u/DivergingEquity

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.

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

TheFork is a restaurant booking platform where you can get up to 50% off at your favourite restaurants!

When you make your first booking using code 'B2C4D023' (pastebin link), you'll get 1000 'Yums' (loyalty points), which can be used to save £20 at a partner restaurant (applied straight to your bill) when you spend £30.

You can spend your 'Yums' at many interesting places, including high end gastropubs, independent establishments, and hotel restaurants.

You can also earn 100-200 'Yums' for each reservation made (worth £2-£5). If you earn 1000 more 'Yums', you can save £50 instead of £20.

Although not every establishment offers a discount, it is always worth checking. For example, Harrods steakhouse and Barrafina currently offers 50% and 20% off respectively.

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

T&Cs | Non-referral link

According to the Railcard website for the 16-25 railcard, discounts do not apply to journeys under £12 made before 10am except in July and August.

While this discount is reflected accurately on Trainline and TrainPal, it has not been applied to Transpennine Express, which I (and I'm sure some of you) have been using for 10+2% cashback through NX and Airtime rewards.

If this applies to you, make sure to review if your upcoming journeys are affected!

Ace Money Transfer is a money transfer app. They are currently offering a £10 bonus when you transfer £100! You can simply exchange your money back into GBP to benefit from this offer. I've made more than £7 in net profit 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

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. The energy price cap will be increasing by 13% in July, and you may want to consider fixing in the current price! No exit fees apply for fixed plans.

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.

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. 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. Cash ISAs are excluded from this promotion. My account is sufficiently funded and I can confirm that I am 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.

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

As Eugene’s eyes became accustomed to the haze of the cigarettes and cigars swirling miasma-like he saw a woman, in serge, and gloves that crept like living tendrils up her normally ivory arms, but now sun-kissed as a blush, as the incarnadine discovery inside a conch shell seen for the first time by a bewildered zoologist as he is undone by its rosy, promising pinkness; those were her arms.

But it was her eyes that stopped his breath; that made his heart leap up. Blue they were, even through the swirling vapors of pompous Chesterfields and arrogant Lucky Strikes he saw her eyes were blue beyond blue, like the ocean. A blue he could swim into forever and never miss a fire engine red or a cornstalk yellow. Across the chasm of that room, that blue, those eyes, devoured him and looked past him and never saw him and never would, of that he was sure.

From that moment, Eugene understood what the poets had been writing about these many years, all the lost, wandering, lonely souls who were now his brothers. He knew a love that would never be his. So quickly did he fall for her that no one in the room even heard the sound, the whoosh as he fell, the clatter of his broken heart. It was a sure silence, but his life was shattered.

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 23rd of June 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

WorldRemit is a money transfer service. They are currently offering generous rewards when you give them a try! When WorldRemit was available on Topcashback, I was able to stack their cashback and referral offer. Currently, only Quidco offers cashback for WorldRemit.

Some users have experienced a recurring issue where the vouchers were usable only once every few weeks. It was working at the time of writing (19th of June), but it is currently reported as unusable again. If you have already signed up and faced the same issue, leave a comment below so that I can send you an alert when it starts working again.

If you do not want to bother with the voucher/risk your Quidco cashback (in case they reinterpret the T&Cs to prevent stacking), you might want to consider signing up without a referral code. You can qualify for both (or Quidco only) with the instructions below.

1. Sign up to Wise through a referral (DM for link) for free transfers. You may need to deposit £20 to verify yourself (Revolut does not work).
2. Open a Philippine Peso 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 bonus, DM for link) on your mobile web browser. Enable Quidco premium for a more (£40) cashback, you can downgrade after your activity tracks.
5. Search for WorldRemit and download the app through Quidco. Allow cross site tracking and all cookies on the 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 (Pastebin Link) 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.

If you use a referral code, your £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

I currently have a modest income and a credit card with a £2000 limit. Since its 0% interest period ended, I've been using my Trading212 debit card for 1.50% cashback.

I am on track to getting a mortgage for my first home within 5-8 years. This might have to be done with a large (40-50%) deposit, unless my circumstances change (either I get promoted faster than expected, or I find a partner).

However, I am a little concerned that if I do not use my credit card regularly to establish a good credit history, I might be considered a subprime borrower. If I have to mortgage at a higher interest rate, that might ultimately cost me more than the rewards I am able to get with my debit card.

At the moment, I am unlikely to be accepted for any credit cards with more than a 6 month 0% purchase period, and I do not spend enough to benefit from an AMEX card.

With the ability to obtain credit in mind, is it worth using a debit card with better rewards over a credit card going forward? I've unfortunately not been able to find much information and would appreciate your input.

They discussed death and bass-fishing and square dances, and the epic of life around them seemed to unfold. They imparted to each other a great deal of understanding.

And so they fell in love; he first with her eyes and hands and then her shoulders and soft rounded hips; she with his arms and neck and wild brown hair.

Not that they spoke of these things. No words of love passed between them, and at night when he kissed her standing there on the stoop and wheeled around and headed for the gate, it seemed that he must tell her how he felt. He would turn at the gate and look back and see her standing luminescent beneath the autumn stars and he wanted to run back and crush her in his arms and whisper wild things in her ear. But he simply raised his hand and she hers, and he ambled home emptily beneath wind-tortured trees that spoke in behalf of the silent stars.