Rakuten is a cashback site where you earn cashback when shopping through their links. They currently have a referral offer where you get a £25 bonus after signing up with a referral link and spending £60 (£50 excluding VAT) through Rakuten within 90 days. You’ll also earn the normal cashback offered by the retailer on top of the £25 bonus.

To get the £25 Bonus:

1. Sign up using this Referral Link
2. Link your bank account or PayPal, this is where your cashback and bonus are withdrawn to
3. Either using their website or app, search for the retailer you want to purchase from. Click through, shop as usual and spend £60 (£50 excluding VAT). It doesn’t necessarily need to be one single purchase, you can spread the spend across different retailers
4. Receive your £25 bonus + any normal cashback earned

Rakuten has cashback available at a large number of retailers, including places such as eBay, Tesco, Sainsbury’s, M&S, Argos, Currys, Boots, Superdrug, AliExpress and many others.

Useful tips:

• Make sure cookies/tracking are enabled before purchasing
• Ad blockers can sometimes interfere with cashback tracking, so it may be worth disabling them while making the purchase
• Check the cashback rate on Rakuten against TopCashback and Quidco first, as the best rate can vary between sites

Thanks to anyone who uses my referral link - really appreciate it!

non-referral

Monzo is a fully licensed UK digital bank (FSCS protected) that lets you open and manage current and savings accounts entirely through their mobile app. You get a debit card, real-time spending notifications, budgeting tools, and fee-free card spending abroad, which is handy for travel.

They’re currently running a refer-a-friend offer for new customers. If you sign up using a referral link and make a card payment (of any amount), both you and the referrer receive a cash bonus.

How the reward works:

• The bonus is a mystery amount
• You’ll receive either £10, £20, or £50
• Most people receive £10, with smaller chances of higher amounts
• The reward is revealed once the sign-up steps are completed

Steps for receiving the reward:

1. Sign up to Monzo using this Referral Link
2. Open a Monzo current account
3. Add some money to the account
4. Make at least one card payment (no minimum spend)

Once that’s done, the bonus is revealed and paid into your account. These are the probabilities of each reward:

£10 (94%), £20 (5%) and £50 (1%)

After joining, you get your own referral link and can share it with others. If you’re thinking of opening a Monzo account, here is my referral link (thanks a lot!):

https://join.monzo.com/c/8fb1zglb

Zopa is a fully licensed and regulated (FSCS-protected) digital bank that offers current accounts, savings, and loans. They also offer pretty good savings rates and the opportunity to get cashback on direct debits.

Right now, they are offering new customers £20 to open a Biscuit current account via a refer-a-friend link and making 3 card transactions. This is a straightforward offer and one of the quickest.

How to get the £20:

1. Sign up using this Referral Link
2. Enter your mobile number and download the Zopa app
3. Open a Biscuit current account in the app
4. Make at least 3 card transactions online or in store (could be any amount) within 30 days
5. Once this is done, £20 is credited to your account

Other benefits of Zopa:

• 7.1% AER regular saver, allowing deposits of up to £300 per month
  • If you deposit the maximum £300 each month for 12 months and the rate stays the same, you could earn up to ~£137 in interest
• 2% AER interest on the current account balance in the first year (no limit on the interest you can earn)
• 2% cashback on your everyday Direct Debits
• No overseas card spending fee

Once you’ve joined Zopa, you’ll get your own referral link, which you can use to refer others and earn £20 per referral. For some people, the referral link can take a little time to appear in the app. This seems to vary by user, but it does show up once the requirements are completed.

See how the benefits compare against some of the other accounts here

TapTap Send is an international money transfer service based in London, with additional offices globally. They’re currently offering £5 free towards your first transfer when you sign up with a referral code and make a transfer of £25 (or above).

The £5 bonus is added on top of your transfer, so you effectively send £25 and receive ~£30 in the destination account. I personally sent it to my own Wise Euro account and made around £4.72 net after deducting the currency conversion fee.

How to do it:

1. Download the TapTap Send app from the App Store or Google Play and sign up.
2. Start a transfer and choose a country to send to (e.g. Belgium if sending to a Wise EUR account).
3. Tap “Add promo code” and enter the code: ASIF3488
4. Enter personal details (name, DOB, UK address).
5. Pay by debit card or bank transfer. The transfer arrives almost instantly.

Once the money lands in your Wise/Revolut, convert it back to GBP and send it to your UK bank. You should end up with around £4.65-£4.85 profit after conversion.

If you want to get the best value from your money transfers, Wise is the account for you. Offering some of the best exchange rates available, Wise makes international transfers easy and cost-effective. Currently they're offering a zero-fee money transfer of up to £500 to new users who sign up via a referral link.

Why choose Wise?

• Wise converts your money using the true mid-market rate, the best rate you'll get with any money transfer service.
• Hold and manage multiple currencies, making it perfect for frequent travellers and international business dealings.
• No hidden fees. Wise provides a clear breakdown of all costs involved in your transfer.

To claim your fee-free transfer:

1. Register using this Referral Link 
2. Complete ID verification
3. Once verified, that's all done. You are ready to make your first transfer for free up to £500

Referral Program:

Once you have opened your account, you can share your own referral link with others to earn a referral bonus. Everyone gets a different referral bonus option. For me, I get £10 for every referral that makes a cross-currency transfer of at least £200 or equivalent (this total can be reached over multiple transactions) OR spends £200 with their Wise debit card. You can find out yours once you're signed up.

non-referral link: https://wise.com/

PayPal likely needs no introduction, but for those who aren’t familiar with it, it is an online payment system that makes it easy to send and receive money using only an email address. It is widely recognised and accepted as a payment option in almost every online shopping system around the globe.

Currently they are offering new users a free £10 when they sign up with a referral link, then spending or sending £5 to friends or family. Plus, there is an extra £10 for every friend they refer (up to £100).

This offer ends on 30 June 2026.

Here's how it works:

1. Sign up using this Referral Link
2. Link your bank account or credit/debit card
3. Verify your account with your phone number
4. Spend £5 via PayPal or send £5 to a friend or family member, within 30 days of signing up
5. £10 should be credited to your account within two weeks

If I were you, I would simply send the fiver to a family member or friend, and then ask for it back. This will qualify without you needing to spend anything. Once you have joined, you can share your own referral link with friends and family which will give you and them £10 each per successful referral, up to £100.

T&Cs

non-ref: https://www.paypal.com/uk/home (no bonus)

Klarna is a well-known fintech company (known for “buy now, pay later” service), and they’ve recently launched a debit card with a refer-a-friend bonus, open to both new and existing customers (without a debit card).

What you get:

• £10 free after completing a few simple steps
• Then £40 per friend you refer (up to 10 people)

Steps:

1. Sign up using this Referral Link and accept the invite
2. Sign up for the Klarna Debit Card (can be added to Apple Pay / Google Pay)
3. Make 3 transactions of £5 or more

Once done, the £10 is credited to your Klarna cashback balance, which you can withdraw to your bank account.

You’ve got 30 days from signup to complete the 3 transactions. This should be rather straightforward - just use the card for things you’d normally buy anyway (lunch, groceries, fuel, etc.). For me, the reward came through straight after the third transaction.

The best part is once you are signed up, you get your own referral link which you can share with others - you can make up to £400 (max 10 referrals) when others join through you.