Freetrade is an investment platform.  

Joining with a referral link gets you a free share worth £10 - £100.  

You can then refer friends and family for further free shares.

The share you receive is random, and the amount is too. It's more likely you'll get the lower end though. I got £25 of Pinterest shares. I hope you do as well as I did.

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You don't even need to invest. Deposit the £50 into the GIA (general investment account) and leave it there as 'cash'. This is a good technique if you're only doing the offer for the freebie.  

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1. Message me for a referral link here BTW you don't get an email notification for DM replies. You need to manually check. I normally respond quickly. 

2. Complete registration (you'll need your NI number)

3. Choose your plan (You'll probably want 'Basic')

4. Fund your account with £50. Just leave it 'as cash' in the GIA account. It's worked out well for me.

5. Complete the W-8BEN form if it hasn't asked you already. Click on profile, US tax reduction.

6. The free share should show as pending almost straight away, and the amount will show in your GIA in 7-10 days.

Share amount	Probability
£10 - £25	80%
£25.01 - £50	15%
£50.01 - £75	3%
£75.01 - £100	2%

NOTE:

#If you sell the free share, you can only withdraw the cash after 180 calendar days from the date you received them.

Your referer must have at least £50 in the account. I use this account for long term investments so no issue with that.

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• T's and C's of the referral campaign: https://freetrade.io/legal/free-share-terms-conditions

• Payment plans: https://freetrade.io/compare-plans

• Non-referral link:  https://freetrade.io/

Thinking of joining Sky?  

  

Sign up for Sky using a referral link and receive a voucher worth:  

• £100 for Sky Glass

• £50 for Sky Steam

• £40 for Sky broadband full fibre  

• £20 for Sky broadband superfast

• £25 for Sky Mobile Sim + Phone/Tablet

• £15 for Sky Mobile Sim only

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Steps:

• Click on a referral link and accept cookies if asked. Here's mine 

• Enter your details

• Chose the service you want and sign up

• When your service has started and you have an account number: Look at your first email from Sky. Click the 'Let's do it' button, and enter your sky account number.

• You should receive the voucher within 45 days after your first bill.

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The reward is a voucher which can be redeemed at the usual load of places, including supermarkets (easy option)

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As with all contracts like this, they'll try and sneak the price up at the end of your contract, so if you're staying, set a reminder to renew your contract for a normal amount rather than the joke they will try and pull on you if you let them. Or switch to a different provider for their signup bonus and keep doing that every year or 2  

  

It's also a good idea to have a search as there can be good or better offers from Topcashback, Quidco or other sites.

Non ref link: www.sky.com

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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.

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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!

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Steps for this offer:

1. Use a link to get started  

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

3. Make 1 payment using the physical card.

4. Get £10 credit. Spend it

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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

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New customers only. Or if you have had your account less than 30 days, you can still apply the code and get the £50

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1. Download the Chase UK app

2. Deposit at least £1,000 within 30 days. This can be in multiple smaller chunks

3. Enter a referral code. Pick one of the ones below (or anyone else's):

4. Recieve £50 into your Rewards account immediately

 

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#Referral codes:
74XPZH  

FZZ9S9  

UJKTTU  

U4V984  

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Chase is a great bank and is the best one for bank switches. So don't close your account afterwards.

Terms: https://static.chase.co.uk/documents/gb/en/refer-a-friend-2-referee-terms-and-conditions/1.0.0.html

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Sidekick have 2 offers

• £25 for saving £1k for 3 months

• £100 for investing £5k for 6 months.

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I've had an account with them for a year and it's a decent app and platform.   

Interest rates are decent too:

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• Cash ISA  4.61%  

• Easy Access  4.17%

  

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Their investments don't include bonds or moneymarkets so only do the investment option if you have investing experience.

Send me a chat message for a referral link  

Their terms state you're not allowed to share links publicly.

With investments there is always a risk your investment could decrease in value. So please do your own research on what to invest.

Non ref link: www.sidekickmoney.com 

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Starling is a great bank with an easy to use app.  

No hard credit check  

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Free £25 for new customers

1. Download Starling app

2. Enter code VVDHXKW

3. Set up 1 direct debit. Search for 'Scrimpr 50p direct debit' for an easy way of doing that.

4. Receive £25

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VVDHXKW

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10 referrals remaining as of 12pm 30 Sep

Non ref link: www.starlingbank.com

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I've used a Lebara sim card for the last 5 years.  

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They offer:  

• Cheap 1 month rolling contracts

• 12 month contracts

• PAYG

• Use of the 5G Vodafone network

• Data roaming in Europe included

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Example: I pay £4.50/month for 5GB data and it gives me all the phone calls and data I need.  

Sign up through a Referral link and get 50% off the first 3 months.

The PAYG sims are handy to have when doing a bank switch for the second time.

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It's also a good idea to have a search as there's quite often good or better offers from MSE, comparison sites or cashback sites.

Non ref link (no bonus): www.lebara.co.uk

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Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

www.zopa.com/mgma?referralCode=3dac57a3dbb100a88f07

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Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3dac57a3dbb100a88f07

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days

 

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Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance

  

Note:  Zopa referrals vary a little by user. Some require different amounts of transactions. You can just buy things for a few pence multiple times if needed. Or split shopping into 3 transactions etc.

Non referral link: www.zopa.com

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*Offer starts Monday 21 September 2026  

Trading212 is an investment platform.  I've used most of them and this one is the most impressive. It's very user friendly with a great app.  

This offer gives you free shares worth up to £100 for opening an account. I've been using the debit card for a while as it gives you 1.5% cashback on your purchases.

1. Join Trading 212 with a referral link

2. Deposit at least £1 (you don't have to invest it)

3. Receive free shares within 3 working days. You can then sell the shares and withdraw the money after 30 days.

Share amount	Probability
£8 - £25	80%
£25.01 - £50	15%
£50.01 - £75	3%
£75.01 - £100	2%

Non ref link: www.trading212.com 

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I signed up just for the bonus but the card gives 2% cashback on lots of shops, and links to your normal card, so I've been using it for all my shopping now!

Free £5 credit here (it will download the app)

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You link your normal debit card to the app.

Before purchasing something in store or online you search the app to see if they offer cashback for that business. Click through and make your purchase, which will come out of your normal bank account. The cashback credit can be used on your next purchase.  

There's no hard credit check

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Steps:

1. Sign up here https://zilch.onelink.me/x8EV/osrrunw2

2. Verify your identity

3. Add virtual card to google/apple pay 

4. Change the default payment method from 'Pay over 6 weeks' to 'Pay now' so you don't get into debt

5. Receive your £5 credit within a month and half. It's normally quicker.

6. Refer others and receive £5

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Just don't be tempted to use their buy-now-pay-later option. That's what they want you to do, and that's how they make money out of you.  

So make money out of them and not the other way round.  I'll help with any questions you have :-) 

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Non referral link (no bonus): www.zilch.com/uk

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"Live life on the veg"

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Riverford provide quality organic fruit and veg from small, responsible farms direct to your door. They also deliver other things, even meat and dairy now. 

My first order was an Organic Snacking box. I got Raspberries, Pears, Apples, Bananas, Red Pepper and Celery.

You can mix and match to reach the £15 threshold so you could even buy some beef burgers, sausages, chicken, mozzarella etc if that's more your thing.

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Example orders:

• Seasonal classic organic veg box small:  £16.50  

• Organic fruit box:  £17.95

• Seasonal organic fruit and veg box small:  £18.95

• Beef burgers x 4:  £7.95 + BBQ pork ribs:  £7.75 = £15.70

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Steps for this offer:  

1. Sign up through anyone's referral link. Here's mine: www.riverford.co.uk/refer/auQXbJ_cdD4HMCIT24WLCQ

2. Purchase a first order worth £15+ At checkout you can select 'once only' and not 'recurring order' if you like. 

3. Receive a £15 credit, which you can use on your next order

Optional: refer a friend and get £15 credit

Don't worry, there's no subscription to tie you in.  

You can make a purchase whenever you want.  

 

Non ref link (no bonus): www.riverford.co.uk

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InvestEngine is an investment platform that allows you to invest in exchange-traded funds (ETFs).  

There's no set up fees, no monthly fees, no withdraw fees, no dealing fees, and no ISA or SIPP fees as long as you chose the DIY portfolio.

Steps to take:

1. Sign up by clicking this referral link

2. Choose Investor type 'Individual' or 'business', enter your email address, choose a password

3. Finish registration (note you need your NI number) and verify your email address when prompted.

4. Click 'Create ISA', then 'Do it yourself', This is so you don't get fees.

5. Choose an ETF. Invest £100 and leave it in for 12 months.

6. Receive a notification in app and an email letting you know the value of the bonus. Click to claim it and the funds will go into your cash account immediately.

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They only provide ETF's, which are funds that hold a range of stocks, rather then individual stocks. This is ideal for beginners as it's comparatively safer as you are hedging your bets rather than risking it all on one company (stock).  

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You'll get a free bonus between £20-200. Or £100 - 400 if you sign up as a business.

The probability is weighted so it's more likely you'll receive towards the bottom end of the scale.  

Probability of reward value:

Personal Account	Business Account	Probability
£20 - £24	£100 - £120	75%
£28 - £34	£130 -£160	15%
£42 - £56	£170-£220	5%
£75 - £100	£250 - £320	3%
£150 - £200	£350 -£400	2%

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I actually think you don't even need to invest the money, leaving it as 'cash', as I have tested that. However, the terms state you do so it's probably safest to invest it.

Referral link

Shout if you have any questions  :-)

Non referral link (no bonus) www.investengine.com

Offer starts 21.04.2026 and ends at 23:59 on 15.10.2026

• Use a link to sign up and deposit at least £500 in your initial deposit (without necessarily investing it)  

• Leave for 60 days

• Get 5 free fractional shares worth at least $3 each

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1. Sign up using anyone's link. Here's mine: https://www.webull-uk.com/s/zEUukasVc1HyisdvfV   It can take a while to open so be patient. 

2. Deposit £500+ This needs to be done in one go Click Webull logo, click Transfers, click Deposit. Leave it for at least 60 days.

3. Receive the reward notification about your 5 free fractional shares

4. Click ‘Menu’ > ‘My Rewards’ > 'Redeem' and claim your reward within 30 days or it will expire

 

Then refer others for more free shares!

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After redeeming the reward, the shares will be added to your GIA within 15 business days.  

  

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Headsup: The Webull app is ugly and horrible to use. Maybe you will have a different opinion but I haven't been persuaded to use it as my main investing account.  

Non ref link (no bonus)  www.webull-uk.com

Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

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Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days

 

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Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance

  

Note: Zopa referrals vary a little by user. Some require different amounts of transactions. You can just buy things for a few pence multiple times if needed. Or split shopping into 3 transactions etc.

Non referral link: www.zopa.com

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Everyone hates paying rent.  

Ribbon Rewards makes it 1% less painful.  

They pay you cashback every time you pay your rent! Bonkers really - but it works.  

This works with shared ownership too

And they give a £25 welcome bonus

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• You open an account with Ribbon and fill in the details of your landlord or housing association (sort code, account number, name, reference).

• You transfer money into your new account (it's a bank account with Griffin bank)

• It gets automatically sent to your landlord, using the same reference, so there's no change from your landlord's perspective. You don't even need to tell them. It's instant and you get confirmation and a receipt.

Each £1 spent on rent = 1 point.  

You can redeem 2,000 points for a £20 Amazon (or loads of other retailers) giftcard

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My thoughts:  

• I was nervous to try this as I didnt want to risk my rent being paid wrong/late.   

• Signing up was very easy and quick. I did a test payment of £1 and got confirmation and receipt instantly.

• So I then set up a new standing order to my new account and cancelled my existing one.

  

Click a referral link to get started

Ref code NICHAFCA

Non referral link: www.ribbonrewards.io

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I've used a Lebara sim card for the last 5 years.  

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They offer:  

• Cheap 1 month rolling contracts

• 12 month contracts

• PAYG

• Use of the 5G Vodafone network

• Data roaming in Europe included

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Example: I pay £4.50/month for 5GB data and it gives me all the phone calls and data I need.  

Sign up through a Referral link and get 50% off the first 3 months.

The PAYG sims are handy to have when doing a bank switch for the second time.  

  

It's also a good idea to have a search as there's quite often good or better offers from MSE, comparison sites or cashback sites.

Non ref link (no bonus): www.lebara.co.uk

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Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

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Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days

 

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Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance

  

Non referral link: www.zopa.com

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Biscuit by Zopa is one of the best new current accounts in the UK right now if you like cashback + high interest.

And if you sign up with my referral link we both get £20

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Steps for this offer:  

1. Follow a referral link: www.zopa.com/mgma?referralCode=3b7a08e6888045c5d732

2. Open a Biscuit bank account and make 3 transactions with the virtual or physical card within 30 days.

3. Receive £20 within 30 days

 

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Zopa also offer:

• 3% cashback on either your bills or eating out (restaurants, takeaways, cafes etc) up to a limit of £4.50 earned 

• 2.75% interest on your current account balance

  

Non referral link: www.zopa.com

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I've used a Lebara sim card for the last 5 years.  

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They offer:  

• Cheap 1 month rolling contracts

• 12 month contracts

• PAYG

• Use of the 5G Vodafone network

• Data roaming in Europe included

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Example: I pay £4.50/month for 5GB data and it gives me all the phone calls and data I need.  

Sign up through a Referral link and get 50% off the first 3 months.

The PAYG sims are handy to have when doing a bank switch for the second time.  

   It's also a good idea to have a search as there's quite often good or better offers from MSE, comparison sites or cashback sites.

Non ref link (no bonus): www.lebara.co.uk

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Thinking of joining Sky?  

   Sign up for Sky using a referral link and receive a voucher worth:  

• £100 for Sky Glass

• £50 for Sky Steam

• £40 for Sky broadband full fibre  

• £20 for Sky broadband superfast

• £25 for Sky Mobile Sim + Phone/Tablet

• £15 for Sky Mobile Sim only

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Steps:

• Click on a referral link and accept cookies if asked. Here's mine 

• Enter your details

• Chose the service you want and sign up

• When your service has started and you have an account number: Look at your first email from Sky. Click the 'Let's do it' button, and enter your sky account number.

• You should receive the voucher within 45 days after your first bill.

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The reward is a voucher which can be redeemed at the usual load of places, including supermarkets (easy option)

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As with all contracts like this, they'll try and sneak the price up at the end of your contract, so if you're staying, set a reminder to renew your contract for a normal amount rather than the joke they will try and pull on you if you let them. Or switch to a different provider for their signup bonus and keep doing that every year or 2  

  

It's also a good idea to have a search as there can be good or better offers from Topcashback, Quidco or other sites.

Non ref link: www.sky.com

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