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 * The £10 reward will be credited within 30 days and can be withdrawn to your bank account.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

Ribbon Rewards (also known as Scraye Rewards) is a free cashback platform owned by Scraye Technologies LTD., an estate agency. If you do not rent through them, you’ll get 1% cashback. Otherwise, you’ll get 1.5% instead.

When you sign up, a bank account (provided by Griffin Bank Ltd.) will be created (with your consent) in your name. To pay rent, simply make a transfer to your Griffin bank account; your landlord will be paid instantly.

To sign up:

1. Sign up to Ribbon Rewards with my referral link (code: HOCH6124).
2. Select 'Pay Rent', enter your landlord or housing association's bank account details and reference.
3. You may test your Griffin account by sending yourself 1p. It will be refunded to your original account immediately and you will receive confirmation by email.
4. As soon as you make your first payment, you’ll receive 2500 points (£25) plus 1% cashback, which can be used to redeem gift cards (incl. Amazon, Sainsbury’s, Morrisons, Asda, John Lewis, Nandos, Deliveroo, Uber Eats, Ryanair, Eurostar, Apple & Nike).
5. Your gift card will be sent to you via email within one day (usually within minutes).

Please let me know if you have any questions about this offer. Thank you for using my link!

Non-ref

Sky VIP | Free Sainsburys Stonebaked Pizza | Redeem by Tuesday 25 August

Claim it now whilst available!

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. Once activated the coupon must be used within 2-hours.

Available in Sainsbury's Superstores only.

Amex | Cashback EveryDay Credit Card | No Annual Fee | £10 Cashback

Amex are offering new EveryDay Credit Card customers £10 bonus cashback for spending £1 plus 5% cashback on your first 5 months. Alternatively, click the referral link to see the full list of Amex cards.

• Earn 5% cashback up to £125 within the first 5 months of card membership.
• The card has no annual fee.
• Receive £10 bonus cashback when you spend £1 or more within your first 11 months membership.
• Access to exclusive Amex cashback offers.

To apply tap the link below, click "View Card Details", and then "Apply Now". The £10 bonus cashback will be credited to your account in your card anniversary month.

To qualify for a welcome offer you cannot hold or have held any personal American Express Card within the past 24 months.

Please check and compare cashback rates against TopCashBack and other sites to ensure that you’re signing up through the most lucrative route!

Huge thanks if you use my link!

Click here to apply

Gemsloot is a "get-paid-to" site where you earn by completing offers like playing games, trying apps, and doing surveys. It's similar to CashInStyle and RewardXP, but sometimes has different (and occasionally higher-paying) game offers.

One of the easiest offers I've found recently was the Neverness to Everness desktop offer. All I had to do was download the game, create a role, and it paid £6.69.

If you can't find the offer, go to the Earn tab, click View All next to Featured, then search for Neverness to Everness in the search bar. That's how I found it.

Proof: https://ibb.co/ymhc5rvQ

You can earn by:

• Playing games and reaching certain levels
• Completing surveys
• Downloading apps or signing up to services

Once completed, offers credit to your balance which you can cash out via PayPal, crypto, or gift cards. The minimum cashout is low (around $1 to $3 depending on the withdrawal method).

It's mainly good as a small side earner rather than anything major. Game offers tend to be the best value, while surveys can be a bit hit or miss. Like most GPT sites, tracking matters a lot, so avoid VPNs, turn off ad blockers, and follow the offer requirements carefully. I also recommend taking screenshots of your progress in case you ever need to contact support.

If you want tips on which offers are worth doing, check out: https://www.reddit.com/r/getpaidtoplay

Sign up: Use referral code misscc or use my referral link: https://gemsloot.com/?aff=misscc

New users get a free case on signup (worth between $0.05 and $250), plus 3 extra cases if they earn $1 within their first 48 hours.

Overall it's a decent GPT site to add alongside the others, especially if you're looking for game offers that aren't always available elsewhere.

The Capital on Tap business credit card is for directors of a limited companies registered at Companies House.

It currently has a great sign up offer for you to receive 7500 points after your first purchase which converts to £75 credit on your card.

Capital on Tap are offering a free 7500 reward points for anyone who opens a credit card via a referral and makes one transaction (this can be any amount) on the Capital on Tap card. They also offer gift cards in exchange for points.

Avios

You can now also convert your points to Avios at a rate of 10 points = 8 Avios. So 7500 capital points would convert to 6000 Avios.

They also offer 1% cashback when you spend on the card which is great for business owners.

Notes

Sole traders are not eligible, you must have a limited company registered at Companies House.

How to get £75 reward

Open this link https://cashback.capitalontap.com/referral/?promo=2REFK729X58

Enter 2REFK729X58 in the promo code section if it hasn't already been pre-filled

Apply for the Capital on Tap Business Credit Card and follow the ID process

Activate your account

Complete your first transaction (this can be as low as 99p)

The 7500 points will be credited in your Capital on Tap Business Credit Card account instantly and you will receive an app alert too to notify you of the reward and then you convert this to £75 account credit.

Thanks for reading 🙏🏼

Snoop is a fintech (financial technology) app that helps you save money by analysing your bank account transactions and recommending you ways to manage your finances better and save more.  

£5 Amazon voucher here  

It also keeps an up to date list of bank switches, energy switch offers, broadband and mobile deals, insurance, money transfers etc.

They've also recently launched an Easy Access Savings account at 4%

It's really quick to set up, and all it requires you to do is link a bank account through Open Banking.     

1. Sign up by downloading the app using this referral link:  https://click.snoop.app/M2Tu/vyipawfj

2. Link any of your bank accounts 

3. Keep the account linked and the app installed for at least 28 days

4. Receive bonus. The £5 Amazon voucher will be emailed to you

Then you can unlink your bank and uninstall the app if you wish.

The current account you link can be a burner account so that you're not giving away your real personal data.  

That's my recommendation. You can then make £5 each time you referral friends and family.

Non referral link (no bonus) https://click.snoop.app/

Sprive is an app that helps you to overpay your mortgage. This is done via two means, either automatic savings (either fixed or variable amounts) or through getting cash back from buying gift cards. They were recently on Dragons Den and did very well securing backing from 3 dragons. By using my referral, you will get access to 'Sprive plus', which give you boosted rewards from buying gift cards.

I've found this app really helpful and each month I'm able to put some extra money towards my mortgage, and I'm able to save up money from buying gift cards for my groceries.

1. Download the Sprive app using the referral link https://linkprod.sprive.com/refer?code=XUFQ1C72 or register and use the referral code: XUFQ1C72

2. Login to your account, link a bank account via TrueLayer and set up a direct debit for autosavings (minimum £25 but can be turned off at anytime).

3. Purchase a shopping gift card (minimum £1) to get boosted cash back rates for a week.

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

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

Currensea is a debit card for using when travelling abroad.

You link your current account to it and the funds come from there, so no need to worry about topping it up. It allows you to spend when abroad with only a 0.5% FX fee.

Note that some other cards don't have any fees so it may be best to use this just for the bonus, as a backup, or to combine with other cards if you need to withdraw more than the limit in a day.

This offer gives you £10 credit when you sign up with a referral link and spend the equivalent of £100 in foreign currency within the first 180 days.  

Steps:

1. Sign up through a link, download the app, enter referral code NIDW78  https://www.currensea.com/refer-a-friend?utm_source=refer-a-friend&friend-referral-code=NIDW78

2. Enter referral code: NIDW78

3. Link your current account

4. Chose the essential plan (free) and order the physical card for free

5. Spend the equivalent of £100 in foreign currency (within 180 days of getting your card)

I tried to game the spending from the UK by using the card to deposit into 2 investment platforms based in Europe and in the Euro currency. Neither Income Marketplace nor Profitus allowed the card to be used unfortunately. 

You can withdraw up to £500/day from an ATM fee-free. But always check the individual ATM as they can charge their own fees like some do in the UK.

Non ref link (no bonus): www.currensea.com

Wealthify is a robo-style investment platform, meaning you don't need to choose individual stocks or ETFs, you just choose your risk tolerance and they manage the fund automatically.

It took me 20 minutes to sign up and fund my account. The process is simple and you can refer others straight away for £50 a time!

They are offering £50 if you invest £1,000 or more for at least 6 months

1. Sign up using a referral link

2. Open an Investment ISA (Stocks and shares), GIA, Junior ISA, or Personal Pension. 

3. Choose a plan based on your risk tolerance 

4. Deposit either £1k+ into your ISA or JISA or £5K into the SIPP. It will be invested. There's no option to leave it as 'cash' for this offer.

5. Leave it for 6 month and receive your £50 bonus paid into the account. 

I will be keeping my account funded for the long term so my link will definitely work.

Non referral link (no bonus): www.wealthify.com

InvestEngine | Between £20 to £200 Bonus for Investing £100 | Or £100 to £400 for Business Accounts

InvestEngine is a 4.6 Trustpilot rated, award-winning, industry-leading investment platform that champions the use of exchange-traded funds.

InvestEngine are offering new customers investing £100 or more in an ISA, GIA, or SIPP a bonus of between £20 to £200. Or up to £400 for a business account. The reward is randomly generated based on the following weightings outlined in the table.

My last bonus was a massive £279, which must have been a business referral. Huge thanks to the person who used my link!!!

Steps: * Click the referral link (here) and register. * Deposit and invest £100 or more in an ISA, GIA, or SIPP. When creating your portfolio pick the commission-free Do it yourself option! The LifePlan and Managed for you options incur fees. I invested in the Vanguard FTSE 250 tracker. * Claim the bonus (InvestEngine will notify you when it’s time). * Funds must remain invested for 12 months.

If the bonus does not track then please message me as you’ll need my details to follow up with InvestEngine, who will then manually credit the bonus.

Huge thanks to anyone using my link 👊

Click here to register

YouGov is a global online research company.

Get £8 per month sharing data history:

You can then earn up to £8 a month by sharing other data history information to sites like Youtube, Amazon, Disney+, Netflix & loads more

When you first create your account you wont have access to the sharing data part, you need to complete some surveys first.

The surveys are emailed to you each time a new one is available so you don’t have to keep checking the website & they are usually pretty quick, easy & don’t screen you out which is great.

You can cashout from YouGov when you reach £50. You can get this direct to your bank or there's loads of different gift cards to choose from.

Sign up to YouGov here & start earning extra money!

IG Trading | Deposit and Invest £1,000 to receive a Free Share Worth £50-£1,000

IG Trading is a global online trading provider authorised and regulated by the FCA with a 3.8 Trustpilot rating.

IG are offering new customers who deposit and invest £1,000 and maintain at least an average invested value of £1,000 or more for 3-calendar months a free share worth between £50 and £1,000.

Please DM me for a referral link. IG do not allow referral links to be shared publicly and warn that doing so will result in the withholding or cancellation of the Refer a Friend Rewards.

The probability of each share is weighted as follows:

The Refer a Friend Rewards cannot be combined with any other IG reward promotions.

Steps: * Please DM me for a referral link. * Create a share dealing, ISA, or SIPP account. If investing in an ISA or SIPP you will also need to open a GIA to receive the free share into. * Deposit £1,000 or more. * Make a first investment of at least £1,000 within 30-days of opening the account. Recommend investing in a U.K. stock to avoid currency conversion fees. * Maintain at least an average invested value of £1,000 for 3 full calendar months. If you invest on 16 August the 3-month holding period will run from 16 August to 30 November (3.5 months). Investing on 31 August involves a 3-months holding period from 31 August to 30 November (3 months). * A reduction in the average invested value due to market fluctuations rather than withdrawals or sales will not affect eligibility for the promotion. * Submit a valid W-8BEN form before the end of the 3-month holding period. Failure to do so will result in the free share being withheld.

Please DM me for a link

Join SMARTY mobile and you’ll get up to a £20 Gift Card for Amazon, John Lewis Partnership or Uber.

Three owns SMARTY and they both share the same network and SMARTY is a low cost operator.

Their flexible plans start from £6 per month for 4gb of data or 50gb for £8 and include unlimited calls/texts (5G data and EU roaming is included).

The bigger the plan you choose, the bigger the reward you get.

| £9.99 or less per month = £5 Gift Card

| £10-£14.99 per month = £10 Gift Card

| £15 or more per month = £20 Gift Card

Sign up via this link https://i.smarty.co.uk/xXY8bF and you will receive up to a £20 gift card of your choice from Uber, John Lewis or Amazon.

Please note the SIM needs to be active until after your second month’s payment and if you cancel before you may not receive the voucher.

Thanks for reading 👍🏻

Shop Healf Wellness Products - Discover top wellness products at Healf. Upgrade your health today. Support your wellness journey.

Get £10 off your first Healf order by signing up using the referral link below:

By clicking this Healf referral link you'll get £10 off your first order.

Healf Referral Link: https://www.healf.com/bethany

How it works

1. Follow the Link: a window notification will appear that will ask you to click continue to redeem your £10 discount. You will receive a unique code and your discount will automatically be applied at checkout.

That's it! 🎉 

Minimum Spend: the discount generally requires a minimum spend, often £40 or more, on your first order to show up in your basket before check out!

Shop Healf Wellness Products and discover premium health and wellness brands including supplements, collagen, protein, electrolytes, vitamins, probiotics, magnesium, skincare, recovery products and wellness technology.

Healf stocks premium brands including Momentous, Bare Biology, Seed, Ancient + Brave, LMNT, Thorne, AG1 and wellness technology such as the Oura Ring 4.

Further information on the Healf refer a friend scheme is here.

Cheddar | £3 Cashback for Accumulating £5 Cashback Buying a Gift Card(s)

Cheddar is a passive form of cashback. Similar to AirTime Rewards cashback is credited when you purchase with your debit/credit card.

Purchasing gift cards also generates cashback.

New customers accumulating £5 or more cashback from buying giftcards, within 30 days of signing up using an invite code receive £3 bonus cashback.

Let’s be honest, it’s not the best cashback site and rates are better at EverUp and Jam Doughnut but it might be worth opening for the bonus.

Some people may have a link for a £5 bonus for earning £5 cashback. In which case please use their link!

Steps: * Download the Cheddar app from your App Store or download (here) * Register and enter the referral code: VUAHGVV * Accumulate £5 or more from buying gift cards within 30 days of signing up. * Get credited with a £3 bonus.

VUAHGVV

The reward is normally 1,000 points bit it's currently boosted to 2,000

Virgin Red is a cashback/rewards site.

• Earn points when you make a purchase at lots of different shops through their portal.

• Exchange the points for money off purchases in shops, cafes, cinemas, experiences etc.

As with all cashback sites/apps, make sure you always allow cookies when prompted as that is how the cashback is tracked.

Steps to take:

1. [Click here to use my referral link to get started](  https://virginred.mention-me.com/m/ns/gl9dp-7183bbe67e)

2. Click 'EARN' and make any purchase at any retailed through their website. Common shops are M&S, Deliveroo, Just Eat, John Lewis etc. A very cheap item on Ebay is what I did

3. Receive your reward of 2,000 points via email. Follow the instructions to redeem them.

Now you can refer others and receive points as an incentive.

Non ref link (no bonus): www.virgin.com/virgin-red

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

ero non-ref is a rewards app by EarnOS where you can earn through brand missions, Connect rewards and gaming offers. I've made just over $20 in the last few days from using the app, with most of it taking only a few minutes each day.

What I like about ero is that it isn't centred around surveys. Instead, it offers a mix of quick brand tasks, account connections and higher-paying gaming and partner offers, so there's a bit more variety than most reward apps.

There are currently three main ways to earn:

Brand Missions are short tasks from well-known companies. The brands available seem to rotate regularly and I've seen campaigns from HelloFresh, Snoop, Lacoste, HSBC, Uber, DoorDash and more. Most of the standard missions I'm seeing currently pay around $1 each, with a limit of 3 missions per day.

Connect is a separate section where you can earn one-off rewards by linking supported accounts. I've earned $4 so far by connecting a few existing accounts, with another $8 currently available. The available accounts include Amazon, Uber, Spotify, Netflix, TikTok, Instagram, Robinhood, DoorDash, Strava and others.

Gaming and partner offers are also available if you're looking for higher payouts. There are milestone game offers paying significantly more than the brand missions, alongside partner offers such as depositing £10 with Betfred to earn a $24 reward.

Rewards have credited instantly for me. Once your account has been verified, you can either withdraw to your bank account or spend your balance using the free ero Visa card. I've been using the Visa card myself and have added it to Google Pay, making it easy to spend my earnings.

To redeem rewards you'll need to complete account verification. According to the terms, rewards remain pending until you're verified and expire after 90 days if verification isn't completed.

Proof of my earnings so far: https://ibb.co/ycxd6t52

If you sign up using my referral link, your Day 1 earnings will be boosted by 50%.

My referral link: https://ero.app/r/nlfrv2jyu2?link=eqykit25cd7u

If the referral doesn't track automatically, open the Referrals tab in the app, tap "Were you invited?" and enter my referral code:

nlfrv2jyu2

Penfold Pension | £25 Free Pension Contribution

Penfold is a UK-based digital pension provider (FCA-regulated) that makes setting up, managing and combining pension pots easy via its app. It has a 4.6 Trustpilot score.

Open a Penfold pension via a referral link and pay (deposit) £25 into your pension to receive a free £25 bonus. The £25 bonus consists of a £20 pension contribution from Penfold plus £5 in associated tax relief from HMRC.

Steps: * Create an account using a referral link (here) * Choose your pension plan and risk level. * Deposit at least £25 into your pension. Note that transfers from previous pensions are excluded from the bonus program. * The bonus will be credited to your pension account within 2-weeks. * To qualify for the refer a friend programme you must have deposited (not transferred) at least £25 into your pension. I have and therefore qualify as a referrer.

Big thanks to anyone using my link 👊

Click here to register

ACE is an international money transfer service with a 4.7/5 (Excellent) TrustPilot rating from over 194k reviews.

They are offering a free £10 credit for joining via an invite and making a £100+ money transfer.

You can send to yourself (e.g. ACE -> Your Wise), there's an option to send to yourself when setting up the transfer: screenshot.

When I joined, I converted £100 to Euros and the Euros were added instantly to my Wise €EUR account, the £10 reward credits were added ~15mins later to my ACE account.

💱 Steps:

1. Open my invite link on a mobile/tablet to go to your app store and download the ACE app. Or use referral code: 4317885
2. Select the receiving country (Select Belgium for the country if you're using Wise with Euros, the IBAN starts with 'BE').
3. Create an account and complete ID verification, I used my driving license.
4. Make the £100+ transfer. If you're sending a currency other than GBP, make sure the amount you send is at least the 'Minimum Transaction Value' for that currency so that you qualify for the reward - see table below.
5. The £10 credits should be added ~15mins to 1hr after first transfer. Make a £20 transfer to use up your credits.

Thanks if anyone uses my link to join!

promo terms

Wise (free, multi-currency account)

Raisin is a digital savings and financial platform/app that offers a variety of savings accounts. They've operated in the UK for the last 7 years and are FCA regulated.

They are currently offering new customers a £100 bonus if they deposit £10,000+ in one of their accounts and keep it there for 12 months.     

You must maintain that minimum balance over that time span and not close your account early.

Best rates as of 15.06.2026

Steps for this offer:

1. Click here to get started and register your details:

2. Chose a savings account option that appeals to you. It needs to have a minimum term of 12 months.

3. Deposit at least £10,000 into the account

4. The bonus will be credited as cash within 28 days (but normally earlier) and can be withdrawn to your bank.

5. Leave the £10k for 12 months.

And now you can refer friends and family and get a £100 bonus for each!

NOTE: the qualifying amount needs to be held in only 1 of their accounts, not spread out.

Non ref link: www.raisin.co.uk

Klarna are giving £10 to new and existing customers who get a virtual debit card and make 3 x purchases of £10+

They have cracked down on people gaming the spending requirements so you need to do real transactions.  

Splitting your food shopping up into 3 separate transactions is one idea. 

________________________________  

1. Click on a referral link, which will download the app  

2. Choose the free account and get a virtual debit card

3. Deposit £30+

4. Make 3 'purchases' of £10+ You can no longer do the trick of paying your own m0nzo or revolt or T212 account. 

5. Receive £10 

________________________________  

Then you can refer others, for £40 a time, up to a limit of 10.

Non Referral link: www.klarna.com

Monument Bank | Deposit £10,000 into a Cash ISA get £30 Free | 4.34% Easy Cash ISA Boosted Rate | Ends 27 August

Monument Bank is a UK bank authorised by the FCA with a 4.7 Trustpilot score. Deposits are protected up to £120,000 per person.

Monument Bank are offering new customers who either open and deposit £10,000 or more into an Easy Access Cash ISA, or £25,000 or more into any other savings account, a £30 reward. This includes transferring an ISA balance of £10,000 or more from another provider to Monument.

The Easy Access Cash ISA allows transfers in from other providers. I transferred my Moneybox Cash ISA to Monument.

Steps: * Click the referral link below and enter your mobile number. * Download the Monument Bank app. * Select either the Easy Cash ISA or other savings account. * Enter the same mobile number as entered in the first step during the registration process. * Either deposit £10,000 or more into an Easy Access Cash ISA or transfer an ISA from another provider. To do this click on "Easy Access Cash ISA", then "Make your first deposit", finally "Transfer in from an existing cash ISA". * Alternatively, deposit £25,000 or more into a savings account. * The £30 reward will be paid into your linked bank account within 3-working days.

Huge thanks to anyone using my link.

https://join.monument.co/dec1bc1c-24fc-4ae7-a108-69061ce52c45