OakNorth are a UK bank regulated by the FCA AND FSCS protected. They have good reviews on Trustpilot, and I’ve started using them recently without any issues.

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They currently have a promotion where we can get £30 each, when you sign up with my referral and follow a few simple steps.

Many thanks if you use my link. I should reply quick.

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Here's how to get £30 each:

(1) Send me a message. I typically reply fast.

(2) Complete the Referral Form with my details.

(3) Shortly after, you will receive an email to open a savings account.

(4) Open an account (takes about 5 min.) and choose a savings account. I opted for the 95-days Notice Base Rate Tracker.

(5) Deposit £2,000 or more via bank transfer within 14 days. Money will take a few min. to arrive and you will receive an email confirmation.

(6) The free £30 each will be awarded within 60 days.

(7) Optional step: open a second savings account for the same period, again, depositing £2,000 or more, for an extra £10.

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Offer Terms

#Monument Bank | Deposit £10,000 into a Cash ISA get £30 Free | 4.34% Easy Cash ISA Boosted Rate | Ends 27 August

Monument Bank is a UK bank authorised by the FCA with a 4.7 Trustpilot score. Deposits are protected up to £120,000 per person.

Monument Bank are offering new customers who either open and deposit £10,000 or more into an Easy Access Cash ISA, or £25,000 or more into any other savings account, a £30 reward. This includes transferring an ISA balance of £10,000 or more from another provider to Monument.

The Easy Access Cash ISA allows transfers in from other providers. I transferred my Moneybox Cash ISA to Monument.

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Steps:

• Click the referral link below and enter your mobile number.
• Download the Monument Bank app.
• Select either the Easy Cash ISA or other savings account.
• Enter the same mobile number as entered in the first step during the registration process.
• Either deposit £10,000 or more into an Easy Access Cash ISA or transfer an ISA from another provider. To do this click on "Easy Access Cash ISA", then "Make your first deposit", finally "Transfer in from an existing cash ISA".
• Alternatively, deposit £25,000 or more into a savings account.
• The £30 reward will be paid into your linked bank account within 3-working days.

Huge thanks to anyone using my link.

#https://join.monument.co/dec1bc1c-24fc-4ae7-a108-69061ce52c45

TopCashback is IMO the most generous cashback website with the highest rates and best deals. They are currently offering a £10 bonus to new members who sign up via a referral link and earn £10 worth of cashback.

Here's the guide:

1. Sign up via a referral link. Here's mine.
2. Make a purchase/s via TCB's website to earn cashback.
3. Once you've earned £10 you will receive your additional £10 bonus.
4. Profit!

Cashback isn't just about saving money, many of the deals are extremely profitable. Here's a small selection of profitable deals: (The bank deals are in addition to switching bonuses when available). The value of the deal varies in time and they often come and go.

• Scottish & Friendly ~£315
• Shepherds Friendly ~£320
• MoneyFarm ~£300
• Santander ~£180
• Sage ~£80
• Tide ~£100-200
• TSB ~£40
• First Direct ~£45
• VPN deals.
• Many others.

To improve tracking, when clicking through to a deal use Chrome browser in guest mode and accept all cookies from both TCB and the website your being redirected to.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUk users for max profits!

Thanks to anyone using my link.

• Non-referral
• Terms

Lloyds bank have brought back their rather easy-to-fulfil Refer-a-Friend offer. If you're new to Lloyds and open an eligible current account through a referral link, you'll receive £30, and the referrer gets £30 too.

How it works

• Download the Lloyds app using someone's referral link, here is my Referral Link
• Open an eligible current account (listed below)
• Keep the account open until the reward is paid, the £30 should arrive within 35 calendar days of opening your account

Eligible accounts

• Basic Current Account
• Classic Account
• Club Lloyds
• Lloyds Premier
• Silver
• Platinum
• Club Silver
• Club Platinum

For more info, visit Lloyds Refer a Friend page

Note: The referral link someone generates is valid for 14 days from the date it is generated. Past this point, the referrer needs to regenerate a new link. I have put mine down below, which was generated today,18 August. Many thanks if you decide to use my link (we both receive £30)😊
https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=dUP3/FZYCgFEV1lyNmsNGIm4EqmyOj/YR8dLdhHabeU=#/refer-friend

#InboxPounds | Get-Paid-To Platform | £1 Welcome Bonus

InboxPounds is a UK-based get-paid-to platform where members can earn money by completing online activities such as taking surveys, playing games, and downloading apps.

Ignore the surveys as the rates are comparatively low, instead focus on the games offers. The sub GetPaidToPlay offers guides on how to complete gaming offers efficiently.

The minimum payout threshold is £5 via gift card. Inboxpounds offer new customers, joining via a referral link, a free £1 bonus.

Huge thanks to anyone using my link 👊

#Click here to register

Quidco is one of the main UK cashback sites. You get paid for clicking through their links before you shop, it works with loads of big retailers like ASOS, eBay, Just Eat and Currys.

They’re currently offering a free £10 bonus if you sign up via a referral and earn £5 in confirmed cashback.

How it works:

• Sign up using the link below
• Use Quidco when shopping as normal
• Once you’ve earned £5 in confirmed cashback, you’ll get an extra £10

Cashback can be withdrawn to bank or PayPal, or you can choose gift cards which come with up to 20% extra as a top-up bonus.

They also run regular opt-in bonuses (e.g. extra cashback for groceries or broadband), so worth checking the site/app now and then.

Premium plan: There’s an optional Premium tier which boosts cashback rates (up to ~10% more). It costs £1 per month, but only if you actually earn cashback that month, otherwise nothing is charged. You can turn it off anytime.

Easy ways to hit the £5:

• Sainsbury’s click & collect (~£4.80 cashback on £45+ for new customers)
• First Direct current account (~£20 cashback + £175 switch bonus)
• HSBC credit card (~£30 cashback)

Referral link (gets you the £10 bonus): https://www.quidco.com/raf/13386537/

Cheers if you use it 🙂

If you're thinking about changing energy suppliers, Octopus Energy is often recommended for its customer service and competitive tariffs. It holds an Excellent rating on Trustpilot and is regularly recognised by comparison sites and consumer groups for customer satisfaction.

Using a referral link when signing up gives both the new customer and the referrer £50 account credit, which is added after the first Direct Debit payment has been collected.

Extra Perks for Smart Meter Customers

If you have a smart meter, you'll also be able to join Octoplus, Octopus Energy's rewards scheme. Members can access weekly treats such as free coffees, discounted cinema tickets, prize draws, and occasional bonus credit offers.

How to Get the £50 Credit

1. Sign up using my referral link.
2. Enter your postcode and provide your energy details (having a recent bill nearby helps).
3. Choose the tariff that suits your household and complete the switch.
4. Once your first Direct Debit has been taken, the £50 credit should be applied to your account automatically.

A Few Tips Before You Switch

• Use your latest bill to get the most accurate quote.
• Take meter readings (or photos of them) on the day your switch goes through.
• If you have a smart meter, remember to activate and check Octoplus to make the most of the available perks.

That's all folks!

non-ref

Zilch is a handy payment app that gives new users £5 in Zilch rewards (500 points) when they sign up through a referral link.

There's no deposit or spending requirement to receive the reward.

The app also gives you a virtual card that can be added to Apple Pay or Google Pay and used online or in-store.

You can either Pay Now or choose one of Zilch's Pay Over payment options if you ever want to spread the cost of a purchase.

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Cashback

I've used Zilch for quite a while now and mainly keep it for the cashback:

• 2% cashback at many online partner retailers
• 0.5% cashback when paying at non-partner retailers (online or in-store)

One feature I really like is that you can often stack Zilch cashback with cashback sites like TopCashback or Quidco, giving even better savings.

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Useful tip

I personally use Pay Now, which avoids borrowing fees altogether.

If you ever use one of Zilch's Pay Over options instead, enable your card in the app before you shop. This usually gives you the lowest available fee, and many retailers are fee-free.

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Other things to know

• Must be 18+ and a UK resident
• No hard credit check when signing up
• Zilch may carry out a credit search later if you choose to use borrowing features

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How to get the free £5

1. Sign up using my Referral Link

2. Verify your details and add a debit or credit card

3. Add your Zilch virtual card to Apple Pay or Google Pay

4. Your 500 reward points (£5) will be added to your account, ready to use towards your next purchase

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Thanks very much if you choose to use my referral link!

It takes only a few minutes to complete this offer and profit £4.75+ My profit was £4.83.

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Taptap Send is a money transfer service based in London. It has excellent reviews on Trustpilot.

The steps below are if you are sending the money from UK to your Belgian Wise EUR account.

However, you can also sign up from the EU, USA, UAE, Canada, or Australia, and send to the UK. If you do, then the minimum transfer amounts may be different so please read the Taptap Send Referral Terms.

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Here’s how:

(1) Download the app from the Apple Store or Google Play.

(2) Register. Start a transfer: select a country (I’d suggest sending to your Belgian Wise EUR account) and send minimum £25. Depending on where you are sending from, this minimum transfer amount may differ but if you are sending from the UK, sending £25 (or more) will qualify for the free £5 bonus.

(3) On the same page, add referral/promo code:

CATALIN236

This will add free £5 to the transfer.

(4) Add your details: name, DOB, UK address, and international IBAN (I sent to own Wise EUR account in Belgium).

(5) Pay by direct bank transfer (I chose this) or by debit card. Payment and transfer was instant (might take 1 min. to show in your Wise EUR account).

(6) In Wise, convert your EUR transfer back to GBP, and send to your UK current account. You’ll pocket the free £5. (Profit was £4.83 in my case).

(7) Invite friends and family and earn £5 when they follow the same steps, sending £25+ to their international account.

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#Tembo | Invest £500 in a Cash ISA at 4% | Get £10 to £1,000 Bonus

Tembo are a multi-award winning savings and mortgage platform, regulated by the FCA with an impressive 4.9 Trustpilot score based on almost 2,000 reviews.

Tembo are offering a bonus ranging from £10 to £1,000 for depositing and investing £500 into either a Cash ISA, Lifetime ISA, or HomeSaver account. Both the referrer and referee receive the same bonus. The chance of each bonus is shown in the table.

Bonus	Chance
£10	95%
£15	4%
£50	0.7%
£75	0.2%
£1,000	0.1%

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• Open a new Tembo ISA, Lifetime ISA, or HomeSaver account and fund it with £500 or more within 30 days of claiming the reward in app; or
• Initiate the transfer of an existing ISA or Lifetime ISA with a balance of £500 or more to a Tembo ISA or Lifetime ISA within 30 days of claiming the reward in app.
• The bonus is paid as additional interest and does not count towards the annual contribution limit.
• Both the referrer and the referrer must not cancel, close, transfer, or withdraw (to a balance of less than £500) before the bonus is credited. I am invested for the long term.
• The bonus will be credited within 60 days of the applicable 14-day or 30-day (LISA) cancellation period ending.

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Steps:

• Click the referral link (here) and enter your email address to register for the promo.
• Download the app.
• Choose either a Cash ISA, Lifetime ISA, or HomeSaver account.
• Enter your personal details and using the same email address.
• Connect your bank using Truelayer.
• Deposit at least £500 into your chosen investment. Be careful to set the monthly direct debit to £0 if you only want a one-off investment.
• Wait for the bonus to be credited (see timescales above).

Hugely thankful to anyone using my link 👊

#Click here to register

Sidekick currently have two referral offers for new customers:

>£25 bonus - deposit £1,000 into a savings account and keep at least £1,000 there for 3 months.

>£100 bonus - deposit £5,000 and invest it for 6 months. If your investment falls below £5,000 during that time, you can still qualify as long as you deposited the full £5,000 and haven't made any withdrawals.

You can only complete one of the two offers.

As with any investment, the value can fall as well as rise.

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I've had a Sidekick account since February 2025. Their savings accounts currently pay 4%+ AER, so the £25 offer in particular could be worth considering if you already have £1,000 in savings that you're happy to leave there for 3 months.

Sidekick don't allow referral codes/links to be shared publicly, so [**send me a message**](https://www.reddit.com/message/compose/?to=The_Dying_Swan&subject=Sidekick Referral) if you'd like my referral code. I currently have 10/10 referrals available and I'm happy to confirm once your referral is showing as tracked.

#Chase Current Account | £50 Free for Opening an Account and Depositing £1,000

Chase, the commercial banking arm of J.P. Morgan Chase, is a Which? Recommended Provider and authorised and regulated by the FCA.

Chase are offering new customers or those who have been a been customers for less than 30-days, and deposit a total of £1,000 or more a free £50 cash reward. The £50 is credited immediately and the £1,000 deposit plus rewards can be withdrawn if desired.

As at 20:30 Monday 17 August I have 2 of 5 codes left.

Steps:

• Download the Chase app and open an account.
• Please DM me for a referral code. Codes cannot be shared publicly and using such a code risks the reward not being credited.
• Activate the referral code in the app. Click Rewards > at the bottom of the home screen and enter the referral code.

#Please DM me (here) for a code.