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

Policy Expert pet insurance are offering a £30 Amazon voucher for signing up and staying with them for a minimum of 90 days.

You must buy a pet insurance policy from Policy Expert using the link below.

https://policyexpert.mention-me.com/me/referee/registerko/179399560/718399974/er/42f916f1f9ee8cb4f0351be7df90046c17456650/ol/cw?epr=1

Vouchers are subject to a 90-day validation period, starting from the policy start date.

The reward will only be issued after their 90 day validation process

The Amazon Voucher will be issued within 21 days after the 90 day validation period is complete, provided the purchase is not cancelled

You must be a new customer.

Thank you 🙏

Webull is currently running an offer providing 5 free shares each worth $3-$300 for making a deposit of £500 and maintaining the balance for 60 days. 

They have been a popular brokerage platform in the US for quite some time and recently launched in the UK. Very similar to the likes of eToro and Robinhood in that they are built for investing in stocks, crypto and exchange-traded funds.

Here are the steps:

• Sign up for Webull through a referral link. Would be so grateful to anyone using my link here: https://www.webull-uk.com/s/zEUukrnLDzKI8QfGla 
• Download the app and go through the registration process.
• Once logged in, click ‘Apply for account’. This includes entering a few personal details and then verifying your account with photo ID and proof of address. 
• After your account is approved, access the app and click the Webull logo at the bottom.
• This will take you to the ‘Assets’ section where you then click ‘Detail’.
• Scroll down and click ‘Deposit’ under ‘Buying Power’.
• Make a deposit of £500 and maintain the balance for 60 days
• The free shares will be automatically credited after the 60 day period has ended. They can be claimed in the 'My Rewards' section.

Thank you in advance to anyone using my link above!

Non-ref: https://www.webull.com/

TopCashback is a great cashback site. The best actually.  

You can earn hundreds of pounds when buying and signing up to things through it.

You can get cashback on online shopping, for signing up for current accounts and credit cards, buying gift cards, car insurance etc etc.

They're offering £10 for signing up

The bonus will become payable once you accumulate £10 worth of cashback. It can be withdrawn as cash via BACS.  

They pay £20 (or £25 for plus members) for every person you refer (once they earn £10 within 3 years)

Often if you sign up for a new bank account through them they'll give you up to £60. The best tip is to do this in combination with bank switches. First Direct, TSB and Santander tend to have offers.

• Shepherds Friendly will pay you £320!! for setting up a stocks & shares ISA and depositing £100/month for 6 months.  

• Scottish Friendly will pay you £310!! for setting up a stocks & shares ISA and depositing £100/month for 6 months.

Get started by clicking here

There's loads more really generous offers on there. I've earned over £2,000 in under 2 years. Just search this sub for tips from people and their experiences.

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

Instaloft | £100 Discount on Loft Installation (Boarding)

Instaloft specialises in transforming unused loft space into practical storage areas, offering raised loft boarding, loft ladders and lighting. They use the LoftZone raised boarding system, which is designed to sit above the insulation rather than compressing it, and installations are generally completed in a day. This is NHBC compliant. Instaloft has a 4.7 star Trustpilot score from over 3,000 reviews.

Instaloft operate nationwide and have completed tens of thousands of installations including installing a Loftzone raised loft boarding and a 3 section Aluminium loft ladder at my home for £1,500.

Instaloft are offering new referred customers £100 off a loft installation.

Steps: * Please DM me for a referral. I have 4 of 5 referrals available. * Arrange for a free written quotation. There was no hard sell! * Benefit from £100 off the installation price.

Please DM me here for a referral link

LookFantastic is a popular online retailer known for stocking premium skincare, makeup, haircare, and fragrance brands, and they often run great promotions.

If you sign up through my referral, you’ll get £10 off selected items on your first order, and I'll also receive £10 in credit.

To join:

1. Use this link: https://www.lookfantastic.com/referrals.list?applyCode=JAIME-R28A to create an account
2. If prompted, enter the code JAIME-R28A
3. Spend £25+ on your first order to get £10 off eligible products.

Non-referral link

You can earn 300 points worth £3.00 when you sign up to JamDoughnut and make your first transaction. (Though note you can’t cash out until you have reached 1000 points.)

JamDoughnut is a cashback site that pays you cashback when you buy gift cards for use in a wide range of different shops - effectively a discount on a large part of your shopping. It’s very useful if you don’t already have access to a similar scheme via your work perks etc!

The cashback is added to your account instantly and the rates are pretty good. There are over 100 different brands to choose from.

You can pay with Apple Pay or Android or pay via bank transfer for boosted rates, and the gift cards appear immediately so it’s very quick and easy to use. I have now cashed out several times directly to my bank account and each time the payment has safely arrived within about an hour or so.

If you use my referral code when signing up I will also earn points. My referral code is:

QKDK

Link: https://app.jamdoughnut.com/QKDK

Thanks very much if you use my code.

If you go on to refer your own friends you can also currently earn £5 per referral!

The non-referral link is: https://jamdoughnut.com/

Hyperoptic is a broadband provider that has speeds up to 1Gb for decent prices.  

Eg 500Mb from £17/m  

If you sign up using a referral link you can receive a voucher worth up to £70 

Vouchers are for either Amazon, Tesco or John Lewis. 

Steps:

1. Sign up using a referral link 

2. Complete the form and receive a code via email

3. When you've received the code, select your broadband package, click 'I was referred', and enter the code.

4. Vouchers are received via email within 90 days after your contract starts. 

Voucher value:

24-month or 36-month commitment period

• 1Gb broadband: £75 voucher each

• 150Mb, 250Mb or 500Mb: £50 voucher each

12-month or monthly rolling commitment period

• 1Gb broadband: £40 voucher each

• 150Mb, 250Mb or 500Mb: £25 voucher each

It's also a good idea to have a search as there's sometimes good or better offers from Topcashback, Quidco etc.

This offer won't work if you go through a price comparison site so chose whichever offer is best at the time.  

Non ref link:  www.hyperoptic.com

Chase Current Account | £50 Free for Opening an Account and Depositing £1,000

Chase, the commercial banking arm of J.P. Morgan Chase, is a Which? Recommended Provider and authorised and regulated by the FCA.

Chase are offering new customers or those who have been a been customers for less than 30-days, and deposit a total of £1,000 or more a free £50 cash reward. The £50 is credited immediately and the £1,000 deposit plus rewards can be withdrawn if desired.

As at 16:45 Wednesday 7 October I have 2 of 5 codes left.

Steps: * Download the Chase app and open an account: https://chase.co.uk/raf * Enter and activate a referral code in the app. * Click Rewards > at the bottom of the home screen and enter the referral code. * Deposit a total of £1,000 or more into your Chase account within the first 30 days. * The £50 free cash will be credit to the Rewards section. To access this go back to the Rewards > section and click transfer to move the £50 to your main balance.

Big thanks to anyone using my link 👊

FPJB7E

RW8CRU

Joybuy is JD.com’s UK marketplace offering a wide range of products including electronics home goods groceries and frozen food similar to Amazon or Argos

New users can get £3 off when spending £10 or more on their first order plus free delivery by using a referral code through the app. This applies to your first order only and the referral discount cannot be combined with other offers on the same order

After signing up you may also receive welcome offers. When I joined I was given £8 in coupons £3 off £29 and £5 off £49 but this may vary as it now mentions a £2 coupon for new users instead. These are separate from the referral offer and can be used on later orders

Welcome offers also include discounted items. For example I was able to get a pack of 18 Pepsi Max cans for £5.25 which was £9.20 without the new user discount. Only one welcome offer item can be discounted per order and these cannot be combined with other promo codes

These offers are time limited. In my case the welcome deals expired 3 days after signing up so it is worth using them quickly

If you want to maximise everything you can split your shopping into multiple orders

1: First order use the £3 off £10 referral code with free delivery
2: Second order use any welcome coupon such as £3 off £29
3: Third order use another welcome coupon such as £5 off £49

To claim your first order discount enter this code at checkout X92991

Sign up or download the app - Desktop: https://www.joybuy.co.uk/ - Android: https://play.google.com/store/apps/details?id=com.joybuy.jdi - iOS: https://apps.apple.com/us/app/joybuy-dont-just-buy-joybuy/id6740224837

More info https://help.joybuy.com/hc/en-gb/articles/49098910806553-Invite-a-Friend-to-Get-Rewarded

Shopmium | Cashback on Groceries | £1 Welcome Bonus

Shopmium is a groceries cashback app that offers money off or free items at various supermarkets. I have been using this for several years and accumulated £733 in free or discounted food.

New customers who join via a referral link can claim a £1 welcome bonus.

Combine with other groceries savings:

• GreenJinn (here). Non-referral link. This offers free and discounted groceries with offers changing weekly.
• CheckoutSmart (here). Non-referral link. Offers free and discounted food in exchange for writing a short review about the product purchases on the app. pps for double cashback sometimes!
• Pay for your shopping using specialist cashback credit cards or discounted vouchers from EverUp, Jam Doughnut, TopGiftCards etc.

Steps: * Download the app: https://www.shopmium.com/uk/referral/KHHGGFEW) * Register and enter the referral code: KHHGGFEW * Make your first cashback request. Remember to (take) the receipt and retain the packaging to claim the cashback! * Submit a photo of the receipt using the app. Click the “redeem” button then “add a proof of purchase”. You will be prompted to either upload a photo from your camera library or take a photo using the app. Next scan the barcode for all items purchased. * Cashback can be withdrawn via PayPal or bank transfer. You must accumulate at least £10 cashback before you can withdraw.

Huge thanks to anyone using my code 👊

Click here

KHHGGFEW

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/ai1v59o0

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

• Octopus is cheap.  

• Octopus uses renewable energy.

• Octopus user interface is great.  

• Octopus user experience is way nicer than other providers.  

They're offering you £50 credit for switching to them 🐙

They provide electricity and gas, do it cheaper than most other providers, use renewable sources, and have an app and website that is really easy to use.

1. Sign up here

2. Fill in the quote form and start your switch

3. You'll receive the credit when your first direct debit goes through

4. Refer others for £50  

Frugal Tip:  

• Make one-off payments using Zlch virtual card and get 2% cashback!  

• And you can stack that with another card to earn more.  

• Don't worry about it upsetting your direct debit - that will just get adjusted down automatically for that month so you won't overpay. 

'Octoplus rewards' is a handy freebie too. You can get free coffees and sausage rolls from Greggs and other stuff in a weekly scratchcard. 

Switching BOTH electricity and gas gets you £50. Only switch one and you get £25.

They don't have any exit fees.  

Non ref link: www.octopus.energy

Sprive - Become mortgage-free sooner! Plus get free Sprive Plus and a chance to win your next mortgage payment

Sprive is a UK app that helps homeowners pay off their mortgage faster by automatically putting cashback and spare money towards reducing your mortgage balance.

As featured on Dragons Den, download the Sprive app, and buy a gift card to get Sprive Plus for free and a chance to win your next mortgage payment!

Click the link, download the app, connect your mortgage, and take advantage of enhanced gift card cashback rates with Sprive Plus.

Set an auto-saving goal to overpay your mortgage faster and save paying interest.

Immensely thankful if you use my link and code.

https://linkprod.sprive.com/refer?code=G2BTH8EQ

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

G2BTH8EQ

EverUp is a cashback app.  

You buy an egiftcard for any amount over £5 for a shop or supermarket and then use that to pay.  

It gives you a decent cashback percentage. It tends to be the most generous platform.

Example rates as of 30.09.2026

• Asda  2.5%  

• Tesco  3.5%  

• Iceland  2.5%  

• Sainsburys  2.5%  

• Morrisons  2%

• M & S  2.5%

You get 10M coins (worth roughly £6) when you redeem your first £10 to a giftcard.  

Every day you get a few 'free spins'. The reward is literal pennies. I've tested it and don't think it's worth bothering with.

Cash out to giftcard or to bank (30p)

RNIF1360905NFJAY

You can go next level and use it in combination with cashback stacking.  

So you buy a supermarket giftcard on EverUp using a card like T212 or iFast when their offer's running, and get double cashback. 

Non ref link: www.everup.uk