u/ApertureHelix

Penfold is a pensions provider with an intuitive, user friendly platform.

When you sign up via my referral link and contribute £25 into your pensions account, you'll get a £25 bonus in 2 weeks! Transfers do not count towards the £25 funding requirement.

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 | T&Cs

WorldRemit is a money transfer service. They are currently offering bonuses when you try them out!

You can qualify for both the Quidco and referral offer with the instructions below.

1. Sign up to Wise through a referral (DM for link) for a free transfer/physical card. Revolut does not work with this offer.
2. Open a Philippine Peso account on Wise.
3. Enable cross-site tracking and cookies on your mobile web browser.
4. Log in/Sign up to Quidco with a referral link (for extra bonus, DM for link) on your mobile web browser. Enable Quidco premium for larger (£40) cashback, you can downgrade after your cashback tracks.
5. Search for WorldRemit and download the app through Quidco. Allow cross site tracking and all cookies on the WorldRemit app. Quidco cannot track if you sign up elsewhere/with a referral link instead of a code.
6. When you sign up, enter my referral code REFER1CG4ULLB3BZD for a £10 voucher.
7. Transfer £30 in Philippine Peso from WorldRemit to your Wise PHP account. Use a debit card to avoid cash advance fees. Insert "0" as the receiver’s phone number. You will be charged a £1.99 transfer fee.
8. Your Quidco reward will be tracked within 24 hours and become payable within 6 months.

A £10 voucher will appear in the discounts section when your first transfer is complete. To redeem it:

1. Open a New Zealand Dollar account on Wise.
2. Apply the voucher and send the minimum amount (£30) to your Wise New Zealand Dollar account. Insert "Wise Payments Ltd. - New Zealand Br" as the receiver's address and "0" as the receiver’s phone number. It should cost £20.99 in total as you will be charged a £0.99 transfer fee.
3. You can then convert the PHP and NZD in your Wise account to GBP.

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

WorldRemit T&Cs | Quidco - WorldRemit | WorldRemit non-referral link

JamDoughnut is an app offering discounted gift cards. You can get £3 worth of points when you sign up with my referral link (Code: PFXB), and cash out as soon as you reach £10 cashback.

You can also use a cashback/rewards card to earn more cashback when purchasing gift cards on JamDoughtnut. Please let me know if you have any questions about this offer, I’d really appreciate if you use my referral!

Non-referral:  https://jamdoughnut.com

WhatNot is a live shopping marketplace, similar to eBay live. They are currently offering new customers a £25 bonus when you sign up through my link below! You can spend it on anything you like.

Their app is not the easiest to navigate, but thanks to their referral scheme, I've got a kilogram of high-quality British raw honey from Willow Park Honey for free (paid £3.27 for postage)!

Guaranteed £25 bonus link: https://whatnot.com/invite/aperturehelix

If you're savvy and know what you are doing, you can also buy silver Britannias, collectibles, or Pokémon cards and resell them for a profit.

PS. Many sellers offer flash sales when their stream is live. If something catches your eye, save it instead of purchasing right away; you'll be informed when the seller goes live and offers a flash sale/discount on postage if you enable notifications.

Non-referral link (no bonus) | T&Cs

Wise is a multi-currency money transfer service. It is essential for many money transfer offers on this subreddit, including Skrill (£10), WorldRemit (£46), Ace (£10), TapTap Send (£10), Remitly (£5) and Western Union (£10), because it allows you to create an ‘overseas account’ with a foreign IBAN number.

When you sign up with my referral link, you can choose between a free physical debit card or a fee-free transfer (up to £500 within 30 days). You may have to deposit £20 into your Wise account to verify yourself.

You can also refer your friends to Wise. Rewards vary; some may get £50-£100 for referring 3 friends who send over £200, others may get a smaller amount for each friend they refer.

Thank you very much for using my link!

Non-referral link

With Park Christmas Savings, you get a £20 bonus to be used towards a purchase when you sign up and save a minimum of £50 towards a gift card. Follow the steps below to try them out!

1. Sign up with my referral link. I can confirm that my account is sufficiently funded, which means your bonus is guaranteed to pay out if you sign up with my link!
2. Set up your account and select your gift card. You can adjust the default target later.
3. To change your target, select 'View Order' under 'Your Orders' in the sidebar on the left to adjust your order. You can then select a gift card in the online catalogue. I went for the Purple Card, with which I combined with NX and Airtime rewards for additional cashback.
4. Pay in £50 to qualify for the bonus.
5. You can request to have your gift card sent to you between September to November. Don't forget to get something nice for yourself!

It would make my day if you sign up with my link!

Please make a note of my username. If your referral failed to track, please send me a message for details.

Non-referral

T&Cs

FAQs

Get a £10 discount when you transfer money with Skrill via my referral link! You can simply exchange your money back into GBP to benefit from this offer.

To get your £10 discount:

1. Sign up to Skrill via my referral link
2. Transfer £100 to a foreign currency account, such as your Wise or WorldFirst Euro account.
3. A £10 discount will be applied before you pay.
4. When the Euros arrive in your Wise account, you can either spend it on your next holiday with the Wise virtual card, or exchange it back to GBP.

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

Non-referral
T&Cs

Everup is a cashback app offering gift cards, with three major advantages over Jamdoughnut.

1. You can pay with a debit/credit card instead of bank transfer without suffering a lower cashback rate. This allows you to get cashback and utilise 0% credit.
2. Your cashback can be used immediately after purchases; you do not need to wait until you get £10 in cashback (which can take months for most users).
3. Everup often has slightly better rates.

When you sign up to Everup with my referral link (code: RJUS1151033MPQPC) and earn £10 cashback, you will receive 10 Million 'coins', which can be swapped for cash through minigames.

Cashback+ (500K coins per spin) has been the most lucrative game for me thus far. In addition, you get £5 for every friend you refer!

Please let me know if you have any questions about this offer, and thank you very much if you have used my referral code!

Non-referral

T&Cs

Ace Money Transfer is a remittance app. They are currently offering a £10 bonus when you transfer £100. If you don’t need any travel money, you can simply exchange your money back into GBP to benefit from this offer. Here's how:

1. Sign up to Ace Money Transfer via my referral link and complete verification. If you are planning to transfer Euros to Wise or WorldFirst, choose 'Belgium' and 'Ireland' respectively as the destination. I recommend using the app since their website doesn't seem to work.
2. Transfer £100 to a foreign currency account, such as your Wise or WorldFirst Euro account. I used Wise.
3. When the transfer is settled, you can transfer £19 and apply the £10 bonus credit. The transfer should cost £10.99 in total since a £1.99 transfer fee applies.
4. When the Euros arrive in your Wise account, you can either spend it on your next holiday with the Wise virtual card, or exchange it back to GBP.

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

Non-referral

WorldRemit is a money transfer service. They are currently offering bonuses when you try them out! You can qualify for both the Quidco and referral offer with the instructions below.

1. Sign up to Wise through a referral (DM for link) for a free transfer/physical card. Revolut does not work with this offer.
2. Open a Philippine Peso account on Wise.
3. Enable cross-site tracking and cookies on your mobile web browser.
4. Log in/Sign up to Quidco with a referral link (for extra bonus, DM for link) on your mobile web browser. Enable Quidco premium for larger (£40) cashback, you can downgrade after your cashback tracks.
5. Search for WorldRemit and download the app through Quidco. Allow cross site tracking and all cookies on the WorldRemit app. Quidco cannot track if you sign up elsewhere/with a referral link instead of a code.
6. When you sign up, enter my referral code REFER1CG4ULLB3BZD for a £10 voucher.
7. Transfer £30 in Philippine Peso from WorldRemit to your Wise PHP account. Use a debit card to avoid cash advance fees. Insert "0" as the receiver’s phone number. You will be charged a £1.99 transfer fee.
8. Your Quidco reward will be tracked within 24 hours and become payable within 6 months.

A £10 voucher will appear in the discounts section when your first transfer is complete. To redeem it:

1. Open a New Zealand Dollar account on Wise.
2. Apply the voucher and send the minimum amount (£30) to your Wise New Zealand Dollar account. Insert "Wise Payments Ltd. - New Zealand Br" as the receiver's address and "0" as the receiver’s phone number. It should cost £20.99 in total as you will be charged a £0.99 transfer fee.
3. You can then convert the PHP and NZD in your Wise account to GBP.

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

WorldRemit T&Cs | Quidco - WorldRemit | WorldRemit non-referral link

Fuse Energy is an energy supplier with cheap tariffs and decent customer service (instant human replies via text). They are currently offering a £25 bonus per tariff when you sign up. Follow the steps below to get your bonus!

1. Get a quote on the Fuse Energy website or app.
2. Choose from the range of tariffs available (incl. smart EV and off-peak)*.
3. Enter my referral code: HO CHING76009 when you sign up, or in the 'add a referral code' section under settings to qualify for this offer
4. You’ll get your bonus once you’ve made your first payment, taken via direct debit on the 8th day of the month.
5. You can get another £25 bonus if you start exporting electricity and get more bonuses for each friend referred!

*A £50 early exit fee apply to fixed tariffs. If you're not sure about fixing, a variable tariff is also available.

Please let me know if you have any questions about this offer. I switched from Octopus using a referral on this sub and I'd really appreciate if you'd use mine!

T&Cs | Non-referral link

AJ Bell Dodl is a low-cost, easy to use investment app. Their refer-a-friend offer is ending in a couple of days. Get it while you can!

If you want to save it for later, you can sign up on or before the 31st of July. You'll have 120 days (by 28 Nov, not 30 Nov, sorry for incorrect title) to qualify for this offer.

1. Sign up with your email address through my referral link
2. Download the Dodl app and sign up for an ISA with the same email address.  You may also sign up for a LISA or a pension instead. GIAs do not qualify for this offer.
3. Deposit a minimum of £500 and make an investment (of any amount) within 120 days. You must have an active investment in your account at the time the reward is issued.
4. Once you've completed the steps above, you will receive an email about your reward within 30 days (usually sooner). You can select between a £30 Waitrose, Amazon, or Deliveroo gift card.

Please note that Dodl reserves the right to reclaim the voucher amount if you withdraw or transfer your deposit within 12 months.

Platform fees (funds and shares): 0.15%, £1/month minimum. There are no fees for holding cash.
Cash held in ISA and LISA accounts pay 3.80% AER interest.

When I was looking for an S&S LISA account, I found Dodl the most cost-effective platform. I am currently a regular user with >£500 in net funding, which means your gift card is guaranteed to pay out!

I’d really appreciate if you use my referral link. Please let me know if you have any questions about this offer!

Non-ref | T&Cs

Rakuten is a cashback site similar to Topcashback and Quidco. You can find plenty of retailers on their platform, including supermarkets and Ebay.

They are currently offering a generous refer-a-friend scheme. If you do not have the habit of shopping online, you can consider getting your groceries delivered/collected to qualify for the £25 bonus. For instance, deliveries from Sainsburys cost only £1!

To earn your £25 bonus:

1. Sign up via my referral link
2. Spend £60 (£50 ex. VAT) at any retailer except Amazon through Rakuten within 90 days. You must allow cross-site tracking and cookies to allow the cashback to track. If you return your purchases, they will not count toward the £60 requirement.
3. Your bonus will arrive within 90 days (usually within a month), which you may cash out to your bank or PayPal account.

Non-referral

T&Cs