Get rewarded for sharing top deals with friends and family! We update this list regularly with the best UK refer-a-friend offers, helping you and your referrals earn cash, bonuses, and exclusive rewards.
What Are Refer-a-Friend Offers?
Refer-a-friend deals let you and your friends earn free cash, bonuses, or rewards when they sign up for a service using your unique referral link. Many UK banks, investment platforms, and cashback sites offer these incentives, making them a simple way to boost your earnings.
How Do Refer-a-Friend Offers Work?
1️⃣ Share your referral link – Most companies provide a unique code or link.
2️⃣ Your friend signs up – They must meet any eligibility criteria, like making a deposit or completing an action.
3️⃣ You both get rewarded – Once your friend qualifies, you’ll receive your bonus!
Why Do Companies Offer Referral Bonuses?
Businesses use refer-a-friend schemes to attract new customers. Instead of spending on ads, they reward existing users for spreading the word. This means easy money for you and great deals for your friends!
Latest free money offers
- £10Cashback UK - Earn £150 doing EASY online tasks 💰Cashback is a website and platform which offers users cashback in exchange for completing 'tasks' These tasks range from entering competitions and completing surveys through to signing up for free trials of products and other online tasks.
- 450 spinsSpin Wizard - Turn 450+ free spins into cash (no deposit)SpinWizard is a collection of the best free spin deals in the UK. Sign up to receive 450+ in FREE SPINS to try a huge selection of UKGC licensed casinos.
- £20-200Whatnot - Get £20-200 to spend (completely free)Whatnot is a live-streaming shopping app where users can buy, sell, and auction items like collectibles, clothing, and more in real-time.
- £100J.P. Morgan – Get £100 when you invest £1,000J.P. Morgan Personal Investing is a managed investment platform offering products including Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs, Personal Pensions and General Investment Accounts.
- £220HSBC - Get £220 to switch your current accountHSBC are offering a £220 cash bonus when you open a new HSBC Bank Account and switch your existing current account to them.
- £5Sprive - Get £5 towards your mortgageGet a £5 reward when you join Sprive using our code and complete your first shop. Sprive is a cashback app that lets you earn rewards on everyday spending, which can then be put towards your mortgage.
- £10Post Office Travel - Get £10 when you top up £100The Post Office Travel Money Card is a prepaid travel card that allows you to load and spend money abroad without needing to carry cash.
- £105Starling - Get a FREE SURI Pro 2.0 Toothbrush Worth £105Starling is one of the UK’s best-known app-based banks. Their latest switching offer gives new customers a FREE SURI Pro 2.0 electric toothbrush and UV clean-and-charge case worth £105 when switching an existing current account to Starling.
- £25Sidekick - Get £25 or £100 cash bonusSidekick is a savings and investment app that allows users to earn a cash bonus by joining through a referral code and completing the qualifying balance requirements.
- £25Rakuten - Get £25 in bonus cashback (£50 spend)Rakuten functions as a cashback platform, similar to TopCashback and Quidco. It provides a straightforward method to earn up to 30% cashback, while shopping online at over 700 UK shops and brands.
- £50WorldFirst - £50 to sign up for a business accountWorldFirst is an FCA regulated business payments platform that helps businesses send, receive and exchange money in multiple currencies.
- £5iFast Bank - Get £5 when you deposit £500 (next day)iFAST Global Bank (iGB) is a UK-licensed digital bank offering global banking features, including multi-currency accounts and a refer-a-friend reward.
- £100Tide - Get paid £100 to sign up for a current accountTide is a UK financial technology company providing mobile-first banking services for small and medium-sized enterprises.
- £8Freecash - Earn £100+ each month completing offersFreecash is a reward site that allows you to earn cash by doing simple tasks online, such as taking online surveys or playing App Store games.
- £10Top Cashback - Get a £10 bonus when you sign upTopCashback is one of the UK’s leading cashback platforms, helping users earn money back when shopping online.
- $22+EarnOS (ero) - Earn $22+ completing 1-minute tasksEarnOS is a GPT rewards site that pays you real cash for completing simple brand missions, linking accounts you already use and playing games.
- £30Lloyds - Get paid £30 to open an accountLloyds Bank plc is a British retail and commercial bank with branches across England and Wales. Right now you can get £30 for joining Lloyds bank through their refer a friend link.
- £10ACE Money Transfer - Get £10 when you send £100ACE Money Transfer is a trusted international payments app offering a £10 bonus for new users who complete a qualifying £100+ transfer using a referral code.
- £300Co-op - Get paid up to £300 to switch your accountCo-operative Bank are offering a £300 switch bonus when you switch bank account to them.
- £300IG Trading – Get free shares worth up to £300IG is one of the UK's most established platforms for share trading and investing.
- $50eToro – Get $50 in free shares when signing upeToro is a global investment platform that lets you buy stocks, ETFs, cryptocurrencies and other investments through its app.
- £6Robinhood - Get a free share worth £6Robinhood is a good platform for active trading and provides commission-free trades on all investments.
- £50Chip Money – Earn £50 when you sign upChip is a UK-based fintech app offering Cash ISAs, Savings Accounts and Investment ISAs.
- £10Zopa - Get £10 paid into your accountZopa is a UK digital bank offering current accounts, savings accounts, credit cards and loans.
- £10Krak – Get £10 cash + 2% cashback for 30 daysKrak is a money app that offers a debit card with cashback on everyday spending.
- £175Nationwide - Earn £175 when you switch banksNationwide is the world’s largest building society, with over 16 million members and a reputation for rewarding loyalty. This £175 switch offer is exclusively for existing Nationwide customers.
- £175First Direct - Earn £175 when you switch banksFirst Direct is a telephone and internet based retail bank division of HSBC UK Bank plc based in the United Kingdom. Switch banks now and get a £175 bonus.
- £25Starling Bank - Get £25 free for signing upStarling Bank is a UK digital bank offering a free current account, debit card and mobile banking app.
- £10Klarna – Get £10 cash (instant withdraw)Klarna is one of the UK’s most popular Buy Now, Pay Later apps, letting you split payments or pay instantly using their debit card.
- £12+Webull – Get ~£12+ in free sharesWebull is running a welcome offer where new users can get 5 free US fractional shares just for signing up and depositing.
Frequently asked questions
How do refer-a-friend offers work?
Refer-a-friend offers allow you to earn rewards when you invite others to sign up for a service or product using your unique referral link. Once your friend signs up and meets the necessary conditions, you’ll both receive a bonus—often in the form of cash, vouchers, or account credits.
Do I need to be an existing customer to refer someone?
Yes, in most cases, you must have an active account with the company before you can generate and share a referral link. Some services also require you to have used their product for a certain period before becoming eligible to refer others.
What kind of rewards can I earn?
Referral rewards vary depending on the company and offer. Common rewards include:
💰 Cash bonuses – Direct deposits or PayPal payouts.
🎟️ Gift cards – Amazon, Tesco, or other retailer vouchers.
📈 Stock or investment bonuses – Free shares or investment credits.
🏦 Bank incentives – Cash rewards for referring new customers.
🛍️ Discounts and perks – Exclusive deals, cashback, or subscription credits.
Here’s our guide on the best current refer-a-friend offers.
How many people can I refer?
Each company sets its own limits. Some referral programs have a cap (e.g., you can refer up to 5 or 10 people), while others allow unlimited referrals. Check the terms and conditions to see any restrictions.
Does my friend need to meet any conditions for me to get the reward?
✔️ Sign up using your referral link.
✔️ Complete specific actions, such as making a deposit, spending a certain amount, or keeping the account active for a set period.
✔️ Be a new customer who has not previously used the service.
When will I receive my referral bonus?
The time frame varies by company. Some pay out rewards instantly after your friend meets the conditions, while others may take a few days or weeks. If there’s a delay, check the referral program’s FAQs or contact customer support.
Can I refer myself using another account?
No, most companies prohibit self-referrals. Attempting to refer yourself may result in losing eligibility for the bonus, account suspension, or both.
Can I stack multiple refer-a-friend offers?
Yes! You can participate in multiple refer-a-friend schemes across different companies. However, you usually can’t combine referral rewards with other welcome bonuses for the same service.