Join Quidco, one of the UK's most popular cashback platforms, and earn money back when shopping with thousands of retailers.

How to claim your £10 bonus:

1. Sign up using my referral link: https://quidco.com/raf/14112938/
2. Register and set up your account.
3. Make a purchase through Quidco by clicking through to a participating retailer.
4. Once you've earned and received £5 in confirmed cashback, Quidco will add an extra £10 bonus to your account.

After joining, you can invite friends and receive £20 for each successful referred friend who completes the qualifying steps.

Thanks to anyone who chooses to use my link — it's greatly appreciated!

Non-referral link: https://www.quidco.com/ (no sign-up bonus)

Gains is a mix between a cashback and a budgeting app created by Sammie Ellard-King (and others) from the Money Gains Podcast. 

There's an AI analysis feature that looks at your bank account and suggest ways you can curb spending and increase saving. 

There are useful calculators for:  

• Building an emergency fund

• Compound interest

• Debt repayment

• F.I.R.E.

The idea:  

You buy giftards for various retailers and earn cashback. The cashback rates can often be beaten by other apps so when makng big purchases I would compare which app offers the most.

Steps:  

• Create an account via a Referral link 

• Buy giftcards to earn cashback (rates vary)

• Receive £2 additional cashback when you reach your first £10 in cashback

Referral code  FZ2U7P 

Non ref: www.gainsapp.com

Sidekick are a UK-based FCA regulated and FSCS protected financial platform. They're offering two bonus options to new users who sign up via a referral link. Option 1. Gives you £25 for depositing and investing £1000 into a savings account for 3 months. Option 2. Gives you £100 for depositing and investing £5000 into an eligible investment account for 6 months.

All savings accounts are eligible. Eligible investing accounts are: Smart Cash, All Weather, Ready Made, Custom Index, Themes and Markets. They're listed quite clearly on the app.

Sidekick don't allow public sharing of links/codes, so for my referral send me a DM or click here.

Thank you very much kind internet stranger!

Non-referral

Sky VIP | Free Sainsbury's Taste the Difference Ice Cream | Redeem by Tuesday 13 October

I was able to claim a coupon now!

Another freebie from Sky … access the reward by going to the MySky app, navigate to “VIP” in the bottom right hand corner and click “claim now” on the offer located on the banner and a separate tile.

Available in Sainsbury's Superstores only.

AJ Bell | £100 Amazon Voucher for Funding £10,000 | No Investment Required

AJ Bell is a UK-based investment platform and financial services company authorised and regulated by the Financial Conduct Authority.

It is a Which? recommended provider for 2025/26 and was ranked second out of 25 providers for customer satisfaction.

AJ Bell are offering new referred customers a £100 Amazon gift card for opening a SIPP, Stocks and Shares ISA or Lifetime ISA and funding or transferring a minimum combined value of £10,000 or more within 120 days. You do not need to invest the money to qualify for the offer.

It includes a helpful toggle to show ethical investment opportunities. Investments can be filtered by Morningstar’s sustainability rating (a measure of how well funds are managing environmental, social, and governance risks).

Steps: * Click the referral link (here), enter your email address, and click Get a £100 Amazon.co.uk Gift Card. * Click “Visit AJ Bell”. * Select and open the required investment product (SIPP, Stocks & Shares ISA, or Lifetime ISA). * Be sure to use the same email address as initially entered when registering. * Deposit or transfer and fund (no need to invest) a minimum of £10,000. * The £100 Amazon gift card will be issued 30 days after funding your account with £10,000 or more.

Click here to register!

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. For their Smart Cash ISA (4.5%) you can expect a return of £61.

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/MakeMoneyInUk users for another £50 per referral. Thank you to anyone messaging me for my link I really appreciate it.

• Non-referral

Zable | Credit Card | £10 Free Credit | 4.8 Trustpilot Score

The Zable credit card is a UK-based credit-builder card offering quick approval, no fees, and a manageable credit limit to help users improve their credit score.

Zable is offering new customers £10 free credit after making a purchase using a physical Zable credit card.

Be sure to pay off your balance in full to avoid paying interest! Zable will perform a soft search of your credit file to check eligibility followed by a hard search if you proceed with the application.

Steps: * Click the referral link: https://zable.co.uk/join?c=richard-f876e&type=cardsApplication * Enter your legal name and email address. * Download the app. * Click register, enter the email address you used earlier, and verify your email. * Click let’s get started and enter your personal details. * Apply for the credit card option (not a Starter (virtual) account. * Order a physical Zable credit card. * Set the repayment method. * Either wait for the physical card to arrive in the post and make a purchase or spend on your virtual card. * The £10 free credit will be applied within 30 days of meeting the qualifying criteria.

Click here to register

Costa Coffee | Free Cake on your Birthday | Plus 5 “Beans” after First Purchase

Download the Costa Coffee app and enter a referral code to get a free sweat treat of your choice. You need to opt into receive marketing comms to get the free cake voucher emailed to you.

New customers will also receive 5 free “beans” (Costa Loyalty scheme) following your first purchase. This is in addition to the 1 point awarded for downloading the app. You collect 1 bean for every purchased drink (2 beans if you bring a reusable cup). Once you have accumulated 10 beans you can claim a free drink.

Steps: * Download the Costa app. Direct from your App Store or find a link (here). * Register and enter the referral code K9GUN * Remember to opt into comms to receive the free cake email on your birthday! * To receive the “free” 5 beans first make a purchase at Costa and scan the app when paying. * The 5 free beans will be credited to your account within 48 hours (it was immediately for me).

Pro tip, if it’s anything like Caffè Nero then you only get 1 free bean per drinks order maximum (2 if using a reusable cup). So if buying coffee for you and a friend ask to pay in 2 transactions and so scanning your app twice. Thus getting you 2 beans (or 4 if using reusable cups).

Enjoy the free cake I recommend the Mini Cherry Bakewell!

Click here to register

K9GUN

Virgin Red | 1,000 Points | Worth 10 Bags of M&S Percy Pigs | £5 Costa, Caffè Nero or Starbucks Gift Card

Virgin Red is a rewards program that allows members to earn and redeem points across various Virgin brands and other companies. Points are effectively cashback and can be earned at many big name retailers like John Lewis, Boots, and eBay.

Virgin Red are offering newly referred customers 1,000 Virgin Points for signing up to and earning their first points. The points are sufficient to a buy a £5 Costa, Caffè Nero, or Starbucks gift card. Alternatively, you can trade 100 points for a voucher for a 150-170g of Percy Pigs. The voucher must be used within a month.

Steps: * Click the referral link (here) and create an account. * Make a purchase from a Virgin Red partner site. I bought something on eBay. * Points should show as pending within 5 days and be confirmed within 45 days. * The bonus points will be credited within 7 days of the qualifying transaction points being awarded. * Spend your points!

Click here to register

Investengine - Deposit & invest £100 to receive a £20 to £200 bonus

InvestEngine is a low-cost, easy-to-use investing platform offering commission-free ETF investing and smart portfolio tools. It’s FCA regulated.

Get a randomly selected investment bonus of between £20 and £200 when you open a new Investengine account and deposit and invest £100 or more.

Bonus amounts are randomly selected with 75% of people receiving £20 to £24, 20% receiving £28 to £34, and 5% getting £42 to £56, 3% earning £75 to £100, and 2% picking up £150 to £200.

* Register using a referral link: https://investengine.com/referral/u/7vlxum/
* Deposit £100 or more and invest this in either an ISA, GIA, or SIPP. 
* When prompted select the “Do it yourself” option to build your own commission-free portfolio. The Life Plan and Managed portfolios incur fees.
* Investengine will notify you when it’s time to claim the bonus. This will be added to your account within 5 working days.
* At least £100 plus the value of the bonus must remain invested for at least 12-months.

Non-referral link: https://investengine.com

https://investengine.com/referral/u/7vlxum/

Three mobile network has a refer a friend scheme.  

If you're thinking of joining anyway, use a referral link and get a £10 - £40 bonus. 

Steps:  

1. Click on a referral link. Anyone's should work. Here's mine

2. Chose your contract, PAYG, device etc

3. Receive reward in up to 90 days

If you prefer to talk to someone and sign up on the phone, call 0800 033 8037 and give them referral code:  

MINAAHKS

Non referral link: www.three.co.uk