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u/ApertureHelix

r/beermoneyuk r/breadandhoney r/bookquotes r/FreemoneyUK r/MakeMoneyInUK
▲ 8 r/beermoneyuk

PSA: Klarna new T&Cs, no longer worth it

Klarna has sneakily edited the terms of the referral offer, it is not clear when it came into effect. Now, to qualify, new users must sign up to a paid membership and hold it until the renewal date.

The net profit/loss for the user being referred is as follows.

Membership Tier Referral Bonus Membership Price (First 2 Months) Net Profit/Loss
Everywhere £6 £5.98 £0.02
Plus £13 £10.98 £2.02
Premium £25 £27.98 -£2.98
Plus £40 £61.98 -£21.98
reddit.com
u/ApertureHelix — 12 days ago
▲ 6 r/beermoneyuk

IG (UK investment platform) | Get a £50-£1000 free share when you invest £1000!

IG is an investment platform currently offering a generous refer-a-friend bonus. Follow the steps below to qualify!

  1. Send me a message to be referred. According to the T&Cs, referral links must not be shared in public. I can confirm that my account is older than 3 months and I am therefore eligible to refer. If your referrer's account is less than 3 months old, you may not receive your bonus! Please check with your referrer before signing up to avoid disappointment.
  2. Open a Share Dealing (not Smart Portfolio) account and submit a W-8BEN form.
  3. You must open a GIA to receive the free share. However, you can also invest in an ISA or SIPP to qualify for this offer.
  4. Deposit and invest at least £1000 within 30 days. For low risk and volatility, IG offers money market funds and ultrashort bond funds. You must stay invested for 3 full calendar months.
  5. You will receive your free share in your GIA once you have qualified.
  6. Get £100 for each friend you refer (up to 10 every month)!

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

T&Cs

Non-referral link

u/ApertureHelix — 12 days ago
▲ 6 r/beermoneyuk

Webull | Deposit £500 for 5 free shares!

Webull is an investment platform offering new users 5 free shares. It takes only 10 minutes to sign up. Follow the steps below to qualify!

  1. Sign up with my referral link
  2. Download the Webull app and apply using the same details. 
  3. Deposit £500 once your account is open.
  4. Optional: You can deposit your money in an easy access or notice account on the platform.  That way, your deposit will be protected by the FSCS and earn interest.
  5. After 60 days, you can redeem your 5 free shares in the 'My Rewards' section.
  6. Optional: Opt in to Webull Meridian for £0.01 per month for lower execution and FX fees. You can downgrade anytime you like to avoid paying £5 per month when the promotional period ends.
  7. You can hold or sell your free shares whenever you wish.

Please let me know if you have any further queries. Thank you if you have signed up with my link!

Non-referral | T&Cs

reddit.com
u/ApertureHelix — 12 days ago
▲ 1 r/breadandhoney

Modern Milkman | 50% off groceries for two weeks (milk, eggs, butter, smoked salmon, fresh produce, baked goods etc.)

Modern Milkman is a delivery service for local produce. They are currently offering a generous 50% for two weeks when you try them out through my referral link!

You can snatch up some bargains with the 50% discount, including:

  • £2.05 for 12 eggs
  • £3.00 for 6 eggs and John Ross smoked salmon (100g)
  • £2.40 for John Ross smoked salmon (100g)
  • £1.60 for 3 pints of milk
  • £0.73 for Roberts Thick White/Wholemeal Bread (800g)
  • £1.22 for a block of butter (250g)
  • £2.50 for Annabel's Deliciously British Strawberries (500g)

They deliver up to three times a week arriving before 07:30 pm, and occasionally before midnight. The smoked salmon is packed individually into insulating pouches with an ice pack to ensure it is still cold by the time you collect your order.

Thank you for using my link and please let me know if you have any questions about this offer. I hope you enjoy your delivery as much as I did!

T&Cs | Non-referral link

reddit.com
u/ApertureHelix — 14 days ago
▲ 14 r/beermoneyuk

Quidco | Get £10 when you earn £5 cashback (£200+ worth of opportunities for cashback)!

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

You'll get a £10 bonus When you sign up with my referral link and earn £5 cashback. You are guaranteed to benefit even if you do not have the habit of shopping online.

In addition, Quidco offers a premium plan with better rates, at the cost of £1 every month you earn cashback. It is usually worthwhile, but you can always downgrade to the basic plan with immediate effect if you’d like to.

Qualifying deals include:

  • Bank accounts: WorldFirst (£100), TSB (£30), Santander, First Direct (£45)
  • Credit cards: HSBC (£35), MBNA, M&S
  • Groceries: Sainsbury's (£1 delivery)
  • Money transfer: Worldremit (£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 this offer.

Non-referral link

u/ApertureHelix — 2 months ago
▲ 4 r/beermoneyuk

Ribbon/Scraye Rewards | Get 1% cashback on rent and a £25 gift card when you sign up!

Ribbon Rewards (also known as Scraye Rewards) is a free cashback platform owned by Scraye Technologies LTD., an estate agency. If you do not rent through them, you’ll get 1% cashback. Otherwise, you’ll 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, simply make a transfer 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, you’ll receive 2500 points (£25) plus 1% cashback, which can be used to redeem gift cards (incl. Amazon, Sainsbury’s, Morrisons, Asda, John Lewis, Nandos, Deliveroo, Uber Eats, Ryanair, Eurostar, Apple & Nike).
  5. Your gift card will be sent to you via email within one day (usually within minutes).

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

Non-ref

reddit.com
u/ApertureHelix — 2 months ago
▲ 12 r/beermoneyuk

Penfold Pension | Get a £25 bonus when you contribute £25 towards your pension!

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

u/ApertureHelix — 2 months ago
▲ 5 r/beermoneyuk

WorldRemit | Transfer £60 to yourself for a ~£46 net profit!

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

u/ApertureHelix — 2 months ago
▲ 12 r/beermoneyuk

JamDoughnut | Get a £3 free bonus when you purchase discounted gift cards!

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

u/ApertureHelix — 2 months ago
▲ 7 r/breadandhoney+2 crossposts

WhatNot | Guaranteed £25 credit to spend

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

u/ApertureHelix — 14 days ago
▲ 8 r/beermoneyuk

Wise | Essential account for money transfer offers (worth £80+)

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

u/ApertureHelix — 2 months ago
▲ 8 r/beermoneyuk

Park Christmas Savings | Boosted | £20 bonus when you save £50!

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

u/ApertureHelix — 2 months ago
▲ 1 r/beermoneyuk

Skrill | £10 discount (~£8 net profit) when you transfer £100!

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

u/ApertureHelix — 2 months ago
▲ 1 r/beermoneyuk

Monument Bank | Get a £30 bonus (paid next day) when you deposit £10000 in an easy-access cash ISA!

Monument Bank is an established, FSCS protected digital bank offering high interest saving accounts. Their current promotion offers a £30 bonus when you deposit £10000 in an easy-access flexible cash ISA before the 13th of May 2026.

To get your bonus:

  1. Register with my referral link.
  2. Download the Monument Bank app and sign up with the details. No ID needed!
  3. Deposit or transfer either £10000 into your Easy Access Cash ISA (3.74% AER variable) or £25000 if you open other types of accounts.
  4. You will receive your £30 bonus within 3 working days (usually next day)
  5. You may maintain, withdraw, or transfer your deposit once you receive your bonus.

T&Cs | Non-referral link

reddit.com
u/ApertureHelix — 2 months ago
▲ 13 r/beermoneyuk

Everup | Get 10M coins and competitive cashback on gift cards!

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

u/ApertureHelix — 2 months ago
▲ 6 r/beermoneyuk

Ace Money Transfer | ~£7 net profit (£10 discount) when you transfer £100!

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

u/ApertureHelix — 2 months ago
▲ 3 r/beermoneyuk

Rentd. | New offer | 1% cashback on rent, £50 for each friend referred, and up to 3% debit card cashback

Rentd. is a fintech lettings platform. They have recently launched a cashback debit card. Sign up through my referral link to try them out!

Perks include:

  • 1% cashback when you pay rent (through BACS transfers) through Rentd. This can be stacked with Zilch for additional cashback.
  • 1%-3% cashback on debit card spend (requires £500-£1500 monthly spend)
  • 2500 points (worth £25) when a friend signs up through your referral link (unfortunately the person being referred will not get a bonus).
  • Another 2500 points when your friend makes their first rent payment through Rentd.

Please let me know if you have any questions about this offer. I've signed up through someone else's link on this sub and I'd appreciate if you sign up through mine!

Non referral link | T&Cs

reddit.com
u/ApertureHelix — 2 months ago
▲ 10 r/beermoneyuk

Wealthify | Get a £50 bonus when you invest £1000 for 6 months!

Wealthify is an investment platform with a selection of automatically managed investment funds. They are offering a generous £50 bonus - a guaranteed 5% return - when you invest £1000 with them for 6 months!

To get your bonus:

  1. Open a Stocks and Shares ISA* via my referral link. My account is sufficiently funded and I am therefore eligible to refer.
  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.

*If you prefer to invest in a GIA or SIPP instead, you'll have to invest £5000. Cash ISAs are excluded from this promotion.

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 | Non-ref

reddit.com
u/ApertureHelix — 2 months ago
▲ 20 r/beermoneyuk

Topcashback | £10 bonus when you sign up & £1000+ in beermoney opportunities!

Topcashback is the largest cashback platform with incentives for thousands of retailers and financial products. In a little over 7 months, I have accumulated more than £1000 from applying to bank accounts and investment products on Topcashback, and so can you! When you sign up through my referral link and earn £10 in cashback, you'll also get a £10 bonus.

Qualifying offers include:

  • Bank Accounts: Santander (£75+£20), TSB (£40), Tide (£150), First Direct (£40+£175 switch bonus),
  • Investments: Shephards Friendly and Scottish Friendly (£300+ each), J.P. Morgan Personal Investing (£75), Quilter (£100), Plum (£10), and more,
  • Retail: Tesco, Waitrose, Sainsbury's etc. (£10-£11 each), Modern Milkman (£15.75 no min spend)
  • Others: Experian (£9 for opening free account), Post Office Travel Card (£13.84 for £10 top up)

Please comment below if you have any questions about this offer. If you found my guide helpful, I’d really appreciate if you would sign up through my referral link!

Non-referral

T&Cs

reddit.com
u/ApertureHelix — 3 months ago
▲ 2 r/beermoneyuk

WorldRemit | ~£46 net profit when you transfer £60!

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

u/ApertureHelix — 3 months ago