you can get Sprive Plus membership where you can earn even more cashback to put towards your mortgage. You can choose to autosave, where you can specify a fixed or variable amount to save monthly by direct debit

When you come to renewing your mortgage, they also have a feature to check for new mortgage deals.

The gift cards are for a wide range of retailers. Some examples: Sainsburys, Tesco, Asda, Morrisons, Amazon, M&S, Waitrose, Boots, Ikea.

Instructions:

  1. Sign up for the Sprive App with my referral link https://linkprod.sprive.com/refer?code=G6WYOPLC or use my referral code manually if the code hasn't shown up in the app after following my link: G6WYOPLC

  2. Link your bank account and find your mortage by entering your details - they will find it through credit reference agencies

  3. Buy a gift card to activate your Sprive Plus membership with boosted cashback rates. This will also unlock the autosave feature

  4. Set up a direct debit to autosave (optional)

  5. Refer friends and receive additional bonuses

Referral link https://linkprod.sprive.com/refer?code=G6WYOPLC

##Referral code: G6WYOPLC

Non-referral link: https://sprive.com/ (you will not be eligible for Sprive Plus membership if you sign up without a referral)

u/wijm02 — 7 hours ago
▲ 4 r/makemoneyuk

Monzo - Free £10, £20 or £50 for a new customer

Monzo is a UK digital bank that’s been around since 2015. It started out as a prepaid debit card but has since grown into a fully licensed bank. With features like instant spending notifications, easy money management, fee-free spending abroad, and a user-friendly app, it’s become one of the most popular online banks in the UK.

Monzo is offering new customers a FREE bonus of £10 (94% chance), £20 (5% chance) or £50 (1% chance) when they sign up through a referral link and make 1 transaction.

Looking to earn some extra cash? Here’s how to do it:

  1. Sign up through this referral link.
  2. Enter your phone number and download the Monzo app
  3. Verify your identity and make a deposit (as little as £1)
  4. Make your first transaction — using the physical or virtual card
  5. Once you’ve completed these steps, your bonus will be credited to your account.

👉 Click here to sign up via the referral link and grab your FREE £10, £20 or £50!

Non referral link

u/Brilliant-Garden-779 — 23 hours ago
▲ 2 r/makemoneyuk

Virgin Media • Broadband/TV • £50 FREE

Virgin Media • Broadband/TV • £50 FREE

https://aklam.io/94QCxm

Various nice offers up for grabs from Virgin Media - Cheers. ☺️

Plan Cashback
Broadband Only £50
Broadband + Landline £50
Bigger Bundle (TV, Sports, Films etc) £50
Mega Volt Bundle £50
Cashback Offers Above (As of Writing)

Bonus incentives can vary so click the ref link to see the latest offer.

Sign-up Online Easily: Whether you’re after superfast Fibre Broadband or the whole package

Note: You may have to select ‘I was referred’ during the order process if that option is mentioned during the order process for you to receive your incentive.

You can have your free cash reward paid into either your Bank Account or PayPal account.

Refer a friend works for any cable service. That’s superfast broadband, TV, home phone and Volt packages. This Refer a Friend offer is not valid on Virgin Mobile, Family and Friends, Mates Rates, My Rates, Tribe, Partner Rates, ordering through one of the affiliate partners, and any contract that’s shorter than 12 months.

You will get your reward after you’ve had your service(s) installed for 60 days - so long as you haven't cancelled your new contract within this time. Once the 30 day cancellation period has ended, the reward will be due within this time, so about 90 days in total or sooner (Free cash reward paid out within 3 months of installation of service).

aklam.io
u/FriendlyCobraChicken — 14 hours ago
▲ 2 r/makemoneyuk

WorldFirst – 1.5% FX cashback + £40 per referral + up to £1,500 in bonus rewards

WorldFirst is a multi-currency account similar to Wise and Revolut. While designed for businesses, you can sign up as a sole trader.

They currently offer 1.5% cashback on FX transactions until 31 January 2027 when joining via referral, plus £40 per referral.

You can also earn tiered bonuses:

To qualify, referrals must sign up by 31 December 2026 and deposit £400 / £350 by 31 January 2027.

Bonuses are paid by the end of the following month after qualification.

Signup is quick (similar to Tide). No registered business is required—just apply as a sole trader using your name. Verification usually takes ~1 day, after which you’ll get multi-currency account details, a virtual card, and your referral link.

If you’d like to join, feel free to use my link below:

Referral link

Non-referral link

reddit.com
u/Chemical_You_8957 — 4 hours ago
▲ 8 r/makemoneyuk+1 crossposts

Airtime Rewards - Get £2 Sign-Up Bonus + Cashback On Your Shopping

Airtime rewards is cashback app where you get discount on your mobile phone bill. It is similar to "Cheddar" where you connect your card once and can forget. Anytime you use that card in the listed retailers you will earn cashback and that can be used towards your phone bill. It's quite genius actually and have enjoyed using it.

They have an offer right now, if you sign up using a referral link you will get £2 Bonus.

Steps to get the bonus:

  • Download and sign up to airtime rewards - Click here
  • Use code: TPMMVK4M
  • Make a purchase with the listed retailers within 7 days
  • You will then get the cashback and the bonus

There are loads of retailers to choose from and the cashback is quite competitive or even better than some of the other cashback apps/sites.

Would recommend checking it out.

Once you sign up feel free to share you referral code below.

u/Coo0l_Guy — 1 day ago
▲ 7 r/makemoneyuk+1 crossposts

Cheddar - £5 Sign-Up Bonus | Incredible Passive Cashback App

*Note - My referral link gives £5 bonus while most others only give £2, so please check before signing up.*

I have been really loving Cheddar (app - although the cheese is pretty good too). It is a passive cashback app where you connect your card once and you can forget (at least for 90 days). On all eligible stores that you use that card you will now be earning cashback. It's that easy.

They also have gift cards that provides instant cashback. The percentage of cashback is competitive or even higher to the likes of JamDoughnut/ Airtime rewards. So, always be on the look out for better rate gift cards here.

They currently have an offer where if you earn £5 cashback then you get £5 bonus.

Steps to get the bonus:

  • Download cheddar using this link
  • Use code XESRTHU
  • Link your bank accounts or cards
  • Earn £5 cashback
  • You should then get the £5 bonus soon

Once you sign up feel free to post your referral links below.

u/Coo0l_Guy — 1 day ago
▲ 7 r/makemoneyuk

Robinhood - Free share worth $7-$175 for £1 deposit

Robinhood is a trading app where they give a free share worth between $7 to $175 for signing up with a referral link. and depositing £1. Most of the free shares given are worth $7-8

You will also earn 3.25% interest on any uninvested cash.

You can choose which company to get the share from, out of several companies

You can also get up to $1500 of free shares per year by referring others.

Instructions:

  • Sign up using my Robinhood referral link: https://join.robin hood.com/marlonw-77fab7 (remove the space )

  • Download the app, register and verify your account

  • Link a bank account and fund your account with £1 or more (no need to invest)

  • Claim your free share - you can choose from several companies

  • Keep or sell the share. You can withdraw the proceeds of the sale after 30 days

Non referral link: https://robin hood.com/gb/en (remove space) (no bonus shares or cash)

reddit.com
u/wijm02 — 1 day ago
▲ 10 r/makemoneyuk+6 crossposts

💸 MAY REFERRAL LINKS (UK) – REAL CASH BONUSES 💸

Happy new month!
Easy money & savings going into summer — updated for May

Sharing the referral offers I’m currently using and offering. These are legit, quick to set up, and actually pay if you follow the steps properly 👇

🏦 BANKING & MONEY APPS

• Monzo – £10–£50 bonus when you sign up via referral, add money, and make a purchase using your Monzo card (no minimum spend)
🔗 Link: https://join.monzo.com/c/3bwvfs8d

• Revolut – once you complete the referral steps, you can start referring others and earn up to £200 (expires 12 May – limited slots: 5/5 available)
🔗 Link: https://revolut.com/referral/?referral-code=doris5m9w!MAY1-26-VR-GB&geo-redirect 

• Klarna – £10 bonus after signing up via referral, adding at least £15, and making 3 purchases of £5 minimum (10/10 referrals available)
🔗 Link: https://l.klarna.com/22XC/invite_tc7dmsFgt5z-oSjI 

⚡ BILLS & UTILITIES

• Octopus Energy – £50 credit added to your account after you switch and make your first direct debit payment via referral
🔗 Link: https://share.octopus.energy/dusky-doll-223

🛍️ SHOPPING & CASHBACK

• TopCashback – £10 sign-up bonus once you verify your account and hit the minimum cashback requirement before expiry
🔗 Link: https://www.topcashback.co.uk/ref/dorisuche 

🍔 FOOD & DELIVERY

• Uber Eats – £10 off your first order (min £15 spend) when using a referral link
🎟️ Code: eats-dorisu93ue

💡 Tips so you actually get the money:
• Follow each step exactly (most require a first transaction or spend)
• Don’t delay as some offers expire or have limited slots
• Stack cashback with bank rewards where possible

u/Unhappy_Temporary152 — 1 day ago
▲ 17 r/makemoneyuk+1 crossposts

FREE £10, £20 or £50 From Monzo!

Monzo, a UK-based digital bank established in 2015, revolutionizes banking through its mobile application. Originally launched as a prepaid debit card, Monzo quickly gained popularity due to its intuitive app interface, features such as instant spending notifications, and its provision of fee-free transactions abroad.

With the acquisition of a full banking license, Monzo expanded its services to include current accounts, savings accounts, overdrafts, loans, and other financial products.

They are currently offering a FREE £10 (94%), £20 (5%) or £50 (1%) to any new users who sign up to Monzo for the first time via a referral link.

Here are the steps:

  1. Sign up here using this referral link.
  2. Input your phone number and download the app from your relevant appstore.
  3. Verify yourself with your ID and make a deposit into the account.
  4. Make a transaction with your card. This can also include the virtual card given on sign up.
  5. Your £10 (94%), £20 (5%) or £50 (1%) will be added soon after completing the above.

Click here to be taken to Monzo's website with this referral link and sign up for your FREE £10 (94%), £20 (5%) or £50 (1%).

Non-Referral Link - No bonus.

u/Bahamuted — 2 days ago
▲ 9 r/makemoneyuk

Quidco - Cashback on shopping and £20 bonus from a referral

My referral link: https://www.quidco.com/raf/12363623/

Quidco is a cashback platform similar to TopCashBack. When you follow the link from Quidco to an online retailer and make a purchase, you will earn cashback on your online purchase.

Once you have earned £5 cashback after signing up through a referral, you will be given a £20 bonus. You can withdraw your cashback to your bank account, Paypal or to gift cards.

They have two types of accounts, basic and premium. The basic account is free, and I'd recommend that since the premium one isn't free.

Make sure you turn off adblockers and accept cookies to ensure that your purchases track correctly. More info here: https://support.quidco.com/en/articles/4126250-tracking-tips-tricks

Instructions

  1. Sign up using a referral link and make sure you turn off ad blockers and accept all cookies to ensure that your purchases track correctly: https://www.quidco.com/raf/12363623/
  2. Follow links from Quidco to online retailers to do your shopping.When you follow the link to an online retailer from Quidco, you must accept cookies on the retailer's page to ensure that the purchase is tracked by Quidco.
  3. Receive cashback bonus once you have earned £5 cashback
  4. Withdraw casback (Paypal, bank transfer or gift cards with a slight cashback boost)

Referral link: https://www.quidco.com/raf/12363623/

Non referral link (no bonus): www.quidco.com

reddit.com
u/wijm02 — 1 day ago
▲ 7 r/makemoneyuk

Topcashback - £10 for signing up by referral and cashback for online shopping

This is by far the best cashback site in the UK. You can use it for regular shopping and earn £100s in cashback.

You need to find the retailer in the Topcashback website and click through the link, and you will receive cashback once you complete you purchase. You must ensure that ad-blockers are turned off and cookies are enabled to make sure that your clicks are tracked.

Many of the offers do not require you to spend any money at all!

Instructions:

  1. Sign up using my TopCashback referral link: https://www.topcashback.co.uk/ref/wijm02
  2. Use Topcashback to make purchases from your regular retailers - Make sure you allow all cookies on both TopCashback and the retailer's site so the offers correctly track
  3. Receive bonus cashback when you earn £10 payable cashback

Please note that the retailers listed on this link are excluded from the referral threshold: https://www.topcashback.co.uk/account/referrals/terms/

Referral link: https://www.topcashback.co.uk/ref/wijm02

Non ref link: https://www.topcashback.co.uk/home/

reddit.com
u/wijm02 — 1 day ago
▲ 7 r/makemoneyuk

InvestEngine - Invest £100 to receive £20-100 bonus

InvestEngine is a well-established investing platform. They allow self-managed investments in ETFs where there are no commissions charged.

When you sign up through a referral and invest £100, you will get a cash bonus

No fees if you choose the self-managed "Do it yourself" portfolio

If you are worried about share price volatility and only want the referral bonus, I recommend investing in a fund such as the Amundi (CSH2) Smart Overnight Return ETF or the iShares Ultrashort Bond UCITS GBP (ERNS) ETF, which have stable prices.

Instructions:

  1. Register using this referral link: https://investengine.com/referral/u/atjazs/

  2. Open an ISA, SIPP or GIA, deposit £100 and invest (you must invest, depositing alone is not sufficient). I invested in the Amundi Smart Overnight Return GBP Hedged (CSH2) ETF which is very stable and hedged against currency fluctuations

  3. Choose the "Do it yourself" option to create a self-managed portfolio, since the one managed by them will charge fees.

  4. Claim your bonus after a few days

  5. Maintain the value of your initial investment plus bonus for more than 12 months. You cannot withdraw your bonus or initial investment during this 12 month period if you want to keep your bonus

  6. You may withdraw everything after 12 months

Referral link: https://investengine.com/referral/u/atjazs/

Non referral link (no bonus): https://investengine.com

u/wijm02 — 1 day ago
▲ 5 r/makemoneyuk

Wise - Free £500 international transfer (or free debit card) + £50/75/100 for referring 3 friends

Wise is a platform which offers money transfers and international banking services, including a debit card (both physical and virtual, for overseas spending).

My referral link lets you choose between a fee-free money transfer or a free debit card.

Any transfer of up to £500 has no fees

Your Wise account is also useful as an overseas recipient for the other money transfer offers on this subreddit (e.g. Skrill).

Once you have completed your transfer, you can refer friends to earn extra bonuses.

Instructions:

  1. Sign up using this referral link
  2. ID verification
  3. Do an international transfer of up to £500 within 30 days. You need to transfer money OUT of your Wise account. Alternatively, you can request a free debit card for international spending.
  4. Refer more friends for extra money! (£50/75/100 for every 3 referrals)

Your transfer will not incur any fees as long as it is below £500.

Referral link: Referral link

Non-referral: https://wise.com/

u/wijm02 — 1 day ago
▲ 3 r/makemoneyuk

Octopus Energy – £50 bonus credit for switching or up to £100 for green technology installation

Octopus Energy are offering £50 bill credit for both referrer and referee when you switch both gas and electric to them using a referral link. They offer a unique "Tracker" tariff where their daily price follows the wholesale energy price, and it's cheaper than a fixed price tariff.

Octopus may ask for details of the person who referred them, so please note down my username in case they ask so you can contact me.

Instructions:

  1. Sign up using my referral link (read on for info about my other referral links)
  2. Enter your post code and follow the steps to create a quote and compare this price against your current provider
  3. Proceed with the switch
  4. Receive confirmation email
  5. Receive £50 credit after your first payment has been taken

There are no exit fees, so you can always leave Octopus if you are not satisfied.

I also have separate links for those who book a green technology installation

Link to book a heat pump or solar panels installation through Octopus. This gives a £100 gift card.

Link to book Electric vehicle charger installation referral link This gives a £25 gift card.

Non-referral link (no bonus): https://octopus.energy/

reddit.com
u/wijm02 — 1 day ago
▲ 7 r/makemoneyuk+4 crossposts

Klarna - Easy £10 + Up To £400 Through Referrals

Klarna has an offer where you get £10 for making 3 X £5 purchase through their debit card.

Steps to get the bonus:

  1. Sign up - Click here
  2. Choose the free account and get the virtual card
  3. Make a deposit of £15
  4. Spend £5 three times using the card
  5. You're should then receive £10 instantly

Once you sign up refer your friends or family and get £40 per referral once they complete the steps. So, you have the potential to make £400 by referring 10 people.

u/Coo0l_Guy — 2 days ago
▲ 12 r/makemoneyuk+1 crossposts

Quidco • Free £20 Bonus + Earn and Save £100s from Cashback!

Quidco • Free £20 Bonus + Earn and Save £100s from Cashback!

https://www.quidco.com/raf/34538

Appreciate it, happy spending and saving. ☺️

+++

Global Bonus

Don’t let the sunshine be the only thing working in your favour, plus get a £5 Bonus when you opt in and spend £15 or more.

Available for the first 10,000 opt ins. Ends 25/04/2026 at 23:59.

Bonuses are paid once the qualifying cashback has been confirmed.

Get a new member Bonus with Quidco. Potentially earn hundreds of pounds in cashback every year just by shopping at your favourite stores. Quidco, is one of the UK's leading cashback sites and has been around for a while now (first launched back in 2005). The platform works with thousands of retailers, including Amazon, eBay, major supermarkets, travel companies, financial, utilities and much more, allowing members to earn easy free cashback money on everyday shopping.
  • Get a cash bonus on top if a sign up offer is active - tap the ref link to see!
  • The bonus becomes payable once you have earned just £5 in cashback which is easy to do
  • Lookout for promos especially around holidays (and stack bonus cashback)
  • Some retailers have been marked for even faster cashback "Faster Cashback"
  • Opt-in to occasional boosted cashback offers (can be found on the home page)
  • Consider an optional upgrade to Quidco Premium for better payout rates for gift cards (usually double bonus), potentially worth it if you are a big spender
  • Retailers include: eBay/Morrisons/Sainsbury's/Tesco/Iceland/Argos/Currys etc...
  • Cashout to a Bank, PayPal or Gift Cards such as the following which have been offered: Amazon/Sainsbury's/ASDA/IKEA/John Lewis/Argos/M&S/Deliveroo/Greggs/Waitrose/Tesco/Matalan/Costa/Pizza Hut/Just Eat/JD/H&M/ASOS/Adidas/Nike/Ticketmaster/National Trust/Uber/Disneyland etc...
  • Join & Earn Easy Cashback from a gargantuan range of categories such as: Entertainment, Supermarkets, Food & Drink, Fashion, Electricals, Holidays, Gifts, Health & Beauty, Home/Life/Car Insurance, Internet/Broadband and much more
  • Quidco In-Store: Earn cashback when you shop In-Store - Connect your debit or credit cards to earn cashback easily at participating retailers
  • After joining, take a look at Cashback Tracking Tips & Tricks in the Quidco Help centre for the latest reliable tracking advice
quidco.com
u/FriendlyCobraChicken — 2 days ago
▲ 6 r/makemoneyuk

AJ Bell - £100 Amazon voucher for £10000 deposit/transfer (no need to invest)

AJ Bell is a popular investment platform, but you do not need to actually invest any money to get this bonus and you can get paid interest on your cash balance.

You will receive a £100 voucher when you sign up through a referral and deposit/transfer a total of £10000 into an AJ Bell ISA, Lifetime ISA or SIPP within 120 days. Please note that transfers from other AJ Bell products (e.g. Dodl) will not qualify for the bonus

Sometimes AJ Bell's customer support will ask for details of the person who referred them, so please note down my username if you use my link in case you need to contact me!

Instructions

  1. Follow this referral link and enter your email adress

  2. Download the AJ Bell app and register using the same email address

  3. Deposit or transfer in a total of £10000 within 120 days of signing up through the referral. The money can be split across multiple accounts e.g. SIPP, Stocks and Shares ISA, Stocks and Shares LISA or Dealing account. You don't have to actually buy any shares

  4. Receive your voucher within 30 days of meeting the referral requirements.

Caveats:

If your withdraw more than 75% of the value of your deposit within 12 months of opening, they may reclaim the value of the gift card.

Terms and conditions

Non referral (no gift card): https://www.ajbell.co.uk

u/wijm02 — 1 day ago
▲ 5 r/makemoneyuk

Wealthify | £50 for investing £1,000 for 6 months

Wealthify is a robo-style investment platform, meaning you don't need to choose individual stocks or ETFs, you just choose your risk tolerance and they manage the fund automatically.

It took me 20 minutes to sign up and fund my account. The process is simple and you can refer others straight away for £50 a time!

They are offering £50 if you invest £1,000 or more for at least 6 months

  1. Sign up using a referral link: https://invest.wealthify.com/refer/41988415

  2. Open an Investment ISA (Stocks and shares ISA), GIA, Junior ISA, or Personal Pension. 

  3. Choose a plan based on your risk tolerance 

  4. Deposit at least £1,000 into your new investment plan and it will be invested. There's no option to leave it as 'cash' for this offer.

  5. Leave it for 6 month and receive your £50 bonus paid into the account.

 

I will be keeping my account funded for the long term so my link will definitely work.

Non referral link (no bonus): www.wealthify.com

reddit.com
u/Emergency_Arugula_60 — 2 days ago
▲ 3 r/makemoneyuk

Freetrade investing | Free share worth £10 - 200 for depositing £50

Freetrade is an investment platform.  

Joining with a referral link gets you a free share worth £10 - £200.  

You can then refer friends and family for further free shares.

The share you receive is random, and the amount is too. It's more likely you'll get the lower end though. I got £25 of Pinterest shares. I hope you do as well as I did.

You don't even need to invest. Deposit the £50 into the GIA (general investment account) and leave it there as 'cash'. This is a good technique if you're only doing the offer for the freebie.     

  1. Message me for a referral link here

  2. Complete registration (you'll need your NI number)

  3. Choose your plan (You'll probably want 'Basic')

  4. Fund your account with £50. Just leave it 'as cash' in the GIA account. It's worked out well for me.

  5. Complete the W-8BEN form if it hasn't asked you already. Click on profile, US tax reduction.

  6. The free share should show as pending almost straight away, and the amount will show in your GIA in 7-10 days.

Share amount Probability
£10 - £25 82%
£25.01 - £50 10%
£50.01 - £100 6%
£100.01 - £200 2%

NOTE:

#If you sell the free share, you can only withdraw the cash after 180 calendar days from the date you received them.

Your referer must have at least £50 in the account. I use this account for long term investments so no issue with that.

reddit.com
u/Emergency_Arugula_60 — 2 days ago
▲ 2 r/makemoneyuk

Vinted - get up to £15 in vouchers

Vinted is a second-hand marketplace, mostly for clothes, but also for books, homeware, and toys. Think of it as a less-corporate eBay where people just want to clear their wardrobes. 

They have reintroduced their referral scheme, where you get £5 in Vinted vouchers if you list 3 items within 7 days and an additional £10 in Vinted vouchers if 1 item sells within 30 days.

Steps:

  1. Sign up using my referral link - https://www.vinted.co.uk/invite/jaime.94
  2. List 3 items in 7 days - get £5 in Vinted vouchers
  3. If one item sells within 30 days, get an additional £10 in Vinted vouchers

Non-referral: www.vinted.com

reddit.com
u/Brilliant-Garden-779 — 1 day ago