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 Money saved through your auto save direct debit or one off top ups can be withdrawn to your bank anytime.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

Hi all,

American Express UK have brought back the limited time boosted offer of 45,000 points when you sign up using a referral link and spend £5000 within the first 6 months. The offer is running until 26th May 2026 (ending soon)!.

The Gold Card is completely free for the first year and £195 from the second year but it can be cancelled after the first year OR you may be able to ask for a retention offer where you may be offered some bonus points for a certain spend.

Benefits of the Gold Card include:

- Points on all your spending, 1 Membership Reward point for every £1 spent plus double points when booking directly with airlines

- 2 x £5 Deliveroo credit every month (£120 a year)

- 4x Priority Pass Lounge visits to use at 1,300 airports worldwide

- Discounts and offers from various retailers

- Ability to convert to airline points worth hundreds of pounds allowing economy returns flights/business class upgrades - my favourite perk by far!

Referral sign up (45k bonus): Click Here

I’ve been using the Gold Card for a while and recommend having a look and seeing if it works for you!

Non-ref link

Send £100 to a foreign currency account and get £10 off (so you pay only £90).  

If you don't tend to send money abroad, the trick here is to send it to your own foreign currency bank account.  

Options for the foreign account:

• Your own Worldfirst Euro account

• Your own Wise Euro account

  

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Steps for this offer:

1. Sign up through this link

2. Make a transfer of at least £100 (the £10 discount will show at checkout) to your foreign currency bank account. When asked to choose the destination bank scroll down to Wise.

3. You'll need to enter the IBAN rather than the sort code and account numbers we use in the UK.

4. The money should arrive in a few days. Convert it into GBP and send it back to your normal bank account.

  

  

ID wasn't needed for me when sending the transfer but it was needed afterwards, while they verify the transfer.

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Note that:  

• Remitly charge a £1.49 fee per transaction. So you will pay £91.49 to receive €114.45 if using easy bank transfer (open banking protocol) or €113.13 if using debit card or google pay.

• When exchanging the foreign currency into GBP you will lose some of the profit in fees. It varies but my profit was around £8

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You might not automatically be able to refer others.  

But if you do get a referral link, you can invite 20 people max, at between £10 and £30 each.

No ref link: www.remitly.com  

Terms: https://www.remitly.com/gb/en/home/referral-offer-program

#Klarna | £10 Free for Making 3 x £5 Purchases | Plus £40 for Referring Friends

Klarna are offering new customers a £10 bonus for making 3 purchases of £5 or more using your Klarna virtual card.

Note the terms have been updated and transfers, top ups and financial services don’t count towards the 3 spends. You could buy 3 x £5 gift cards at a supermarket using your Klarna card.

As at 22:30 Wednesday 20 May I have 8 of 10 referrals available.

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Steps:

• Click the link below and enter your email address.
• Download the app, click to create an account, enter your mobile number, and use the same email address when prompted.
• You should see “Your friend gifted you £10”.
• Chose the Basic free card and the free Standard plan.
• Verify your identify with a passport or drivers license.
• Add your Klarna card to your digital wallet e.g. ApplePay.
• Go to Wallet to add money. Deposit £15 or more.
• Make 3 purchases of at least £5 each. Note top ups, transfers, and financial services do not count.
• The £10 reward will be immediately credited to Klarna. Go to the Home screen and click the tile which shows £10 cashback. Next click redeem and then the arrow. Enter £10 and confirm and transfer.

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Huge thanks if you use my link.

#https://l.klarna.com/22XC/invite_pi7qjUs1MthoRzmu

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/

Get a free £10 when you sign up to Currensea and use my referral code or link below. To receive the £10 bonus you need to spend £100 in foreign currency on the card in the first 180 days.

Click here for my referral link!

Referral code: DNVZBL

Currensea is a really clever card that allows you to save money when spending abroad. You link it to your bank account and just use the Currensea card instead of your normal card when spending abroad or on foreign websites. It then converts the transaction to GBP and collects it from your account via Direct Debit - no need to worry about topping it up or trying to second guess how much you will need to convert before you go.

On the free tier, which is the one I use, the first £500 you spend in foreign currency each month has no conversion fee, with a reasonable 1% added after that. You can also withdraw £200 worth of foreign currency from an ATM each month without any conversion fees, making this a great card to carry as a backup.

The non-referral link with no bonus is:

https://www.currensea.com

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!!

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!!

Rakuten is a cashback platform like TCB and Quidco in which you can earn money back on your purchases. They're currently offering £25 bonus cashback on a £60 spend for a large number of retailers.

Here's the guide:

1. Sign-up via a referral link: here's mine.
2. Link your bank account.
3. Make £60 worth of purchases from these brands.
4. Profit!

Notes:

• The £60 spend doesn't have to be in one transaction.
• You have 90 days to complete the offer.
• Cashback payout times are variable.
• You must accept all cookies and preferably use Chrome guest mode to enable tracking of cashback.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUK members for max profits. Thanks to anyone who uses my link!

Non-Referral

Wealthyhood is a trading platform designed to offer a comprehensive and user-friendly investment platform for individuals seeking to manage their finances and build wealth over time. The platform is widely recognised for its intuitive design and personalised investment strategies, allowing users to tailor their portfolios according to their specific financial goals and risk tolerance.

To receive your free share valued between £5 - £200, simply;

• DM me or start a chat for a referral link (the referral links are single-use)
• Sign-up, verify your account, and create your portfolio
• Deposit and invest £100 into your portfolio within 7 days
• Receive your FREE £5-£200 share within a few days
• Your free share can be sold and withdrawn after 60 days

Their basic plan is completely free to use! (Annual management fee - 0.18%, charged monthly)

You can withdraw your initial deposit after you receive your free share, should you wish to.

Refer your friends and family to receive an additional free £5-£200 share for each person that completes the steps above!

If you have any questions then please don't hesitate to ask.

^(Send me a message here for a referral link)

^(non-ref)

^(T&Cs/FAQs)

InvestEngine is an investment platform that allows you to invest in exchange-traded funds (ETFs).  

There's no set up fees, no monthly fees, no withdraw fees, no dealing fees, and no ISA or SIPP fees as long as you chose the DIY portfolio.

Steps to take:

1. Sign up by clicking this referral link

2. Choose Investor type 'Individual', enter your email address, choose a password

3. Finish registration (note you need your NI number) and verify your email address when prompted.

4. Click 'Create ISA', then 'Do it yourself', This is so you don't get fees.

5. Invest £100 and leave it in for 12 months.

6. Receive a notification in app and an email letting you know the value of the bonus. Click to claim it and the funds will go into your cash account immediately.

Share amount	Probability
£20 - £24	75%
£26 - £40	20%
£72 - £100	3%
£150 - £200	2%

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They only provide ETF's, which are funds that hold a range of stocks, rather then individual stocks. This is ideal for beginners as it's comparatively safer as you are hedging your bets rather than risking it all on one company (stock).  

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You'll get a free bonus between £20-200. The probability is weighted so it's obviously more likely you'll receive towards the bottom end of the scale.  

I actually think you don't even need to invest the money, leaving it as 'cash', as I have tested that. However, the terms state you do so it's probably safest to invest it.

Referral link

Shout if you have any questions  :-)

Non referral link (no bonus) www.investengine.com

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Currensea is a top travel debit card for spending money abroad. You just link it to your bank account and the money spent is paid back via direct debit, so it cleverly avoids non-sterling transaction and ATM fees.

They're currently offering a £10 cash bonus when you sign up via a referral link and spend £100 in foreign currency.

Here's how to get your £10 cash reward:

1. Sign up to Currensea via my £10 referral link here + enter referral code: KLSZTH
2. Choose the free 'Essential' plan and link a bank account. Currensea supports all the major banks
3. Request your free debit card (arrives in a few days) and spend £100 in foreign currency (can't be £GBP) online or abroad within 6 months of account opening
4. Your £10 reward will be credited via bank transfer to your linked bank account within 5 days of fulfilling the above (you'll also receive an email)

MY HOT TIP: Often, when you book a hotel for a holiday online, you have to pay in the currency of the hotel. This counts as foreign spend, so you could pay using your Currensea card to activate your bonus without needing to wait until your holiday! Just make sure it's over the equivalent of £100 GBP. Otherwise, it's a brilliant travel debit card as there's no need to faff around with topping up since it links to your bank account via direct debit.

Perks and notes:

• No weekend charges, no foreign currency purchase fees, no dormant card fees, no non-sterling transaction fees!
• Free ATM withdrawals up to £500 per month
• Has Mastercard chargeback protection
• Currensea makes money by charging a nominal 0.5% mark-up on the Mastercard exchange rate

LINKS:

• Referral link for £10 bonus here + enter referral code KLSZTH
• Non-referral: https://www.currensea.com/