u/TopPomegranate4432

Ribbon Rewards is a brilliant platform that rewards you in gift cards just for paying your rent!

They're currently offering a boosted £25 bonus when you sign up through a friend and make your first rent payment. There are no fees for using the service!

£25 boosted Ribbon Rewards referral link: Sign up for your £25 welcome bonus via my referral link here, friends

And if needed, enter code: KATEAFBF

How it works: It's a great way to get money back on rent that you're already paying. Just enter your landlord's bank details, pay the rent money into your allocated Ribbon account and they'll automatically forward it to your landlord whilst tracking your cashback. Once you've paid a month's rent, you'll be able to claim your gift card instantly.

My experience: Worked perfectly for me! And it works for service charges or housing schemes like Shared Ownership where you pay partial rent to a housing association. I gave Ribbon my landlord's bank details, paid rent into my allocated Ribbon account and it showed up instantly. I didn't even need to check with my landlord because they confirmed that my rent was safely received the same day! I claimed my gift card instantly after making my payment, so I'm very happy! If you'd like to sign up, I'm happy to be your referring friend 😊

The £25 boosted welcome bonus (usually £10) plus ongoing 1% cashback is a great perk! You can redeem gift cards from Amazon, Deliveroo, Uber Eats, Nandos, Apple, Nike, John Lewis, Argos, ASOS, Asda, Sainsbury's, Morrisons, M&S, Avios points and more!

That's it - enjoy! 😊

Non-referral: https://www.ribbonrewards.io/

Raisin UK is a savings marketplace that lets you access savings accounts from one simple platform.

They're currently offering new customers a free £100 bonus (on top of the usual interest rate) when you open a 1-Year Fixed Rate Savings account and save £10,000 or more. The bonus arrives in your Cash pot, so you can withdraw it straight to your bank account!

All savings accounts on Raisin are FSCS-protected and DGS-protected (the European equivalent).

I have an active Raisin UK account (fixed rate), so have a full set of referrals to share with friends!

How to get your £100 cash bonus with Raisin:

1. Sign up via my referral link for £100 on Raisin here
2. Open a 1-year Fixed Rate Bond with a minimum of £10,000 to qualify for the bonus
3. After 28 days, the £100 bonus will land in your Raisin Cash account - you can withdraw to your bank account from there
4. You'll also be earning interest on your savings, so enjoy that when it comes too!

That's it - enjoy your bonus and interest! 😊

LINKS

• Referral link (£100 bonus) here
• Non-referral: https://www.raisin.co.uk/about-us/

Octopus Energy recently became the UK's biggest energy provider (bigger than British Gas)! They have a generous refer-a-friend scheme where you earn a free £50 credit when you switch your energy to them. You're eligible if you have a smart meter, standard meter or economy 7 meter. A plus: NO FEES if you decide to switch out elsewhere at any time!

How to get your free £50 bonus with Octopus Energy:

1. Sign up to Octopus using my £50 refer-a-friend link here
2. Enter your post code and answer questions about your current energy use to receive a price quote. Click "Sign me up" to see the details about the proposed tariff, then confirm the switch once you’re happy.
3. Enter your gas and electricity meter ID/serial numbers, so have an old bill ready as this info will be on there already. Octopus is brilliant at updating you via email on the whole process with what you need to do at each step.
4. Your £50 reward will be credited to your account after your first direct debit has been taken - I received mine 2 weeks after the direct debit.

My hot tips:

• When getting your quote, enter your “actual” energy usage using an old bill instead of using the “low, medium, high” options to keep your direct debit payments accurate
• In your online account, you can reduce your monthly direct debits if you think they're too high - I lowered my mine by about 70%!

My experience + timeline:

I switched from Shell Energy to Octopus as it worked out cheaper across the board for both gas and electricity, so the £50 was a total bonus. The £50 was applied to my account less than 2 weeks after my first direct debit was taken and the switch process was probably the smoothest I’ve ever experienced. If you have a smart meter, you can also win free Gregg's and get discounted cinema tickets each week as a perk!

LINKS:

• Referral link here (for £50 bonus)
• Non-referral link (no bonus): https://octopus.energy/

Quidco is a hugely popular cashback site (similar to Topcashback and Rakuten) that gives you money back on your shopping!

They're offering a free £10 bonus (on top of your usual cashback) when you sign up via referral and earn at least £5. You can then cash out via bank transfer or Paypal, or choose a gift voucher and receive a boosted amount.

There are so many free money offers on there too, so don't settle for just hitting the £5 threshold!

How to get your £10 bonus on Quidco:

1. Sign up via my referral link here
2. Go via Quidco when you do any online shopping to earn cashback on those transactions
3. Once you've accumulated £5, the £10 bonus will be added to your account
4. Withdraw to your bank or Paypal account, or choose a gift voucher - the amount will be boosted a little with this option!

My experience: I've now made over £300 with very little effort, mostly from their enhanced bonus offers when you spend any amount with certain retailers – so look out for those!

LINKS

• Referral link here for £10 bonus
• Non-referral: https://www.quidco.com/

Zilch is a popular payments app and card with over 5 million customers that lets you earn cashback at hundreds of companies.

It is currently offering an instant £5 bonus for new customers who successfully sign up through a friend. It recently simplified its referral scheme, so now, qualifying for the referral bonus is instant - you just need to upload and verify your ID! Note: a credit check will be performed.

My steps to receive your free £5 bonus on Zilch (no spend needed)

1. Sign up using my £5 Zilch referral link here
2. Upload your ID - a passport or driving licence is needed. I got an email immediately afterwards to say I had been verified, so it should be an instant decision
3. Link a bank card and add your Zilch virtual card to your digital wallet i.e. Apple Pay/Google Pay if you wish to use it in future
4. The bonus will be applied automatically. You can then spend this online or in-store - just select the retailer before you shop and toggle the slider to apply the reward to your purchase

My experience: The app can be a bit slow, so I recommend loading it while you're in the queue to avoid awkward delays in front of your cashier (speaking from experience 😊). Once loaded, pick your retailer in the app, choose to pay with your Reward bonus and use your Apple/Google Wallet to tap to pay. The amount will be deducted from your Rewards balance. And you don't have to spend it all in one go, any remaining balance can be used on your next purchases!

LINKS

• Refer a friend link here (£5 bonus)
• Non-referral: https://www.zilch.com/uk/

SimplyCook is a recipe kit company that provides the sauces, mixes, herbs, spices etc to help you make various delicious meals. I got my box worth £9.99 completely free through a referral (instead of paying £1.98 for delivery when going direct).

NOTE: this is different from a food delivery kit like HelloFresh or Gousto, as you have to buy your own fresh ingredients i.e. meat, veg etc. What's the point then? Well, you can cook the meals WHEN you want, supplementing out ingredients to suit your tastes, without being pressured by expiry dates because you can't cook it all in time!

If you sign up via referral, you can receive a box containing four recipe kits of your choice + free delivery (so 100% free!).

Here are my steps:

1. Sign up via my referral link here for your free SimplyCook box + free delivery
2. Choose four recipes (you can choose multiple of the same if you'd like)
3. Go to Checkout. You have to enter card details BUT don't worry, you won't be charged (you'll see your full order is £0).
4. If you don't want to remain subscribed, remember to cancel the subscription online (although, wait until after you've received the package!): Go to Account > Profile icon > Manage subscription > Cancel. That's it, no awkward phone calls needed!

LINKS:

• Referral link: free box of 4 recipes kits (+ free delivery)
• Non-referral: https://www.simplycook.com/

Ribbon Rewards is a brilliant platform that rewards you in gift cards just for paying your rent!

They're currently offering a boosted £25 bonus when you sign up through a friend and make your first rent payment. There are no fees for using the service!

£25 boosted Ribbon Rewards referral link: Sign up for your £25 welcome bonus via my referral link here, friends

And if needed, enter code: KATEAFBF

How it works: It's a great way to get money back on rent that you're already paying. Just enter your landlord's bank details, pay the rent money into your allocated Ribbon account and they'll automatically forward it to your landlord whilst tracking your cashback. Once you've paid a month's rent, you'll be able to claim your gift card instantly.

My experience: Worked perfectly for me! And it works for service charges or housing schemes like Shared Ownership where you pay partial rent to a housing association. I gave Ribbon my landlord's bank details, paid rent into my allocated Ribbon account and it showed up instantly. I didn't even need to check with my landlord because they confirmed that my rent was safely received the same day! I claimed my gift card instantly after making my payment, so I'm very happy! If you'd like to sign up, I'm happy to be your referring friend 😊

The £25 boosted welcome bonus (usually £10) plus ongoing 1% cashback is a great perk! You can redeem gift cards from Amazon, Deliveroo, Uber Eats, Nandos, Apple, Nike, John Lewis, Argos, ASOS, Asda, Sainsbury's, Morrisons, M&S, Avios points and more!

That's it - enjoy! 😊

Non-referral: https://www.ribbonrewards.io/

Capital on Tap is a reward credit card for small businesses and people who are a Director or majority Shareholder of a Limited Company (Ltd) or limited liability partnership (LLP) registered on Companies House.

They’re offering a £75 reward (7,500 points) for those who open a credit card via a referral and make one transaction (any amount) on the card. Plus, there’s 1% uncapped cashback when you spend on the card. They also specifically say: "Applying won’t affect your credit score".

How to get your free £75 reward (7,500 points) with Capital on Tap:

1. Sign up using my refer a friend link here
2. Enter 2REFM892N33 in the promo code section if it hasn't already been pre-filled
3. Complete your application and ID process (I had a follow-up email asking to confirm my business activities, no documents needed, just an email response – I literally typed out one sentence and they approved it)
4. Activate your physical card when it arrives and make your first purchase (any amount) within 30 days of activation
5. The 7,500 points will land in your Rewards section. Redeem it for £75 cash (to your bank account - my favourite option), credit, gift cards or even 6,000 Avios points!

Notes:

• Sole traders aren't eligible, you need a Limited company registered at Companies House.
• Your company should have a turnover of at least £2,000 per month (that's what they say)

My experience: Immediately after making my first transaction (bought some stamps from the Post Office), my phone pinged with an alert saying a £75 credit had been applied, so the offer worked perfectly and instantly. Screenshot here. I'm very happy with it and have ended up being a solid customer - I'm still using it as my main business card years later for the 1% cashback!

LINKS:

• Refer a friend link here for the free £75 reward + enter code 2REFM892N33
• Non-referral: https://www.capitalontap.com/en/

Quidco is a hugely popular cashback site (similar to Topcashback and Rakuten) that gives you money back on your shopping!

They're offering a free £10 bonus (on top of your usual cashback) when you sign up via referral and earn at least £5. You can then cash out via bank transfer or Paypal, or choose a gift voucher and receive a boosted amount.

There are so many free money offers on there too, so don't settle for just hitting the £5 threshold!

How to get your £10 bonus on Quidco:

1. Sign up via my referral link here
2. Go via Quidco when you do any online shopping to earn cashback on those transactions
3. Once you've accumulated £5, the £10 bonus will be added to your account
4. Withdraw to your bank or Paypal account, or choose a gift voucher - the amount will be boosted a little with this option!

My experience: I've now made over £300 with very little effort, mostly from their enhanced bonus offers when you spend any amount with certain retailers – so look out for those!

LINKS

• Referral link here for £10 bonus
• Non-referral: https://www.quidco.com/

Sky is currently offering its £8 a month SIM Only plan (unlimited calls and texts, 1GB data) for just £1 a month for a limited time.

Even better, when you sign up through a friend, you get a £15 gift voucher after 60 days. Essentially, you get a free SIM Only plan for a whole year, £3 profit and a handy direct debit (useful for bank switching). Also, if Sky Mobile raises their prices in March/April 2027, you're entitled to leave termination-fee free.

Open to new or existing Sky customers who subscribe to Sky Mobile for the first time.

You'll also get access to the Sky VIP rewards programme. It lets you claim a free treat (pizza, cookies, smoothies, ice lollies, crisps etc) at Sainsbury's each week, free Paramount+ for 9 months, competitions etc.

Sky will run a credit check and their system is quite sensitive so ensure you enter your details carefully.

Here's how to sign up:

1. Sign up to Sky via my referral link here, friends
2. Purchase the Sky Mobile £1 a month SIM Only package
3. 60 days after you've joined Sky and paid your first bill, you'll receive an email with details to select your voucher

That's it, enjoy your SIM plan and reward when it lands! 😊

LINKS

• Referral link here (£15 gift voucher)
• Non-referral (no voucher): https://www.sky.com/shop/mobile/plans/
• Terms

Zilch is a popular payments app and card with over 5 million customers that lets you earn cashback at hundreds of companies.

It is currently offering an instant £5 bonus for new customers who successfully sign up through a friend. It recently simplified its referral scheme, so now, qualifying for the referral bonus is instant - you just need to upload and verify your ID! Note: a credit check will be performed.

My steps to receive your free £5 bonus on Zilch (no spend needed)

1. Sign up using my £5 Zilch referral link here
2. Upload your ID - a passport or driving licence is needed. I got an email immediately afterwards to say I had been verified, so it should be an instant decision
3. Link a bank card and add your Zilch virtual card to your digital wallet i.e. Apple Pay/Google Pay if you wish to use it in future
4. The bonus will be applied automatically. You can then spend this online or in-store - just select the retailer before you shop and toggle the slider to apply the reward to your purchase

My experience: The app can be a bit slow, so I recommend loading it while you're in the queue to avoid awkward delays in front of your cashier (speaking from experience 😊). Once loaded, pick your retailer in the app, choose to pay with your Reward bonus and use your Apple/Google Wallet to tap to pay. The amount will be deducted from your Rewards balance. And you don't have to spend it all in one go, any remaining balance can be used on your next purchases!

LINKS

• Refer a friend link here (£5 bonus)
• Non-referral: https://www.zilch.com/uk/

Monument Bank is a well-known bank offering ISAs and savings accounts. They have full FSCS protection, so your savings up to £120k are fully protected.

They're offering a £30 cash bonus (you'll also earn interest) for new customers who open an account via the app, make an eligible deposit and hold it for 3 days until the bonus is awarded. You can withdraw immediately after it lands.

I've had a savings account with Monument for years as they often had the highest paying interest rates, so I can refer friends all-year-round if you need a friend!

How to get your £30 bonus with Monument:

1. Sign up via my Monument referral link here
2. Download the app and complete your application (NI number needed)
3. To receive the bonus, deposit £10k into an ISA or £25k into a savings account (Easy Access Saver will do)
4. Once the funds have cleared, the bonus will be paid directly into your bank account within three days (but it's usually paid the next day)!
5. You can withdraw your savings elsewhere immediately if you wish

That's it - enjoy! 😊

Links:

• £30 referral: Sign up via my referral link here, friends
• Non-referral: https://www.monument.co/
• Terms

CashInStyle is one of the higher paying "Get Paid To" websites (available worldwide) that lets you make money by playing games (what I use it for), doing surveys and more. It's similar to sites like Earnlab, InboxPounds, RewardXP and Gemsloot but seems to be among the higher paying sites, which is why I use it for some games (it's best to compare across multiple sites to get the best deal).

Earnings are in $ USD by default but can be converted to whatever currency you use. Cashing out via Paypal is the easiest option and takes 1-2 working days (only took a day for me). The minimum cash-out is just $2 (approx £1.50 in GBP), so a super easy threshold to reach.

SIGN UP | CashInStyle referral link: Sign up via my referral link here

Or enter code: playforcash

My experience: I wrapped up my first game (DC Dark Legion - very easy, I highly recommend it) recently on CashInStyle, which netted me about £35 profit! Tracking for all my milestones and purchases tracked instantly, albeit with a 2-week holding period on my highest milestone, but that's fine since the most important thing is that it tracked. I cashed out via Paypal and received the funds the next day! Am very happy to recommend it if you fancy earning a bit of cash for playing games on your phone or PC in your spare time too!

Happy gaming and earning! 😊

Links:

• Referral link here + enter promo code: playforcash
• Non-referral: https://cashinstyle.com/

Ribbon Rewards is a brilliant platform that rewards you in gift cards just for paying your rent!

They're currently offering a boosted £25 bonus when you sign up through a friend and make your first rent payment. There are no fees for using the service!

£25 boosted Ribbon Rewards referral link: Sign up for your £25 welcome bonus via my referral link here, friends

And if needed, enter code: KATEAFBF

How it works: It's a great way to get money back on rent that you're already paying. Just enter your landlord's bank details, pay the rent money into your allocated Ribbon account and they'll automatically forward it to your landlord whilst tracking your cashback. Once you've paid a month's rent, you'll be able to claim your gift card instantly.

My experience: Worked perfectly for me! And it works for service charges or housing schemes like Shared Ownership where you pay partial rent to a housing association. I gave Ribbon my landlord's bank details, paid rent into my allocated Ribbon account and it showed up instantly. I didn't even need to check with my landlord because they confirmed that my rent was safely received the same day! I claimed my gift card instantly after making my payment, so I'm very happy! If you'd like to sign up, I'm happy to be your referring friend 😊

The £25 boosted welcome bonus (usually £10) plus ongoing 1% cashback is a great perk! You can redeem gift cards from Amazon, Deliveroo, Uber Eats, Nandos, Apple, Nike, John Lewis, Argos, ASOS, Asda, Sainsbury's, Morrisons, M&S, Avios points and more!

That's it - enjoy! 😊

Non-referral: https://www.ribbonrewards.io/

Raisin UK is a savings marketplace that lets you access savings accounts from one simple platform.

They're currently offering new customers a free £100 bonus (on top of the usual interest rate) when you open a 1-Year Fixed Rate Savings account and save £10,000 or more. The bonus arrives in your Cash pot, so you can withdraw it straight to your bank account!

All savings accounts on Raisin are FSCS-protected and DGS-protected (the European equivalent).

I have an active Raisin UK account (fixed rate), so have a full set of referrals to share with friends!

How to get your £100 cash bonus with Raisin:

1. Sign up via my referral link for £100 on Raisin here
2. Open a 1-year Fixed Rate Bond with a minimum of £10,000 to qualify for the bonus
3. After 28 days, the £100 bonus will land in your Raisin Cash account - you can withdraw to your bank account from there
4. You'll also be earning interest on your savings, so enjoy that when it comes too!

That's it - enjoy your bonus and interest! 😊

LINKS

• Referral link (£100 bonus) here
• Non-referral: https://www.raisin.co.uk/about-us/