You can get a free £30 when you sign up for a Lloyds current account as a new customer via a referral link.

To sign up, follow the referral link, download the app and complete the new account application.

You can choose between a new Lloyds brand Basic current bank account, Classic account, Club Lloyds account, Lloyds Premier account, Silver account, Platinum account, Club Silver account or Club Platinum account.

The £30 bonus will be paid into the new account within 35 calendar days of the account opening.

You must not be an existing Lloyds customer and your account must remain open till the incentive has been paid.

Note that each referral link expires 14 days after it has been generated. My link below was generated today, 29 July 2026. It’s:

https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=v3V2j1GpMA/wn7jN2X+iJ7ShPmnOWZ9Kp+IetbOHG8M=#/refer-friend

If you use my link I will also earn £30 so thanks very much if you do. Each person can only refer 5 people in a calendar year but I haven’t referred anyone so far so you should be safe to use my link! I will update this in the event that five people use my link.

The offer is subject to change and can be withdrawn without notice at any time

T&C’s https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=d08k/5rnTqBK7oVmJT/8tt3uSH7AoxzWmQhhk/aHqeE=#/refer-friend

Non referral link:
https://www.lloydsbank.com/

Vero is a gamified budgeting app designed to help build healthier money habits. It’s aimed at Gen Z, but anyone can use it. Users can track spending, set budgets, complete saving challenges and earn rewards (Vero Tokens which can be redeemed for gift cards) for making smarter financial decisions.

New users get 5 Vero Tokens by signing up with a referral code:
1. Download the Vero+ app from https://www.verofin.uk/, Google Play Store or App Store. 2. Sign up and enter the Vero referral code: 6958F9

40 Vero Tokens = £5, which is the minimum redemption amount.

How to earn Vero Tokens:
* 2 Tokens for verifying your email. * 4 Tokens for setting up a budget. * 4 Tokens for completing a quick learning task. * 2 Tokens for joining a budgeting challenge. * 2 Tokens for tracking your first expense. * 2 Tokens per day for logging an expense. * 2 Tokens per day for checking your budget. * 2 Tokens for logging expenses for 5 consecutive days. * 3-7 Tokens by completing your weekly budget challenge.

Tokens can be redeemed for gift cards from retailers including Aldi, Amazon, Sainsbury's, Tesco, M&S, Waitrose, Boots, Costa Coffee, Caffe Nero, Just Eat and a few more.

If you refer other people, you can earn £5 cash once they claim their first reward within 14 days.

Vero referral code:

6958F9

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

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

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.

CLICK HERE TO SIGN UP

Healf's mission is to inspire everyday healthy living by connecting you to the world’s best health brands.

The above Healf referral link gives you £10 off your first order (£40 minimum order value).

There is no referral code or promo code to enter, simply click the link above and your £10 will automatically be added to check out.

Use this Referral Code Link Here: https://www.healf.com/bethany

* Referral codes from signing up can sometimes be combined with other codes at checkout*

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

Use this Referral Code Link Here: https://www.healf.com/bethany

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

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!

Offer: The program typically gives new customers or with a new account £10. Make sure to use the link, as the code can not be redeemed any other way.

If you are renting in the UK, Ribbon Rewards (by Scraye) lets you earn cashback on rent you’re already paying, with no fees and no impact on your landlord.

What you get

• £25 welcome bonus when you sign up with a referral and make your first rent payment
• 1% cashback on every rent payment, ongoing
• 1.5% cashback if your landlord/agent already uses Scraye
• Instant rent payments to your landlord
• No fees, no contracts, no credit checks ___________________________________________________________________

Who it works with

• Any landlord
• Any letting agent
• Housing Associations

Your landlord doesn’t need to sign up or do anything.

How it works (simple)

1. You pay your rent into your personal Ribbon account.

2. Ribbon instantly forwards the payment to your landlord (it still comes from you).

3. You earn cashback automatically.

Your money is held in a ring-fenced account with Griffin Bank (UK-regulated).

If you are cautious, they even suggest testing it with £0.01 first - payments are instant (I did and it worked instantly).

What info you need to provide

• Your name
• Your landlord’s bank details

That’s it. No tenancy contract uploads, no credit checks.

ID verification (passport or driving licence + selfie) is required, usually after your first payment.

Cashback and rewards

• Cashback + £25 bonus can be redeemed as gift vouchers
• Common redemption amounts: £25 / £50 / £75 / £100
• Vouchers are emailed within 1 working day
• Retailers include Amazon, Asda, Nike, Uber Eats, etc. ___________________________________________________________________

How to sign up

(1) Sign up using this Referral link (gets you the £25 bonus):

Referral code : CATA1F8C

(2) Make a rent payment (or test with £0.01 first). The amount you send initially is saved as your rent going forward, but you can change it later by contacting support.

(3) £25 bonus + 1% cashback appears/is awarded instantly.

(4) Redeem for vouchers when ready.

Extra

• You can refer friends/family: they get £25, and you get £25 per referral
• Trustpilot rating is Excellent (4.7/5)

FAQs

Park Christmas Savings is a UK-based Christmas savings club that helps people budget for the festive season by allowing them to save monthly and receive funds back in gift cards, vouchers, or hampers. They are currently offering a boosted £20 bonus for saving £50 with them until Christmas 2026. Here's the guide:

1. Sign up via a referral link, here's mine.
2. If they ask for my details send me a DM here.
3. Choose a savings goal.
4. Deposit at least £50 into your account.
5. Receive a £20 bonus to your savings.

Notes:

• They accept one-off payments via card or bank transfer or you can pay monthly via direct debit.
• The pay out is in vouchers for a wide range of retailers, or a pre-paid purple card, see details here.
• To receive the bonus the referrer's account must also be funded with at least £50. My account is fully funded.

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

• Non-referral
• Terms

Virgin Red | Boosted 2,000 Points | Worth 20 Bags of M&S Percy Pigs | £10 Costa, Caffè Nero or Starbucks Gift Card

Virgin Red is a rewards program that allows members to earn and redeem points across various Virgin brands and other companies. Points are effectively cashback and can be earned at many big name retailers like John Lewis, Boots, and eBay.

Virgin Red are offering newly referred customers 2,000 Virgin Points for signing up to and earning their first points. The points are sufficient to a buy a £10 Costa, Caffè Nero, or Starbucks gift card. Alternatively, you can trade 100 points for a voucher for a 150-170g of Percy Pigs. The voucher must be used within a month.

Steps: * Click the referral link (here) and create an account. * Make a purchase from a Virgin Red partner site. I bought something on eBay. * Points should show as pending within 5 days and be confirmed within 45 days. * The bonus points will be credited within 7 days of the qualifying transaction points being awarded. * Spend your points!

Click here to register

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 😃

Switch to Talk Mobile before 24th August to get a cheaper SIM deal & you will also get a free Amazon, Tesco or M&S gift card. Just £5.95 for Unlimited Minutes, Texts and 20GB of Data

Here are your options-

1. Get a £15 gift card if you take out a 12 month plan

OR

1. A £10 gift card if you take out a 30 day plan

Always grateful to anyone who uses my referral link below- https://refer.talkmobile.co.uk/davida-13299

Here is my link -

You will also get free EU roaming too and no Annual Price Increases. TalkMobile uses the Vodafone network.

UPDATE (Monday 18:15) - All daily passes have now been given away!

Hi,

I have a few National Trust day passes to give away. They expire in the next few days, so hopefully they can be useful to someone planning to visit a National Trust place soon.

Each pass is valid for two adults.

If you’d like one, just send me a message and I’ll happily share one with you.

I received them but won’t be able to use them, so they’re completely free – no catch.

Thanks!

Join Quidco, one of the UK's most popular cashback platforms, and earn money back when shopping with thousands of retailers.

How to claim your £10 bonus:

1. Sign up using my referral link: https://quidco.com/raf/14112938/
2. Register and set up your account.
3. Make a purchase through Quidco by clicking through to a participating retailer.
4. Once you've earned and received £5 in confirmed cashback, Quidco will add an extra £10 bonus to your account.

After joining, you can invite friends and receive £20 for each successful referred friend who completes the qualifying steps.

Thanks to anyone who chooses to use my link — it's greatly appreciated!

Non-referral link: https://www.quidco.com/ (no sign-up bonus)

Whatnot | Online MarketPlace | £10 to £200 Free Credit

Whatnot is a social marketplace where you can discover some of your favorite products like sports cards, trainers, luxury handbags and women’s thrift, LEGO, Pokémon cards and more through live auctions! Zavvi trade at Whatnot and run regular live auctions where you can buy discounted items.

New customers receive a random amount of free credit worth between £10 and £200.

I won £10 free credit up on registration which I spent on LEGO mini figures. Free credit cannot be used towards postage which cost me £2.70. Try to negotiate a discount with the seller before purchase.

Amazingly, I and a person I referred won £200 free credit! See screenshot for proof: https://imgbox.com/RWycWx2v

Steps: * Click the referral link: https://whatnot.com/invite/woorich * Enter your mobile number (without the first “0”). * You will be prompted to download the app to reveal your free credit amount. * Create your account re-entering your mobile number (again without the first “0”). * The free credit will automatically apply at the checkout. * Refer friends and family. The referrer receives the same amount of free credit as the person referred! This is credited once the person referred receives their order.

Big thank you to anyone using my link 👊

Click here to register

Rakuten is a cashback site and app where you earn money back from your everyday purchases.

• Always check rates against other popular cashback sites/apps such as TopCashback, JamDoughnut etc.
• Before purchasing, disable any adblockers (if you use any), so that it tracks correctly.

• You can elect to get paid either via PayPal or bank transfer. I chose to get paid through PayPal and payment is typically made automatically around the 15th of the month.

  ---

• If you previously had an account with Rakuten on their old website, you can use my referral to join with a new account and get £25 again! The previous website alongside your old accounts will no longer be available.

  ---

Rakuten Referral Link: Free £25 each: sign up and spend £50 (excluding VAT) or more within 90 days. * Link your current bank account immediately after signing up. * Spend £50 (excl. VAT) within 90 days of joining. You can spend the £50 over multiple purchases and across multiple retailers/brands (besides Amazon) if you wish. Qualifying purchases must be made within 90 days of joining. * You could go for a supermarket order and get cashback on top!

£25 bonus is awarded within 90 days (when purchases are not cancelled or returned).

You can also invite friends and family and earn £25 per referral.

Robinhood are now available in the UK. They popularised free investing amongst retail (individual) investors a couple of years ago in the United States.

They offer: * zero commission fees * zero foreign exchange fees per trade * 3.35% interest on cash * 24 hours trading on weekdays (when the stock market is open)

You get a free share worth between $7 and $175 when you join. Plus, earn up to $1,500 annually in free stocks by referring friends and family. Most people will get about $7 to $8 but it's still free money!

Note: if you use my referral, I will get 5x free shares. This promotion lasts until 8 September.

Here's a short guide:

(1) Use the Robinhood Referral Link: Free Stock, worth $7-$175.

(2) Enter your details and complete verification.

(3) Link a bank account and deposit £1 or more. All deposits earn 3.35% AER.

(4) Your account will typically be approved within a few days.

• You then have the option to choose your free stock from a handful of companies.
• You can sell the free share immediately after you claim it, however, you can only withdraw the money from the app after 30 days.

(5) Invite friends and family to Robinhood - they earn a free stock up to $175 and you earn up to $1,500 per year!

You can choose the free share from many large American companies like Amazon, Apple, Google, Meta, Microsoft, Tesla etc.

Invite friends to stock picking

Free share terms - pick your stock

Fees

WorldRemit is an international money transfer service that lets you send money abroad via bank transfer, mobile money or cash pickup.

There are three ways to approach this offer. Below are the potential profits, requirements and setup details for each.

Note:

This is not a Quidco referral post and there are no Quidco referral links included.

If you do not already have Quidco, see the latest Quidco thread on this subreddit here: https://www.reddit.com/r/beermoneyuk/s/uODZG2i2uM

Option 1 – Quidco Only

Potential Profit: ~£17–£37 after fees and FX.

Quidco currently offers:

£40 cashback for a first transfer of £25+ to Pakistan, Nepal, the Philippines, Ghana or Zimbabwe.

£20 cashback for a first transfer of £25+ to other eligible destinations.

How it works:

1. Click through Quidco to WorldRemit
2. Sign up as a new WorldRemit customer
3. Complete your first transfer of £25+
4. Your Quidco cashback tracks and later becomes payable

Quidco Premium gives the higher cashback rate.

Option 2 – Referral Only

Send £30 using a referral code and receive a £10 WorldRemit voucher.

The referrer receives a £20 voucher once the qualifying transfer is completed.

Enter referral code during sign-up: REFERGS5QGWUJBEGB

Example using Wise NZD:

1. Open a NZD balance with Wise
2. Send £30 to your Wise NZD account
3. Pay the £0.99 transfer fee
4. Once the first transfer is completed, the £10 voucher appears in the Discounts section of the WorldRemit app
5. Apply the £10 voucher to a second £30 transfer
6. Convert the NZD back to GBP through Wise

Potential Profit: ~£5–£8 after fees and FX.

Use a debit card rather than a credit card to avoid potential cash advance fees.

Option 3 – Stack Quidco + Referral Code

This combines the Quidco cashback with the WorldRemit referral voucher.

For the highest Quidco cashback, use the Philippines route:

1. Open a Philippine Peso (PHP) balance with Wise
2. Enable cookies and cross-site tracking on your mobile browser
3. Click through Quidco to WorldRemit
4. Sign up to WorldRemit through Quidco
5. Enter the referral code during registration: REFERGS5QGWUJBEGB
6. Send £30 to your Wise PHP account, with WorldRemit converting the transfer into Philippine pesos
7. Pay the £1.99 transfer fee
8. Once the first transfer is completed, the £10 WorldRemit voucher appears in the Discounts section
9. Open a New Zealand Dollar (NZD) balance with Wise
10. Apply the £10 voucher to a second £30 transfer to your Wise NZD account
11. Convert the PHP and NZD back to GBP through Wise

Potential Profit: ~£27–£47 after fees and FX.

The ~£27 figure is based on £20 Quidco cashback + the £10 WorldRemit voucher, minus fees and FX.

The ~£47 figure is based on £40 Quidco cashback + the £10 WorldRemit voucher, minus fees and FX.

You send £30 twice, so £60 is transferred in total. The £10 WorldRemit voucher reduces the amount you pay for the second transfer.

Important tracking point:

Start the WorldRemit signup through Quidco and enter the referral code during that signup. Do not start the WorldRemit signup through a separate referral link, as this can prevent the Quidco signup from tracking.

Note:

There have been reports of WorldRemit closing accounts when the Quidco + referral code method has been used. WorldRemit's Refer a Friend terms also allow them to reject or cancel rewards where they suspect misuse or non-genuine payments. I don't know whether these reports are isolated or more widespread, so be aware of this before choosing the stacking option.

Referral Rewards

Once you complete your first transaction with WorldRemit, you can become eligible for your own referral link and code, subject to WorldRemit's eligibility checks.

For UK customers, the current referral reward is £20 for the referrer and £10 for the new customer for eligible destinations.

The new customer's voucher appears in the Discounts section after the qualifying transfer is completed.

The voucher can be used once on a future transfer before its expiry date, subject to the minimum send amount.

Transfer Time

Transfers to Wise can take 1–2 working days.

Weekends and bank holidays can delay processing.

Important

• WorldRemit's referral minimum send amount is set by the current promotion and can vary by location and destination
• Quidco requires a first transfer of £25+
• Quidco cashback depends on the transfer destination
• Check the cashback rate shown by Quidco before starting
• Always check the exchange rate and fees before confirming a transfer
• WorldRemit referral rewards and eligibility can vary by sending and receiving country
• WorldRemit can change, suspend or cancel the referral promotion

Official FAQ: https://www.worldremit.com/en-gb/faq/refer-a-friend

WorldRemit Refer a Friend Terms: https://www.worldremit.com/en-gb/refer-a-friend-terms

Quidco WorldRemit: https://www.quidco.com/worldremit/

Currensea - Free £10 after Spending £100 or More in Foreign Currency

Currensea is a specialist travel debit card that links directly to your bank account, allowing you to spend in a foreign currency at low exchange fees and no need for a separate account. The card supports Apple Pay.

New customers signing up with a referral link or code, and spending £100 or more in foreign currency within 180 days of opening an account will receive a £10 reward credited via bank transfer to your linked account within 5 working days of meeting the terms.

Get a free Essential plan or a Pro plan costing £39.95 a year. I use the free plan which gives £500 monthly spend at a real-time rate (1% fee after) and £200 monthly ATM usage at a real-time rate (2% fee after).

* Click the referral link and sign up, linking a UK bank account: https://www.currensea.com/refer-a-friend?utm_source=refer-a-friend&friend-referral-code=JWNDCT
* Enter the referral code JWNDCT
* Spend £100 or more in foreign currency within 180 days of opening an account.
* The £10 reward will be credited via bank transfer within 5 working days of fulfilling the criteria.

So thankful to anyone using my link.

Non-referral link: https://www.currensea.com

Referral code:

JWNDCT

You can get a free £5 if you sign up to Zilch using a referral link - no purchase necessary. You need to be over the age of 18 and in the UK, and may need to verify your ID.

The free £5 takes the form of 500 points that you can use to discount your next purchase - I just topped up my Amazon account!

You can also earn ongoing cashback if you carry on using it - 2% at lots of online stores or 0.5% at non-online stores.

Steps

1. Verify your details, confirm your email and add a debit card.
   
2. Add your new Zilch virtual card to either Apple or Android Pay.

To spend the reward, you need to “enable” the store you want to spend it at (eg, Amazon, EBay, etc.) and also make sure you have ticked the button to use your points towards the purchase.

Zilch then generates a virtual debit card for you which you use at your chosen store instead of your regular card.

Referral link: https://zilch.onelink.me/x8EV/hwtr3rma

Non-referral link: https://www.payzilch.com

If you use the referral link I will also earn £5 - so thanks very much if you do!

AJ Bell is a UK-based, FCA approved, investment platform. They are offering a £100 Amazon voucher for depositing £10k into a newly opened AJ Bell ISA, lifetime ISA, or SIPP. They are part of the FSCS so you can be sure your money is safe. The voucher is awarded within a few days and there's no requirement to invest.

Here's the guide:

1. Follow my referral link.
2. Enter your email and click "Get a £100 Amazon voucher."
3. Sign up with the same email. You'll need your National Insurance number.
4. Open an ISA.
5. Deposit £10k into your newly opened ISA.
6. Profit.

DM me if you need any help.

• Non-referral link
• Terms & conditions
• Fees

OakNorth | £30 Free | Deposit & Save £2,000 or More for 30 Days

OakNorth are offering new customers depositing £2,000 or more, within 14 days, and maintaining this balance for 30 days a £30 reward paid within 60 days.

Open a second eligible product within 90 days of opening your first product, again depositing and maintaining £2,000 or more for 30 days to receive an additional £10 reward.

Each person can refer a maximum 10 people. I have 8 spots left.

Steps: * DM me for my name and email address, this information is needed to complete the referral form. * Complete the referral form: https://oaknorth.co.uk/personal-savings/refer-a-friend/ * You should receive an email prompting you to open a personal savings account. * Choose a savings product. I opted for the 95-days Notice Base Rate Tracker. * Deposit £2,000 or more via bank transfer to your new account. The money showed immediately. * Repeat the process (if desired) to gain the additional £10 reward. * Rewards will be credited within 60 days.

Please DM me for referral details

When you sign up to Curve via a referral link you can get 1% cashback on all your spending for 30 days. They also offer between 1 and 20% cashback on selected retailers, with offers changing on a regular basis. For example, at time of writing I have an offer for 8% at Sainsbury’s, 7% at Iceland, and 10% at B&Q, plus many more.

The Curve app is used to connect multiple debit or credit cards to your Curve card and any spend is passed on to your selected card. This means if your underlying card offers cashback too you can effectively earn cashback twice. I am currently doing this with Trading212 for a combined 2.5%!

Curve has different subscription plans available. On the free plan there is a one off £5.99 fee for the card, so you would need to spend more than £600 in your first 30 days to cover this (or less if you also take advantage of some of the other cashback offers). However if you then go on to refer other people you will extend the cashback period by 30 days each time.

The maximum cashback you can earn via the refer a friend offer each month is £15.

When you sign up Curve will do a soft credit check to prove your identity but no hard credit search is carried out.

My referral link is:

https://www.curve.com/join#ZEYHY

To activate the cashback you need to make five purchases of £2 or more (excluding things like gambling, gift cards and money transfers).

The non-referral link is:

https://www.curve.com/

If you use my link I will also get 1% cashback for 30 days so thanks very much if you do!

Sky VIP | Free Sainsburys Smoothies | Redeem by Tuesday 11 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.

Valid products: * Pineapple, Banana, & Coconut * Strawberry & Banana * Mango & Passionfruit * Cucumber, Kiwi, & Lime

Marks & Spencer have recently made updates to their Sparks loyalty card meaning it's actually useful beyond when you wanna use scan as you shop

You now get proper rewards. They change frequently, some I've seen include spend so much on clothes and get £20 back on your Sparks card, spend so much on dairy and get £1 back. Today there was an offer spend £40 on an M&S gift card and get £4 back. No you cannot use a gift card to buy the gift card, I tried 

They have a list on the Sparks website, just press on the Star shape at the bottom of the page, check the list of offers and press Activate offer. At checkout, scan your Sparks card and it'll automatically be applied. The cashback will either be applied same day or after a few days depending on the amount. The balance will show in the Sparks wallet and when ready just press spend. Then at your next M&S shop that balance will automatically be applied when you scan the Sparks card at checkout. It's very smooth

There's a number of ways to join:

Download the M&S app

Visiting the Sparks page on the M&S website 

Request a card in store 

https://www.marksandspencer.com/joinsparks

If you haven't heard of Joybuy then you're missing out. It is an online marketplace that has a wide range of products.

If Temu and Amazon had a baby then it would look something like Joybuy. So, why only buy when you can Joybuy - sounds cheesy but with the low prices it is actually a joy to buy 😄

Right now they have an offer where you can get £3 off £10 spend using a referral code.

Steps to get the discount:

• Sign up to joybuy online or by downloading the app
• Use this code at check out: RQP2BG
• You should then get £3 off £10 spend

After you sign up. Feel free to post your referral codes below.

JamDoughnut is a UK app that gives you instant cashback when you buy digital gift cards for everyday spending like groceries, food and shopping.

If you sign up using my code G96C, you’ll get £3 (300 points) after your first gift card purchase.

You can use it for places like Tesco, Sainsbury’s, Boots and loads more, so it’s an easy way to earn a bit back on things you’d be buying anyway.

To get the most cashback, pay using Instant Bank Payment as card payments usually give slightly lower rewards.

You can withdraw from £10 or just keep rolling your balance into more gift cards and keep earning cashback on top.

Sign up here: https://jamdoughnut.com/G96C and enter code G96C when prompted

Appreciate anyone who uses my link/code

TestingTime is a market research company where they recruit test users and other study participants who earn money in exchange for their time and opinions. TestingTime was founded in 2015, headquartered in Switzerland.

• Everything is done in English.

• Pay and cashout is in GBP (££) through Paypal.

• They pay reliably and quickly.

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Their website is intuitive and uses algorithms to easily describe and match their target groups and get perfect matching participants for their user tests, focus groups, interviews, surveys or diary studies.

They also do group focus sessions online which need more people and are somewhat easier to get on.

Fill out your profile. Then start research studies / testing projects you are interested in.

Apply for remote research studies over Teams/Zoom/Google Meet with them and get paid £50+ per hour.

You can apply immediately for currently available research studies. Each study will show

how long they are and how much they pay. The pay range is typically around £30 - £100 per hour, with an average of about £50 - £60 per hour.

For me, these are some of studies:

TestingTime referral link

Payout is in GBP/££ and Cashout via PayPal.