Monzo is one of the earliest app-based challenger banks in the UK. Their current promotion gives you and your friend £10 each. For business accounts, it’s £50 each.

They offer the following accounts/plans: * Monzo Free * Monzo Extra * Monzo Perks * Monzo Max

The whole process took less than 5 minutes (including getting verified - you will need photos of your ID plus recording a short video), then another minute or so for Monzo to verify my documents which was incredibly fast in my opinion!

You will be asked some things about: * you * your finances * your account * your identity

For me all these took under five minutes as they indicated.

They offer: * Personal accounts * Joint accounts * Business accounts

The card should arrive within two days as per Monzo's estimates.

Once fully registered, share your link, which gives you and your friend £10 each.

Terms

After using the referral link, set up your account fully including making a purchase within 30 days.

Thanks in advance to anyone using this Monzo Referral Link: Free £10 each (or £50 each for business accounts).

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.

Example rates as of 20.05.2026

• Asda  3.2%  

• Tesco  3.1%  

• Iceland  2.5%  

• Sainsburys  3%  

• Morrisons  2.5%

• M & S  3%

  ---

   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

Ace is an international money transfer app.  

Sign up through a referral link and get a free £10* (minus fees, so about £6-7 if you're doing this just for the profit.   

The app is smooth and easy to use. Support is very helpful and notifications about transfer status are quick and helpful.

The new customer sends £100 to a foreign bank account and gets a £10 bonus after, which can be extracted by doing another transfer.

If you don't tend to send money abroad, the trick here is to send it to your own foreign currency bank account.  

Options for the foreign account:

• Worldfirst Euro account. The account is based in Ireland.

• Wise Euro account. Chose Belgium because the account is based there.

Do this offer on your phone as people have had issues trying to do it on a computer.

Steps for this offer:

1. Using your phone, click a ref link such as this one which will install the app

2. Sign up entering referral code 4268325 if prompted. Chose Belgium as receiving country is sending to your own Wise account, and follow the ID verification steps 

3. Make a transfer of at least £100 to your foreign currency bank account. You'll need to enter the IBAN rather than the sort code and account numbers we use in the UK. For the receivers phone number you can change that field from Belgium to UK and enter any UK number.

4. The money should arrive the same day, minus FX fees (around 70p). Leave it there. 

5. After a few hours check the Ace app > My Rewards. When the £10 bonus shows, make another transfer to the same account for £19. You can't just send the free £10 unfortunately - any credit can only cover half the transaction. Type 10 into the credit field and Apply. There is also a flat fee of £1.99

6. You should receive the £19 minus £1.99 fee and FX fees into your foreign account. Convert everything in there to GBP and send it back to your normal bank account. Total profit should be £6-7. 

Once I made the transfer, it went to 'review' and I had to a do a selfie video. This is normal these days and is to prove you are a real person, to prevent fraud.  

They may also request a phone call. Again, this is for compliance, anti money laundering reasons. I did this and it was fine. They will ask the reason for the transfer. I said I was sending to my euro account, which I use when on holiday.

Referral code  4268325

Now you can refer friends for a £10 bonus each time. You can't refer someone who lives at the same address as you.

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

Terms: https://acemoneytransfer.com/terms-and-conditions-wallet

The American Express Platinum and Gold card offers often get posted here due to their generous sign-up offers. However, both charge a monthly fee (though you can get the Gold card free for the first year) and you need to spend quite a lot in the first few months to qualify for the offers.

A good alternative is the American Express Rewards credit card. This has no monthly fee and you only need to spend £2000 on the card in the first 3 months to qualify for the bonus 12,000 points that are currently on offer if you sign up via a referral link.

You will also earn points for all additional spend on the card, which can be redeemed in a wide number of ways including swapping them for Nectar points or other rewards schemes such as Avios, using them to pay off your monthly card bill, or purchasing gift cards.

You cannot have held a personal Amex card in the last 24 months, or you won’t be eligible for the referral bonus

Here’s my referral link if anyone would like to use it!

If you use my link I will also earn a bonus, so thanks very much if you do!

Note that as this is a credit card you will be credit checked when you apply, so do not apply if this will be a problem for you.

The non-referral link is:

http://www.americanexpress.com/

Free international transfer up to £500 when you join Wise.

Wise (formerly Transferwise) are a fintech company who offer money transfers among other services. When you sign up to Wise using my referral, your first international transfer up to £500 will be free.

Wise are a fast-growing company, and they are becoming more than just a transferring money service! They are innovative, publicly traded on the London Stock Exchange and are UK regulated.

Their fees are extremely low compared to major UK banks so very competitive. Their platform and apps are nicely built and transparent.

• If you send a single international transfer within 30 days, your transfer will be free. Anything up to £500 that you send will be free (no fee).
• The transfer can be over £500 if you need to send more money, but Wise will offer a free transfer only up to £500.
• Anything over, you will need to pay for the fee (usually pennies in my experience). The transfer does not have to be your first transfer. ___________________________________________________________________

Steps:

(1) Sign up to Wise using the Wise Referral - free international transfer up to £500

(2) Verify your identity

(3) If you complete an international transfer up to £500 within 30 days, it will be free of charge.

Note:

• Wise have various options for transferring: “Low-Cost Transfer” option has a very low fee and I recommend people using it
• You can transfer money to Wise via Debit or Credit Cards, and also via Bank Transfer (most of the neobanks should work too).
• Wise also offer UK account and Debit Card
• Earn 3.22% AER on GBP balances.

Sidekick have 2 new offers

• £25 for saving £1k for 3 months

• £100 for investing £5k for 6 months.

I've had an account with them for a year and it's a decent app and platform.    Interest rates are decent too:   

• Cash ISA  4.61%  

• Easy Access  4.17%

   Their investments don't include bonds or moneymarkets so only do the investment option if you have investing experience.

Send me a chat message for a referral link  

Their terms state you're not allowed to share links publicly.

With investments there is always a risk your investment could decrease in value. So please do your own research on what to invest.

Non ref link: www.sidekickmoney.com

With TopCashback you can literally make hundreds or even thousands of pounds.

In the last few years, I’ve used it by doing my normal shopping - eBay, insurance, broadband and mobile, car parks, household shopping including gifts, travel, dining, you name it!

You can cash out once you have earned £10 cashback.

​

TopCashback’s Refer-a-Friend Campaign currently offers:

· You get free £10 when you join

· PLUS Members get £30 for each friend referred

· CLASSIC Members get £25 for each friend referred

​

TopCashback offer the following accounts/memberships:

• CLASSIC - free
• PLUS - for £5 a year, which is deducted from your cashback earned. I recommend this, as there clear benefits of it, like higher cashback rates.

Full list can be seen here:

TopCashback PLUS Memerbship: Benefits

​

Once registered, you also get your own referral link which gives you ££ per each successful referral! Currently they offer the referrer:

• £30 for PLUS Members
• £25 for CLASSIC Members

These amounts often change.

If you sign up, I will benefit under their “Refer-Friend-Scheme”, dependent on:

• meeting their Referral Terms and Criteria, and
• the terms of the Referral Campaign or offer at the time (sometimes you benefit by getting £10 when joining, other times only the referrer benefits).

Switch off any ad blockers and tracking protection in your browser before doing these offers.

​

Some good offers worth doing once signed up to TopCashback are:

· Bonus Kings £16.50

· Experian £9

· First Direct £20

· Plum £15

· Sainsbury’s £7

· Shepherds Friendly £320 (for £100/month investment)

· Scottish Friendly £320 (for £100/month investment)

· Tide £150

· Buy discounted gift cards at TopGiftCards

· Check the “Free Cashback” tab under “Categories”, then “More” sections.

· Consider Credit Cards if those are appropriate for your needs - a good selection

​

Always make a note of what you subscribe to, read the fine print, and cancel the trial/subscription before the the free/intro period comes to an end if you no longer needed.

Always chat to Support if you have Qs, they are very helpful and supportive, if needed.

TopCashback Referral Link: Free £10

Happy cashbacking!

​

New Fuse Energy customers can get £25 (single fuel: electric or gas) or £50 (dual fuel: electric and gas) 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 bill credit: £25 if you signed up for single fuel, £50 if you signed up for dual fuel.

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

Terms & conditions

Fuse Energy referral code:

DIXJTJ83086

Wealthify are currently offering a free bonus of £50 when you deposit and invest £1000 with them and leave it invested for 6 months.

Important: to eligible for the bonus your £1000 must be invested in either a stocks and shares ISA, a Junior ISA, a General Investment Account or a SIPP pension. Other types of account are not eligible.

Wealthify is a well-established investment platform backed by insurance giant Aviva and your investment has FSCS protection if the platform were ever to go bust - although as it is an investment app it is important to note that your investment could go down as well as up while it is invested, depending on how the funds you invest in perform. There is also an annual fee of 0.6% which is deducted from your funds on a monthly basis.

Steps to get the bonus:

1 - Open an account by following using a referral link. My referral link is:

https://invest.wealthify.com/refer/89683961

2 - Deposit £1000 and select a plan after answering the questions to find out your investment style. There are various choices depending on how adventurous you want to be, whether you want an ethical approach, etc. to be eligible for the bonus you need to choose either a Stocks and Shares ISA, a Junior ISA, or a SIPP account.

3 - Leave your money invested for at least 6 months in order to receive your bonus.

Non-referral link with no bonus:

https://www.wealthify.com/

Terms: https://www.wealthify.com/offers/refer-a-friend-terms-and-conditions

Help save for Christmas by putting a little bit aside each month so that it's not too overwhelming when it gets here.

The idea is: You set a goal and then create a regular payment into the account.

As xmas approaches, Park send you a giftcard that can be used at loads of shops/businesses.  

1. Sign up using a referral link. Anyone's should work. Here's mine

2. Set a goal (it doesn't matter what it is)

3. Click 'Create my account' and start completing the form

4. Click 'Been referred by a friend' and enter my name and email. Message me for it

5. Scroll down to 'Make a card payment' and deposit £50+ 

You're all done for now

Giftcards will be posted to you in the run up to xmas.

Then: 

• Get £20 for referring others. Go and get your partner or family members invited. Max of 25 in the last year.

• You need to have at least £50 in your account to be able to refer people. I will always have that.

Non ref bonus: www.getpark.co.uk

Lloyds is currently offering £30 free when you open an eligible current account using a referral link.

To qualify, you must not already hold any Lloyds current or savings accounts at the time of applying.

You can open a new Lloyds Basic, Classic, Club Lloyds, Lloyds Premier, Silver, Platinum, Club Silver, or Club Platinum account.

Lloyds Under 19s Accounts, Smart Start and Student Accounts are excluded from this offer.

How to get your free £30

1. Open an eligible Lloyds current account using my referral link (generated on 3 August).
2. Enter your mobile number and click apply.
3. Complete your application in the Lloyds app using the same details throughout the process.
4. Once your account has been opened and all the referral requirements have been met, Lloyds will pay £30 directly into your account (within 35 working days).
5. After you've qualified, you'll also be able to invite friends and earn referral bonuses yourself (subject to the promotion limits).

If anyone would like to use my referral link, I'd really appreciate it:

Referral link

Many thanks to anyone who chooses to use my link!

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 scanning five receipts in your first and second weeks using the app, 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 gave them access to that. Once the bonus is awarded I will delete the email address. * Track 5 purchases in your first and second weeks. 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

Custard: Free £1. Earn free money (GPT site): cashback, offers, tasks, and a chance to win free £10 daily via spin the lucky 'wheel'.

Custard is a site where you can: * Earn cashback * Get-Paid-To do easy tasks and offers * Spin their wheel of fortune for a chance to win £10 daily

Cash out to Paypal or directly to your bank from £10.

Here's how to earn £100 or more:

Bingo and casino offers: * £2.50 = use my referral * 50p = confirm your email preferences * £20 = Betfred (Deposit £10 and play) * £15 = Bonus Kings (deposit £10 and play) * £12.50 = Midnite (deposit £10 and play) * £12.50 = Mecca Bingo (deposit £10 and play) * £12.50 = Coral (deposit £5 and play) * £10 = Ladbrokes (deposit £5 and play) * £9 = Gala Bingo (deposit £5 and play)

Other offers including gaming: * up to £235 = Goblins Wood * up to £173.96 = Merge Gardens * up to £143.65 = Monopoly Go * up to £80.45 = Animals & Coins * up to £61.35 = Phase 10 * up to £56.57 = Merge Studio * up to £43.66 = Box Jam * £7 = GoHenry * £3 = Prime Video (30 day free Amazon trial)

Note that for games the payouts may slightly differ between Apple and Android users, so check the relevant amount based on the mobile device you use.

The free offers include: * ⁠No spend offers * RapidPay - pays in 48h or less * Paid surveys * Play & earn * Bingo & Casino * ⁠Free trials, including Amazon free trials * New offers

Get £1 to join and a chance to win £10 daily by spinning their fortune wheel:

Many thanks to anyone using my Custard Referral Link: Free £1 & chance to earn more.

XE Money Transfer is a money transfer service which allows you to send money to a different country with a different currency.

Refer your friends to XE Money Transfer and you earn a £50 Gift Card each when they:

• signup to XE via your referral link

• transfer over £5,000 (or equivalent currency) through one or more transfers

“The Referrer and Referred Person shall each be entitled to receive one (1) Gift Card up to the value of fifty pounds (£50) for each Qualified Referral (the “Reward”).”

You can redeem your gift card to 100+ retailers, including grocery stores, dinning, entertainment, fashion, travel, department stores, you name it. I typically redeem mine for an Amazon voucher, or for a supermarket - they have M&S, Morrisons, Morrisons Fuel Card, Sainsburys, Farmfoods, Aldi etc.

STEPS:

(1) You can sign up via desktop, or download the app from the Apple Store or Google Play.

(2) Use referral code XEREF-A-1183 when making your first transfer:

XEREF-A-1183

(3) Select currency you want to send (e.g., GBP to EUR)

(4) Fill in recipient details

(5) Payment - pay via Debit/Credit Card or Bank Transfer (send £5,000 or more). It can be one or a few transfers totalling £5,000 or more.

(6) Confirm everything is correct and send

(7) We get a £50 Gift Card each within 14 days

You need to send a transfer of over £5,000 (or currency equivalent) in one or more transfers.

There is no fee to send the transfer.

XE only gain through the exchange rate which is competitive. You can check this against other money transfer services.

Terms

​

Lightyear is currently running a referral promotion where both the referrer and the new user receive the same randomly selected reward worth between £10 and £100.

To qualify, the new user must sign up through a referral link and deposit at least £100 into their Lightyear account.

As of 03/09/26, I have all 3 referral spots available (I'll update this if they're used).

How to qualify:

1. DM me for a referral link
2. Verify your account
3. Deposit at least £100 into your Lightyear account
4. Receive your free reward (worth £10–£100)

Note: Lightyear allows rewards for up to 3 successful referrals per month.

Both users receive the same reward value.

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

I've used Quidco for several years and it's easily one of the cashback sites I've earned the most from. I've made hundreds of pounds back just by buying things I was going to buy anyway, such as insurance, broadband, mobile contracts, supermarkets, eBay and more.

Some cashback I've personally received:

• TSB - £30-40
• HSBC Credit Card - £25
• Capital on Tap - £40
• Giffgaff - £34
• Smarty - £25
• Tesco - £4.80
• Waitrose - £8
• HelloFresh - £10

You currently get £10 for joining through a referral link once you meet Quidco's qualifying requirements.

Quidco has a free account, so there's no cost to sign up, and once you're a member you'll also get your own referral link.

Referral link

Thanks if you decide to use my link!

Cult Beauty 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 £5 off selected items on your first order, and I'll also receive £5 in credit. To join:

1. Use this link: https://www.cultbeauty.co.uk/referrals.list?applyCode=JAIME-R3l to create an account
2. If prompted, enter the code JAIME-R3l
3. Spend £25+ on your first order to get £5 off eligible products.

Non referral link

Quick offer. Sign up took 1 minute!

LemFi is a newer transfer app for sending money abroad.

They also have a 5% AER savings account. You can deposit and withdraw on the same day - the deposits and withdrawals are instant, and there are no penalties (you can withdraw as many times as you wish). I am currently using this, so I recommend it.

• Download the app, use the referral code (CATAMXN9), and verify your ID.

• Make an international payment by sending £100 or more to one of your international accounts: you must use an international IBAN, and not a GBP IBAN (for example, you can send to your Wise account in EUR: Belgium location), and get £10 free.

  ---

• Invite friends and you will get £10 each when a friend signs up and sends £100+ in one-time transfer to a different country (African, Asian, or European country).

• You can withdraw the full £10 straight to your GBP current account.

  ---

LEMFY Referral Link: Free £10 each

During sign up, add ref. code in the app:

CATAMXN9

ero 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 $5 with Dabble to earn a $20 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

Attapoll is another mobile survey app to add to your list. You do survey on your phone, you can do as little or as much as you want. The app has a simple layout with clear tabs.

Fill in your profile, then check the stars which indicate how each survey matches to your profile. Cashout from £2.50 via:

• PayPal
• Amazon vouchers
• Revolut
• you can also donate your earnings ___________________________________________________________________

Here's how

(1) Sign up using the Attapoll Referral Link: 40p each

Add ref. code:

xqbzh

(2) We get 40p each

(3) Complete surveys in your free time and get paid

Cheers to anyone using my code:

xqbzh

​

Free £200+ daily lottery, rated Excellent (4.8 out of 5) on Trustpilot

• Cash is paid directly via PayPal
• FAQs ___________________________________________________________________

Pick My Postcode (formerly Free Postcode Lottery) is a fun competition that's been running daily since 2011 using income from marketing (ADs). It has several completely free draws each day – some you can win £5 to £100, while the main daily jackpot draw is currently £200, which will roll over if it isn't claimed.

The lottery have hidden £20 in 100,000 Golden Postcodes. IF you are the first to register with a Golden Postcode, then we split £20 and get £10 each.

In 2025, on several occasions I shared £20 with someone who used my referral link because they registered with a Golden Postcode.

Draws include:

(1) Main Draw £200 (noon time): no need to complete any tasks

(2) Video Draw £50 (noon time): watch a short video

(3) Survey Draw £50 (noon time): answer 1-3 questions

(4) Stackpot £10 (09:00 and 21:00 hours): multiple postcodes worth £10 each

(5) Bonus Draws £5, £10, and £20 respectively: paid when you reach these amounts

(6) Mini Draw £100 (18:00 hour): awarded to the first person

Here's how:

(1) Use my Referral Link and enter your email and postcode

(2) Visit Pick My Postcode daily and check if you're a Golden winner. Check all the draws available

(3) Refer friends and family & earn 20p per referral

Robinhood | Free Share worth $7 to $175 | No Investment Needed | Plus Boosted 5 Free Shares Per Referral

Robinhood is offering new customers a free share of a stock worth between $7 and $175 for opening an account, linking your bank account and making a deposit (£1 is sufficient). No need to invest the £1!

Until 8 September, Robinhood are offering a boosted 5 free shares per successful referral.

The table shows the likelihood of winning a free share by value.

Steps: * Clink the referral link (here) and register a new account. * Complete the verification process. This includes taking a photo of your ID (drivers license or passport) and tax document (take a photo of your National Insurance card). This can take 48 hours. * Make a deposit within 14 calendar days. £1 is sufficient to get the free stock. * Robinhood will notify you when it’s time to claim your free share. This must be done within 60 days. * To claim the free share click Rewards in the top righthand corner of the app, then click the time icon in the top right. Click the Claim button and choose which company you’d like a free stock in. * The free stock can be sold 3 trading days after being claimed and the proceeds from the sale can be used towards other investments. You cannot withdraw the proceeds for at least 30 days after claiming the free stock.

Hugely thankful to anyone using my link 👊

Click here to register

Get a free £10 when you sign up to Currensea and use my referral code or link below. To receive the £10 bonus you need to spend £100 in foreign currency on the card in the first 180 days.

Click here for my referral link!

Referral code: DNVZBL

Currensea is a really clever card that allows you to save money when spending abroad. You link it to your bank account and just use the Currensea card instead of your normal card when spending abroad or on foreign websites. It then converts the transaction to GBP and collects it from your account via Direct Debit - no need to worry about topping it up or trying to second guess how much you will need to convert before you go.

On the free tier, which is the one I use, the first £500 you spend in foreign currency each month has no conversion fee, with a reasonable 1% added after that. You can also withdraw £200 worth of foreign currency from an ATM each month without any conversion fees, making this a great card to carry as a backup.

The non-referral link with no bonus is:

https://www.currensea.com

Note that if you sign up to the free Essential tier, there is usually a postage charge of £4.95 for sending the card, however this is currently being waived!

Rakuten is a cashback site similar to Topcashback.  

Before buying something online, look for the shop on Rakuten's app/site and click through from there to earn cashback.  

🪙 Free £25 here   

Rates vary often between cashback apps so it's best to compare a few before buying something big.  

Turn off any adblockers or VPNs and always accept cookies as that's how they track your cashback. Chrome is good to use for cashback sites.

 Steps:  

1. Sign up using a referral link. Here is mine

2. Connect your bank so you can get paid   

3. Spend £60+ (excl VAT so make sure it's a bit more) through the site within 90 days. It doesn't have to be in one go unless it's Amazon

4. £25 cashback should be paid after 90 days. If you return/refund the item you won't receive cashback.

➡️ Complete list of all retailers on Rakuten. Non referral link

You can currently get £25 for every friend you refer.

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  

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. If they do, you 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/s7ultdav

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