Zilch is a cross between a cashback earning and a buy-now-pay-later app.  

I signed up just for the bonus but the card gives 2+% cashback on lots of shops, and links to your normal card, so I've been using it for all my shopping now!

Free £5 credit here (it will download the app)

You link your normal debit card to the app.

Before purchasing something in store or online you search the app to see if they offer cashback for that business. Click through and make your purchase, which will come out of your normal bank account. The cashback credit can be used on your next purchase.  

There's no hard credit check

Just don't be tempted to use their buy-now-pay-later option. That's what they want you to do, and that's how they make money out of you.  

So make money out of them and not the other way round.  I'll help with any questions you have :-) 

Steps:

1. Sign up here https://zilch.onelink.me/x8EV/2awv2xr0

2. Verify your identity

3. Add virtual card to google/apple pay 

4. Change the default payment method from 'Pay over 6 weeks' to 'Pay now' so you don't get into debt

5. Receive your £5 credit within a month and half. It's normally quicker.

6. Refer others and receive £5

Non referral link (no bonus): www.zilch.com/uk

EDF is a popular energy supplier that offers a simply tracker tariff that is cheaper than the energy price cap because it saves you £50 a year on the standing charges.

If you have an electric car or you use lots of electricity at night there is the Go electric tariff that provides electricity from 11pm to 6am every day at an incredible 6.99p/kWh.

To sign up for an EDF account and receive the £50:

• Click on my £50 EDF referral link.
• Enter your post code and choose your duel or single fuel tariff (single fuel still pays the £50).
• Switch from your current energy provider (takes 3-5 working days, you choose the exact date).
• Pay your first monthly direct debit.
• £50 credit will be automatically applied to your account.

EDF has an incredible rating on Trustpilot of 4.8 out of 5 from over 225k reviews.

When you sign up for EDF, you can share your new referral link and you will receive £50 bill credit.

I appreciate your time in reading this and if you sign up and take advantage of the offer with my referral link, I'd like to say thank you.

Non referral link - https://www.edfenergy.com/

Tembo offers a cash ISA with a 4% interest rate and a £10-£1000 bonus when you deposit £500 or more. They also provide mortgage services and won best mortgage broker at the British bank awards in 2022 and 2023.

Tembo have recently launched the home saver account at 5.55%. This is a 3.5% interest rate + a 2.5% extra bonus that you unlock when you mortgage directly with Tembo.

To sign up for a Tembo account and receive the £10-£1000 (95% it will be £10):

• Click on my £10-£1000 Tembo referral link.
• Enter your email address, click claim reward and download the Tembo app.
• Enter the same email address used on the referral offer page.
• Open a cash ISA, answer the standard account opening questions and deposit £500.
• Leave all of the £500 in the cash ISA until Tembo pay you the bonus in about a months time.

I have a cash ISA with Tembo that is funded with £500 that I will continue to contribute to long term and will not transfer to another provider so you will receive your £10-£1000 bonus.

When you sign up for Tembo and deposit £500, you can share your new referral link and you both will receive £10-£1000.

I appreciate your time in reading this and if you sign up and take advantage of the offer with my referral link, I'd like to say thank you.

Non referral link - https://www.tembomoney.com/

Virgin Media are offering a £50 cash bonus to anyone signing up to their services via a referral link. The offer is valid for superfast broadband, TV, home phone and Volt packages. The payout is in 60 days. Here's the guide:

1. Follow a referral link, here's mine.
2. Or phone them and quote code: YCCACFED
3. Select which service you want.
4. Sign up for a minimum of 12 months.
5. Get your reward after 60 days.

This offer is more of a discount than a reward, but if your looking to sign up anyway, it's a good deal. Thanks to anyone using my link I really appreciate it.

• Non-referral

Hi, here's a nice little offer from Kraken Exchange! (I have been using Kraken for over 10 years now and is one of the most trusted out there).

Signup for a Krak Debit Card, make 5 transactions and receive £10 into your krak account.

You get a £10 signup bonus plus 2% cashback on pretty much everything for the first 30 days.

After that, it drops to standard cashback rates similar to most other cards, so it’s not particularly exciting long-term.

Quick steps to get the £10:

1. Sign up using a referral link

2. Order the free physical card

3. Make 5x £10+ transactions (you can use the virtual card) within 30 days

4. Get your £10 bonus in roughly 3 weeks (in my experience it took about 2 weeks)

⚡You can also refer friends for another £10 each (up to £100 max)⚡

⚡ Unfortunately I don't think transactions to top up other accounts such as trading 212 work ⚡

Non-referral link: www.kraken.com

My referral link: https://krak.app/@Catchmydrift

Shopmium is a free cashback app that lets you save money on supermarket shopping, with offers on everyday products and sometimes completely free items.

The app regularly adds new offers from popular brands. You simply buy an eligible product, scan its barcode and upload your receipt to claim cashback.

New users who sign up using a Shopmium referral code can get an extra £1 bonus once their first cashback request is approved.

How to claim your Shopmium £1 referral bonus

1. Download Shopmium using my referral link.
2. Create your free account and enter referral code AMUAFFUR if it hasn't been applied automatically.
3. Browse the available supermarket cashback offers.
4. Buy an eligible product and upload your receipt through the app.
5. Once your first cashback request is approved, you'll receive an extra £1 bonus.

How does Shopmium work?

Shopmium features cashback offers on groceries and household products at supermarkets including Tesco, Asda, Sainsbury's and Morrisons.

Some offers give you a percentage off, while others can make products completely free after cashback.

You can also combine Shopmium offers with supermarket loyalty discounts or discounted gift cards where the terms allow, potentially saving even more.

It's worth checking the app before doing your weekly shop to see what's available.

Shopmium referral link (£1 bonus): https://www.shopmium.com/uk/referral/AMUAFFUR

Shopmium referral code: AMUAFFUR

Non-referral link: https://www.shopmium.com/uk/

Thanks to anyone who uses my referral link!

Gains is a new budgeting and cashback app which allows you to buy gift cards through the app and then earn cashback - in a similar way to apps like Cheddar or JamDoughnut.

The cashback rates aren't the best but like all these apps change regularly so it’s worth checking a few different apps before you buy any giftcards to see which one has the best rate for your chosen stores on any given day!

New users can earn a £2 bonus when they sign up via a referral code and earn £10 cashback.

My referral code if anyone would like to use it is:

PH95WA

Or alternatively, download the app here:

https://gainsapp.onelink.me/8IhT/1csuvxlz

I will earn a bonus if you use my referral link, so thanks very much if you do.

Note: The minimum cash-out is £10 and there is a 20p fee when you cash-out.

The non-referral link with no bonus is:

http://gainsapp.com/

Cheddar is a cashback app that sells giftcards giving you instant money off your shopping. They have a wide range of retailers with cashback rates competitive with other platforms. Cheddar is one of the cashback places I check before buying things.

Besides for the regular cashback you can get £5 free cash when you sign up with a referral link.

To get the full £5 you'll need to buy £25 worth of giftcards to get £2, then earn £10 worth of cashback to get a further £3 free - within 60 days of signing up.

__________________

Here's what to do:

1 - Download the app here

Enter the code if asked - FLOORLI )

2 - You need to buy £25 of giftcards within 60 days to get the £2 bonus, and earn £10 of cashback to get a further £3 bonus.

3 - Receive the bonus + cashback, and cash it out to your bank

__________________

Non-ref link - https://get.cheddar.me/

It has been a while, but here is an up to date list of bank switch offers currently available. Banks offer these incentives to encourage people to move their current account to them.

Switching takes seven working days and moves your balance, Direct Debits and standing orders across automatically, but you’ll need to update card subscriptions yourself. Most incentives need a full switch from a different banking group, two or more active Direct Debits, and a set amount paid in within the deadline. Nearly all do a hard credit search, so if you are interested in a bank switch reward then do consider this if you’re applying for a mortgage etc. soon.

Banks with current offers:

• AIB (up to £200 to switch & save)
• Barclays (up to £300 to switch & stay)
• Dankse Bank (£200 to switch)
• First Direct (£175 to switch + £25 boost + £25 via Topcashback)
• HSBC (£220 to switch)
• Lloyds (£200 to switch)
• Nationwide (£175 to switch, couple can do 2x solo and joint)
• NatWest (£200 to switch)
• RBS (£200 to switch)

Premier Account Switch offers

• Barclays (up to £600)
• Lloyds Premier (£200)
• Natwest Premier (£500)
• RBS Premier (£500)

Banks without offers at the moment:

Co-op, Santander, TSB, Ulster, Virgin

The post has been updated with the newest offers. But it is a difficult task keeping on top of all the questions. Please continue to share your experience with these offers. Relevant questions/answers and updates will be added as and when they appear. Special thanks to those who highlight the latest offers.

Never switched a bank account before?

It is quick and easy. Banks want your business and they'll pay you £100-£500 to give them a try — the current account switch service (CASS) handles the whole thing automatically, so it's about a week of waiting for very little effort. Usual advice is not to switch your main/oldest account as this can affect your credit report. Here's how people do it without changing their main account:

1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required). Some move existing direct debits. Whilst some set up new ones on the account. Example direct debits are below.
3. Add £1 to your second account. This will be transferred during the switch, allowing you to see when the switch has been completed.
   
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. The current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus.

Then, if you decide you do not like your new bank you could switch to another bank try them out!

​

What are the easiest/best direct debits to use for bank switching?

If you are using a second account, then its best to move existing direct debits to it to ensure you meet any direct debit criteria. If you don't have any, then the following example can be set up quite easily: your own Paypal, Ebay (seller account only), Moneybox savings account, your credit card, or Sprive Mortgage auto savings.

​

Are there some bank accounts worth keeping?

Yes. Some are quite good, and give ongoing rewards. For example, Club Lloyds gives free Disney Plus. Barclays Premier gives free Apple TV. See the "don't leave us please" bank rewards post. Some also give access to the best savings accounts (e.g. regular savers).

And it is always worth keeping 3 accounts open for bagging ~£50 in cash from YouGov Connections every 3 months. Instructions for YouGov Connections here.

Are there additional offers for students?

Why yes. See the 2026 Student Version of The Bankedex Here

It has offers for students opening student accounts (no switching required).

Standard Current Account Offer Information

Whilst we do our best to make sure things are correct, sometimes errors do slip through. Always do your own research. But these are, to the best of our knowledge, the current accounts with switching incentives just now:

​

AIB Classic Current Account - £200 (NI only)

Current offer: £100 for switching to the Classic Current Account + £100 for opening a regular saver with £100.

Direct link to AIB offer

• You must switch to the Classic Current Account.

Offer end date: None given, can be withdrawn at any time

Requirements:

• Initiate a full switch, pay in £1,500+, and set up two direct debits for the £100 switch incentive

• Open a regular saver with £100 for the additional £100 bonus.

Available to existing customers: No.

​

Barclays Current Account

Current offer: £150 to switch to Barclays Current Account, plus £30/month for 5 months

Direct link to Barclays offer

• You must switch to a Current Account (not their basic account).

Offer end date: None given.

Switch bonus requirements:

• Use the Barclays app to open a Barclays Current Account (only works during working hours 9am-5pm)

• Initiate a full switch (including three active direct debits) withing 30 days of opening your account

• Pay in £2,000 salary within 30 days of opening the account.

£30/month bonus requirements:

• Qualify for the switch reward

• Pay in £2k salary, make 10 debit card purchases, keep account open

Available to existing customers: No. Mortgage and Barclaycard customers are eligible though.

​

Dankse (Northern Ireland only)

Current offer: £200 to switch

Direct link to Dankse offer

• You can switch to Danske Reward, Danske Choice, or Danske Freedom current account

Offer end date: No end date given, may be removed at any time.

Requirements:

• Complete full switch within 60 days of account opening

• Pay at least £1,000 into new Danske account within 60 days (can be multiple payments)

• Register for and log on to Danske eBanking or Mobile Banking App within 60 days

• Set up two active direct debits

Available to existing customers: No - must be new Danske Bank personal current account customer. Not eligible if you've benefited from any Danske current account switch offer before

How long does it take to pay the bonus: Should be paid within 10 business days of meeting criteria.

​

First Direct

Current offer: £175 + £35 boost + extra £25 via Topcashback (boost only available till 2nd December)

Extra £25: You can get an extra £25 by signing up to First Direct via Topcashback. If you don't have a Topcashback account, you can sign up here (and make sure to accept all cookies on TCB and the First Direct website):

Topcashback sign up

[Direct link to First Direct offer](ps://www.firstdirect.com/banking/current-account-mgm/)

• You can switch to their First account.
  

Offer end date: No end date given, but the extra £35 boost is until 02/12/26

Requirements: Within 45 days of opening your account you must:

• Full switch via CASS (two direct debits or standing orders required).

• Deposit £1,000.

• Make 5+ debit card payments.

• Log on to digital banking.

• You cannot have previously held a first direct product.

• You cannot switch if you have opened an HSBC current account on or after 01/01/2018.

How to do it: Once your first direct account is open, simply log into your first direct app, select the account you wish to transfer into, tap 'switch to us' from your account menu and follow the instructions.

Available to existing customers: No. Also can't have opened an HSBC current account on or after 1 January 2018.

How long does it take to pay the bonus: paid by the 20th of the month following that in which you met all of the criteria.

​

HSBC - £220 to switch

Current offer: £220

Direct link to HSBC offer

• You can switch to their HSBC UK Bank Account.
  

Offer end date: No end date given, may be withdrawn at any time.

Requirements:

• Open the account through the HSBC UK Mobile Banking app (not branch or telephone).

• Full switch via CASS (at least two direct debits required).

• Deposit at least £2,000 within 60 days.

• Spend at least £500 on your HSBC debit card within 60 days.

• You cannot have had an HSBC UK or first direct current account opened on or after 01/2023.

How to do it: Open an HSBC UK Bank Account in the HSBC UK Mobile Banking app, then within 60 days complete a full CASS switch (with 2+ direct debits), deposit £2,000 and spend £500 on your debit card.

Available to existing customers: No. Also can't be an existing HSBC UK or first direct customer, or have opened an HSBC UK/first direct current account since January 2023.

How long does it take to pay the bonus: paid into your HSBC UK Bank Account within 60 days of meeting all of the criteria.

​

Nationwide

Current offer: £175 (couples can do a solo each AND a joint account - £525 total)

Direct link to Nationwide offer

• You can switch to either the FlexAccount (free), FlexDirect (free) or FlexPlus (premium) current account.

Offer end date: None listed, can be removed at any time.

Requirements: Full switch with:

• 2 Direct debits transferred as part of the switch

• Pay in £1000 within 31 days of opening your account/applying to switch

• Make 1 debit card transaction.

• You cannot have had a Nationwide bonus since 2021.

Reward payable by: within 10 days of the switch completion.

Available to existing customers: Yes but must switch an account held elsewhere. Cannot switch a Virgin Money account either.

​

Natwest & RBS (two offers!)

Current offer: £200 to switch

Direct link to Natwest offer | Direct link to RBS offer

• Do all of these at the same time to get the bonus from each bank.

You must switch to either a Select or Reward Account (Select, Reward)

The Reward accounts come with a £2/month fee, but you can earn £5 in cashback from it each month. If you don't want this, just go with the Select account.

Offer end date: No end date given, may be removed at any time.

Requirements:

• Must pay in £1250 within 60 days of switch completing.

• Must log in to the app within 30 days of meeting the terms above

Available to existing customers: No, but previous customers can (you can't have held an open account on 6th May 2026) and you can't have had a switch bonus before.

How long does it take to pay the bonus: within 30 days of meeting all of the requirements.

​

Premier Account Switch Offers

These accounts come with strict eligibility requirements - usually meaning a very large salary.

​

Full details can be found on the respective banks pages:

• Barclays (up to £600) - direct link
• Lloyds Premier (£200) - direct link
• Natwest Premier (£500) - direct link
• RBS Premier (£500) - direct link

​

The most commonly asked bank switch questions:

1. I started to switch to XXX bank before the offer ended, am I still eligible for the bonus?

Yes, usually, most terms will state that a switch just has to be started (or applied for) before the end date or before an offer ends.

1. Do I have to transfer the required amount in all in one go, and does it matter if I pay money in before my switch is complete?

Not usually. Most banks add up any paid in, so as long at it adds up to the required amount, and as long as it is paid in before the deadline stated in the terms. But check individual terms.

1. What is an "active" direct debit?

According to Nationwide, an active direct debit is one that has been set up or had a payment taken from it in the past 13 months.

https://twitter.com/AskNationwide/status/1442939781491486720

1. I don't have any direct debit, what can I use?

There are many companies that offer easy direct debits to set up, it's best if you can use an existing one you already have. Several finance apps connect to your bank account via direct debit

1. Moneybox - a savings account that you can top up weekly by direct debit
2. Paypal - online wallet / payments app that connects to your bank via direct debit
3. Currensea - travel money card that connects to your bank via direct debit
4. Sprive - a cashback and mortgage autosavings app
5. Ebay seller account (pays you via direct debit connection, but must be a seller account)

​

General Bank Switch Questions

Current Account Switch Incentives - Why do they offer them?

They want your business. Banks like fighting each other for customers. Most of them know they can't win your business easily, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their bank account(s).

Can any bank account be switched to get a switch incentive?

No. The bank account must be signed up to The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, some Revolut accounts, & Monese are not included).

See here for a full list of CASS banks.

Is it a lot of hassle to switch?

No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).

Some of these end soon. Will the offers come back?

Banks have been offering incentives on and off for many years. Nobody can predict the future. But this is not a new thing.

How long does a bank switch take?

Approximately one week.

Nobody knows.

Rakuten is a cashback site - not as good as others - but gives you a £25 free bonus for signing up using a refer a friend link and spending a total of £60 at supported retailers within 90 days. It's worth signing up for the bonus alone.

You will see the £25 pending after signing up, but you need to make the purchases in order for it to be confirmed.

If you had an account on their old site, you can use this link to sign up for a new account on the new site for A NEW £25 BONUS

_________________________________________________

Here's what to do:

1. Sign up by clicking this link 

  

2. Link your bank account for the cashback to be paid in once confirmed  

  

3. Make a total of £60 of purchases by clicking through the retailers. This needs to be done within 90 days of signing up  

  

4. The cashback will be confirmed within 90 days - don't return your purchase otherwise it will be cancelled  

  

5. Once confirmed, withdraw your cash

_________________________________________________

Turn off ad-blockers and enable tracking to make sure the cashback tracks.

(Non-ref link (no bonus))

I have completed FirstDirect and NatWest, which is the next easiest!

Befibre ( https://be-fibre.co.uk ): https://aklam.io/qTzkp4Lz

You sign up for a package and we both get a reward

Good speeds and decent price, this essentially gets you two months free

Everup is a UK cashback app offering instant rewards when purchasing gift cards. In my opinion they offer the most competitive rates. You also earn virtual coins to play in-app minigames, scratchcards, and raffles to win extra cash.

Sign-up Bonus: Get 10 million coins to play in-app games once you buy £10 or more in gift cards using a referral link or code.

Steps to claim:

1 - Download the app via the referral link or directly from your app store.
2 - Enter referral code RJCL3430141YQNHW during registration.
3 - Verify your phone number.
4 - Purchase £10+ in gift cards. 5- Receive 10M coins automatically.

Referral link: https://everup.onelink.me/9lgD/23a1r470
Referral code: RJCL3430141YQNHW
Non-referral link: https://www.everup.uk/

WorldFirst is a multicurrency bank account, similar to Wise and Revolut. It's meant for businesses, but anyone can sign up as a sole trader. They are currently offering £50 when you sign up via referral link, plus £150 for each person you refer.

To get the bonus, you have to sign up before 31 December 2026 and do ONE of the following before 31 January, 2027:

1. Convert a total of $1000 equivalent (~£800). You can convert £400 to USD and then back to GBP.
2. Spend $1000 equivalent (~£800) on your WorldFirst virtual debit card.
3. Transfer $1000 equivalent (~£800) to a 3rd party in another currency.

Bonuses are paid by the end of the month following the month when you qualify. So if you qualify in September, you will receive the bonus at the end of October.

Option 1 is definitely the easiest. Total FX volume has to be $1000 equivalent. So you can deposit £400, convert it to USD and then right back to GBP. You lose about £2 in the conversion back and forth, but you qualify immediately.

With Option 2 you won't lose the £2, plus you get 0.5% cashback on your spend. However, if you're already getting cashback elsewhere, this option may not be worth it.

Note that the debit card is virtual, but you can order a physical card for free, and you can add your card to Google Wallet for in-store purchases. Apple Pay integration is in the works. The card has no foreign transaction fees. Do not use Curve as it will charge you a 1.5% fee for using a business card.

Signing up to WorldFirst is easy and straightforward, similar to Tide. You don't have to own a business, you can sign up as a sole trader who is thinking about starting a business. In this case, just use your name as the name of the business.

WorldFirst may ask for a proof of address - you can use a recent bank statement or utility bill for this. Once your account is verified - usually it takes a day - you will gain access to your bank details (GBP, USD and EUR to start), virtual debit card, and referral code.

If this all sounds good and you'd like to take advantage of the offer, you can sign up using my referral link below - I'd really appreciate it.

Referral link

Non-referral link (no bonus)

Feel free to DM me if you have any questions or to check if you successfully qualified - it shows up on my end, not on yours.

Chip is an FCA regulated, FSCS protected, UK-based, investment and savings app. They are offering £50 to anyone who signs up via a referral link, deposits £1000 into an applicable account and maintains the balance for 90 days. Their Smart Cash ISA has an introductory 4.66% AER for 12 months.

Guide:

1. DM me for a referral or click here.
2. Enter your email address on the link you receive.
3. Download the app and register with the same details.
4. Choose their basic membership to avoid the £5.99/m fee.
5. Link your bank account.
6. Deposit £1000.
7. Maintain that balance for 90 days.
8. Profit.

Applicable accounts:

• Smart Cash ISA.
• Prize Savings Account.*
• Easy Access.
• Chip Instant Access.*
• Cash ISA.

Important: As per their terms, you must have either a Prize Savings account or a Chip Instant Access account at the time of receiving the reward for Chip to be able to pay you.

Once you've signed up you can refer friends a family and other r/beermoneyuk users for another £50 per referral. Thank you to anyone messaging me for my link I really appreciate it.

• Non-referral

TopCashback is a cashback site that allows you to earn cash through a variety of ways such as grocery shopping, opening bank accounts, broadband deals and so much more. 

Here are some of the popular offers available:

Bank, Credit Card and Investment offers

• Santander - Open Stocks and Shares ISA and invest £100: £75
• Shepherds Friendly - Open ISA and invest £30/month x 6 months: £150
• Shepherds Friendly - Open ISA and invest £100/month x 6 months: £320
• Scottish Friendly - Open ISA and invest £50/month x 6 months: £150
• Scottish Friendly - Open ISA and invest £100/month x 6 months: £310
• Tide - Open an account and deposit £50: £150 
• Santander - Open Reward Credit card: £30
• Tesco - Open Balance Transfer Credit card: £25
• Thimbl - Open Credit Builder Credit card: £35

Grocery offers (New sign-ups)

• Sainsbury’s - £45 minimum spend through Click & Collect: £7
• Sainsbury’s - £45 minimum spend through Home Delivery: £6
• Morrisons - £95 minimum spend through Home Delivery: £11
• Tesco - £40 minimum spend through Click & Collect: £6
• Waitrose - £40 minimum spend through Home Delivery: £8

It is very important to note that you must use a browser without an ad blocker. This ensures the transaction tracks without any issues. Another important detail is to ensure you complete the offer requirements as soon as you access the offer through the site. 

They are also currently offering a £10 sign-up bonus when signing up through a referral link. This becomes payable once you earn £10 in eligible cashback.

I would be very grateful to anyone using my referral. Thank you in advance!

Referral link (£10 bonus): https://www.topcashback.co.uk/ref/hiyou86

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

EatClub is a dining discount app founded by chef Marco Pierre White! It offers discounts of up to 50% at hundreds of local restaurants, cafes and bars.

They seem to be HEAVILY subsidising meals just to get people using the app right now.

They're offering new customers who sign up via a friend £10 free dining credit (no minimum spend) for your first transaction when you use a promo code PLUS another £10 free dining credit for your second transaction. This means you could get your first two meals for a less than £1 each (because you have to pay EatClub's service fee: 1% to 6% on transactions with a minimum fee of £0.20). I paid £1.80 for a £16 bill!!

How to get your £20 free dining credit with EatClub:

1. Sign up via my referral link, friends - send me a private message here for the link as EatClub bans public sharing
2. Link a bank card to the app and add it to your Apple Pay/Google Pay wallet
3. Find a venue you like and select it when you have arrived. Enter promo code OUTOUT26 to activate a £10 promo code + extra 5% discount on top of other discounts in the app
4. Order as normal: eat, drink, enjoy!
5. When the bill arrives, it will be full price. Tap to pay using your EatClub card. EatClub will automatically apply your £10 credit plus all discounts before charging you

That's it! You'll now get another notification for another £10 free credit that you can spend next time! 😊

My experience: I paid £1.80 for a £16 bill! 🤯 My partner and I went to a fancy local café because the app offered a 40% discount off everything on the menu. We selected the cafe, entered promo code OUTOUT26 (from their newsletter) and ordered as normal. The bill arrived for £16 (full price). I tapped my EatClub card in Google Pay and got an instant notification that all discounts had applied, so my linked bank card was charged just £1.80 instead of £16! There was no need to mention EatClub, the restaurant thinks you're paying full price but EatClub applies the discounts quietly in the app. Absolutely amazing and such a treat! I also got an extra £10 free dining credit for next time because I signed up through a referral, so looking forward to spending that too! 😊

Non-referral: https://www.eatclub.co.uk/

Got a trip abroad planned soon? Get £10 free with a convenient foreign currency card:

​

Currensea are currently offering you a £10 free when you sign up.

Currensea is an overseas travel card which takes payment directly from your bank account via direct debit. This is clever and convenient – it saves you money, gives added security and makes this card easier to use than a prepaid card such as Revolut.

You just link your Currensea card to your bank account and pay abroad using the Currensea card. It automatically converts the foreign currency to GBP and takes it from your bank within you having to top up the card or have to worry you don’t have enough funds available.

I've used this card on a trip abroad and it was really good. No need to top up your account and worry about keeping a balance, and the exchange rate is great. For me, the ease of using this card means I prefer using this than having to top up and monitor my Revolut account.

​

To get this £10 bonus via the refer-a-friend method, follow these steps:

1 – Sign up using my link - https://www.secure.currensea.com/referral/ALJUF5

Referral code:

ALJUF5

2 – Spend £100 in foreign currency within 120 days to receive the £10 bonus

​

I am using the free Essential tier. Conversion fees are 0.5% - less than most banks and works out as about £5 per £1000 spent. The easy to use nature of this card makes it worthwhile in my opinion!

Terms - https://www.currensea.com/legal/personal/terms-and-conditions

Non-ref (no bonus) - https://www.currensea.com/

Freetrade is a stocks and shares platform with an easy to use app. There is a wide range of stocks, shares, ETFs and investment trusts. This is a similar app to Trading212.

To get a free share, you and the person referring you need to fund your account with £50. You will then get a free share worth between £10-£100.

I have funded my account so if you use my link and deposit £50 you will get the free share.

______________________________________________

The terms very clearly state that codes must not be shared publicly on Reddit but may be shared via direct message.

Simply click here and ask me for my code via private message!

Or tap my profile and send me a chat message.

______________________________________________

If you sign up using my link + fund your account with £50 within 30 days, you will receive a free share worth between £10-£100.

You don't have to invest the £50.

The free share will show as pending as soon as you complete the required steps. It will be revealed and dropped into your General Investment Account (GIA) within 7-10 days.

The actual share you receive is picked on a random basis. Free shares are randomly selected from a list of interesting US and UK companies, ETFs, and trusts. Each free share will be valued at £10-100 at the time of awarding.

If you sell the free share, you can withdraw the cash only after 180 calendar days from the date it was awarded.

There are 3 plans - Basic (free), Standard (£4.99/month) and Plus (£9.99/month). I'd recommend the free plan for starters, unless you are a serious investor. Click here for more.

Terms - https://freetrade.io/free-share and https://freetrade.io/legal/free-share-terms-conditions-v5

Non-ref - https://freetrade.io/

Grab yourself a £50 voucher by switching to EON Next!

The voucher can be used with over 100 different companies, and they also offer One4all gift cards too!

EON are now offering a NEW referral of £50 credit or a £50 gift voucher (CONVERTABLE TO AMAZON!!) if you switch to them!

Either both gas & electric or just one.

They have a great new fixed tarrif called next drive fixed v19! (LITERALLY ONE OF THE BEST (economy 7 style) TARIFFS AVAILABLE ANYWHERE!)

You are allowed this tarrif if you have a smart meter and either an EV, or solar and battery storage, but I can confirm that they don't check this!

There are many other tarriffs to choose from other than the one above, so see what suits you!

Simply message me for a referral link, click on it, and start the switch process, which should complete in a couple of days! You will then receive the voucher a few days later! You can use the voucher at hundreds of stores, or convert it to Amazon (message me for the details on how to do this!)

NON referral link: https://www.eonnext.com/

PLEASE MESSAGE ME FOR THE REFERRAL LINK

(It's against EON terms to post the link online!!)

NEW Terms and conditions: https://mention-me.com/me/terms/163959/kzzwspkn

THANK YOU!!!! 😃😃

Monument bank is offering new customers £30 paid the next day at 8am to your linked bank when you deposit £10k into a cash ISA before the 31st October 2026.

To sign up for Monument bank and receive the £30:

• Click on my £30 Monument bank referral link.
• Enter your mobile number and download the app.
• Open a cash ISA and deposit £10k (3.74% interest rate, ISA is flexible).
• Monument will pay you the £30 to your linked bank the next day at 8am.
• There is no minimum term you need to keep the money deposited after the bonus is paid.

Monument bank holds over 7 billion pounds worth of savings.

When you sign up for Monument bank, you can share your new referral link and you both will receive £30.

I appreciate your time in reading this and if you sign up and take advantage of the offer with my referral link, I'd like to say thank you.

Non referral link - https://www.monument.co/

Airtime Rewards is a popular passive cashback app that gives you money off your mobile phone bill or top-up credit if you're on Pay As You Go (PAYG).

Link the bank cards that you usually spend with and the app will automatically reward you with cashback when you shop at partner retailers in-store or online. You can then redeem the money against your bill or as PAYG credit when you've reached £10.

Their current refer-a-friend scheme is offering a free £2 sign-up bonus when you make a purchase of £5 or more within 7 days!

How to get your free £2 bonus with Airtime:

1. Download the Airtime Mobile Rewards app from the Apple Store / Google Play or via this link
2. Enter my referral code: DQMD9EKN
3. Add up to 10 debit and credit cards that you normally spend with so cashback can be awarded for purchases
4. Make a purchase (of £5 or more) at one of the retailers within 7 days to trigger the £2 bonus

Top tip: check regularly for "Flashes" to earn boosted cashback at certain retailers and "Challenges" to earn extra bonuses when you make two purchases a month.

There are over 200 retailers e.g. ASOS, Deliveroo, Argos, Aldi, Tesco, Boots and more, so it's pretty easy to earn cashback!

My experience: I've earned over £60 off my mobile phone bills over the past couple of years, so it's definitely legit and the passive tracking is brilliant! When I redeem the cashback, it automatically reduces my upcoming bill and appears on my statement as an extra payment already paid, so my direct debit payment is automatically reduced.

Links

• Referral link: sign up here for an extra £2 bonus + enter code DQMD9EKN
• Non-referral: https://www.airtime.co.uk/

Budgey nonref is the UK rebrand of Widilo. It works like other cashback sites where retailers pay Budgey a commission and you get part of that back.

How it works:

1. Sign up using my referral link
2. Click through Budgey to a retailer and make a purchase
3. Cashback tracks and is confirmed by the retailer
4. Receive your £5 bonus once confirmed

You can also earn cashback on everyday shopping, get occasional boosted offers, and £3 per friend referral after their first qualifying purchase. Minimum withdrawal is £20.

Sign up and get £5 free cashback: https://www.budgey.co.uk/i/642M90

Rooster Money Card is a top up debit card for kids! (6-17yr olds, The parent adds money to the card)

It's a great way for your children to get used to using a debit card.

For an easy free £20 if you currently have a Natwest current account, see below! (THERE ARE NO FEES EVER, IF YOU ARE A NATWEST ACCOUNT HOLDER, but they will charge £2 a month otherwise..) (you can still do this offer if you don't, but its only worth about £16 due to monthly charges)

Steps:

1. Click the link below:

https://roostermoney.com/referrals/7YYBS-49

1. Download the app via the above link, the code should be auto-filled in.

2. Sign up for a parent account.

3. Order the free card for your child (age 6-17). (Proof of age MAY be asked, but they didn't ask for any from me).

4. Once your child's card arrives in the post, activate the card in the app.

5. After you have held an account for a month, within 10 days after that month, you will receive £10 to your parent account! Then simply withdraw if you wish.

I can confirm that they pay reliably and on time!

(Keep your account open for another month after receiving the £20 otherwise they say they may claim it back!).

Terms and conditions: https://roostermoney.com/refer-a-friend-terms/

Non Referral link:

https://roostermoney.com

(YOU CAN STILL DO THIS OFFER IF YOU ARE NOT A NATWEST ACCOUNT HOLDER, BUT THEY WILL CHARGE YOU £2 A MONTH, SO WOULD BE LEFT WITH £16 PROFIT BEFORE YOU CAN CLOSE YOUR ACCOUNT)

No credit check is performed.

I have a fresh 10/10 referrals left! (I will update if that changes!) (You get 10 per year!)

Thank you!.... 😊😊😊😊👍👍👍