Monzo is a free app based bank account where you can get £5 for opening an account and making a purchase. I like using Monzo because they pay your salary a working day early. It's also my holiday card where I use it to withdraw foreign currency from ATMs or spend in shops with no foreign transaction fees.

To get you £5

• Sign up with my referral link

• Enter your phone number

• Download the app and apply for a current account

• Deposit £1 or more into your account

• Purchase something with your Monzo card within 30 days of entering your phone number. This can be done online or instore through your virtual or physical debit card and apple/google pay.

• Your money will be added to your account after your purchase

Thank you for using my referral link!!

Snoop is a money managing app giving a £5 Amazon gift card for signing up and connecting a bank account or credit card. They occasionally have good switch offers such as previously giving £30 Amazon gift card for switching banks through them so it's worth keeping around for those occasional offers.

They also have a 4% interest rate savings account which is one of the best on the market right now.

Proof of payment here

To get your £5 Amazon Gift Card:

• Sign up using my referral link
• Connect one of your bank accounts or credit card through open banking
• Keep the account connected for over 28 days
• Your £5 Amazon gift card is then emailed to you
• Refer others for £5 Amazon Gift Card. If you refer 5 people, you get an additional £25 Amazon Gift Card

Thank you for using my referral link!!

Sprive is a free app that offers money back from gift card purchases that pays towards your mortgage. They also help you set money aside by letting you do a one off top up or setting up an auto save direct debit payment that can be paid towards your mortgage. This can be fixed, variable or turned off if you don't want it. They also host various mortgage offers on their app if you're interested in seeing what you might want to remortgage to.

By using my referral, you and I will get Sprive Plus. This gives access to more retailers towards your mortgage. I will also get £10 and boosted cashback in their weekly prize draw. Once you have your own account, you can refer others and get money and these perks as well.

You can get gift cards for many retailers including Tesco, Asda, Sainsbury, Amazon, Morrisons, Marks & Spencer, Waitrose, Iceland, Ikea, Etsy, Boots and many, many more.

The gift card cashback has very high returns based on your mortgage and spend. The cashback is made up of a fixed percentage and interest you'll save from overpaying your mortgage. I shop at Sainsbury and Tesco so I save a fixed 2.5% cashback plus 5.2% in mortgage interest totalling 7.7% cashback when buying a £10 gift card. If I bought a higher amount like £50, I would earn 10.26% cashback as the higher fixed cashback would pay my mortgage more and save more in mortgage interest payments.

You can choose to hold onto this cashback or send it to your mortgage at any time. Money saved through your auto save direct debit or one off top ups can be withdrawn to your bank anytime.

As of today, the lenders that work with Sprive are:

Nationwide, First Direct, HSBC, Lloyds, Barclays, Santander, RBS, Virgin Money, Halifax, Natwest, Yorkshire Building Society, Coventry Building Society, Accord Mortgages, and TSB Bank

Proof of Sprive paying my mortgage

To get Sprive:

• Sign up with my referral link

• If the referral code doesn't show, add in the code: 41HAY2RK

• Link your bank account through open banking (it doesn't have to be the bank with your mortgage).

• Connect your mortgage. This will be found through credit reports and you can make any corrections if they're wrong.

• To unlock autosave, purchase a gift card (minimum £1)

• Set up your direct debit on autosave (min £25. You can turn it off after you set it up)

Thank you for using my referral link!!

Non ref

Reduce your phone bill or withdraw money back in cash with the Airtime Rewards app. By linking your debit/credit card to the App and spending at certain retailers with your linked card, you can earn cashback. Some retailers include Boots, IKEA, New Look, Argos, The Range and many more.

My referral code will net you £2.00 if you spend at one of the qualified stores within 7 days. It's normally £1 but they have increased it to £2 so join while bonus is increased.

You can link multiple debit/credit cards, including cards that aren't in your name or One4All cards, to earn money back.

I use my linked One4all card to purchase the Youchoose gift cards on Argos and get cashback on Airtime Rewards for it. I then use my Youchoose gift cards for my Sainsbury's shopping. Others use their One4all card at boots in store to purchase gift cards there to earn cashback on Airtime Rewards.

Your cashback can be redeemed in multiples of £10 or £5 if you are invited to the ignite programme. You can link with Visa and Mastercard but not Amex.

Airtime rewards cashback can be combined with other cashback like Topcashback/Quidco/cashback credit cards and still apply. You're rewarded when you shop both online and in store.

To get your referral bonus:

• * Download Airtime Rewards
• Input my referral code: YX9WUTDJ
• Link your credit/debit card
• Make a purchase of £5 or more within 7 days with your linked card
• £2 is credited to your account.
• You can redeem your cashback on your phone bill via your phone number
• To redeem your money as cash instead, set your network to Lebara monthly and you can withdraw your cashback to your linked card. Your phone doesn't have to actually be on Lebara network to do this. Note that this withdrawal method incurs a small charge.

Thank you for using my referral.

Cheddar is cashback app that gives you money back when you purchase a gift card. They currently have an offer where you and I get £5 when you purchase your gift card and earn £5 of money back. They cover supermarkets like Tesco and Sainsbury, restaurants, shopping retailers and more.

Cashback is instantaneous after purchase and the withdrawal minimum is at £5.

Proof of payment

For your free £5 bonus:

• Download the Cheddar app
• Sign up and link your bank account
• Enter my referral code: XLHYLYY
• Buy a gift card and earn £5 money back within 30 days of signing up
• £5 will be credited to your account

Thank you for using my referral.

Non ref

JamDoughnut is a cashback website/app that pays you money back when buying gift cards. You can buy gift cards from many retailers including Tesco, Sainsbury's, Asda, Morrisons, Iceland, Waitrose and many more.

One aspect I like about it is that all cashback is instant. Once you purchase a gift card, that cashback is paid directly to your account. Cashback rates vary between 2.5% - 20% but they regularly increase them to better offers.

Cash out is at £10.

By using my referral code, you get £3 added to you account. To get your £3:

• Download the app here
• During sign up, add my referral code: DZM1
• Purchase a gift card
• The £3 will now be added to your account

Thank you for using my referral link!!

Chip is an investment and savings accounts app. They currently have an offer where if you sign up with my referral link or code, they give you £50 for depositing £5,000 or more into their savings account for 90 days.

Their Chip Instant account are at 2.49% interest rate and are instant access so you can withdraw the amount instantly after the bonus is paid out. Try to avoid other promo codes until after you receive your bonus as you can only have one active promotions at once.

The £50 bonus is about equivalent to a 4% interest rate bonus with £5k deposit on top of your chosen account which beats out a lot of the current saving account interest rates.

• Message me for a referral link or code
• Download the Chip app
• Sign up with the same email address you entered with in the referral link
• Link a bank account and deposit £5,000 or more into an applicable account within 30 days of signing up with a referral link or 14 days of inputting my referral code.
• An applicable account are: Chip smart cash ISA, cash ISA, easy access savings account, Chip Instant Access savings account or prize savings account
• Hold your deposit for 90 days
• £50 will be paid to you

Thank you for using my referral link or code!!

Everup is an app that gives you instant cashback and coins when purchasing gift cards like JamDoughnut or Sprive. They also have games where you spend coins to win prizes. Prizes include coins, money or if you're lucky, a £150 Amazon gift card. By signing up with my referral, you'll get 10 million coins to be used in these prize games. I will also get £5 when you reach £10+ in cashback.

You get daily free chances to play these games so you'll always be earning something.

They have over 230 retailers you can get cashback from including Tesco (3.5%), Sainsbury (3%), Iceland (2.5%), Morrisons (2.5%), M&S (3%), Waitrose (3%), Asda (2.5%), Ikea (1.5%), b&m (6%), Deliveroo (4%) and many more.

To get you rewards:

• Sign up with my referral link
• If the referral code doesn't appear put in my referral code:

RHUN3331627LSMKP

• Verify your email and phone
• Earn cashback by purchasing gift cards
• Once you redeemed £10 worth of cashback, you'll receive 10 million coins

Referral terms

Non ref

Macadam counts your steps and at the end of the day you convert those steps into coins. Macadam has a map feature where if you visit a location and click on it, you can gain coins. You can also play games that let you earn more coins. You get coins for reaching walking milestones with the min at 15 for 2,500 steps and 275 coins for 45,000 steps. Cashout is at £15 for 30,000 coins if you reach the Gold offers.

If you like passive earning and already walk a lot for your job or recreationally then this app might be right for you. Typically, you would link the app to something that can measure your steps like your phone's pedometer, Google Fit or Fitwatch.

Payment proof

By using my referral code, you get a head start with 1,000 coins.

https://macadam.app/i/b87d8r?v=1

Ref code: B87D8R

iFast is a digital UK bank that gives both of us £5 for signing up. You also get an extra £100 if you refer 3 people and they switch their salary payments to iFast. This means you could earn £105. They offer early salary payments where you get your salary a working day earlier with them.

There are no foreign transaction fees for using your debit card. They run some good promotions in the past such as 2% cashback and there's an upcoming Scan and Pay coming out that lets you pay in local currency in foreign countries through QR codes from your UK bank account. It's a nice backup option in case your card gets declined while on holiday. I plan to use it on my holidays in Sri Lanka and Nepal.

For your £5

You need apply for an account between 8 March and 30 June then deposit £500. The £5 is paid the next day after your deposit. You can withdraw the £500 deposit in the account after you receive the £5.

• Sign up with my referral link
• Complete the ID checks and verification
• Deposit £500 or more into your account within 30 days of opening your account
• Receive £5 into your account the next day after the deposit

Payment proof

£5 sign up terms

Non ref

Cheddar is cashback app that gives you money back when you purchase a gift card. They currently have an offer where you get £5 when you purchase your gift card and earn £5 of money back. They cover supermarkets like Tesco and Sainsbury, restaurants, shopping retailers and more.

Cashback is instantaneous after purchase and the withdrawal minimum is at £5.

For your free £5 bonus:

• Download the Cheddar app
• Sign up and link your bank account
• Enter my referral code: XLHYLYY
• Buy a gift card and earn £5 money back within 30 days of signing up
• £5 will be credited to your account

Thank you for using my referral.