r/beermoneyuk

Sprive - Reduce your mortgage with gift card purchases
▲ 10 r/beermoneyuk+1 crossposts

Sprive - Reduce your mortgage with gift card purchases

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 Money saved through your auto save direct debit or one off top ups can be withdrawn to your bank anytime.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

u/SkyFlyBye — 10 hours ago
▲ 3 r/beermoneyuk+2 crossposts

Make an Easy Extra £20/Month with OnePulse

Want a simple, low-effort way to earn a bit of pocket money? **OnePulse** is worth a look. By answering short surveys called "pulses," you can earn up to **$20 a month**.

**What makes it good:**

• **Fast:** Most pulses are just 3–4 questions and take seconds to finish.

• **Progress system:** Some pulses are unpaid but give you **XP**. As you level up, your earnings per paid pulse go up.

• **Better pay over time:** You start at Level 1 earning **$0.07** per pulse, and can reach **$0.40** per pulse by Level 34.

• **Cashing out:** Withdraw via **PayPal**. There's a $20 monthly limit, but anything extra just rolls into next month — nothing gets lost.

**Updated referral perks:**

OnePulse now has a more rewarding referral setup:

• **Referrers earn:** 50 XP when someone signs up, $0.50 when that person hits Level 3, and $1.00 when they reach Level 7 (and have been active for 7 days).

• **New users earn:** A **$0.50 bonus** when you hit Level 7.

If you'd like to support me, feel free to use my referral code when signing up:

**1NJZS764**

Really appreciate it if you do! You can grab the app on iOS or Android, or check out their website below.

**Non-referral link:** [https://www.onepulse.com/onepulse-app/\](https://www.onepulse.com/onepulse-app/)

reddit.com
u/LiteratureSquare5143 — 8 hours ago

Nationwide Life Insurance £75 Giftcard

I saw that nationwide do a incentive that you'll get £75 amazon or M&S gift card for having a life insurance policy for at least 6 months.

Was wondering if anyone is doing this?

Min £6 per month, meaning it would be free £39 gift card plus having life insurance for 6 months that I didnt have before.

reddit.com
u/Complete_Emu7177 — 10 hours ago
▲ 4 r/beermoneyuk+2 crossposts

AMEX Gold Card - 45,000 boosted offer (ending soon!)

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

u/onestellaplease — 10 hours ago

Eon referral - £50 voucher

I saw someone posted an EDF switch offer recently. I thought I would just point out, no provider is the cheapest in every area and it depends on your area. For me in North Bristol it is Eon.

My recommendation is do a price comparison and see who is coming up cheapest, and if it is EON please consider using my referral link - DM me for the link

Alternatively just take whichever saving you can. That's easy and simple beermoney 😂. None referral link - Here

u/VShaneZ — 10 hours ago

One4all card not working in whsmith/tgjones

I've tried 3 different tgjones/whsmith stores now and when I go to purchase Amazon/Everywish giftcards it says tender not accepted and declines the transaction. This is with the one4all digital card loaded onto my apple pay, anyone else having this issue? Seems to be very recent. Boots worked fine for me.

reddit.com
u/xJcat — 14 hours ago

Tembo - up to £1000 bonus for depositing £500

Tembo is an app based savings platform and mortgage broker, FCA regulated and with FSCS protection.

You can get a bonus of £10-1000 by opening and putting £500 as a deposit or transfer into a Home Saver account, Cash ISA or LISA. The bonus is a random amount of £10, £15, £50, £75 or £1000, weighted with a higher chance of lower amounts.

Their Cash ISA currently pays 3.8% which is pretty good. The LISA has a rate of 4.52%. The Home Saver account has an underlying rate of 4.55% but this is boosted to 5.75% if you take out a mortgage via Tembo within 3 years. Tembo savings customers also get access to their award winning mortgage broking service fee-free (normally £749).

Steps required:

Sign up using this link and enter your email:

https://www.tembomoney.com/savings/join/tkn-7dphxc-tfc9qj

Download the app and open a savings account using the same email - Cash ISA Easy Access, Home Saver or LISA

Deposit or transfer a minimum of £500 within 30 days

You will receive your bonus within 90 days (but usually quicker). The referrer (hopefully me!) will receive the same award.

It's a very easy sign-up and I find the app easy to use and navigate. I transferred in an ISA from elsewhere which went smoothly and received my bonus (I got £25 - woohoo!).

The great thing here is that the bonus is paid as an interest adjustment into your ISA so it does not impact your ISA allowance.

You can refer as many people as you like however will only receive a bonus for the first 5 per month, I have 5 referrals available for May and will update this if any go.

Non-ref: https://www.tembomoney.com

reddit.com
u/Intrepid_Bet7145 — 16 hours ago

Lloyds Premier Switch Bonus

Has anyone received the bonus this month & can let me know their timeline?

My timeline
Opened 16 March
Deposited 5k 20 April
Switch completed 21 April

Still waiting for the bonus chat says up to 14 June but wondering if it will be earlier

reddit.com
u/Getmeoutofhere-_ — 13 hours ago

AJ Bell - free £100 Amazon gift card in 30 days when you deposit or transfer £10k (no need to invest - confirmed)

AJ Bell is a big award-winning investment platform and a Which? Recommended Provider.

They're currently offering a free £100 Amazon gift card (sent after 30 days) for those who sign up via referral and deposit or transfer £10,000 or more into a Stocks & Shares ISA, Lifetime ISA, SIPP (pension) or Dealing Account within 120 days.

Note: My confirmation here that you don't even need to invest what you deposit, just make the required deposit! There are no fees when you hold cash and they'll even pay YOU interest. There are fees if you want to invest it though.

My experience: I have a funded S&S ISA with AJ Bell, which I'm keeping for the long term, so I can happily refer friends all-year-round! The voucher is sent 30 days after the funds have cleared in your account - just look out for an email from "Mention Me", AJ Bell's referral scheme company. This a great bonus offer if you can meet the funding requirements 😊

Referral link: Sign up for the £100 Amazon gift voucher here

And the steps are below:

  1. Sign up via my referral link here and open one (or multiple) eligible accounts: Stocks & Shares ISA, Lifetime ISA, SIPP (pension) or Dealing Account
  2. Deposit or transfer across an account with £10,000+ within 120 days. It can be into one account or split across multiple accounts e.g. £7,000 ISA and £3,000 pension
  3. The voucher will be sent after 30 days of funding your account. You don't even need to invest it, just make the required deposit and wait a month!

Note: AJ Bell reserves the right to reclaim the voucher amount within 12 months if the new customer’s account value is reduced by more than 75% through withdrawal or transfer.

That's it. Enjoy your voucher when it comes! 😊

u/TopPomegranate4432 — 15 hours ago

Get 1% cashback for 30 days with Curve, plus additional cashback with selected retailers

When you sign up to Curve via a referral link you can get 1% cashback on all your spending for 30 days. They also offer between 1 and 20% cashback on selected retailers, with offers changing on a regular basis. For example, at time of writing I have an offer for 8% at Sainsbury’s, 7% at Iceland, and 10% at B&Q, plus many more.

The Curve app is used to connect multiple debit or credit cards to your Curve card and any spend is passed on to your selected card. This means if your underlying card offers cashback too you can effectively earn cashback twice. I am currently doing this with Trading212 for a combined 2.5%!

Curve has different subscription plans available. On the free plan there is a one off £5.99 fee for the card, so you would need to spend more than £600 in your first 30 days to cover this (or less if you also take advantage of some of the other cashback offers). However if you then go on to refer other people you will extend the cashback period by 30 days each time.

The maximum cashback you can earn via the refer a friend offer each month is £15.

When you sign up Curve will do a soft credit check to prove your identity but no hard credit search is carried out.

My referral link is:

https://www.curve.com/join#ZEYHY

To activate the cashback you need to make five purchases of £2 or more (excluding things like gambling, gift cards and money transfers).

The non-referral link is:

https://www.curve.com/

If you use my link I will also get 1% cashback for 30 days so thanks very much if you do!

reddit.com
u/Future_Economics_132 — 12 hours ago

EDF energy switching bonus £75 offer is back- until July 2026

Hey everyone- EDF energy is back with their £75 referral bonus offer. If you feel their tariffs are good, please feel free to use this code.

https://www.edfenergy.com/quote/refer-a-friend/ashen-sky-8999

This offer is open until July this year. Please check out their EV tariffs- it’s very attractive compared to the market leader. Thank you!

To check out tariffs without this referral code please visit www.edfenergy.com

reddit.com
u/NoReserve8233 — 15 hours ago

Free Caffe Nero hot drink when you sign up and use the app to buy your first drink

Get a free drink at Caffe Nero after your first purchase. If anyone would like to use my link I'll get a free coffee too, which would be great!

You can use the free drink voucher for any barista made drink, not just coffee - I usually go for one of the fancy, expensive drinks that I wouldn't usually buy when using a free voucher 😅

  1. Sign up to the Caffe Nero App using a referral link: https://nero.app.link/f5zI2Rd1lXb After signing up you have until 2099 to use the reward!

  2. Make your first purchase in-store using the app.

  3. Your free drink voucher will appear in the app right away ready for your next order.

  4. Refer friends to earn more free drinks.

You can continue to use the app to collect loyalty stamps, get a free drink each time you collect nine stamps.

Any questions let me know and have a nice day 🙂

Non-ref: https://www.caffenero.com/uk

u/roadbowler — 13 hours ago

The Weekly Cinema Ticket Request Megathread - Take a Discount, Leave a Discount

Lots of people asking for cinema ticket discounts. And some might not know they can get cheap tickets via various routes...

We are going to try directing these to a semi regular post. This post, to be specific.

So please, if you want a discount for a specific cinema, ask here.

And if you have a discount code or freebies that you won't use, please consider gifting to someone who has asked below!!

Example places cheap cinema tickets are found:

2* Odeon for £8 Vodafone Rewards or £10 (Octopus Energy, Amazon Prime)

2x Odeon Luxe for £13 (Vodafone Rewards) or £15 (Amazon Prime)

Meerkat Movies

Three rewards

Example places free cinema tickets are found:

Club Lloyds bank account (6 per year for Vue or Odeon)

Sky Cinema subscribers (2 free Vue tickets per month)

reddit.com
u/Desperate-Drawer-572 — 16 hours ago

AMEX Gold 45,000 Points Boosted Offer (Free Year 1). PLATINUM BOOSTED 100,000

Amex Gold currently has a boosted!! 45,000 point welcome bonus (normally 22,000) when you use a referral and spend £5,000 in 6 months. LINK HERE

Amex Platinum has a 100,000 point bonus + £250 travel credit when you spend £10,000 in 6 months. LINK HERE

These points can be worth up to £400 and £1000 respectively!! So get these while you can!

As a starting point, I really recommened the AMEX GOLD as it is free for a year, you get 4 airport lounge passes and £5 off deliveroo twice a month!

non-ref

u/fluffygogo — 15 hours ago

Barclays switch

Switched my bank in which i had a 30 p direct debit and a plum direct debit and put in 2000 pounds into barclays for a day. How long before I get the money? And does it matter if i cancelled the direct debit after i switched banks

reddit.com
u/AntiqueSuccotash5899 — 17 hours ago

The Weekly Cinema Ticket Request Megathread - Take a Discount, Leave a Discount

Lots of people asking for cinema ticket discounts. And some might not know they can get cheap tickets via various routes...

We are going to try directing these to a semi regular post. This post, to be specific.

So please, if you want a discount for a specific cinema, ask here.

And if you have a discount code or freebies that you won't use, please consider gifting to someone who has asked below!!

Example places cheap cinema tickets are found:

  • 2* Odeon for £8 Vodafone Rewards or £10 (Octopus Energy, Amazon Prime)
  • 2x Odeon Luxe for £13 (Vodafone Rewards) or £15 (Amazon Prime)
  • Meerkat Movies
  • Three rewards

Example places free cinema tickets are found:

  • Club Lloyds bank account (6 per year for Vue or Odeon)
  • Sky Cinema subscribers (2 free Vue tickets per month)
reddit.com
u/AutoModerator — 14 hours ago