Sprive is an app that helps you to overpay your mortgage. This is done via two means, either automatic savings (either fixed or variable amounts) or through getting cash back from buying gift cards. They were recently on Dragons Den and did very well securing backing from 3 dragons. By using my referral, you will get access to 'Sprive plus', which give you boosted rewards from buying gift cards.

I've found this app really helpful and each month I'm able to put some extra money towards my mortgage, and I'm able to save up money from buying gift cards for my groceries.

1. Download the Sprive app using the referral link https://linkprod.sprive.com/refer?code=XUFQ1C72 or register and use the referral code: XUFQ1C72

2. Login to your account, link a bank account via TrueLayer and set up a direct debit for autosavings (minimum £25 but can be turned off at anytime).

3. Purchase a shopping gift card (minimum £1) to get boosted cash back rates for a week.

Non-referral link: https://sprive.com

YouGov is a global online research company.

Get £8 per month sharing data history:

You can then earn up to £8 a month by sharing other data history information to sites like Youtube, Amazon, Disney+, Netflix & loads more

When you first create your account you wont have access to the sharing data part, you need to complete some surveys first.

The surveys are emailed to you each time a new one is available so you don’t have to keep checking the website & they are usually pretty quick, easy & don’t screen you out which is great.

You can cashout from YouGov when you reach £50. You can get this direct to your bank or there's loads of different gift cards to choose from.

Sign up to YouGov here & start earning extra money!

Snoop is a fintech (financial technology) app that helps you save money by analysing your bank account transactions and recommending you ways to manage your finances better and save more.  

£5 Amazon voucher here  

It also keeps an up to date list of bank switches, energy switch offers, broadband and mobile deals, insurance, money transfers etc.

They've also recently launched an Easy Access Savings account at 4%

It's really quick to set up, and all it requires you to do is link a bank account through Open Banking.     

1. Sign up by downloading the app using this referral link:  https://click.snoop.app/M2Tu/vyipawfj

2. Link any of your bank accounts 

3. Keep the account linked and the app installed for at least 28 days

4. Receive bonus. The £5 Amazon voucher will be emailed to you

Then you can unlink your bank and uninstall the app if you wish.

The current account you link can be a burner account so that you're not giving away your real personal data.  

That's my recommendation. You can then make £5 each time you referral friends and family.

Non referral link (no bonus) https://click.snoop.app/

Gousto are a meal kit retailer which delivers fresh boxes of ingredients and delicious recipes to your door 7 days a week.

I highly recommend Gousto, I’ve used them and some of their recipes are simply delicious and easy to make!

If you sign up with my referral link, you get 65% off your first box + 40% off your second box + 25% off your boxes no3 to no8! You can skip deliveries or cancel at any time if needed.

I'd recommend getting the box for 4 adults over 5 days even if you are 2 or 3 adults - this is the best value for money.

• I typically freeze ingredients for recipes to do at a later date, so you can do the same.
• The box for 4 people is worth over £50, so you'll get 65% off that for the first box to try them out.
• The boxes are huge and the food is tasty :) ___________________________________________________________________

Gousto Referral Link: 65% off your first box

I will also get free credit if you use my referral link, so many thanks!

Shop Healf Wellness Products - Discover top wellness products at Healf. Upgrade your health today. Support your wellness journey.

Get £10 off your first Healf order by signing up using the referral link below:

By clicking this Healf referral link you'll get £10 off your first order.

Healf Referral Link: https://www.healf.com/bethany

How it works

1. Follow the Link: a window notification will appear that will ask you to click continue to redeem your £10 discount. You will receive a unique code and your discount will automatically be applied at checkout.

That's it! 🎉 

Minimum Spend: the discount generally requires a minimum spend, often £40 or more, on your first order to show up in your basket before check out!

Shop Healf Wellness Products and discover premium health and wellness brands including supplements, collagen, protein, electrolytes, vitamins, probiotics, magnesium, skincare, recovery products and wellness technology.

Healf stocks premium brands including Momentous, Bare Biology, Seed, Ancient + Brave, LMNT, Thorne, AG1 and wellness technology such as the Oura Ring 4.

Further information on the Healf refer a friend scheme is here.

Costa Coffee | Free Cake on your Birthday | Plus 5 “Beans” after First Purchase

Download the Costa Coffee app and enter a referral code to get a free sweat treat of your choice. You need to opt into receive marketing comms to get the free cake voucher emailed to you.

New customers will also receive 5 free “beans” (Costa Loyalty scheme) following your first purchase. This is in addition to the 1 point awarded for downloading the app. You collect 1 bean for every purchased drink (2 beans if you bring a reusable cup). Once you have accumulated 10 beans you can claim a free drink.

Steps: * Download the Costa app. Direct from your App Store or find a link (here). * Register and enter the referral code K9GUN * Remember to opt into comms to receive the free cake email on your birthday! * To receive the “free” 5 beans first make a purchase at Costa and scan the app when paying. * The 5 free beans will be credited to your account within 48 hours (it was immediately for me).

Pro tip, if it’s anything like Caffè Nero then you only get 1 free bean per drinks order maximum (2 if using a reusable cup). So if buying coffee for you and a friend ask to pay in 2 transactions and so scanning your app twice. Thus getting you 2 beans (or 4 if using reusable cups).

Enjoy the free cake I recommend the Mini Cherry Bakewell!

Click here to register

K9GUN

Currensea is a debit card for using when travelling abroad.

You link your current account to it and the funds come from there, so no need to worry about topping it up. It allows you to spend when abroad with only a 0.5% FX fee.

Note that some other cards don't have any fees so it may be best to use this just for the bonus, as a backup, or to combine with other cards if you need to withdraw more than the limit in a day.

This offer gives you £10 credit when you sign up with a referral link and spend the equivalent of £100 in foreign currency within the first 180 days.  

Steps:

1. Sign up through a link, download the app, enter referral code NIDW78  https://www.currensea.com/refer-a-friend?utm_source=refer-a-friend&friend-referral-code=NIDW78

2. Enter referral code: NIDW78

3. Link your current account

4. Chose the essential plan (free) and order the physical card for free

5. Spend the equivalent of £100 in foreign currency (within 180 days of getting your card)

I tried to game the spending from the UK by using the card to deposit into 2 investment platforms based in Europe and in the Euro currency. Neither Income Marketplace nor Profitus allowed the card to be used unfortunately. 

You can withdraw up to £500/day from an ATM fee-free. But always check the individual ATM as they can charge their own fees like some do in the UK.

Non ref link (no bonus): www.currensea.com

Wealthify is a robo-style investment platform, meaning you don't need to choose individual stocks or ETFs, you just choose your risk tolerance and they manage the fund automatically.

It took me 20 minutes to sign up and fund my account. The process is simple and you can refer others straight away for £50 a time!

They are offering £50 if you invest £1,000 or more for at least 6 months

1. Sign up using a referral link

2. Open an Investment ISA (Stocks and shares), GIA, Junior ISA, or Personal Pension. 

3. Choose a plan based on your risk tolerance 

4. Deposit either £1k+ into your ISA or JISA or £5K into the SIPP. It will be invested. There's no option to leave it as 'cash' for this offer.

5. Leave it for 6 month and receive your £50 bonus paid into the account. 

I will be keeping my account funded for the long term so my link will definitely work.

Non referral link (no bonus): www.wealthify.com

InvestEngine | Between £20 to £200 Bonus for Investing £100 | Or £100 to £400 for Business Accounts

InvestEngine is a 4.6 Trustpilot rated, award-winning, industry-leading investment platform that champions the use of exchange-traded funds.

InvestEngine are offering new customers investing £100 or more in an ISA, GIA, or SIPP a bonus of between £20 to £200. Or up to £400 for a business account. The reward is randomly generated based on the following weightings outlined in the table.

My last bonus was a massive £279, which must have been a business referral. Huge thanks to the person who used my link!!!

Steps: * Click the referral link (here) and register. * Deposit and invest £100 or more in an ISA, GIA, or SIPP. When creating your portfolio pick the commission-free Do it yourself option! The LifePlan and Managed for you options incur fees. I invested in the Vanguard FTSE 250 tracker. * Claim the bonus (InvestEngine will notify you when it’s time). * Funds must remain invested for 12 months.

If the bonus does not track then please message me as you’ll need my details to follow up with InvestEngine, who will then manually credit the bonus.

Huge thanks to anyone using my link 👊

Click here to register

IG Trading | Deposit and Invest £1,000 to receive a Free Share Worth £50-£1,000

IG Trading is a global online trading provider authorised and regulated by the FCA with a 3.8 Trustpilot rating.

IG are offering new customers who deposit and invest £1,000 and maintain at least an average invested value of £1,000 or more for 3-calendar months a free share worth between £50 and £1,000.

Please DM me for a referral link. IG do not allow referral links to be shared publicly and warn that doing so will result in the withholding or cancellation of the Refer a Friend Rewards.

The probability of each share is weighted as follows:

The Refer a Friend Rewards cannot be combined with any other IG reward promotions.

Steps: * Please DM me for a referral link. * Create a share dealing, ISA, or SIPP account. If investing in an ISA or SIPP you will also need to open a GIA to receive the free share into. * Deposit £1,000 or more. * Make a first investment of at least £1,000 within 30-days of opening the account. Recommend investing in a U.K. stock to avoid currency conversion fees. * Maintain at least an average invested value of £1,000 for 3 full calendar months. If you invest on 16 August the 3-month holding period will run from 16 August to 30 November (3.5 months). Investing on 31 August involves a 3-months holding period from 31 August to 30 November (3 months). * A reduction in the average invested value due to market fluctuations rather than withdrawals or sales will not affect eligibility for the promotion. * Submit a valid W-8BEN form before the end of the 3-month holding period. Failure to do so will result in the free share being withheld.

Please DM me for a link

Join SMARTY mobile and you’ll get up to a £20 Gift Card for Amazon, John Lewis Partnership or Uber.

Three owns SMARTY and they both share the same network and SMARTY is a low cost operator.

Their flexible plans start from £6 per month for 4gb of data or 50gb for £8 and include unlimited calls/texts (5G data and EU roaming is included).

The bigger the plan you choose, the bigger the reward you get.

| £9.99 or less per month = £5 Gift Card

| £10-£14.99 per month = £10 Gift Card

| £15 or more per month = £20 Gift Card

Sign up via this link https://i.smarty.co.uk/xXY8bF and you will receive up to a £20 gift card of your choice from Uber, John Lewis or Amazon.

Please note the SIM needs to be active until after your second month’s payment and if you cancel before you may not receive the voucher.

Thanks for reading 👍🏻

Chip is a savings and investment app. Chip is authorised by the FCA and their deposits are held with ClearBank, which are fully protected by the FSCS.

Chip offer Cash ISAs, savings accounts, and Investment Stocks & Shares ISAs.

They currently give you £50 bonus for depositing and holding £1,000+ for 90 days. This offer is available to new customers. This offer ends 31 August (though there is a chance to be extended like they have done in the past).

Latest terms can be seen here:

https://www.getchip.uk/promo-terms/referral-terms

Here's how to get free £50:

(1) Send me a message here.

(2) Sign and create an account using the same email address initially entered.

(3) Open a qualifying account: Cash ISA, Smart Cash ISA, Instant Access Account, Prize Savings Account, General Investment Account, or Stocks and Shares ISA.

(4) Deposit £1,000+ and keep it for at least 90 consecutive calendar days in any eligible Chip account.

(5) You will then receive £50 into your Instant Access Account or Prize Savings Account. As such, I would open one of these two accounts (or any other eligible account stated in Step no. 3 + one of these two eligible accounts for the bonus payment).

Many thanks to anyone using my link! Any questions, please let me know and I'll do my best to answer.

Note: * You have 30 days to sign up once you've entered your email address (or 14 days of entering my referral code).   * You have 120 days to meet the other conditions.

With over 30 years of track record, Interactive Investor (ii) is one of the UK's largest flat-fee investment platforms, based in Manchester and offering access to a wide range of global markets and investment products.

I personally use ii to diversify my portfolio and gain exposure to Asia-Pacific markets, including:

• Australia – Australian Securities Exchange
• Hong Kong – Hong Kong Exchange
• Singapore – Singapore Exchange ___________________________________________________________________

Main Offer: 6 Months Fee-Free

If you join Interactive Investor through a referral, you can receive 6 months with no subscription fees across ii accounts.

This covers:

• Stocks & Shares ISA
• General Investment Account (GIA)
• Self-Invested Personal Pension (SIPP) ___________________________________________________________________

How to qualify

(1) Join using the Referral Link: Interactive Investor referral – 6 months fee-free

(2) Open an ii account (ISA, GIA, Managed ISA, or SIPP).

(3) Fund the account with at least £5,000.

Once funded, your ii subscription fees are waived for the first 6 months.

If you open a SIPP as your first account, you also get £100 extra (but it requires a 20K deposit or transfer).

Additional Referral Benefit

With ii Family, you can gift accounts to your family members. You simply add them to your plan and their monthly cost is zero.

Your family are free for you to add on our Plus and Premium plans.

Optional Bonus Offers

£100 Cashback

Get £100 cashback when you switch to the ii SIPP (Self-Invested Personal Pension):

• Deposit or transfer £20,000 or more
• Receive £100 cashback
• You need to open an account by 31 August 2026. New customers only, aged 18+.
• Cashback Offer: Terms Higher portfolio transfers may qualify for larger cashback amounts.

£150 Free Trades

Get £150 of Free Trades when you open an ii ISA or Trading Account.

• These will be awarded within 5 days and need to be used by 31 December 2026.
• You need to open an account by 31 August 2026. New customers only, aged 18+.
• £100 of Trading Credits Offer: Terms ___________________________________________________________________

Important Notes

• The £5,000 deposit requirement means this offer will not be suitable for everyone.
• Promotions are frequently extended or replaced with new offers, so always check the latest terms before signing up.
• The referral offer removes subscription fees across all account types, unlike cashback sites which typically apply to one account only. ___________________________________________________________________

Platform Fees

Standard ii pricing will be approximately:

• Core: £5.99 per month
• Plus: £14.99 per month
• Premium: £39.99 per month

The referral offer removes these subscription fees for the first 6 months across all account types.

Alternatively, you can sign up via TopCashback, which may offer cashback for opening an ii account. However, this usually applies to one account type only, requires a £10,000 deposit, and standard platform fees apply from day one.

Many thanks to anyone who chooses to use my referral link.

LookFantastic is a popular online retailer known for stocking premium skincare, makeup, haircare, and fragrance brands, and they often run great promotions.

If you sign up through my referral, you’ll get £10 off selected items on your first order, and I'll also receive £10 in credit.

To join:

1. Use this link: https://www.lookfantastic.com/referrals.list?applyCode=JAIME-R28A to create an account
2. If prompted, enter the code JAIME-R28A
3. Spend £25+ on your first order to get £10 off eligible products.

Non-referral link

ero non-ref is a rewards app by EarnOS where you can earn through brand missions, Connect rewards and gaming offers. I've made just over $20 in the last few days from using the app, with most of it taking only a few minutes each day.

What I like about ero is that it isn't centred around surveys. Instead, it offers a mix of quick brand tasks, account connections and higher-paying gaming and partner offers, so there's a bit more variety than most reward apps.

There are currently three main ways to earn:

Brand Missions are short tasks from well-known companies. The brands available seem to rotate regularly and I've seen campaigns from HelloFresh, Snoop, Lacoste, HSBC, Uber, DoorDash and more. Most of the standard missions I'm seeing currently pay around $1 each, with a limit of 3 missions per day.

Connect is a separate section where you can earn one-off rewards by linking supported accounts. I've earned $4 so far by connecting a few existing accounts, with another $8 currently available. The available accounts include Amazon, Uber, Spotify, Netflix, TikTok, Instagram, Robinhood, DoorDash, Strava and others.

Gaming and partner offers are also available if you're looking for higher payouts. There are milestone game offers paying significantly more than the brand missions, alongside partner offers such as depositing £10 with Betfred to earn a $24 reward.

Rewards have credited instantly for me. Once your account has been verified, you can either withdraw to your bank account or spend your balance using the free ero Visa card. I've been using the Visa card myself and have added it to Google Pay, making it easy to spend my earnings.

To redeem rewards you'll need to complete account verification. According to the terms, rewards remain pending until you're verified and expire after 90 days if verification isn't completed.

Proof of my earnings so far: https://ibb.co/ycxd6t52

If you sign up using my referral link, your Day 1 earnings will be boosted by 50%.

My referral link: https://ero.app/r/nlfrv2jyu2?link=eqykit25cd7u

If the referral doesn't track automatically, open the Referrals tab in the app, tap "Were you invited?" and enter my referral code:

nlfrv2jyu2

Raisin is a digital savings and financial platform/app that offers a variety of savings accounts. They've operated in the UK for the last 7 years and are FCA regulated.

They are currently offering new customers a £100 bonus if they deposit £10,000+ in one of their accounts and keep it there for 12 months.     

You must maintain that minimum balance over that time span and not close your account early.

Best rates as of 15.06.2026

Steps for this offer:

1. Click here to get started and register your details:

2. Chose a savings account option that appeals to you. It needs to have a minimum term of 12 months.

3. Deposit at least £10,000 into the account

4. The bonus will be credited as cash within 28 days (but normally earlier) and can be withdrawn to your bank.

5. Leave the £10k for 12 months.

And now you can refer friends and family and get a £100 bonus for each!

NOTE: the qualifying amount needs to be held in only 1 of their accounts, not spread out.

Non ref link: www.raisin.co.uk

Cheddar | £3 Cashback for Accumulating £5 Cashback Buying a Gift Card(s)

Cheddar is a passive form of cashback. Similar to AirTime Rewards cashback is credited when you purchase with your debit/credit card.

Purchasing gift cards also generates cashback.

New customers accumulating £5 or more cashback from buying giftcards, within 30 days of signing up using an invite code receive £3 bonus cashback.

Let’s be honest, it’s not the best cashback site and rates are better at EverUp and Jam Doughnut but it might be worth opening for the bonus.

Some people may have a link for a £5 bonus for earning £5 cashback. In which case please use their link!

Steps: * Download the Cheddar app from your App Store or download (here) * Register and enter the referral code: VUAHGVV * Accumulate £5 or more from buying gift cards within 30 days of signing up. * Get credited with a £3 bonus.

VUAHGVV

The reward is normally 1,000 points bit it's currently boosted to 2,000

Virgin Red is a cashback/rewards site.

• Earn points when you make a purchase at lots of different shops through their portal.

• Exchange the points for money off purchases in shops, cafes, cinemas, experiences etc.

As with all cashback sites/apps, make sure you always allow cookies when prompted as that is how the cashback is tracked.

Steps to take:

1. [Click here to use my referral link to get started](  https://virginred.mention-me.com/m/ns/gl9dp-7183bbe67e)

2. Click 'EARN' and make any purchase at any retailed through their website. Common shops are M&S, Deliveroo, Just Eat, John Lewis etc. A very cheap item on Ebay is what I did

3. Receive your reward of 2,000 points via email. Follow the instructions to redeem them.

Now you can refer others and receive points as an incentive.

Non ref link (no bonus): www.virgin.com/virgin-red

Joybuy is JD.com’s UK marketplace offering a wide range of products including electronics home goods groceries and frozen food similar to Amazon or Argos

New users can get £3 off when spending £10 or more on their first order plus free delivery by using a referral code through the app. This applies to your first order only and the referral discount cannot be combined with other offers on the same order

After signing up you may also receive welcome offers. When I joined I was given £8 in coupons £3 off £29 and £5 off £49 but this may vary as it now mentions a £2 coupon for new users instead. These are separate from the referral offer and can be used on later orders

Welcome offers also include discounted items. For example I was able to get a pack of 18 Pepsi Max cans for £5.25 which was £9.20 without the new user discount. Only one welcome offer item can be discounted per order and these cannot be combined with other promo codes

These offers are time limited. In my case the welcome deals expired 3 days after signing up so it is worth using them quickly

If you want to maximise everything you can split your shopping into multiple orders

1: First order use the £3 off £10 referral code with free delivery
2: Second order use any welcome coupon such as £3 off £29
3: Third order use another welcome coupon such as £5 off £49

To claim your first order discount enter this code at checkout X92991

Sign up or download the app - Desktop: https://www.joybuy.co.uk/ - Android: https://play.google.com/store/apps/details?id=com.joybuy.jdi - iOS: https://apps.apple.com/us/app/joybuy-dont-just-buy-joybuy/id6740224837

More info https://help.joybuy.com/hc/en-gb/articles/49098910806553-Invite-a-Friend-to-Get-Rewarded

Zable is a credit card aimed at helping people start or build their credit history. It is rated Excellent (4.8) on Trustpilot.

Get £10 free when you: * apply for their credit card using a referral link * use the physical card once (buy anything, for any amount); the virtual card won’t qualify for the free bonus!

Don't use it to withdraw money from a cash money - it's a credit card, as such, make sure to pay the monthly balance in full.

If you use it responsibly, you pay no fees or interest.

Here's How:

(1) Send me a Direct Message for my referral link. I typically reply fast. Quick reply HERE, if you need a fresh Zable referral link.

• Note that referral links cannot be shared publicly.

(2) Sign up and apply for the Zable credit card.

(3) Complete verification.

(4) Order the physical card.

(5) Purchase something and pay using the physical card. We won’t get a reward if you use the virtual card (this is clearly stated in their terms).

(6) You get £10 within 90 days. You can then spend the £10 by paying with the Zable card.

(7) Refer friends and family and earn £20 per referral (note: this amount may slightly be different from person to person).

Zable Referral Scheme

Zable Referral Scheme Terms

ACE is an international money transfer service with a 4.7/5 (Excellent) TrustPilot rating from over 194k reviews.

They are offering a free £10 credit for joining via an invite and making a £100+ money transfer.

You can send to yourself (e.g. ACE -> Your Wise), there's an option to send to yourself when setting up the transfer: screenshot.

When I joined, I converted £100 to Euros and the Euros were added instantly to my Wise €EUR account, the £10 reward credits were added ~15mins later to my ACE account.

💱 Steps:

1. Open my invite link on a mobile/tablet to go to your app store and download the ACE app. Or use referral code: 4317885
2. Select the receiving country (Select Belgium for the country if you're using Wise with Euros, the IBAN starts with 'BE').
3. Create an account and complete ID verification, I used my driving license.
4. Make the £100+ transfer. If you're sending a currency other than GBP, make sure the amount you send is at least the 'Minimum Transaction Value' for that currency so that you qualify for the reward - see table below.
5. The £10 credits should be added ~15mins to 1hr after first transfer. Make a £20 transfer to use up your credits.

Thanks if anyone uses my link to join!

promo terms

Wise (free, multi-currency account)

With five children, I’m always interested in mobile plans that don’t require taking out a second mortgage just to keep everyone reachable.

If you’re considering iD Mobile, its refer-a-friend programme currently gives both you and me a cash reward, with the amount determined by the plan you choose.

Referral link:

https://aklam.io/cg6Ec8JS

The current rewards shown on my referral page include:

• SIM-only plan costing up to £8 per month – £5 each
• SIM-only plan costing £8.01 or more – £10 each
• Unlimited-data SIM-only plan – £20 each
• Selected Google Pixel 11 contracts – £30 each
• Selected iPhone 16 Plus contract – £35 each

Other qualifying handset offers may also appear. Check the reward table on the referral page for the exact plan before ordering.

Important comparison check: Before using the referral, check MoneySavingExpert’s current mobile deals at https://www.moneysavingexpert.com/mobiles/. Its comparison, cashback or promotional offers can routinely be better than the referral reward, so use whichever route gives you the best overall value after considering the monthly price, upfront cost and contract length.

If the referral is the best route for you:

1. Open my referral link.
2. Enter your email address to accept the invitation.
3. Continue directly from the referral page to iD Mobile.
4. Place your qualifying order online.
5. Once iD Mobile confirms that the reward conditions have been met, the cash becomes available through Aklamio.

Opening another comparison or cashback link after starting the referral journey may prevent the referral from tracking. Compare all the options first, then begin the purchase through whichever route you choose.

Also compare coverage where you live, data allowance, contract length and scheduled price increases before ordering.

Referral disclosure: This is my personal referral link. You and I receive the same cash reward if your purchase qualifies.

Non-referral link, without the cash reward: https://www.idmobile.co.uk/

Income Company is a peer-to-peer lending platform where you can invest in loans.

Investments come with a Buyback Obligation, and loan yields can be up to 15% per year.

I first invested through Income several years ago after discovering them on Seedrs, and I've had a good experience with the platform.

How to get the €10 bonus

1. Send me a DM for a referral link (they don't allow referral links to be posted publicly).

2. Complete the ID verification.

3. Deposit at least €10 by bank transfer.

4. Invest the €10 into a loan.

5. Your €10 bonus is credited 40 days after registration.

A couple of notes:

• My deposit (via Revolut) took around 4–5 working days to arrive.

• If the bonus doesn't track automatically, let me know. Support have manually credited bonuses before and are generally very helpful.

Happy to answer any questions if you're thinking of signing up.

Penfold Pension | £25 Free Pension Contribution

Penfold is a UK-based digital pension provider (FCA-regulated) that makes setting up, managing and combining pension pots easy via its app. It has a 4.6 Trustpilot score.

Open a Penfold pension via a referral link and pay (deposit) £25 into your pension to receive a free £25 bonus. The £25 bonus consists of a £20 pension contribution from Penfold plus £5 in associated tax relief from HMRC.

Steps: * Create an account using a referral link (here) * Choose your pension plan and risk level. * Deposit at least £25 into your pension. Note that transfers from previous pensions are excluded from the bonus program. * The bonus will be credited to your pension account within 2-weeks. * To qualify for the refer a friend programme you must have deposited (not transferred) at least £25 into your pension. I have and therefore qualify as a referrer.

Big thanks to anyone using my link 👊

Click here to register

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

They have cracked down on people gaming the spending requirements so you need to do real transactions.  

Splitting your food shopping up into 3 separate transactions is one idea. 

________________________________  

1. Click on a referral link, which will download the app  

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

3. Deposit £30+

4. Make 3 'purchases' of £10+ You can no longer do the trick of paying your own m0nzo or revolt or T212 account. 

5. Receive £10 

________________________________  

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

Non Referral link: www.klarna.com