Referrer-Only Offers: How to Make Them Win-Win for Everyone

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Referral bonuses have become a key part of modern money apps, but not all of them are created equal. Some give both the referrer and the new user a reward. Others, however, are a bit more one-sided: only the person doing the referring gets rewarded.

At first glance, that can seem a little unfair — why would your friends bother signing up if there’s nothing in it for them? But with the right approach (and a few smart strategies), you can still make these “referrer-only” offers work for everyone involved.

Let’s explore how, and look at some of the most notable offers available right now.

Why Referrer-Only Offers Still Work

Even when only the referrer gets rewarded, these offers can still be mutually beneficial if you:

1. Share the reward – Offer to split or share part of your bonus with the person you refer. For example, if you earn £100, you could gift them £50 — both parties win.

2. Highlight the genuine product value – Sometimes the app itself is worth joining even without a sign-up reward. Financial tools like Nutmeg, Revolut, and Plum genuinely help with saving, investing, and managing money.

3. Find bonus routes for new users – Some promotions do give new users rewards through special partner links or events (more on that below).

Referrer-Only Offers You Should Know About:

App / Service	What It Is	Referrer Reward	New User Bonus	Notes / Links
Revolut	All-in-one finance super app with banking, investing, and budgeting tools.	£10–£200 depending on promotion and number of referrals.	Normally nothing — but you can currently get a £20 sign-up bonus via the Sziget Festival x Revolut offer.	Great for everyday spending, travel, and managing currencies.
Plum	Automated saving and investing app that helps you grow money without thinking.	Referrer earns £75.	Normally £0, but you can get a £10 bonus via this Plum partner link.	Excellent for building savings habits automatically.
Klarna	Buy-now-pay-later and budgeting app with a growing set of money tools.	Referrer gets £75.	No sign-up bonus for new users.	Useful if you already use Klarna for flexible payments — Join via Klarna invite.
Nutmeg	Investment platform for ISAs, pensions, and portfolios managed by experts.	£100 for LISA/JISA referrals, or £200 for ISA, GIA, or Pension referrals.	No direct sign-up bonus, but new users gain access to a professional, FCA-regulated investment service.	Refer via Nutmeg — one of the UK’s best-known digital investment platforms.

Turning Referrals Into Collaboration:

At the end of the day, referral bonuses are about more than just money, they’re about sharing useful tools and apps. If you approach it with transparency and fairness, even one-sided offers can be turned into opportunities for everyone.

So next time you’re about to refer someone to Revolut, Plum, Klarna, or Nutmeg, don’t just send them a link. Explain what they gain from joining, offer to share your reward, and show them how the product can genuinely help them. That’s the best kind of referral: one that pays off and builds trust.