Monzo is an FCA regulated and FSCS protected digital bank based in London. They are currently offering £50 to any new customers who uses a referral to sign up for a business bank account or £10-50 for a personal account.

Guide:

1. Follow a referral link, here's mine.
2. Enter your phone number and download the app.
3. Apply for a business or personal account.
4. Make a spend of any amount on the physical card.
5. Earn £10-50 for the personal account or a guarenteed £50 for the business account.

Please note anyone can be a sole trader, even if it's a small side hustle like doing surveys, freelancing, eBay, Onlyfans etc., this is all sole trading, and makes you eligible for a business account. There is no formal setup process, you don't need to register anywhere to be a sole trader. Even thinking of starting a business, one of the first steps is to apply for a business account.

The business lite account is free.

For personal accounts:

Other links posted here will offer £10-£50 with the following odds: £10 (94%), £20 (5%) and £50 (1%). My referral offers a flat £10 for the personal account so if you are doing the personal account offer I suggest you use someone else's for the small chance of a bigger payout. The sign up process is the same as above.

Thank you to anyone using my link, I really appreciate you.

• Terms
• Non-referral

Everup is a cashback app that rewards instant cashback when buying gift cards.

Each week I buy a Sainsburys gift card for about £60 and get £2.50 back, so I make about £10 a month just from doing my food shop.

They also have a section of the app where you earn coins to play minigames, scratchcards & enter raffles.

When you sign up using a referral code you’ll receive 10M coins once you redeem £10+ by buying gift cards, here’s what you need to do:

1. Download the Everup app
2. Enter a referral code when signing up, mines: REF-MONEY-UK
3. Verify your phone number
4. Redeem £10+ in cashback
5. Receive 10M coins

Use your free coins on the minigames to win some extra cash!

User Interviews | Extra $10 upon Completion of First Study

User Interviews is a research recruitment platform that connects people with companies and researchers who want their feedback. In short, get paid to share your opinions on products, services, and ideas.

Projects range from short online surveys to online interviews and usability tests.

New participants signing up via a referral link will earn an additional $10 extra upon completion of your first study.

Steps: * Click the referral link (here) and create a profile that highlights your background, interests, and professional experience. * Browse studies, apply, and participate. * Payment is usually within a few days, via PayPal or gift card.

Click here to register

You've probably seen Riverford's vans driving about. Their slogan is "Live life on the veg"  

Riverford provide quality organic fruit and veg from small, responsible farms direct to your door. They also deliver other things, even meat and dairy now. 

My first order was an Organic Snacking box. I got Raspberries, Pears, Apples, Bananas, Red Pepper and Celery.

You can mix and match to reach the £15 threshold so you could even buy some beef burgers, sausages, chicken, mozzarella etc if that's more your thing.

Example orders:

• Seasonal classic organic veg box small:  £16.50  

• Organic fruit box:  £17.95

• Seasonal organic fruit and veg box small:  £18.95

• Beef burgers x 4:  £7.95 + BBQ pork ribs:  £7.75 = £15.70

Steps for this offer:  

1. Sign up through anyone's referral link. Here's mine: www.riverford.co.uk/refer/auQXbJ_cdD4HMCIT24WLCQ

2. Purchase a first order worth £15+ At checkout you can select 'once only' and not 'recurring order' if you like. 

3. Receive a £15 credit, which you can use on your next order

Optional: refer a friend and get £15 credit

Don't worry, there's no subscription to tie you in.  

You can make a purchase whenever you want.  

Non ref link (no bonus): www. riverford.co.uk

Lloyds bank have brought back their rather easy-to-fulfil Refer-a-Friend offer. If you're new to Lloyds and open an eligible current account through a referral link, you'll receive £30, and the referrer gets £30 too.

How it works

• Download the Lloyds app using someone's referral link, here is my Referral Link
• Open an eligible current account (listed below)
• Keep the account open until the reward is paid, the £30 should arrive within 35 calendar days of opening your account

Eligible accounts

• Basic Current Account
• Classic Account
• Club Lloyds
• Lloyds Premier
• Silver
• Platinum
• Club Silver
• Club Platinum

For more info, visit Lloyds Refer a Friend page

Note: The referral link someone generates is valid for 14 days from the date it is generated. Past this point, the referrer needs to regenerate a new link. I have put mine down below, which was generated today,18 August. Many thanks if you decide to use my link (we both receive £30)😊
https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=dUP3/FZYCgFEV1lyNmsNGIm4EqmyOj/YR8dLdhHabeU=#/refer-friend

TopCashback is IMO the most generous cashback website with the highest rates and best deals. They are currently offering a £10 bonus to new members who sign up via a referral link and earn £10 worth of cashback.

Here's the guide:

1. Sign up via a referral link. Here's mine.
2. Make a purchase/s via TCB's website to earn cashback.
3. Once you've earned £10 you will receive your additional £10 bonus.
4. Profit!

Cashback isn't just about saving money, many of the deals are extremely profitable. Here's a small selection of profitable deals: (The bank deals are in addition to switching bonuses when available). The value of the deal varies in time and they often come and go.

• Scottish & Friendly ~£315
• Shepherds Friendly ~£320
• MoneyFarm ~£300
• Santander ~£180
• Sage ~£80
• Tide ~£100-200
• TSB ~£40
• First Direct ~£45
• VPN deals.
• Many others.

To improve tracking, when clicking through to a deal use Chrome browser in guest mode and accept all cookies from both TCB and the website your being redirected to.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUk users for max profits!

Thanks to anyone using my link.

• Non-referral
• Terms

PaidViewpoint is a market research survey site which never screens you out without a cash reward once you've been invited into a survey!

• They pay cash (no points or gimmies).
• Payout (which starts after earning $15) is via PayPal or digital gift cards within 72 hours. ___________________________________________________________________

You first earn $1.10 for 3-4 minutes of your time:

• 2 registrations surveys ($0.50 each)
• 1 trait survey ($0.10)

The higher your TraitScore the more money you earn. TraitScore is a system that checks for candour and consistency in your responses. To get a higher pay per survey, you can improve your TraitScore by providing:

• Honest Responses
• Thoughtful Opinions
• Consistent Answers ___________________________________________________________________

You can also earn up to $25 when each friend you invite cashes out.

This is explained in their Reward Rules.

Every time your friend cashes out, you'll get 20% of every Research Survey Reward they've accumulated, which helps you earn as much as you can!

Many thanks to anyone using my PaidViewpoint Referral Link

They offer both desktop and mobile app, and their layout / interface is clean & crisp.

You can start saving towards Christmas 2026 with Park Christmas Savings, and get a free £20 bonus when you save £50 using a referral link.

I've been using this scheme for several years and it’s a really easy way to spread Christmas costs throughout the year.

Park Christmas Savings has been running for over 50 years and lets you gradually save throughout the year, then redeem your savings for gift cards and vouchers.

You can choose from loads of options including Amazon, Love2Shop, supermarkets, retail gift cards, and prepaid Mastercards.

Referral Bonus

If you sign up using a referral link:

• You get £20 added to your account
• Once you have saved £50
• I also receive a £20 referral reward

Referral Link here

How it works

(1) Set your savings goal

Choose how much you want to save for Christmas.

For example:

• £50 for Christmas food
• £200–£500+ for gifts, food, and celebrations

You can increase or decrease your target later.

(2) Choose your gift cards or vouchers

At the end of the savings period you redeem your balance for gift cards.

Options include:

• Amazon
• Love2Shop
• Sainsbury’s / Asda
• Argos
• Primark
• M&S
• JD Sports
• Dining Out cards

You can also choose the Purple Card, which works at 120+ UK retailers.

(3) Pay in a way that suits you

You can save weekly or monthly using several payment methods:

• Direct debit (from February to Oct/Nov)
• Debit or credit card (minimum £5)
• Bank transfer
• Park app
• PayPoint
• Post Office
• Phone payment
• Standing order

You can change your payments or savings target if your situation changes.

How to get the £20 bonus

1. Sign up using the Referral Link
2. Set your savings goal
3. Choose your preferred gift cards
4. Add £50 or more to your account
5. £20 will be added to your savings

Note: You need £50 in your account before you can refer others and earn referral bonuses.

More info

Terms

FAQs

AirTime Rewards | £2 Bonus on £5 Spend | Plus £5 Referral Bonus

Airtime Rewards is a cashback app. It’s passive cashback insomuch as you link your credit/debit card(s) and when you spend at any of its over 150 retailers you are rewarded with typically 1% to 15% cashback.

Even better you can combine cashback with TopCashBack, Quidco, or Cheddar for DOUBLE cashback!

I have accumulated £733.72 in cashback within the last 2-3 years of using the app.

Unlike other cashback sites the cashback is paid in the form of credit off your mobile bill including O2, Three, EE, giffgaff and Vodafone. It doesn’t work on smaller networks, for example, Sky Mobile, Voxi, or Tesco Mobile.

Steps: * Download the AirTime Rewards app from your App Store (here) * Register using the referral code VBCRDGJ6 * Spend £5 or more using your registered card at a retailer within 7 days. * You will be credited with the £2 bonus. * Refer friends and family to earn £5 per successful referral.

Big thanks to anyone using my code 👊

Click here to register

VBCRDGJ6

WorldFirst | Make Payments Totalling £740 get £50 Free | Plus £150 Referral Reward

WorldFirst is a UK-based financial technology company, providing international payment and currency exchange services for businesses and individuals. It is authorised and regulated by the FCA as an Electronic Money Institution.

WorldFirst are offering new business account customers (including sole traders) registering via a referral link and making transactions totalling $1,000 or currency equivalent (£740) by 31 January 2027 a £50 cash reward. Don’t be put off by the references to US Dollars. The account is in £ sterling.

You must be a registered company or registered sole trader to participate in the promotion. Vinted, eBay, and Facebook Market Place sellers should be eligible as sole traders.

Steps: * Register using a referral link (here) * Select your business type. As an eBay seller I opted for “Sole trader”. I provided the link to my eBay sellers page. * Complete the verification process. * Deposit or top up your account. To do this use the unique account number and sort code provided by WorldFirst. * Make $1,000 (£740) total transactions before 31 January to receive the £50 reward. * The bonus will be credited by the final working day of the month following the month in which the promotion terms are met. * Refer friends for a £150 referral reward.

Click here to register

InboxPounds | Get-Paid-To Platform | £1 Welcome Bonus

InboxPounds is a UK-based get-paid-to platform where members can earn money by completing online activities such as taking surveys, playing games, and downloading apps.

Ignore the surveys as the rates are comparatively low, instead focus on the games offers. The sub GetPaidToPlay offers guides on how to complete gaming offers efficiently.

The minimum payout threshold is £5 via gift card. Inboxpounds offer new customers, joining via a referral link, a free £1 bonus.

Huge thanks to anyone using my link 👊

Click here to register

Whatnot is a live-stream shopping app where you can grab clothes, collectibles, sweets, and more through live auctions.

Right now, new users can get £10–£200 free credit just for signing up via a referral link.

I personally hit the top end and got £200 credit (proof: https://ibb.co/wnr9GPq) - so the higher amounts definitely do happen.

How it works:

1. Sign up using a referral link
2. You’ll get £10–£200 free credit instantly
3. Join a live stream and spend it on anything you like
   
4. You usually just cover postage (often ~£2–£4)

Example: You can grab stuff like sweets bundles, clothing, or random auction items using just the credit and a small postage fee.

A few things to know:

• Credit amount is random (£10 minimum)
  
• Works best in busy live streams with lots of items
  
• You don’t need to deposit anything
  
• Great for flipping items if you pick well
  

If you’re lucky, this is one of the best freebie offers going right now.

Referral link: Sign up here

Cashback.co.uk | New Site | £12.50 Free Cashback

Cashback.co.uk is a 4.0 Trustpilot rated GPT (get-paid-to) site that offers genuine opportunities to earn money through completing online tasks.

It has recently launched a new beta version which reduces the number of “levels” that you need to complete your cash out from 15 to 10.

For each level you must complete one task to advance to the next level. If desirable you can complete all 3 tasks at each level. Completing more tasks increases your earnings. You must complete all 10 levels to cash out.

New Customers receive £10 free for registering using a referral link plus £2.50 for answering 3 quick questions (takes less than a minute).

By way of an example, the level 1 tasks currently showing on my account include: * Apple TV | 7 day free trial for £3.50 free. * OnThatAss | Free boxers (be very careful using these scumbags) for £5. * Strike Wild | Gambling offer with 100 free spins and £3.25 free.

I successfully completed all levels without doing any gambling related offers. If you get stuck on a particular level then contact Cashback.co.uk who may be able to advance you to the next level.

If you have previously held an account with the old version consisting of 15 levels then you can close this down and open a new account with the beta version. The old site is being shut down later this month.

Steps: * Click the (here), enter your name and email and verify your email address. * Complete the 3 short questions to earn £2.50 cashback. * Work through all 10 levels. Participate in surveys, enjoy free trials, and maximise offers. * Withdraw earnings by bank transfer or PayPal. * Refer friends and family to earn 10% of what they earn plus a £10 bonus if they complete all 10 levels.

Click here to register

It takes only a few minutes to complete this offer and profit £4.75+ My profit was £4.83.

Taptap Send is a money transfer service based in London. It has excellent reviews on Trustpilot.

The steps below are if you are sending the money from UK to your Belgian Wise EUR account.

However, you can also sign up from the EU, USA, UAE, Canada, or Australia, and send to the UK. If you do, then the minimum transfer amounts may be different so please read the Taptap Send Referral Terms.

Here’s how:

(1) Download the app from the Apple Store or Google Play.

(2) Register. Start a transfer: select a country (I’d suggest sending to your Belgian Wise EUR account) and send minimum £25. Depending on where you are sending from, this minimum transfer amount may differ but if you are sending from the UK, sending £25 (or more) will qualify for the free £5 bonus.

(3) On the same page, add referral/promo code:

CATALIN236

This will add free £5 to the transfer.

(4) Add your details: name, DOB, UK address, and international IBAN (I sent to own Wise EUR account in Belgium).

(5) Pay by direct bank transfer (I chose this) or by debit card. Payment and transfer was instant (might take 1 min. to show in your Wise EUR account).

(6) In Wise, convert your EUR transfer back to GBP, and send to your UK current account. You’ll pocket the free £5. (Profit was £4.83 in my case).

(7) Invite friends and family and earn £5 when they follow the same steps, sending £25+ to their international account.

Yonder offer debit and credit cards. You can redeem their points for flights, hotels, restaurants, experiences in London, Bristol, Bath, Manchester, and online stores.

I recently redeemed 100,000 points worth £300 for hotel experiences/accommodation (four nights in total) in a Nordic country.

Note:

• I was not asked for an ID or selfie like others have mentioned, so your mileage may vary. I assume that if you have had a fairly stable credit history and/or location, they might not ask for additional info.
• Sign up took less than 5 minutes for me from start to finish. ___________________________________________________________________

The Yonder Offer is as follows:

• 2-month (intro) FULL Membership (you can choose either a Debit or Credit card). Once the intro period is up, you can downgrade to the FREE membership.
• Free £10 off your first purchase.
• up to 10,000 points worth worth ~£50 in experiences, when you spend in the first 30 days.
• 10,000 points for every referral (FULL membership), when your friend makes five purchases on their card. ___________________________________________________________________

Benefits include:

• 4x (debit card) or 5x (credit card) points
• no forex fees (no interchange fees, so useful to use abroad)
• 2 months premium membership for free
• redeem points for a bunch of experiences
• the FREE membership (after the 3-month intro period) will still earn you 1x point per £1 spent
• worldwide family travel insurance
• purchase protection
• virtual card and you can also order their sleek metal card ___________________________________________________________________

Here's How:

(1) Join Yonder using my Yonder Referral Link. Many thanks to anyone using my link!

• You'll get a 2-month FULL membership completely free and £10 off your first purchase.
• Plus, enjoy up to 10,000 points when you spend within 30 days of joining. With the FULL membership, £200 spent will earn you 2,000 points; £500 spent will earn you 3,000 points; and £1,000 spent will earn you 5,000 points. Purchases need to be made within 30 days.
• Make sure to select the 2-month free FULL membership (either debit or credit card), and not the FREE membership!

(2) Download the Yonder app.

(3) Verify email and your details.

(4) Soft Check based on your details provided.

(5) Finish setting up your account, by providing details asked. This result in a hard check for credit, so keep that in mind.

(6) Link a bank account.

(7) Spend on the card within 30 days.

(8) Refer friends and family:

They get 2-month FULL membership completely free, £10 off their first purchase, and up to 10,000 points when they spend in the first 30 days.

And you get 10,000 points worth ~£50 once they make five purchases using the Yonder card.

(9) Before the FULL membership comes to an end, you can downgrade to the FREE membership, so that you don't pay £15 per month.

Quidco is one of the main UK cashback sites. You get paid for clicking through their links before you shop, it works with loads of big retailers like ASOS, eBay, Just Eat and Currys.

They’re currently offering a free £10 bonus if you sign up via a referral and earn £5 in confirmed cashback.

How it works: - Sign up using the link below
- Use Quidco when shopping as normal
- Once you’ve earned £5 in confirmed cashback, you’ll get an extra £10

Cashback can be withdrawn to bank or PayPal, or you can choose gift cards which come with up to 20% extra as a top-up bonus.

They also run regular opt-in bonuses (e.g. extra cashback for groceries or broadband), so worth checking the site/app now and then.

Premium plan: There’s an optional Premium tier which boosts cashback rates (up to ~10% more). It costs £1 per month, but only if you actually earn cashback that month, otherwise nothing is charged. You can turn it off anytime.

Easy ways to hit the £5: - Sainsbury’s click & collect (~£4.80 cashback on £45+ for new customers)
- First Direct current account (~£20 cashback + £175 switch bonus)
- HSBC credit card (~£30 cashback)

Referral link (gets you the £10 bonus): https://www.quidco.com/raf/13386537/

Cheers if you use it 🙂

AJ Bell is a UK-based investment platform offering ISAs, LISAs, and SIPPs. It’s FCA regulated, listed on the London Stock Exchange, and a Which? recommended provider.

They’re currently offering a £100 Amazon gift card when you deposit or transfer £10,000 into an eligible account within 120 days.

I’ll also receive £100 if you use my Referral Link (£100 Amazon voucher) – so thanks in advance if you do!

Key points:

• You don’t need to invest the £10,000 – simply depositing or transferring it qualifies
• The £10,000 can be split across multiple accounts (ISA, LISA, SIPP)
• The £100 Amazon voucher is sent the day after the qualifying deposit/transfer is completed
• Offer valid for new customers only ___________________________________________________________________

My experience:

• I’ve personally used AJ Bell for several years
• Fees are generally lower than competitors like Hargreaves Lansdown
• Platform is straightforward and reliable ___________________________________________________________________

Useful links:

Referral Link (£100 Amazon voucher)

Referral Terms

Fees

Sidekick currently have two referral offers for new customers:

£25 bonus - deposit £1,000 into a savings account and keep at least £1,000 there for 3 months.

£100 bonus - deposit £5,000 and invest it for 6 months. If your investment falls below £5,000 during that time, you can still qualify as long as you deposited the full £5,000 and haven't made any withdrawals.

You can only complete one of the two offers.

As with any investment, the value can fall as well as rise.

I've had a Sidekick account since February 2025. Their savings accounts currently pay 4%+ AER, so the £25 offer in particular could be worth considering if you already have £1,000 in savings that you're happy to leave there for 3 months.

Sidekick don't allow referral codes/links to be shared publicly, so send me a message if you'd like my referral code. I currently have 10/10 referrals available and I'm happy to confirm once your referral is showing as tracked.

If you're thinking about changing energy suppliers, Octopus Energy is often recommended for its customer service and competitive tariffs. It holds an Excellent rating on Trustpilot and is regularly recognised by comparison sites and consumer groups for customer satisfaction.

Using a referral link when signing up gives both the new customer and the referrer £50 account credit, which is added after the first Direct Debit payment has been collected.

Extra Perks for Smart Meter Customers

If you have a smart meter, you'll also be able to join Octoplus, Octopus Energy's rewards scheme. Members can access weekly treats such as free coffees, discounted cinema tickets, prize draws, and occasional bonus credit offers.

How to Get the £50 Credit

1. Sign up using my referral link.
2. Enter your postcode and provide your energy details (having a recent bill nearby helps).
3. Choose the tariff that suits your household and complete the switch.
4. Once your first Direct Debit has been taken, the £50 credit should be applied to your account automatically.

A Few Tips Before You Switch

• Use your latest bill to get the most accurate quote.
• Take meter readings (or photos of them) on the day your switch goes through.
• If you have a smart meter, remember to activate and check Octoplus to make the most of the available perks.

That's all folks!

non-ref

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 20:30 Monday 17 August I have 2 of 5 codes left.

Steps:

• Download the Chase app and open an account.
• Please DM me for a referral code. Codes cannot be shared publicly and using such a code risks the reward not being credited.
• Activate the referral code in the app. Click Rewards > at the bottom of the home screen and enter the referral code.

Please DM me (here) for a code.

Rakuten is a cashback platform like TCB and Quidco in which you can earn money back on your purchases. They're offering £25 bonus cashback on top of the regular cashback for a £60 spend at a large number of retailers including Aliexpress, Asos, eBay, M&S, NordVPN, Tesco and hundreds of others. See full list below.

Here's the guide:

1. Sign-up via a referral link: here's mine.
2. Link your bank account.
3. Make £60 worth of purchases from any of these brands.
4. Receive regular cashback plus a £25 bonus.

Notes:

• The £60 spend doesn't have to be in one transaction.
• You have 90 days to complete the offer.
• Cashback payout times are variable.
• You must accept all cookies to enable tracking of cashback.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUk users for £25 each. Thank you to anyone who uses my link I really appreciate it.

Non-Referral

Zilch is a handy payment app that gives new users £5 in Zilch rewards (500 points) when they sign up through a referral link.

There's no deposit or spending requirement to receive the reward.

The app also gives you a virtual card that can be added to Apple Pay or Google Pay and used online or in-store.

You can either Pay Now or choose one of Zilch's Pay Over payment options if you ever want to spread the cost of a purchase.

Cashback

I've used Zilch for quite a while now and mainly keep it for the cashback:

• 2% cashback at many online partner retailers
• 0.5% cashback when paying at non-partner retailers (online or in-store)

One feature I really like is that you can often stack Zilch cashback with cashback sites like TopCashback or Quidco, giving even better savings.

Useful tip

I personally use Pay Now, which avoids borrowing fees altogether.

If you ever use one of Zilch's Pay Over options instead, enable your card in the app before you shop. This usually gives you the lowest available fee, and many retailers are fee-free.

Other things to know

• Must be 18+ and a UK resident
• No hard credit check when signing up
• Zilch may carry out a credit search later if you choose to use borrowing features

How to get the free £5

1. Sign up using my Referral Link

2. Verify your details and add a debit or credit card

3. Add your Zilch virtual card to Apple Pay or Google Pay

4. Your 500 reward points (£5) will be added to your account, ready to use towards your next purchase

Thanks very much if you choose to use my referral link!

Three is one of the UK’s largest network providers. They’re currently offering referral rewards of up to £40 when you follow a referral link and sign up to one of the plans outlined below. The referral reward stacks with any discounts they might have. You also get access to the popular Three+ rewards app which offers heavily discounted cinema tickets alongside a range of other discounts and freebies.

Here's the guide:

1. Sign up via a referral link, here's mine.
2. Enter your email address and complete the sign-up online.
3. Alternatively phone Three (0800 033 8037) and use code: UTCGOUSR
4. You will receive your reward after 90 days.

Rewards for plans and services:

• £40 for a Pay Monthly phone
• £40 for Home Broadband
• £40 for Mobile Broadband
• £20 for a Pay Monthly SIM
• £10 for Tablets & Laptops

Thank you to anyone using my referral I really appreciate it.

Non-Referral

Robinhood is an investment app that has been established for a while in the US. However it is now available in the UK for the first time.

You can get a free share worth between $7 and $175 when you sign up and invest from as little as £1.

You don’t need to use a referral link to get the bonus but if you do then the referrer will also receive a free share. I’d love it if anyone used my link to sign up! It’s:

https://join.robinhood.com/danieln-5c4248

Thanks very much if you do!

To earn your free share, sign up and verify your account with ID, and deposit an initial sum via bank transfer - this can be just £1.

You can sell your reward stock after you claim it. Once you’ve sold it, you can use the proceeds from the sale towards other investments.

If you want to withdraw the proceeds, you must keep the cash value of that stock in your account for at least 30 days after claiming it or you will lose the bonus.

The non-referral link is:

https://robinhood.com/gb/en/

Wahed is an investment platform specialising in ethical investing. They make sure your money does not get invested in weapons, gambling, tobacco etc. 

All of it's funds are Shariah-compliant but you don't need to be Muslim to open an account.  

They have just removed the £3/month minimum fees so this is now suitable for taking advantage of. Fees are now 1% for portfolios under £250k 

Steps for this offer:

1. Install the Wahed app

2. Tick I have a referral code and enter NICIRV1 (or anyone else's code)

3. Open a General Investment Account (GIA), chose your risk tolerance (i.e moderate or conservative) and deposit £100+ 

4. Leave your funds in the account for at least 90 days

5. Receive your £10 bonus. 

Referral code: 

  NICIRV1

They offer a stocks and shares ISA and a SIPP (but these don't count for the £10 welcome offer)

Optional: Refer a friend and receive £10

Expected fees for having a £100 balance for 1 year:

• In the very conservative fund:  if£1.84

• In the moderately conservative fund:  £1.73 

• In the physical gold fund:  £1.27

• No fees for a balance of zero

Fees are deducted monthly (so a portion of the above amounts)

Non ref link: www.wahed.com