OakNorth Bank is a regulated UK digital bank offering high-yield personal savings accounts (including Easy Access, Notice, and Fixed Rate accounts) protected by the FSCS up to £85,000.

New users who are referred to OakNorth receive a £30 cash bonus when they open and fund a personal savings account with £2,000 and maintain the balance for 30 consecutive days. You can also earn an extra £10 bonus by opening a second eligible savings product within 90 days.

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Steps to claim your £30 (+ £10) bonus:

1. Request Referrer Details: Send me a Direct Message on Reddit to get my registered name and email address.
2. Submit Referral Form: Head over to the OakNorth Referral Page, click "I was referred here", and fill in your details along with my referrer details.
3. Open an Account: Apply for any OakNorth Personal Savings account (such as their Easy Access Savings) within 30 days of submitting the form.
4. Deposit Funds: Deposit £2,000 or more into your account within 14 days of account approval.
5. Hold Balance: Maintain at least a £2,000 balance for 30 consecutive days.
6. Receive Reward: Your £30 bonus will be credited directly to your account or nominated bank account within 60 days of meeting the criteria.
7. Optional £10 Extra: Open a second eligible OakNorth savings account within 90 days to receive an additional £10 cash bonus.

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Key Details & Requirements:

• Eligibility: New UK residents aged 18+ who have not previously held an OakNorth Personal Savings account.
• Safety: Fully licensed UK bank—savings are FSCS protected up to £85,000 per individual.
• Referral Process: Due to OakNorth requiring the referrer's name and email on the submission form, referral details must be requested via private message rather than public links.

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OakNorth Referral Landing Page (Send me a DM for name/email details to enter on the form)

Non-referral link (no bonus)

Looking to kickstart your investment portfolio or grab some free cash? Robinhood UK is currently offering a free fractional share worth between £6 and £175 when you sign up using a referral link and deposit just £1 into your account.

Here is a simple, step-by-step breakdown of how to claim your free reward, the exact terms and conditions, and how to cash out your earnings.

What is the Robinhood UK Free Share Reward? When you sign up via an eligible referral link and complete account verification, Robinhood will award you a free fractional stock selected randomly from leading global companies (such as Apple, Tesla, or Amazon).

• Reward value: Ranging from £6 up to £175.
• Deposit requirement: Just £1 minimum.
• Probability outcome:
  • ~96% chance of receiving £6–£10.
  • ~3% chance of receiving £10–£25.
  • ~1% chance of receiving £25–£175.

Step-by-Step Instructions to Claim Your Reward

• Sign up via the link: DM me for a Referral Link
• Verify your identity: Complete the standard ID verification process (KYC) within the app.
• Deposit funds: Link your bank account and deposit at least £1.
• Claim your free share: Once your deposit lands, navigate to the reward section in the app to claim your free stock.

How to Cash Out Your Free Share Once you claim your free stock, you can manage or withdraw your funds following these simple rules:

• Keep or Sell: You can choose to keep the stock long-term or sell it immediately within the app.
• Withdrawal Holding Period: If you sell your free stock, the proceeds from the sale must remain in your cash balance for 30 calendar days before they can be withdrawn to your bank account.
• Trading Funds: You can use the proceeds from selling your free stock to purchase other stocks immediately without waiting 30 days.

IG is a major UK investment platform, fully authorised and regulated by the Financial Conduct Authority (FCA).

They are currently offering new customers a free share worth between £50 and £1,000 when you open an eligible share-dealing account, invest at least £1,000 within 30 days, and hold the investment for 3 months.

Note: IG terms strictly prohibit public sharing of referral links. Please send me a message directly if you would like a referral link. Currently 10/10 spaces remaining for this month.

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Share Value Probabilities:

Approximate Share Value	Probability
£50 – £70	70%
£70.01 – £100	20%
£100.01 – £250	7%
£250.01 – £500	2%
£500.01 – £1,000	1%

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Steps to claim your free share:

1. Send me a Direct Message for a referral link
2. Open an eligible share-dealing account (Share Dealing / GIA, Stocks & Shares ISA, or SIPP) using the link within 3 months.
3. Deposit and place a first investment of at least £1,000 within 30 days of account opening.
4. Submit your W-8BEN form before the holding period ends.
5. Maintain that £1,000 investment for the required 3-month holding period.
6. Your free share (valued between £50 and £1,000) will be credited to your account once qualified.

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Key Details & Terms:

• Referrer Qualification: I meet all required referrer conditions (UK resident direct retail client with an active investment on an eligible account), ensuring the referral tracks properly.
• Eligible Accounts: Share Dealing (GIA), Stocks & Shares ISA, and SIPP.
• Capital at Risk: The value of shares, ETFs, and ETCs can fall as well as rise, meaning you may get back less than you originally invested.

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Non-referral link (No bonus)

Looking to kickstart your investment portfolio or grab some free cash? Robinhood UK is currently offering a free fractional share worth between £6 and £175 when you sign up using a referral link and deposit just £1 into your account.

Here is a simple, step-by-step breakdown of how to claim your free reward, the exact terms and conditions, and how to cash out your earnings.

What is the Robinhood UK Free Share Reward? When you sign up via an eligible referral link and complete account verification, Robinhood will award you a free fractional stock selected randomly from leading global companies (such as Apple, Tesla, or Amazon).

• Reward value: Ranging from £6 up to £175.
• Deposit requirement: Just £1 minimum.
• Probability outcome:
  • ~96% chance of receiving £6–£10.
  • ~3% chance of receiving £10–£25.
  • ~1% chance of receiving £25–£175.

Step-by-Step Instructions to Claim Your Reward

• Sign up via the link: DM me for a Referral Link
• Verify your identity: Complete the standard ID verification process (KYC) within the app.
• Deposit funds: Link your bank account and deposit at least £1.
• Claim your free share: Once your deposit lands, navigate to the reward section in the app to claim your free stock.

How to Cash Out Your Free Share Once you claim your free stock, you can manage or withdraw your funds following these simple rules:

• Keep or Sell: You can choose to keep the stock long-term or sell it immediately within the app.
• Withdrawal Holding Period: If you sell your free stock, the proceeds from the sale must remain in your cash balance for 30 calendar days before they can be withdrawn to your bank account.
• Trading Funds: You can use the proceeds from selling your free stock to purchase other stocks immediately without waiting 30 days.

Quidco is one of the UK’s primary cashback platforms, allowing you to earn money back on everyday online purchases across thousands of major retailers (including eBay, Boots, Argos, Sainsbury's, and Very).

New users signing up via a referral link receive a £10 cash bonus once they earn £5 in confirmed cashback.

Steps to claim your £10 bonus:

1. Sign up using My Referral Link.
2. Complete your registration and set up your payment account details.
3. Search for a retailer on Quidco and click through to complete a purchase as normal.
4. Once you earn £5 in confirmed cashback, your £10 bonus will be credited automatically to your account balance.

Key Details & Tips:

• Payout Options: Withdraw directly to a UK bank account, PayPal, or convert into retail e-gift cards (which often offer a top-up bonus percentage).
• Referral Scheme: Once joined, you can invite friends using your own link to earn £20 per successful referral.
• Tracking Tip: Clear cookies or disable ad-blockers before clicking through Quidco to ensure your purchases track smoothly.

Referral Link (£10 Bonus)

Non-referral link (no bonus)

Webull is running a promotion for new UK customers offering 5 free US fractional shares when you fund your account. Each share can be worth anywhere from $3 to $300.

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Step-by-step guide:

1. Sign up using My Referral Link.
2. Open your account and make a single initial deposit of at least £500 (no need to invest!).
3. Keep the £500 balance intact for 60 consecutive days without withdrawing.
4. Once the holding period is complete, navigate to “My Rewards” in the Webull app to claim and draw your 5 free shares.

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Key Details & Tips:

• Holding Period: The balance must remain in the account for 60 consecutive days to qualify.
• Claiming: Ensure you claim your reward via the app once the holding period finishes.

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Referral Link (5 free shares)

Non-referral link (no bonus)

Do you want to get up to £100? Join Trading 212 Invest with my link, and we will both get rewards.

Trading 212 is a popular, FCA-regulated online investment platform offering commission-free trading on stocks and shares.

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Steps to claim your free share:

1. Sign up using My Referral Link.
2. Complete the identity verification process.
3. Deposit a minimum of £1 into your account within 10 days.
4. Receive your free fractional share (worth up to £100) added directly to your portfolio within minutes.

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Key Details & Tips:

• Withdrawals: Free shares can be sold after they arrive, though cash proceeds may be subject to a temporary holding period before withdrawal.
• Capital at Risk: When investing, your capital is at risk and the value of investments can go down as well as up.

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Referral Link (Free share up to £100)

Non-referral link (No bonus)

Webull is running a promotion for new UK customers offering 5 free US fractional shares when you fund your account. Each share can be worth anywhere from $3 to $300.

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Step-by-step guide:

1. Sign up using My Referral Link.
2. Open your account and make a single initial deposit of at least £500 (no need to invest!).
3. Keep the £500 balance intact for 60 consecutive days without withdrawing.
4. Once the holding period is complete, navigate to “My Rewards” in the Webull app to claim and draw your 5 free shares.

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Key Details & Tips:

• Holding Period: The balance must remain in the account for 60 consecutive days to qualify.
• Claiming: Ensure you claim your reward via the app once the holding period finishes.

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Referral Link (5 free shares)

Non-referral link (no bonus)

TopCashback is mainly a cashback website. You can use them for a variety of things, including:

1. Buy discounted gift cards
2. Earn cashback on your spending
3. Earn cashback for opening a variety of financial accounts
4. Compare quotes

Current TopCashback offers can be found here

Some examples:

• First Direct – Current Account: £20 cashback + £175 welcome bonus when you switch
• Experian Free Account – Exclusive £9 cashback
• Santander Reward Credit Card – £30 cashback

Current referral offer:

1. £10 for signing up using my referral link
2. The referral reward becomes payable once you accumulate £10 in cashback.
3. Payout options include Reward Wallet (e-gift cards plus bonus), bank transfer or PayPal.

Non-referral link
Referral T&Cs
*Check the individual offer terms and eligibility before signing up.

Sky is currently running a referral scheme offering digital gift cards worth up to £100 when you take out a new TV, broadband, or mobile subscription (or upgrade an existing account).

Voucher breakdown:

• £100 for Sky Glass
• £50 for Sky Stream
• £40 for Sky Broadband Fibre
• £20 for standard Sky Broadband
• £25 for Sky Mobile (handset plan)
• £15 for a Sky Mobile SIM-only plan

Gift cards can be spent at a range of popular retailers, including Tesco, Sainsbury's, Argos, Currys, B&Q, IKEA, Boots, and Nike. Links:

• Referral link
• Non-referral link: https://www.sky.com

TopCashback is mainly a cashback website. You can use them for a variety of things, including:

1. Buy discounted gift cards
2. Earn cashback on your spending
3. Earn cashback for opening a variety of financial accounts
4. Compare quotes

Current TopCashback offers can be found here

Some examples:

• First Direct – Current Account: £20 cashback + £175 welcome bonus when you switch
• Experian Free Account – Exclusive £9 cashback
• Santander Reward Credit Card – £30 cashback

Current referral offer:

1. £10 for signing up using my referral link
2. The referral reward becomes payable once you accumulate £10 in cashback.
3. Payout options include Reward Wallet (e-gift cards plus bonus), bank transfer or PayPal.

Non-referral link
Referral T&Cs
*Check the individual offer terms and eligibility before signing up.

Lightyear is a UK stock-investing app, fully authorised and regulated by the Financial Conduct Authority (FCA).

They are offering new UK customers a free fractional share worth between £10 and £100 upon opening a General Investment Account (GIA) and funding it with a minimum deposit of £100 within 30 days.

Note: Lightyear's Terms & Conditions strictly prohibit public sharing of referral links. Please send me a direct message to request a referral link.

Share Value Probabilities:

Fractional Share Value Range	Probability
£10 – £20	80%
£21 – £50	15%
£55 – £75	3%
£76 – £100	2%

Steps to claim your free share:

1. Send me a Direct Message for a referral link
2. Download the Lightyear app and complete onboarding to open a General Investment Account (GIA).
3. Fund your account with a minimum deposit of £100 within 30 days of using the link.
4. Select and receive your free fractional share once the deposit clears (mine took one day to clear).
5. Maintain your net account balance (your £100 deposit + the reward value) for at least 6 months.

Non-referral link (No bonus)

TopCashback is mainly a cashback website. You can use them for a variety of things, including:

1. Buy discounted gift cards
2. Earn cashback on your spending
3. Earn cashback for opening a variety of financial accounts
4. Compare quotes

Current TopCashback offers can be found here

Some examples:

• First Direct – Current Account: £20 cashback + £175 welcome bonus when you switch
• Experian Free Account – Exclusive £9 cashback
• Santander Reward Credit Card – £30 cashback

Current referral offer:

1. £10 for signing up using my referral link
2. The referral reward becomes payable once you accumulate £10 in cashback.
3. Payout options include Reward Wallet (e-gift cards plus bonus), bank transfer or PayPal.

Non-referral link

Referral T&Cs

*Check the individual offer terms and eligibility before signing up.

Get 50£ when you switch to octopus energy by using my referral link. They also offer the cheapest rates so it's a win win situation.

How to Qualify:

1. Click my referral link: https://share.octopus.energy/sullen-steak-989

2. Fill in your details and Octopus handles the switch — there’s no supply interruption and it usually completes in a couple of days.

3. The £50 credit posts after your first payment is taken.

Referral Link: https://share.octopus.energy/sullen-steak-989

Non referral (No bonus): https://octopus.energy/

InvestEngine is currently running an incentive that awards you a bonus between 20-200£ if you invest 100£ for 12 months.

Investengine is an investment platform offering commission-free investing in general investment accounts and ISAs with no fees (unless you use their managed accounts). They only offer ETFs, so you wont be able to buy single stocks. I currently use them for my SIPP as they are the cheapest to buy and hold ETFs (completely free to use, no platform fees).

InvestEngine is authorised and regulated by the Financial Conduct Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS).

Current offer:

1. Use a my referral link to create your account
2. Invest: Fund your account (Personal Account, ISA, or SIPP) with at least £100 and choose your investments and stay invested for 12 months.
3. Claim your bonus: Once your investment is processed, you will receive a notification to claim your bonus. The amount is randomly selected between £20 and £200.Or £100 - 400 if you sign up as a business.

Probability: £20-24: 75%; £28-34: 15%; £42-56: 5%; £75-100: 3%; £150-200: 2%

Non-ref link

Get 50£ when you switch to octopus energy by using my referral link. They also offer the cheapest rates so it's a win win situation.

How to Qualify:

1. Click my referral link: https://share.octopus.energy/sullen-steak-989

2. Fill in your details and Octopus handles the switch — there’s no supply interruption and it usually completes in a couple of days.

3. The £50 credit posts after your first payment is taken.

Referral Link: https://share.octopus.energy/sullen-steak-989Non referral (No bonus): https://octopus.energy/

​

Zopa is a British digital bank and financial services company that offers savings accounts, personal loans, credit cards, car finance, and current accounts. Zopa is fully licensed and regulated (FSCS-protected). They are running an incentive program when you open an account using a referral link. Here are the steps to claim:

1. Use my

[My referral link](www.zopa.com/mgma?referralCode=3cad5c1b3d7eb0f86594)

to start account application and Input your phone number

3. Download the app and use the same phone number that you used before. Open a biscuit account.

4. Use your debit card 1 time

5. That's it, £20 for both of us

6. Refer others to earn up to £200

[My referral link](www.zopa.com/mgma?referralCode=3cad5c1b3d7eb0f86594)

[Non ref link](www.zopa.com)