u/Antic-Clay

TheFork is a restaurant booking platform where you can make a reservation and get up to 50% off at your favourite restaurants! Although not every place offers a discount, it is always worth checking if your next restaurant does. For example, Barrafina in London offers 20% off when you make a reservation through TheFork.

Discounts are applied straight onto your bill, and you can also earn loyalty points ('Yums') for additional discounts.

When you sign up to TheFork app and use code 'B2C4D023' for your first booking, you'll get 1000 'Yums', which can be used to save £20 at over 3000 partner restaurants. A minimum spend of £30 is required before the discount applies.

You must not have made a booking on TheFork in the last two years to be eligible for this offer. The 'Yums' will be credited to your account 3 days after the date of your visit.

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

Octopus Energy is a renewable energy provider offering competitive prices, great customer service, and several perks, including free weekly coffee at Greggs and Caffè Nero.

When you join Octopus Energy with my referral link and pay your first direct debit, both of us will receive £50 credit!

You might save even more with specialist tariffs including Tracker, Agile, or Octopus Intelligent Go. No exit fees apply for fixed plans.

You can also pay the bulk of your bills with a credit card (including AMEX) and email them to change your direct debit amount to £1. This is helpful for accumulating rewards, fulfilling bank switch spending requirements, and utilising 0% credit.

Please take a screenshot of your referrer, since Octopus may ask for details if the referral fails to track.

Non-referral link

Wealthify offers automatically managed investment funds with various levels of risk. They are offering a generous £50 bonus - a guaranteed 5% return - when you invest £1000 for 6 months!

To get your bonus:

1. Open a Stocks and Shares ISA, GIA, Junior ISA, or Self-Invested Personal Pension (SIPP) via my referral link. My S&S ISA is sufficiently funded and I can confirm that I am eligible to refer. Cash ISAs are excluded from this promotion.
2. Choose your plan. I chose the 'adventurous' plan, with a 0.77% fee. The returns so far has closely resembled popular global equity ETFs like FWRG and ACWI.
3. Fund your account with £1000 or more. You must stay invested for 6 months to qualify for the bonus.
4. £50 will be added to your account within 30 days after you have qualified.

Hopefully, your investment will have grown when your bonus arrives! I'd really appreciate if you'd sign up with my referral link!

T&Cs

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OakNorth bank is currently offering bonuses to new customers who sign up through a referral. Here is how you can qualify:

1. Send me a DM for my details and fill in this referral form.
2. Sign up to OakNorth. It is very convenient with no liveliness checks required.
3. Open and deposit £1000 in a new account within 14 days.
4. You'll get a £30 bonus when you maintain your £1000 deposit for 30 days.
5. To get the additional £10 bonus, you'll have to keep another £1000 for 30 days in a second account. Your second account must be open and funded within 90 days of signing up.
6. Your bonuses will arrive 60 days after you've qualified.

I opened the Easy Access Tracker and the 95 Days Notice Account. For the latter, I made a withdrawal right after depositing, which will allow me access my deposit in 95 days.

If you do not want to lock £2000 away all at once, you can withdraw everything from your first account (leave a token amount just in case) after 30 days and deposit into a second account to qualify for the £10 bonus.

Please let me know if you have any questions. I'd really appreciate if you choose to sign up through me!

Referral form
T&Cs
Non-referral link

OakNorth Bank is a FSCS protected digital bank based in the UK. They are offering a £30 bonus to new customers who sign up through a referral, deposits £1000 and maintains the balance for 30 days, and an extra £10 for repeating the same process with another savings account. Follow the steps below to qualify!

1. Send me a message to be referred.
2. Sign up to OakNorth (no ID/selfie verification).
3. Within 14 days, select and maintain a £1000 deposit in an account for a £30 bonus. I chose the Easy Access Tracker Account, with 4.14% boosted interest and next-day withdrawals.
4. Within 90 days, select and maintain a £1000 deposit in a second account for an additional £10 bonus. I chose the 95 Days Notice Account, with 4.12% interest. I scheduled a withdrawal of the full deposit the next day after depositing into this account, so that it would arrive as soon as the bonus is paid out. You may also choose other Easy Access accounts or ISAs.
5. Your £30/£10 bonuses will arrive within 60 days after you've qualified.

Please let me know if you have any questions about this offer. I'd really appreciate if you could sign up through my referral!

Referral form | T&Cs | Non-referral link

Ribbon Rewards (also known as Scraye Rewards) is a free cashback platform operated by Scraye, an estate agency. You do not have to rent through them to enjoy 1% cashback, but if you do, you get 1.5% instead.

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

To sign up:

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

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

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WorldRemit is a money transfer service. They are currently offering a generous referral reward and cashback on Quidco when you give them a try!

When WorldRemit was on Topcashback, I received rewards from both the cashback and referral offer, although it was stated otherwise in the T&Cs. Currently, only Quidco offers cashback for WorldRemit.

If you transfer money to the Philippines, Nepal, Ghana, or Zimbabwe, you'll earn ~£47. Otherwise, if you follow the instructions below, you'll receive ~£27 in profit after fees (£1.98) and FX spread (~£1).

1. Sign up to Wise through a referral link (DM for my link) for free transfers. You may need to deposit £20 to verify yourself. Revolut will not work for this offer.
2. Open a New Zealand Dollar account on Wise.
3. Enable cross-site tracking and cookies on your mobile web brower.
4. Log in/Sign up to Quidco (with a referral link for an extra £10, DM for my link) on your mobile web browser. Enable Quidco premium for a larger profit, you can downgrade after your reward tracks.
5. Search for WorldRemit and download the app through Quidco. Allow cross site tracking and all cookies on the app. Your sign up will not be tracked on Quidco if you sign up elsewhere/with another link.
6. When you sign up, enter my referral code REFER1CG4ULLB3BZD (Pastebin Link) for a £10 voucher.
7. Send £30 in NZD from WorldRemit to your Wise NZD account. Use a debit card, since cash advance fees may be incurred if you use a credit card. Insert “Wise Payments Ltd. - New Zealand Br” in the receiver’s address. Insert "0" as the receiver’s phone number. You will be charged a £0.99 fee.
8. A £10 voucher will appear in the discounts section when your first transfer is complete. Apply the voucher and send the minimum amount (£30) to your Wise NZD account. It should cost £20.99.
9. You can then convert the ~£60 worth of NZD in your Wise account to GBP.
10. Your Quidco reward will be tracked within 24 hours and become payable within 6 months.

Please comment below if you have any questions. I'd really appreciate if you use my referral code REFER1CG4ULLB3BZD !

WorldRemit T&Cs | Quidco WorldRemit Landing Page/T&Cs | WorldRemit non-referral link

Topcashback is the largest and arguably the best cashback platform, with incentives for thousands of retailers and financial products. In a span of 7 months, I have accumulated over £1000 from applying to bank accounts and investment products on Topcashback, and so can you! They are currently offering a £10 bonus when you sign up through my referral link and earn £10 in cashback.

Qualifying deals include:

• Bank Accounts: Santander (£75+£20), TSB (£40), Tide (£150), First Direct (£40-£60+ £175 switch bonus),
• Investments: Shephards Friendly and Scottish Friendly (£300+ each), Charles Stanley (£150)
• Retail: Tesco, Waitrose, Sainsburys etc. (£10-£11 each)

I'd be happy to help if you have any questions about Topcashback or its offers. If you found my guide helpful, I’d really appreciate if you would sign up through my referral link!

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Penfold is a pensions provider with a simple, easy to understand platform. Their refer-a-friend programme currently offers £25 when you sign up via my referral link and contribute £25 into your pensions account!

Your £25 bonus will arrive in 2 weeks. Hopefully, your £50 pension would have grown significantly by the time you retire!

If you have any questions, please do not hesitate to comment below!

Penfold non-referral

Penfold T&Cs

Quidco is a popular cashback platform supporting over 5,000 retailers and financial products. I always compare offers on Quidco and Topcashback for the best deal.

When you sign up with my referral link and earn £5 cashback, you'll get a £20 bonus! You are guaranteed to benefit even if you do not have the habit of shopping online.

In addition, Quidco offers a premium plan with even better rates, at the cost of £1 every month you earn cashback. It is usually worthwhile and if not, you can always downgrade to the basic plan with immediate effect.

Qualifying deals include:

• Bank accounts: TSB (£30), Santander, First Direct (£45)
• Credit cards: HSBC (£35), MBNA, M&S
• Groceries: Sainsbury's (£1 delivery)
• Money transfer: Worldremit (£20-£40, more with referral code)

Thank you if you decide to sign up through my referral link. I'd be happy to help if you have any questions about Quidco.

Non-referral link

Snoop is a fintech app that allows you to track your savings and expenditure across multiple bank accounts. Follow the steps below to get a £5 Amazon voucher for giving them a try!

1. Enable cookies and cross site tracking on your web browser to ensure that your referral tracks.
2. Download the Snoop app via my Referral Link.
3. Link one or more bank accounts to Snoop for 28 days.
4. Once you've qualified, you will receive your Amazon voucher via email.
5. Get additional £5 Amazon vouchers when you refer a friend. If you refer 5 friends before 30 September 2026, you will get an additional £25 voucher.

I'd really appreciate if you can use my link. Please do not hesitate to comment below if you have any questions about this offer. I would also recommend taking a screenshot of your referrer, in case your referral did not track.

T&Cs | non-referral link