YONDER REFERRAL LINK: **https://join.yondercard.com/kzqnnvt**

Yonder is a card (credit or debit) currently offering an instant £10 bonus when you sign up and spend £10. You’ll also get 2 months of free “full” membership, which includes perks like worldwide travel insurance. If you’ve got a trip coming up, it’s a solid option.

When signing up, choose the “full” membership, but remember to cancel before the 2 months end to avoid the £15/month fee. But I would also recommend you consider the full, paid membership as the perks are pretty good!

You can pick either a credit or debit card. I’d suggest the debit card. The credit card comes with high interest and only a 15-day grace period, so it may unnecessarily impact your credit score.

There’s also a spending bonus: if you spend between £200 and £1,000 in your first 30 days, you’ll earn 2,000 to 10,000 points. Points are worth ~£0.001 each if taken as cash (£2–£10), but can go much further when redeemed on selected dining, travel, entertainment, or shopping offers. In some cases, that’s effectively around 5% cashback or up to £50 in value.

You can earn 10,000 points per referral if someone signs up to the “full” plan and makes 5 purchases. This can be worth up to £50 for redemption.

There are no foreign transaction fees, and combined with the travel insurance and better redemption rates on flights, it’s particularly useful for travel. I've recently used it in my trip to Japan and it's been really handy.

Feel free to ask if anything’s unclear. Appreciate it if you use my referral link below! :-)

YONDER REFERRAL LINK: **https://join.yondercard.com/kzqnnvt**

Wahed is an investment platform specialising in ethical investing. They make sure your money does not get invested in weapons, gambling, tobacco etc. 

All of it's funds are Shariah-compliant but you don't need to be Muslim to open an account.  

They have just removed the £3/month minimum fees so this is now suitable for taking advantage of. Fees are now 1% for portfolios under £250k 

Steps for this offer:

1. Install the Wahed app

2. Enter a referral code as part of the sign up. Use nicirv1 (or anyone else's code)

3. Open a GIA (general investment account), chose your risk tolerance (i.e cautious) and deposit £100+ 

4. Leave your funds in the account for at least 90 days

5. Receive your £10 bonus.

 

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Referral code: 

nicirv1

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They offer a stocks and shares ISA and a SIPP (but these don't count for the £10 welcome offer)

Optional: Refer a friend and receive £10

Expected fees for having a £100 balance for 1 year:

• In the very conservative fund:  £1.84

• In the moderately conservative fund:  £1.73 

• In the physical gold fund:  £1.27

• No fees for a balance of zero

Fees are deducted monthly (so a portion of the above amounts)

Non ref link: www.wahed.com

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Sign up to Monzo with my link and receive an enhanced free payment of £20/£50/£100!

https://join.monzo.com/c/bbbqvp5b

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£10 signup bonus | 2% cashback for first 30 days | Cashback after that

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Krak is a debit card from Kraken. The £10 signup bonus is nice, as is the 2% cashback on almost everything for the first month.

After that period it's not such an appealing card to have. It does the same as most others.

I've received cashback on my council tax, which is something I couldn't achieve with Amex.

1. Open an account using a referral link
2. Order physical card (free)
3. Make 5 transactions of £10+ (use the virtual card) within 30 days
4. Receive £10 bonus in about 3 weeks
5. Refer others for £10 each (max £100)

Note: you can't game the spends by paying into your own investment account or money service.
I haven't tested many but T212 didn't work for me.
It takes a few days for it to update on whether a transaction is eligible

Non ref link: www.kraken.com

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Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code FQAE7EOZ, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=FQAE7EOZ

Are your energy bills about to go through the roof with the big July price hike? 😬

Maybe you are just shopping around for the best deal on your energy? 🛒

Get free £50-£150 for switching to the most competitive priced supplier on the market 😲

Check out Fuseenergy.com (non-referral link)🦸

Use code:

ANDREW30129

And you too can earn money quickly and easily.

Friend just made £75 after switching their gas (and that's not even including the extra savings on their energy bills! 🐖 )

There is simply no better direct sign up offer on the market at time of writing.

Read first:

1. Follow link to website or download the fuse energy app.
2. Sign up for an account with your mobile no or email.
3. Do NOT say you have been referred by an energy comparison website ❌ You will receive less money.
4. Fill in your details regarding your energy usage and select your gas and/or electricity tariff
5. When prompted, supply my exclusive referral code (NB other codes are available, however you may receive less money)

ANDREW30129

Then complete your set up and confirm your switch over.

NO credit checks ✅

NO sign up fees ✅

Payout received once initial first payment sent 💸

I saved over £100 a year, on what was an already competitive pre-Iranian War Octopus tariff, when I signed up to the 13 month 'Single Rate Fixed v.10'. Longer but cheaper 15 month tariffs are also available but only directly from their website.

You can save even more right now

Be quick! Exp 19/07/2026 ⏳

Klarna debit card | £10 for making 3 x £5 purchases

I just made £10 in 10 minutes

Klarna are giving £10 to new and existing customers who get a virtual debit card and make 3 x purchases of £5+

3 x £5 topups to prepay your energy or council tax bill should work.

________________________________  

1. Sign up using a referral link

2. Choose the free account and get a virtual debit card

3. Deposit £15+

4. Make 3 'purchases' of £5+ You can no longer do the trick of paying your own m0nzo or revolt or T212 account. 

5. Receive £10 instantly

 

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Then you can refer others, for £40 a time, up to a limit of 10.

Non Referral link: www.klarna.com

Rakuten is a cashback site similar to Topcashback.  

Before buying something online, look for the shop on Rakuten's app/site and click through from there to earn cashback.  

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🪙 Free £25 here

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Rates vary often between cashback apps so it's best to compare a few before buying something big.  

Turn off any adblockers or VPNs and always accept cookies as that's how they track your cashback. Chrome is good to use for cashback sites.

 Steps:  

1. Sign up using a referral link. Here is mine

2. Connect your bank so you can get paid   

3. Spend £60+ (excl VAT so make sure it's a bit more) through the site within 90 days. It doesn't have to be in one go unless it's Amazon

4. £25 cashback should be paid after 90 days. If you return/refund the item you won't receive cashback.

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➡️ Complete list of all retailers on Rakuten. Non referral link

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You can currently get £25 for every friend you refer.

Tembo is an FCA regulated savings and mortgage broker (also FSCS protected). On top of solid rates, they’re running a refer a friend scheme paying £10 to £100 for depositing £500 into an easy access Cash ISA (4.30% AER), a Lifetime ISA (4.30% AER), or a HomeSaver (4.55% AER, rising to 5.75% if you later take a mortgage through Tembo).

Guide:
1. Follow my referral link: https://www.tembomoney.com/savings/join/tkn-l8f18g-l2ppbh
2. Enter your email address.
3. Download the app.
4. Enter your details, including your NI number.
5. Deposit £500 as a one off payment into a Cash ISA, LISA, or HomeSaver.
6. Skip the monthly payment option, it’s on by default but not required.
7. Keep the £500+ balance in place until the reward lands as bonus interest (usually within 60 to 90 days, depending on the account and cancellation period).
8. Profit.
Reward odds: £10 (95%), £25 (4%), £50 (0.7%), £75 (0.2%), £100 (0.1%)

\* It's been brought to my attention that my link shows £5 but is in fact £50 as it's a 'golden ticket' link.

\*\*There are 2 offers available, deposit £500 and receive £5 the next day OR deposit £1000, hold for 2 months to receive £50 from them.

I've been using iFAST global bank for a while now, they are a neo bank like Monzo, Revolut etc. They offer a 2.6% interest on account balances, more on fixed term periods. It's a really good account for travelling as the debit card has zero fees for use abroad and unlimited fee free ATM withdrawals abroad too. They have scan & go where you can scan a QR code and pay straight from your account in the local currency, over all a really handy account.

At the moment they have a referral offer for £50 for both the referee and the referrer for opening an account, depositing £1000 and holding for 2 months, you'll also earn interest during this time.

My referral link is below, I would really appreciate it if someone used my link 3/5 available.

I’ve been using iFAST Global Bank, good rates and multi-currency features. If you sign up using my link and fund £1,000, you’ll get £50.

https://www.ifastgb.com/tellafriend/jackdj9371

Non ref link - https://www.ifastgb.com/

https://whatnot.com/invite/stokey420

Free £25-£200 with the link. Doesn’t cover shipping.
I get the same as you get after you make a purchase.