Raisin is a digital savings and financial platform/app that offers a variety of savings accounts. They've operated in the UK for the last 7 years and are FCA regulated.

They are currently offering new customers a £100 bonus if they deposit £10,000+ in one of their accounts and keep it there for 12 months.     

You must maintain that minimum balance over that time span and not close your account early.

Best rates as of 15.06.2026

Rate	Account
4.65%	1 Year Fixed Rate

Steps for this offer:

1. Click here to get started and register your details:

2. Chose a savings account option that appeals to you. It needs to have a minimum term of 12 months.

3. Deposit at least £10,000 into the account

4. The bonus will be credited as cash within 28 days (but normally earlier) and can be withdrawn to your bank.

5. Leave the £10k for 12 months.

And now you can refer friends and family and get a £100 bonus for each!

NOTE: the qualifying amount needs to be held in only 1 of their accounts, not spread out.

Non ref link: www.raisin.co.uk

Monument bank is FCA regulated and provides savings accounts and ISAs.  

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Their refer a friend offer ends on 27.08.2026 and offers a quick £30 for anyone who has a large amount of savings or emergency fund.  

   It's not for everyone, but it only takes about 30 mins work. 

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It's a flexible ISA so you won't have used up your ISA allowance if you withdraw your funds afterwards  

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• Sign up using a referral link

• Deposit £10k in a flexible Easy Access ISA

• Receive £30 bonus at 7am the next day

• Withdraw if you want.

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If you have already used your ISA allowance you would need to deposit 25k into a savings account. I know... 

Non ref link:  www.monument.co/

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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

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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Offer starts 21.04.2026 and ends at 23:59 on 15.10.2026

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• Use a referral 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.  

You can refer up to 5 people  

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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

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You've probably seen Riverford's vans driving about. Their slogan is "Live life on the veg"  

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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Raisin is a digital savings and financial platform/app that offers a variety of savings accounts. They've operated in the UK for the last 7 years and are FCA regulated.

They are currently offering new customers a £100 bonus if they deposit £10,000+ in one of their accounts and keep it there for 12 months.  

   You must maintain that minimum balance over that time span and not close your account early.

Best rates as of 15.06.2026

Rate	Account
4.65%	1 Year Fixed Rate

Steps for this offer:

1. Click here to get started and register your details:

2. Chose a savings account option that appeals to you. It needs to have a minimum term of 12 months.

3. Deposit at least £10,000 into the account

4. The bonus will be credited as cash within 28 days (but normally earlier) and can be withdrawn to your bank.

5. Leave the £10k for 12 months.

And now you can refer friends and family and get a £100 bonus for each!

NOTE: the qualifying amount needs to be held in only 1 of their accounts, not spread out.

Non ref link: www.raisin.co.uk

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Zilch is a cross between a cashback earning and a buy-now-pay-later app.  

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  

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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. If they do, you 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

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 :-) 

Steps:

1. Sign up here https://zilch.onelink.me/x8EV/0tv0zujm

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

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

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Chip is a fintech (financial tech) platform providing Cash ISAs, Savings Accounts, Investment Stocks & Shares ISAs etc  

Their new offer is giving new customers a £50 bonus for maintaining a balance of £1k+ for at least 90 days     

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1. Send me a DM for a referral link 

2. Sign up and open any of these accounts: Instant access, Easy access, Cash ISA, Smart cash ISA, Prize savings account 

3. Deposit £1,000+

4. Maintain that balance for 90 days 

5. Receive £50 into either your Instant Access or Prize Savings account

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   You have 30 days to sign up once you've entered your email address.  

You have 120 days to meet the other conditions  

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• Interest on Smart Cash ISA: 4.41%

• Interest on Easy Access: 3.81%

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Non-referral link: www.getchip.uk

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Thinking of signing up to Virgin Media?  

Bag yourself £50 by doing it via this refer-a-friend link:  https://aklam.io/geYtgr

Sign up using this link for either:  

Package	Bonus Amount
Broadband Only	£50
Broadband + Landline	£50
A Bundle Including TV	£50
Mega Volt Bundle	£50

  

Signing up over the phone? Quote referral code:  PHYLIQNX  

Wait at least 60 days for an email explaining how to withdraw. It can be to a bank account or paypal account.  

  

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.  

  

It's also a good idea to have a search as there's sometimes good or better offers from Topcashback or Quidco.

Follow this link: https://aklam.io/geYtgr

Non referral link (no bonus) www.virginmedia.co.uk

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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.

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.  

  

1. Message me for a referral link here

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/

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

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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Worldremit is a money transfer service.  

They offer various welcome bonuses for new customers making a first transaction.

The referral scheme isn't as generous as doing the offer through Quidco or Topcashback (not currently on offer but it might come back) so I wouldn't recommend doing it instead of those sites...

However - you can stack them, which is doing both at the same time. Get the bonus from the cashback site and the referral.

Quidco is paying £18.75  

The referral part gives around £7 profit

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Method:

• Open a Quidco account (search this sub for a referral to it)

• In Quidco, search for Worldremit and click the £18.75 cashback option (only use the £37.50 option if you actually have a need to send money to someone in those specific countries. You can game the £18.75 option but not the £37.50 one)

• Enter referral code REFER6XY2TMYK7QYR 

• Send £30 to someone's foreign bank account. NOTE: not £25. It needs to be £30 to satisfy the criteria of BOTH offers. You'll need their IBAN. If gaming it, then create your own NZ (New Zealand) account in Wise and send to that.

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Important info

>The transfer to your NZ Wise account takes a couple of working days. Be patient.  

>The cashback from Quidco can take ages. They say up to 6 months! Be patient.

>The referral bonus comes after a few days as a £10 voucher/discount off your next transfer. I did another transfer to myself (minimum £21) to use it. >You will lose some of the value due to fees and FX fees. For me it was £3, so a £7 profit for this part.

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Non ref link: www.worldremit.com

Ref scheme: www.worldremit.com/en/faq/refer-a-friend

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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TopCashback is a great cashback site. The best actually.  

   You can earn hundreds of pounds when buying and signing up to things through it.

You can get cashback on online shopping, for signing up for current accounts and credit cards, buying gift cards, car insurance etc etc.

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They're offering £10 for signing up

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The bonus will become payable once you accumulate £10 worth of cashback. It can be withdrawn as cash via BACS.  

They pay £25 (or £30 for plus members) for every person you refer (once they earn £10 within 3 years)

Often if you sign up for a new bank account through them they'll give you up to £60. The best tip is to do this in combination with bank switches. First Direct, TSB and Santander tend to have offers.

• Shepherds Friendly will pay you £320!! for setting up a stocks & shares ISA and depositing £100/month for 6 months.  

• Scottish Friendly will pay you £310!! for setting up a stocks & shares ISA and depositing £100/month for 6 months.

Get started by clicking here

There's loads more really generous offers on there. I've earned over £2,000 in under 2 years. Just search this sub for tips from people and their experiences.

Non ref link: https://www.topcashback.co.uk

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You've probably seen Riverford's vans driving about. Their slogan is "Live life on the veg"  

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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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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• Octopus is cheap.  

• Octopus uses renewable energy.

• Octopus user interface is great.  

• Octopus user experience is way nicer than other providers.

  

  

They're offering you £50 credit for switching to them 🐙

They provide electricity and gas, do it cheaper than most other providers, use renewable sources, and have an app and website that is really easy to use.

1. Sign up here

2. Fill in the quote form and start your switch

3. You'll receive the credit when your first direct debit goes through

4. Refer others for £50

  

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Frugal Tip:  

• Make one-off payments using Zlch virtual card and get 2% cashback!  

• And you can stack that with another card to earn more.  

• Don't worry about it upsetting your direct debit - that will just get adjusted down automatically for that month so you won't overpay.

 

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'Octoplus rewards' is a handy freebie too. You can get free coffees and sausage rolls from Greggs and other stuff in a weekly scratchcard. 

Switching BOTH electricity and gas gets you £50. Only switch one and you get £25.

They don't have any exit fees.  

Non ref link: www.octopus.energy

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