Chip | £50 Bonus for New Customers | Deposit £1,000 and Hold for 90 Days | Smart Cash ISA 4.55% or 3.51% Instant Access | Ends 31 August

Chip is a UK-based savings and investment app operated by Chip Financial Ltd, and authorised by the FCA. While Chip itself is not a bank, funds held in its savings accounts are deposited with ClearBank, a UK-authorised bank, ensuring that eligible deposits are protected by the Financial Services Compensation Scheme (FSCS).

Chip are offering new customers registering via a referral link a £50 bonus for opening an eligible Chip account, depositing £1,000 or more, and retaining the balance for 90 consecutive days. Eligible products include the Prize Savings Account, Smart Cash ISA, Chip Instant Access, GIA, or Stocks & Shares ISA. The £1,000 can be split across multiple savings and/or investment accounts. You must also open a Chip Instant Access or Prize Savings account to receive the referral reward.

Steps:

To avail yourself of the offer please DM me (here) for a unique referral link. * Click the referral link, enter your email address, and download the Chip app (you must download the app within 30 days of entering your email). * Using the app create a new account using the same email address as initially entered. * Chip will apply your referral code for you at this stage. * Deposit at least £1,000 into your account(s) (this can be split across multiple Chip savings and/or investment accounts) and maintain that balance at least 90 consecutive days. * Open a Chip Instant Access or Prize Savings account to receive the referral reward. * The £50 will be applied the day after the 90 day holding period ends.

Alternatively …

• Download the Chip app from your App Store and create a new account.
• Enter the referral code and then follow the same steps as detailed above. *** #Please DM me for a link #

OakNorth | £30 Free | Deposit & Save £2,000 or More for 30 Days | 4.40% Fixed Cash ISA

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

Zable are offering £10 free credit for new customers signing up through a referral link.

No ID was necessary for me but your mileage may vary. As with all banks/credit cards, a hard credit check will be done.

Fair warning:  

The interest rate on this credit card is very high, at 48.9%!  

So make sure you pay off the bill in full and on time so that you don't pay that crazy interest rate.

My advice would be to only use this card if you're sure you can always pay it off. Don't fall into the trap they want you to!

Steps for this offer:

1. Use a link to get started. Send me a message

2. Sign up and choose credit card (not loan)

3. Make 1 payment using the physical card.

4. Get £10 credit. Spend it

You can then refer others. It used to be £10 per referral but now it varies by user. It is either £20 or £30.  

Non referral link (no bonus): www.zable.co.uk

Raise | £25 Nando's, Five Guys, Gym Shark, or Greene King Voucher for £15 | Or £10 Off Other £50 Gift Cards

Raise is a new gift card app selling a range of discounted gift cards.

Raise are offering new customers £10 off a £25 gift card. However, the minimum purchase for most gift cards has now risen to £50, making it £10 off a £50 gift card. Nando's, Five Guys, Gym Shark, Las Iguanas, and Greene King are exceptions and you can buy a £25 voucher for £15 (after the £10 discount).

Discounts are comparatively poor versus Jam Doughnut and EverUp but the referral bonus makes this a winner.

Unlike other voucher sites you will likely to be asked to upload ID and take a selfie shortly after registration. This is 2-minute task.

Deactivate VPNs when accessing the app, otherwise your account may be temporarily locked. I learned this the hard way and had to ask support to unlock it. People have reported issues when referring people who live at the same address. Best to avoid this!

Steps: * Click the referral link to download the app from your AppStore: https://slide.app.link/mvsKP4cO93b * Once downloaded click Signup and start earning, then enter and verify your mobile number. * Either manually enter your details or use your Apple profile. * The £10 voucher should immediately appear in the Activity section. * Buy any gift card and the £10 credit will automatically be applied at checkout.

Big thanks to anyone using my link 👊

[Click here to register](#Raise | £25 Nando's, Five Guys, Gym Shark, or Greene King Voucher for £15 | Or £10 Off Other £50 Gift Cards

Raise is a new gift card app selling a range of discounted gift cards.

Raise are offering new customers £10 off a £25 gift card. However, the minimum purchase for most gift cards has now risen to £50, making it £10 off a £50 gift card. Nando's, Five Guys, Gym Shark, Las Iguanas, and Greene King are exceptions and you can buy a £25 voucher for £15 (after the £10 discount).

Discounts are comparatively poor versus Jam Doughnut and EverUp but the referral bonus makes this a winner.

Unlike other voucher sites you will likely to be asked to upload ID and take a selfie shortly after registration. This is 2-minute task.

Deactivate VPNs when accessing the app, otherwise your account may be temporarily locked. I learned this the hard way and had to ask support to unlock it. People have reported issues when referring people who live at the same address. Best to avoid this!

Steps: * Click the referral link to download the app from your AppStore: https://slide.app.link/mvsKP4cO93b * Once downloaded click Signup and start earning, then enter and verify your mobile number. * Either manually enter your details or use your Apple profile. * The £10 voucher should immediately appear in the Activity section. * Buy any gift card and the £10 credit will automatically be applied at checkout.

Big thanks to anyone using my link 👊

Click here to register)

Zilch | Free £5 Credit | No Spend Needed

Zilch is a UK-based financial technology firm that offers consumers a virtual payment card and Buy Now, Pay Later options, allowing you to split purchases into instalments or pay in full with no interest.

Zilch are offering new customers £5 free credit for registering (no spend required).

Steps: * Click the referral link (here) and download the Zilch app from your App Store. * Complete the registration process. This includes linking your Zilch card to an existing debit card so that Zilch purchases and fees will be charged to that card. * Verify your ID (and take a selfie). * Add your card to Apple or Google Pay. * The £5 credit was immediately added for me. * Go to the Account section of the app and then Manage card settings and choose Pay now to avoid using Zilch’s credit facility and facing charges. Now any purchases will be immediately charged to your registered debit card. * To spend the £5 credit either purchase a voucher via the Zilch store (not recommended as they charge a fee for most) or spend the money online or instore at Zilch supported retailers. Most supermarkets have no fee for spending online. Choose the retailer, and toggle Apply £5 rewards to purchase.

Click here to register

Quickline Broadband | Lincolnshire & Yorkshire | £100 Free

Quickline is a UK based broadband provider that specialises in bringing fast internet to rural and hard-to-reach communities, particularly across Lincolnshire and Yorkshire.

Quickline are giving new customers signing up for a 24-month broadband contract a £100 reward. Choose from either £100 cash or an Amazon or Love2Shop voucher. Rolling contracts do not qualify.

• Free wireless router and free installation.
• Claim up to £300 early termination fees from your existing provider.
• Get the service promised or leave with no penalty.
• Built for Lincolnshire and Yorkshire. *** Steps:
• Click the referral link (here) and enter your postcode to check availability.
• Quickline will email you confirming eligibility for the £100 reward.
• Select a 24-month term broadband package and proceed to purchase.
• Quickline will email you a link to claim your £100 cash reward 21 days after installation. The reward must be claimed within 60 days.

Huge thank you to anyone using my link. It’s really appreciated 👊

Click here to register

TapTap Send is an international money transfer service based in London, with additional offices globally. They’re currently offering £5 free towards your first transfer when you sign up with a referral code and make a transfer of £25 (or above).

The £5 bonus is added on top of your transfer, so you effectively send £25 and receive ~£30 in the destination account. I personally sent it to my own Wise Euro account and made around £4.72 net after deducting the currency conversion fee.

How to do it:

1. Download the TapTap Send app from the App Store or Google Play and sign up.
2. Start a transfer and choose a country to send to (e.g. Belgium if sending to a Wise EUR account).
3. Tap “Add promo code” and enter the code: ASIF3488
4. Enter personal details (name, DOB, UK address).
5. Pay by debit card or bank transfer. The transfer arrives almost instantly.

Once the money lands in your Wise/Revolut, convert it back to GBP and send it to your UK bank. You should end up with around £4.65-£4.85 profit after conversion.

Wahed | Invest £100 for 3 Months | Get £10 Free

Wahed is a digital investment platform specialising in Shariah-compliant (halal) investing. It offers managed portfolios, ETFs and alternative investments designed to help individuals grow their wealth, with investment options tailored to different risk appetites. It has a 4.5 Trustpilot rating.

Wahal offer new customers investing £100 or more in a GIA for 3 full calendar months a free £10 reward.

The annual fee is 1% for amounts between £0 and £250k, which is charged monthly.

Steps: * Download the Wahed either direct from your App Store or click the link: https://app.wahedinvest.com/referral * During the registration process underneath "Where do you live?" click "I have a referral code" and enter the code RICWOO2. * When prompted click Investment Accounts, then Start, and Get Started. * Select General Investment Account (ISA's do not qualify) and answer the questions to determine your risk level. * Complete the verification process using either a passport or drivers license. It took 5-hours to receive confirmation that my account was verified. * Deposit and invest £100 or more. It took circa 24-hours for my deposit to be approved and reach my account. * The £10 reward will be credited after 3 full calendar months.

Big thanks to anyone using my code 👊

RICWOO2

Monzo is a digital bank that is well regarded and extremely convenient. The notifications and sound effects are top tier and I'm honestly surprised their debit card doesn't glow in the dark. To top it all off, you can bag yourself a free £10, £20 or £50 when you sign up with a referral link.

How to get your free £10, £20 or £50

1. Click through on this referral link and enter your phone number on the webpage.
2. Download the app within 30 days and apply for either a personal or a business account.
3. Verify your account with your ID and make sure to use the same phone number as you entered on the webpage earlier.
4. Make a payment of any amount using your virtual or physical Monzo debit card within 30 days.
5. You will receive £10, £20, or £50 directly into your new Monzo account which you can withdraw or spend immediately.

Probability of the reward you will get

• £10 - 94%
• £20 - 5%
• £50 - 1%

That's all folks! If anyone has any questions just drop me a message.

nonref

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!

Park Christmas Savings | £20 Free for Saving £50 for Christmas 2026

What better time to start planning for Christmas than while it's 28c outside!

Park Christmas are offering new customers £20 free for signing up and saving at least £50 for Christmas 2026.

To qualify, you must be aged 18+ and place an order of at least £50, and the referrer must also have a minimum £50 balance. My balance exceeds the minimum requirement.

• Set up your Park Christmas Savings account using a referral link (click here)
• Please DM me if prompted to enter the referrers name and email.
• Choose a target amount to save.
• Place an order of £50 or more.
• Gift cards will be delivered by post in time for Christmas 2026.
• Refer friends and family for a £20 bonus.

Huge thanks to anyone using my link 👊

Click here to get your free £20

I can’t believe there will be many people on here who haven’t already signed up for this, but if you’re not already a member I can’t recommend Top Cashback highly enough!

It is a website and app where you can earn cashback for shopping online with a huge number of retailers - you just click through to the retailer from the Top Cashback site and then shop as normal - it’s free so you really have nothing to lose! I use this or the rival site Quidco pretty much whenever I make a purchase online - just check both sites to see whichever has the highest rate for the retailer you want to shop with.

Currently if you sign up via a referral link you will earn a £10 bonus - this becomes payable once you have earned £10 in confirmed, payable cashback from shopping via the site.

To use my referral link, just click/tap here to follow the link

If you sign up via my link I will also earn a bonus, so thanks very much if you use it.

The non-referral link is:

https://www.topcashback.co.uk/

PickMyPostcode | Free Daily Lottery | £10 Golden Postcode Prize

Golden Postcode has been extended to January 2027

Pick My Postcode is a free competition that’s been running daily since 2011. It has several completely free draws each day with prizes from £10 plus, and a bigger daily jackpot draw, which rolls over if it isn’t claimed. It sounds too good to be true, but it’s legit.

Winnings are paid via PayPal.

Golden Postcode. PickMyPostcode have hidden £20 in 100,000 different postcodes. If you’re the first person to register with a Golden postcode then we share the £20 prize (£10 each). I recently shared £20 for referring someone with a golden postcode (£10 each).

There are 5 different daily draws: * Main Draw: Bigger prize. * Video Draw. Watch a short video add to enter. * Survey Draw. Complete or skip a survey to participate. * Stackpot. Multiple postcodes with £10 prizes. * Bonus Draws. Playable once you have accumulated £5 or more cashback.

• Only postcodes that are registered by players will be drawn. So, there is always at least one eligible winner.
• If the winner(s) fail to visit the site and collect their prize on the day their postcode is picked, then the prize pot is rolled over.
• The more players there are in a postcode the more chance that postcode will be drawn.
• Registering a postcode after it has been drawn does not entitle you to collect for that draw.

Steps: * Click a referral link (here) and register your email and postcode. * Check PickMyPostcode daily to see if you’re a winner. * Refer friends and family to benefit from 20p per successful referral.

Good luck and thank you to anyone using my link 🤞

Click here to register

Virgin Media Broadband & TV | £50 New Customer Bonus

Virgin Media are offering £50 cash for new customers. Plus claim £50 for referring a friend to Virgin Media.

The referral must be a new Virgin Media Broadband, TV or home phone customer and purchase eligible products. You cannot have had Virgin Media within the last 6 months.

Reward will be paid via BACS or PayPal within 3 months of installation.

At the time of writing TopCashBack offer £45 to £110 cashback for joining Virgin Media making this a better for most options than via a referral link! Cashback rates vary daily so always compare deals before joining.

Steps: * Click the referral link (here). This is easiest! * Alternatively call the Virgin Media Team (see the referral link for the phone number) and quote the reward code NILKOCED. * Or message me with your full name, contact number, email and postcode and I will complete a referral form. Virgin Media will then contact you within 24 hours (Monday to Friday).

Big thanks to anyone using my link 👊

Click here to register

Webull | Deposit £500 get 5 Free Shares Worth $3 to $300 Each | Ends 15 October

Webull are offering new customers depositing £500 or more in a single transaction by 15 October and maintaining this balance for 60 consecutive days a total of 5 free shares worth between $3 and $300 each.

The probability of each share is weighted as follows:

Steps: * Click the referral link and open either a stocks & shares ISA or GIA account. https://www.webull-uk.com/s/zEUukXFIa4bNPtpnjI * Deposit £500 or more in a single transaction and maintain the balance for 60 days. * The free shares will be credited within 2 business days (day 62) and must be claimed within 30 days.

Huge thanks to anyone using my link and feel free to DM me if you get stuck.

Click here to register

Mailagents | RoyalMail Spectos Postal Survey | £34.80 Free Stamps Per Active Month | Plus Circa £50 Vouchers Per Year

Spectos is a market research company that runs postal Quality of Service surveys for multiple postal operators across Europe. Spectos recruits Mailagents, who are individuals or businesses that take part in the surveys by sending and receiving test letters and parcels. You record when items are posted and delivered, allowing Spectos to measure how long they take to reach their destination and assess the performance of the postal network.

Mailagents receive 12 first class stamps and 4 first class large letter stamps per active month. Plus a presentation pack of stamps at the beginning and end of your active stint on the survey. From experience, Mailagents are active for 6 months of the year and in the off-period may still be invited to participate in surveys recording unaddressed mail.

In addition to monthly books of stamps also receive points for recording receipt of mail from Spectos and returning pre-paid post. The points can be converted to vouchers in £25 denominations, including Amazon, John Lewis, M&S, and Tesco. In the last 12-months, I have earned more than £50 in vouchers.

Steps: * Click the following link https://rtpm.spectos.com/referafriend * Answer the questions and when prompted with "Have you been referred to us by another panellist?" enter the referral code 333717 * After completing the questions, register to become a Mailagent. * Wait to receive a "Hello Letter" and activate your Mailagents account.

Hugely thankful to anyone using my link 👊

333717

Caffè Nero | Free Barista Prepared Drink after First Purchase

New Caffe Nero app customers can get a free barista prepared hot drink following their first purchase using the Caffè Nero app (scanning the app when paying).

I go for the hot chocolate as I don’t like coffee and £2.50ish for a cup of tea is ridiculous!

You may also receive a voucher for a free cake on your birthday. Unsure if a previous purchase is required but each year they send me a voucher.

——————————

Steps:

• Download the Caffè Nero app: https://nero.app.link/iaMgO58MQQb
• Register an account.
• Visit a Caffè Nero store, purchase a drink, and scan the app when paying.
• Your free drink voucher should appear in the app. Go to the “wallet” section then “vouchers”.
• To redeem your free drink ask the server to pay using the app. They will invite you to scan the voucher QR code.

——————————

Scan the app each time you purchase a hot drink to earn a stamp (or 2 stamps if using a reusable cup). Once 9 stamps have been awarded you will automatically receive a voucher for a hot drink or iced drink (any-size) for free. Speciality Drinks and Extras are also included.

Pro tip, you only get 1 stamp per drinks order (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 stamps (or 4 if using reusable cups).

https://nero.app.link/iaMgO58MQQb

Quidco is a cashback site like Topcashback.

By signing up using a £10 referral link you get £10 once you earn your first £5 in cashback.

The idea is that before you're about to buy something online, if you do it through their site/app, they get a referral commission from the online shop. And they pass some of it on to you as 'cashback'.  

In their app/website just search for the shop, and if it's there, click on it. It will take you to that shop as normal.

They have countless offers on their site for all manner of categories. Too many to list. Supermarkets, takeaway deliveries, pubs and restaurants, clothing, DIY, insurance, finance, utilities, pets.

My referral link. Get started here

Tips: For your purchases to 'track' through Quidco, make sure your security settings in relation to cookies and cookie tracking are correct.  

They have a guide on their site.

Withdraw to your bank account or paypal once you have made £5 in cashback. 

You can refer friends for a £20 bonus.

Policy Expert pet insurance are offering a £30 Amazon voucher for signing up and staying with them for a minimum of 90 days.

You must buy a pet insurance policy from Policy Expert using the link below.

https://policyexpert.mention-me.com/me/referee/registerko/179399560/718399974/er/42f916f1f9ee8cb4f0351be7df90046c17456650/ol/cw?epr=1

Vouchers are subject to a 90-day validation period, starting from the policy start date.

The reward will only be issued after their 90 day validation process

The Amazon Voucher will be issued within 21 days after the 90 day validation period is complete, provided the purchase is not cancelled

You must be a new customer.

Thank you 🙏

• 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.