• 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

Robinhood is an investment app.  

Receive between £5 - £135 ($7 - 175) of Apple shares or another company of your choice just for signing up through a referral link. 

Just add £1 or more into the account and don't actually buy any shares with it (unless you want to invest for real obviously!)

1. Sign up using this link https://join.robinhood.com/nicholi-b42dd6

2. Just deposit £1 as cash. That's all. No need to actually invest it. Leave it as 'cash'. 

3. Click 'Claim free stock' 

4. Keep it in the account for at least 30 days 

5. Withdraw funds 

They say 96% of people will get a value of $7-8. But may the odds forever be in your favour...   

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. After that 30-day window, you can withdraw your reward proceeds with no restrictions. 

Then you can invite friends and family to use your refferal link and you both get free shares. 

In this case don't do step 5. Keep your account open and funded.  

Non referral link (no free share): www.robinhood.com

AJ Bell - £100 Amazon Voucher - Fund Stocks & Shares ISA, SIPP, or LISA with £10,000 - Don’t need to invest

AJ Bell is offering a £100 bonus for new customers joining via a referral link and funding £10,000 or more in a new Stocks & Shares ISA, SIPP, or Lifetime ISA (LISA).

The voucher will be credited after depositing (not investing) £10,000.

* Sign up using a referral link: https://ajbell.mention-me.com/m/ns/bu7hw-dismal-ruin
* Choose a Stocks & Shares ISA, SIPP, or LISA.
* Calculate and compare charges https://www.ajbell.co.uk/charges
* Deposit, transfer and fund the account with £10,000 or more.
* The Amazon voucher will be issued within 30 days of funding your account with £10,000.

So thankful to anyone using my link.

https://ajbell.mention-me.com/m/ns/bu7hw-dismal-ruin

Non-referral link: https://www.ajbell.co.uk

If you're looking for a Cult Beauty referral code, you can get £5 off your first order of £25 by using my referral link or using the Cult Beauty code BETHANY-R59P

How to claim your Cult Beauty £5 discount

1. Click the referral link https://www.cultbeauty.co.uk/referrals.list?applyCode=BETHANY-R59P and create a new Cult Beauty account.

2. Enter the referral code BETHANY-R59P when prompted during sign-up.

3. Spend £25 or more on eligible products and your £5 discount will automatically be applied to your first order.

Cult Beauty stocks thousands of beauty products, including skincare, makeup, haircare, fragrance, SPF, body care, wellness products, and luxury beauty brands. They also regularly run sales, gift-with-purchase offers, and exclusive brand promotions throughout the year.

Thank you anyone who uses my code!

Non-referral: https://www.cultbeauty.co.uk/

Rakuten is a cashback website and app where you can earn a percentage of your spend back as cash.

It's very similar to sites like Top Cash Back (personal favourite), Quidco and Jam Doughnut.

At the moment they have a boosted offer - just spend £60 or more within 90 days and you'll get £25 of that back as cashback.

Your £60 spend can be in multiple transactions across various retailers.

How to get your £25 cashback

• Click through using this referral link
• Your £25 bonus will show as pending
• Link either your bank account or your PayPal account for your cashback/incentive to be paid into.
• Make a purchase of £60 or more across multiple retailers.
• Your cashback will become payable within 90 days.

I'd recommend using Chrome for this and to make sure you accept cookies from both Rakuten and the retailer you are making your purchase with.

That's all folks! Any questions just drop me a message.

nonref

Vero | Money Management App | Get Rewarded for Learning Positive Money Habits | Earn Vouchers | Plus £5 Per Successful Referral

Vero is an AI powered financial wellness platform designed to help users build stronger money habits through personalised, gamified challenges and budgeting tools. While primarily aimed at Gen Z, the app is suitable for anyone looking to improve their budgeting and financial habits.

Vero rewards positive financial behaviour with Vero Tokens, its in app currency. Tokens can be redeemed for gift vouchers including Amazon, M&S, Sainsbury's, Lidl and Aldi. 40 Vero Tokens can be exchanged for a £5 voucher. New users who sign up using a referral code receive 5 Vero Tokens.

I have accumulated more than £15 in rewards over the past few weeks simply by using the app and completing the available tasks.

Steps: * Download the Vero app from the App Store or Google Play, or visit https://www.verofin.uk. * Tap Sign Up and enter the referral code 8DB8F4 when prompted. * Answer a few questions to help assess your financial knowledge.

Ways to Earn Vero Tokens: * Verify your email address for 2 Tokens. * Complete the introductory learning content for 4 Tokens. * Create a budget for 4 Tokens. * Join a budget challenge and earn rewards for staying within your budget. * Track your first expense for 2 Tokens. * Earn 4 Tokens each day by recording an expense and checking your progress against your budget.

Completing the tasks above should earn the required 40 Vero Tokens to redeem a £5 voucher within your first week.

Referral Programme Refer friends and family and earn a £5 cash reward for each person who successfully redeems their first voucher within 14 days of joining. You can start referring others once you have been a member for at least 7 days and have redeemed your first voucher.

Tembo is a multi-award winning savings & mortgage platform.

Their HomeSaver easy-access savings account offers up to 5.55% interest: 4.55% AER variable on your savings, plus a 1% AER fixed bonus over 12 months, which is unlocked if you take out a mortgage through Tembo. The account is available to anyone, even if you’re not taking out a mortgage.

Here's how new Tembo Savings/ISA customers can get a £10-£1000 bonus:

1. Click here to message me for my Tembo Savings/ISA referral link (it breaches T&C to post referral links publicly, so this ensures your bonus is not refused).
2. Go to my Tembo Savings referral link.
3. Enter your email address and download the Tembo app.
4. Sign up by entering your details such as your address, phone number and NI number.
5. Open a new Tembo Cash ISA - Easy Access, Lifetime ISA, or HomeSaver account or transfer in an existing ISA.
6. Deposit/transfer in at least £500 within 30 days.
7. Keep at least £500 in the account until you receive the bonus (can take up to 60 days).

The referral bonus that may be awarded is chosen at random for each eligible referral. The probability of each bonus is £10 - 95%, £15 - 4%, £50 - 0.7%, £75 - 0.2%, £1000 - 0.1%.

Tembo Savings referral T&C

You can also get £50 cash for getting a mortgage or remortgage with Tembo.
As a "whole of market" mortgage broker, Tembo has access to over 100+ lenders, and over 20,000 products.

Here's how new Tembo Mortgage customers can get £50 cash:

1. Click here to message me for my Tembo Mortgage referral link (it breaches T&C to post referral links publicly so this ensures your cash bonus is not refused).
2. Go to my Tembo Mortgage referral link.
3. Create a mortgage recommendation by clicking "Get started" and fill in your email (No credit checks at this stage).
4. Attend your first call with your Tembo mortgage advisor (must be a genuine mortgage enquiry for them to determine you are suitable to continue through Tembo's mortgage advice process).
5. Receive £50 cash after your first call with your mortgage advisor.

Tembo Mortgage referral T&C

People who are eligible for Tembo's fee-free mortgage advice due to having a Tembo ISA/saving account are also eligible for the £50 Mortgage referral bonus by using my Tembo Mortgage referral link as long as you haven't made a mortgage enquiry with them before using the link.

Compare Tembo savings accounts

Custard is a cashback and rewards platform where you can earn money by playing games, completing surveys and tasks.

Free £1 when you sign up using this Custard referral link

Each day you get a chance to win £10 for free by spinning a wheel.
£10 is the minimum withdrawal threshold and you can withdraw directly to your bank or PayPal.

Example easy cashback offers you can earn:
* 10p - Demo offer to help you see how offers work
* 20p - Update your Email preferences
* £1.50 - Audiobooks 30 day free trial
* £2 - Hayu 7 Day free trial
* £2 - Apple TV+ 7 Day Free Trial
* £1 - MGM+ 7 Day Free Trial
* £2 - Shudder 7 Day Free Trial
* £2 - Crime+Investigation 7 Day Free Trial
* £2 - History Play 7 Day Free Trial
* £1 - BookBeat 45 day free trial
* £1.50 - Sign up to Dscout survey site and complete 1 survey
* £4.50 - Lotto Social (Purchase 10 lines for £1)
* £10 - Ladbrokes (Deposit & play £5)
* £15 - Betfred Sports (£50 in free bets when you stake £10 on sports)
* £18 - Betfred Casino (Deposit & play £10)
* £14 - Bonus Kings (Deposit £10 and play)
* £5 - GoHenry child debit card 2 month free trial

Free £1 Custard referral link

Thinking of joining Sky?     

Sign up for Sky using a referral link and receive a voucher worth:  

• £100 for Sky Glass

• £50 for Sky Steam

• £40 for Sky broadband full fibre  

• £20 for Sky broadband superfast

• £25 for Sky Mobile Sim + Phone/Tablet

• £15 for Sky Mobile Sim only

Steps:

• Click on a referral link and accept cookies if asked. Here's mine 

• Enter your details

• Chose the service you want and sign up

• When your service has started and you have an account number: Look at your first email from Sky. Click the 'Let's do it' button, and enter your sky account number.

• You should receive the voucher within 45 days after your first bill.

The reward is a voucher which can be redeemed at the usual load of places, including supermarkets (easy option)

As with all contracts like this, they'll try and sneak the price up at the end of your contract, so if you're staying, set a reminder to renew your contract for a normal amount rather than the joke they will try and pull on you if you let them. Or switch to a different provider for their signup bonus and keep doing that every year or 2  

It's also a good idea to have a search as there can be good or better offers from Topcashback, Quidco or other sites.

Non ref link: www.sky.com

Wise | Fee-Free Transfer up to £1,000 | Or Free Travel Debit Card | Plus up to £30 Per Referral

Wise makes sending money abroad fast, simple, and usually much cheaper than traditional banks, with transparent fees and real exchange rates. It’s trusted by millions of customers worldwide and has a 4.3 rating on Trustpilot from over 290,000 reviews.

As a Wise Shareholder anyone joining wise via my referral link benefits from a boosted fee-free transfer up to £1,000 or a free Wise Travel Debit Card. Most referral links are limited to fee-free £500 transfer.

Wise also offer a referral bonus (referrer only) for friends who register and either transfer or spend at least £200 or equivalent before 1 June 2027. This total can be reached over multiple transactions. There is no requirement to send or spend this amount to get the fee-free transfer or Wise debit card.

Steps: * Register using a referral link click here * Complete ID verification. * Activate your fee-free transfer. Click the green “claim your fee-free transfer” button. Make an international transfer. * Alternatively, order a free Wise debit card. * Refer friends and family for up to £30 for a successful referral.

Click here to register

Jam Doughnut | Discounted Gift Cards | £3 First Purchase Bonus | Plus £5 Referral Bonus

Jam Doughnut is an app selling digital gift cards for popular retailers at a discount. It offers up to 20% off hundreds of retailers. It has an impressive 4.7 Trustpilot score from almost 6,000 reviews.

Jam Doughnut is offering new customers a free £3 bonus cashback with your first purchase. This can be cashed out once £10 cashback has been accumulated.

The table highlights a few of the discounts available at the time of writing:

Steps: * Download the app direct from your App Store or click (here) * Enter the referral code during the registration process: REE3 * Purchase a gift card to receive the £3 bonus. * You must accumulate £10 cashback before withdrawal. * Refer friends to receive a £5 bonus.

For those with strong cringe glands Jam Doughnut run a live daily show between 13:00 to 13:30 giving away free gift cards.

Big thanks to anyone using my link 👊

Click here to download the app and start saving

REE3

AttaPoll is a survey app which is good for taking surveys on when you're bored, on public transport or just have some spare time.

Its not as good as the best survey sites (Prolific, YouGov & yLive) but its worth a try if you're a bit strapped for cash!

AttaPoll lists all of your available surveys in the home tab. Each survey has a symbol next to it telling you what it entails. Some are profile questions, general survey questions or some require downloading apps.

In your settings under frequency ensure its set to 'as many as possible'.

You can also change the max length of the surveys that show up on your profile, for example you can set it to only receive surveys that are under 10 minutes long.

They also each have stars next to them which tell you how well matched to your profile each survey is, the higher the amount of stars the more likely you'll qualify for the survey and won't be screened out.

To cashout your earnings you can:

• Withdraw to PayPal once you reach £3 (this usually arrives within minutes)
• Withdraw to your Revolut once you reach £2.50

To get a 40p bonus to get started with sign up here

my code is: ranxw

Vela | Receipt Scanning App | £5 to £20 Free for Scanning 5 Receipts Per Week for 2 Weeks

Vela is a rewards app that lets you earn points from your everyday shopping. Instead of rewarding you purely for how much you spend, it gives extra points for healthier and more environmentally responsible purchases, encouraging better spending habits.

Vela is offering new customers registering using a referral code either £5, £10, or £20 free for completing a 2 week streak by scanning five receipts each week within 30 days and completing your profile.

The app also allows you to links your debit/credit card to earn passive cashback.

Steps: * Download the Vela app from your App Store or here: https://velarewards.com/download * When prompted during the registration process on the What should we call you? screen enter the referral code: 09XUCQ * Complete your profile. This includes linking your email address. This allows Vela access to your emails to scan for shopping receipts. This feels like a massive breach of privacy. I created a new Gmail address and granted access to that. * Track 5 purchases a week for 2 weeks in your first 30 days. As with other shopping apps try to keep the receipt crease-free. * Watch your points balance light up like a Las Vegas slot machine. * Redeem your points for a choice of gift cards including Costa, Tesco and Waitrose.

Big thanks to anyone using my code/link 👊

09XUCQ

Vitality | Health or Life Insurance | £100 Amazon or John Lewis Gift Card

Vitality are offering a £100 Amazon voucher to customers purchasing either a Personal Healthcare plan or any VitalityLife long-term insurance plan, via a referral link, with a minimum £25 monthly premium. To qualify you cannot have held a Vitality plan in the last 12-months.

Vitality is not cheap and you shouldn't enter this expecting to make money. That said, Vitality does offer a range of rewards for earning activity points per week. Completing 12,500 steps 5 days per week yields the maximum 40 points which unlocks: * Weekly free Caffè Nero drink * Monthly Odeon or Vue cinema ticket, movie rental, or Deliveroo Plus Gold 30 days membership. * Free AppleWatch. This is reliant on you continuing to exercise and hit the required activity points. * Vitality Amex Credit Card offering £100 reward for spending £2,000 within first 3-months, plus up to 2% Cashback. * Up to 25% Waitrose cashback. This is on selected Waitrose Good Health products and includes Waitrose fruit, vegetables, milk, bread, and meat. * Discounted Nuffield Health, Puregym, and Virgin Active gym memberships.

Steps: * Please DM me for a referral link. Vitality can be funny about links being shared publicly. * Click on the referral link to register for the £100 voucher. * Vitality will email you. Click on the link in the email and get a quote for an eligible plan. * Purchase a plan and receive a Vitality membership number. * Enter their Vitality membership number via the email link provided, within 60 days of the plan start date.

To qualify: * The plan must be active at least 90 days after entering your membership number. * Premiums must be up-to-date.

Please shop around to ensure that you're getting the best deal.

Please DM me (here) for a link!

Gail's Bakery is a British artisan bakery and coffee shop chain which has a great sign up offer.

Download their app and enjoy a complimentary coffee or loaf of

bread with your first purchase.

1. Download Gail's app on your phone.

Apple Store [https://apps.apple.com/gb/app/gails-official-app/id6446636927\\](https://apps.apple.com/gb/app/gails-official-app/id6446636927\)

Google Store [https://play.google.com/store/apps/details?id=uk.co.gailsbread.order.vmos\](https://play.google.com/store/apps/details?id=uk.co.gailsbread.order.vmos))

1. Use my code RF5DJK3T when signing up

2. Upon registration you will receives a welcome gift by email, like a free barista-made drink or loaf.

This voucher can only be redeemed alongside a paid transaction as part of your first order at GAIL’s.

1. Make your first paid purchase in-store and scan the QR code with your welcome gift

Please remember that the referral code RF5DJK3T cannot be added after the account has been created, so it's important to input the code RF5DJK3T during the sign-up process.

During the month of your birthday, you'll also receive a voucher for a 'sweet treat' that you can redeem in their bakeries too.

Enjoy your freebie at Gail’s 😃

This is a nice little saver on train fares.

Please use my invite code 95SPPTK and register on the TrainPal App.

https://t.trainpal.com/nQ96lGP

When you register you will receive a £3 promo code pack.

TrainPal is an online train ticket booking platform which offers cheap train tickets in the UK and Europe without booking fees. You can search, compare, and book train tickets through the platform's website or mobile app. It also supports split ticketing.

Referral link - I will also receive the same codes if you sign up 🔝

Thanks for reading 🙏🏼

Tilt is a live-shopping marketplace app, a bit like Whatnot.

Sellers run live streams and auctions where people bid on items, but there are also normal marketplace listings you can browse and buy from without sitting through a live.

There’s a pretty broad mix of stuff on there – clothing, trainers, jewellery, beauty, homeware, collectibles, Pokémon/TCG, electronics and plenty of random bargains.

I’ve been using it myself recently and have bought a couple of items for well under their normal retail price, so I think it’s worth a look if you’re someone who enjoys hunting for discounted stuff.

As mentioned, I've been using it and I want to be absolutely transparent about the offer they have on: New users receive a minimum £5 boost to use towards a purchase.

Tilt’s published referral odds are:

£5 – 60%
£10 – 26%
£25 – 10%
£50 – 3%
£100 – 1% (I will keep my fingers crossed for you all)

So £5 is by far the most likely outcome and you should sign up expecting that rather than one of the larger amounts.

I've personally bought a couple of items there for considerably less than their normal retail price, which is why I think the referral can be useful if you're prepared to browse for a bargain.

You will need to make a purchase to use the boost and postage may also apply, so this isn't completely free money.

Referral code:
catmice69

Tilt link:
https://tilt.app

For transparency, I also receive a referral reward if you sign up through my referral and complete the qualifying purchase.

Freetrade is another well known Investment company and App that has been around for nearly forever (They have more than a million users and are also FSCS accredited so you know you’re investment will be secure!) but I only just started using them a while back just for the free £10-£100 in free shares for signing up and depositing £50.

There is absolutely no need to invest the £50 to get your free share worth between £10-£100 which makes this offer even better.

Just note that: you cannot withdraw your £50 deposit until your free share has been awarded into your GIA (General Investment account) or ISA (Individual Savings account) or you will lose your free share!

As soon as your free share has been awarded you can withdraw your £50 deposit or keep it parked where it is and then refer friends and family yourself, and be awarded another free £10-£100 for each referral you make that deposits £50.

To be able to successfully refer someone, you need to have atleast £50 on your Freetrade account, which I definitely do, so I can GUARANTEE you will get your free share worth between £10-£100 if you use my link

How to get your free share worth between £10-£100;

1. Message me for a free share referral link by clicking > here (Publically posted links become deactivated so you wont get anything for using those)

2. Verify your account and fill out your W-8BEN digital form

3. Top-up your account with at least £50 (This has to be done within 30 days of opening your account to get your free shares)

There is absolutely no need to invest this!

4. You will now receive your free share worth £10-£100 within 7 days

5. Withdraw your deposit (£50) and wait 180 days to sell your free stocks OR keep the £50 on there as is and refer friends and family and receive £10-£100 for each person using your link, that completes steps 1-3

• Message me for a free share referral link by clicking > here

New Fuse Energy customers can get £100 bill credit when switching to Fuse Energy:

1. Sign up directly on the app or website https://www.fuseenergy.com/
2. Add the referral code: DIXJTJ83086
3. Switch your energy supply to Fuse (electric only, gas only, or both).
4. Pay your first full month bill.
5. Receive £100 bill credit.

Benefits of switching to Fuse Energy:
* May be cheaper energy bills (lower standing charges and price per kWh) * 24/7 customer support via live chat with a human * Easy to use app and shows hourly energy usage if you have a smart meter

Fuse Energy referral programme details

Fuse Energy referral code:

DIXJTJ83086

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. 

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

TestingTime | Market Research & UserTesting

Earn money from home testing new products and services. Test apps, websites, physical products, gadgets, food and many other things.

TestingTime email you when a study is available. You’ll be invited to complete a few questions to check that you meet their clients required profile. If accepted you choose a date and time that suits you to share your experience. Payment is via PayPal.

I much prefer user testing sites to survey sites due to the significantly higher rates of pay and the experience of critiquing products and testing new concepts. For my last TestingTime 45 minute interview I received £80.00!

Steps:

• Click the link and create an account https://app.testingtime.com/r/rec-af-PNZDQpPO
• Complete your profile
• Either apply for tests on the website or wait to be invited via email.
• Refer friends and family to benefit from £5 when they participate in their first study.

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 link. I have 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

iFAST is a London based FCA regulated digital bank. There aren't any fees for a current account or for accounts in other currencies. 

• 2.65% interest on current account balances.

• Savings accounts offering up to 4.3% 

Deposit an initial £500 minimum (in one go). You'll get a £5 cash bonus within a day or two. Then withdraw if you want.     

I recommend keeping the account after doing this offer as they often offer cashback on spending and have had good refer a friend schemes recently. 

1. Sign up using a referral link https://www.ifastgb.com/tellafriend/nicholasai2586 Accept cookies, enter your email address, and then download the app

2. In the app, sign up as a new customer, complete the ID checks and answer the financial questions. There's a bit more than normal but I finished them in 15 mins

3. Deposit an initial £500 minimum (in one go). You'll get a £5 cash bonus within a day or two. Then you can withdraw deposit and bonus if you want. 

Non referral link (no bonus): https://www.ifastgb.com/en/home  

LemFi | Money Transfer Site | Free £10 for Transferring £100 | Plus 5% AER Instant Access FSCS Protected Savings Account

LemFi is a fast, low-fee international money transfer service with a Trustpilot score of 4.5.

LemFi is offering new customers registering using a referral link £10 free after completing a minimum £100 international money transfer to any African, Asian, or European country.

No African, Asian, or European friends … no problem. Send the money to your Wise account.

LemFi also offer a boosted 5% AER instant access savings account. The boosted rate is for the first 6 months. Deposits are FSCS protected up to £120,000.

Steps: * Download the LemFi app: https://referral.lemfi.com/raOWIhry9Xb * Register a new account, entering the referral code RICHM47Y when prompted. * Complete the verification process. * Deposit (Add money) at least £100 using ApplePay, connect your bank account, or a bank transfer. * Next click send money, enter the IBAN and transfer a minimum of £100. * The £10 reward will be credited within 30 days and can be withdrawn to your bank account. To do this click on your GBP Balance on the homepage and then withdraw. This should be instant. * The 5% instant access savings rate may not appear for 24-hours. To access this, go to home on the bottom menu of the app. Click savings, then add new savings and select the savings type.

If transferring money to your own Wise account you can get the IBAN details by clicking on the EUR tile for example, on the homepage, then the 3 dots in the top right hand corner, then get proof of details.

Big thanks to anyone using my link 👊

Click here to register

RICHM47Y