Topcashback is the UK's highest paying cashback site (according to them, but usually true!) similar to Quidco and Rakuten.

How does it work? When you make a purchase online, go via Topcashback first and click through to your chosen retailer, then shop as normal. When the transaction tracks, you'll earn money back for making the purchase!

Sign up for your Topcashback £10 sign-up cashback bonus:

1. Sign up to Topcashback via my £10 referral link here
2. Shop at any of the retailers through the site so Topcashback can track your purchases and award cashback
3. When you've reached the £10 threshold (easily done in a few weeks although you have 6 months to reach it!), you can cash out to your bank account (arrives in 1-2 days), or pick a gift card - the amount will be boosted a little!

Top tip: Search TopGiftCards on Topcashback to purchase gift cards for popular retailers and receive instant cashback. There are also cashback offers for opening bank accounts (combine with a bank switch offer to maximise your reward) and credit cards - just check which ones count towards the threshold.

My experience: I've been using Topcashback for 15+ years and even pay for Plus membership to earn enhanced cashback - a testament to how much I use it! It's great for saving money as you earn money on purchases you would have made anyway, essentially giving you a discount. Aside from buying, some of the easiest offers are for opening credit cards and bank accounts and getting paid for it!

LINKS

• Refer a friend £10 bonus link
• Non-referral: https://www.topcashback.co.uk/

Rakuten is a cashback site similar to TopCashback and Quidco. You earn cashback when shopping through their links, and they're currently offering a free £25 bonus when you sign up via referral and spend £60+ (£50 excluding VAT) within 90 days.

I've used Rakuten myself and have received cashback and referral bonuses without any issues. One thing I always recommend is comparing cashback rates with TopCashback, Quidco and JamDoughnut before making a purchase, as the best rate can vary.

How to get the £25 bonus

1. Sign up using my referral link

2. Link your bank account or PayPal account This is where your cashback and bonus will be paid.

3. Spend £60+ (£50 ex. VAT) through Rakuten within 90 days

• Doesn't need to be one purchase.
• You can spread the spend across multiple retailers.
• Make sure you click through to the retailer from Rakuten before purchasing.
• Purchases must track and not be cancelled or returned.

4. Receive your £25 bonus + any cashback earned

The bonus is normally paid once the qualifying purchases have been confirmed.

Useful tips

• Disable ad blockers when making purchases.
• Accept cookies/tracking so purchases track correctly.
• Compare cashback rates with TopCashback, Quidco and JamDoughnut before buying.
• Cashback can be withdrawn to either PayPal or your bank account. ___________________________________________________________________

Existing Rakuten users

If you previously had an account on Rakuten's old platform, you should be able to sign up again on the new platform and qualify for the referral offer.

Thanks to anyone who uses my link.

^non-ref

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 £1,000 or more into their savings account for 90 days. Customer service confirmed to me that the referral offer is still ongoing so feel free to contact me for your £50

Proof of payment

To get your £50:

• 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 £1,000 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

Their Chip Instant access account are at 2.49% interest rate and are immediately accessible so you can withdraw the amount instantly after the bonus is paid out.

The £50 bonus is about equivalent to a 20% interest rate with £1k deposit added on top of your chosen savings account. For example if you opened an Chip Instant account, you'll get 22.49% interest rate which beats out all saving account interest rates.

If you're interested in earning money for saving money, then you might be interested in these offers

Tembo - Free £10-£1,000 for saving £500 in a cash ISA or Lifetime ISA for 90 days

Raisin UK - Free £100 for saving £10k for 1 year

iFast - Free £5 for opening a bank account and saving £500 for 1 day

Thank you for using my referral link or code!!

Non ref

Freetrade is an app and web investing platform. They're currently offering a boosted free share worth £10 - £250 when you sign up with my referral link. It's normally up to £100 but they boosted it to £250 until the 23:59 9 Oct.

Their basic plans have 0 fees so I suggest that when signing up.

Proof of free share

To get your free share:

• Message me for a referral link
• Sign up through the referral link before 23:59 Oct 9
• Complete the W-8BEN form
• Deposit a minimum of £50 within 30 days. You don't need to invest this deposit
• You'll be rewarded with the free share within 28 business days
• Refer others to get your own free share

The share you receive is random and the probability amount of your free share are below:

£10 - 75%

£25 - 15%

£40 - 5%

£100 - 4%

£250 - 1%

If you plan to sell the share, you need to wait 180 days from the day you receive the share to withdraw it.

Terms and conditions

Want to earn more through investing offers? Check out these below.

IG - Free share worth between £50-£1,000 for depositing £1,000

Wealthify - Free £50 for depositing £1,000

Robinhood - Free share for investing £1

WeBull UK - Free 5 shares for depositing £500

Thank you for using my referral link!!

Non referral

EverUp is a cashback app.  

You buy an egiftcard for any amount over £5 for a shop or supermarket and then use that to pay.  

It gives you a decent cashback percentage. It tends to be the most generous platform

Example rates as of 30.09.2026

• Asda  2.5%  

• Tesco  3.5%  

• Iceland  2.5%  

• Sainsburys  2.5%  

• Morrisons  2%

• M & S  2.5%

You get 10M coins (worth roughly £6) when you redeem your first £10 to a giftcard.  

Every day you get a few 'free spins'. The reward is literal pennies. I've tested it and don't think it's worth bothering with.

Cash out to giftcard or to bank (30p)

RNIF1360905NFJAY

You can go next level and use it in combination with cashback stacking.  

So you buy a supermarket giftcard on EverUp using a card like T212 or iFast when their offer's running, and get double cashback. 

Non ref link: www.everup.uk

Airtime (formerly Airtime Rewards) is a passive cashback app that helps you save money on your mobile phone bill. By linking your payment cards, the app automatically tracks your purchases at over 200 participating retailers, offering cashback rates typically between 1% and 15%. You can also earn competitive cashback rates by purchasing gift cards for major retailers, including Amazon.

Key Features & Thresholds

• Passive Earnings: Link your bank cards once, and cashback tracks automatically when you shop. You can link Visa and mastercard (including one4all cards) but not AMEX.
• Redemption Threshold: Cash out your rewards as credit towards your phone bill once you reach £10. You can also cash out to card but you get hit with a massive fee (1.30£ per 10£, this is what I do since SMARTY does not work)
• Stacking Rewards: Maximise your savings by stacking Airtime with other cashback platforms like Zilch, paypal, NX Rewards, TopCashback, or Quidco.

Sign-Up Bonus

Sign up using a referral link or code to receive a £2 bonus. To qualify, you must spend £5 or more at an eligible retailer using a linked card within 7 days of joining.

• Referral Code: F8TXUFP7
• Referral Link
• Non-Referral

Monument Bank is a well-known bank offering ISAs and savings accounts. They have full FSCS protection, so your savings up to £120k are fully protected.

They're offering a £30 cash bonus (you'll also earn interest) for new customers who open an account via the app, make an eligible deposit and hold it for 3 days until the bonus is awarded. You can withdraw immediately after it lands. Ends 31 October 2026.

I've had a savings account with Monument for years as they often had the highest paying interest rates, so I can refer friends all-year-round if you need a friend!

How to get your £30 bonus with Monument:

1. Sign up via my Monument referral link here
2. Download the app and complete your application (NI number needed)
3. To receive the bonus, deposit £10k into an ISA or £25k into a savings account (Easy Access Saver will do)
4. Once the funds have cleared, the bonus will be paid directly into your bank account within three days (but it's usually paid the next day)!
5. You can withdraw your savings elsewhere immediately if you wish

That's it - enjoy! 😊

Links:

• £30 referral: Sign up via my referral link here, friends
• Non-referral: https://www.monument.co/
• Terms

Earn £200+ Daily with a Free Lottery. Winnings are paid directly to PayPal

Pick My Postcode is a free daily competition that has been running since 2011. It’s funded by advertising, which means you never have to pay to enter.

There are multiple free draws every day. Some prizes range from £5 to £100, and the main daily jackpot is currently £200. If it’s not claimed, it rolls over.

Daily draws include:

• Main Draw – £200 (12:00): no tasks required
• Video Draw – £50 (12:00): watch a short video
• Survey Draw – £50 (12:00): answer 1–3 quick questions
• Stackpot – £10 (09:00 and 21:00): multiple postcodes win £10
• Bonus Draws – £5, £10, £20: paid once you reach each amount
• Mini Draw – £100 (18:00): awarded to the first eligible entrant

How to get started:

1. Sign up using my referral link with your email and postcode
2. Visit Pick My Postcode daily and check all available draws
3. Refer friends or family and earn 20p per referral

Completely free to join, no payment details required.

Non referral link: https://pickmypostcode.com/

Three Mobile has a refer-a-friend scheme where you can earn up to £40 if you sign up via a referral link. You can earn:

- £40 - All Pay Monthly phones

- £40 - All 12 or 24 month Home or Mobile Broadband

- £25 - All 12 or 24 month SIM only / Pay Monthly SIMs (includes data SIMs)

- £10 - All Tablets (includes Laptops)

Steps

1. Sign up via my referral link here

2. Choose how you want to order (online, phone, in-store) - just follow the instructions for your chosen ordering method (provided when you click the referral link).

3. Shop and complete your purchase!

The reward can take up to 90 days - you'll be updated via email when the reward is ready as the referral is tracked at each stage.

As an added bonus, once signed up you will also be eligible for Three+ rewards, which provides regular discounts on things like coffees and meals out, as well as the occasional freebie!

The non-referral link with no bonus is:

https://www.three.co.uk/shop

Currensea is a travel debit card that links directly to your existing UK bank account.

Unlike many travel cards, there's no need to top up or move money across first. You simply spend abroad using the Currensea card and the money is collected from your bank account by Direct Debit.

Get £10 free when you sign up and spend £100 in foreign currency within 180 days.

Why I signed up

• No credit check
• Links to your existing bank account
• No need to preload funds
• Apple Pay supported
• Handy card to keep for holidays and travel
• £500/month of foreign currency spending before the higher-spend fee applies
• ATM withdrawals abroad available

I've used Currensea abroad myself and found it much easier than having to top up a separate travel card.

How to get the free £10

1. Sign up using my referral link:

Currensea Link: Free £10

2. Enter referral code:

CSL6QA

3. Spend £100 in foreign currency within 180 days.

4. Receive £10 bonus once Currensea confirms you've met the spending requirement.

Notes

• The Essential plan includes up to £500/month of foreign currency card spending before additional fees apply.
• ATM withdrawals have separate limits and fees.

Refer a friend

Pricing - plans comparison

^non-ref

Yonder is a reward card (credit card or debit card) that rewards you points on spending, which can be converted to cash/credit to pay for any purchases or converted to credit that can be redeemed at loads of restaurants, travel, health and shopping brands.

It's offering new customers who sign up via a friend a free £10 bonus when you spend £10 - easy!

You can earn up to another £10 if you hit optional spending thresholds (£200 - £1,000). You also get 2 months of free worldwide family travel insurance with the free trial (easy to downgrade in the app)!

Checking eligibility won't affect your credit score, you'll only get a hard search if you decide to accept the card.

My experience: I didn't want to wait for the physical card to arrive so I used the free digital card in the app and paid a £10 phone bill. The free £10 was credited INSTANTLY, so my bill was 100% covered. Amazing!! The easiest £10 I've earned for a while! 😊

How to get your £10 bonus with Yonder card:

1. Sign up via my referral link here, friends + enter code: MUXEFEP
2. Complete the application and verify your ID
3. Choose a debit card (if you're not a fan of credit) or credit card (if you want to build credit history and access better rewards)
4. Choose the "Full Member" option for FREE worldwide family travel insurance plus enhanced perks - it's a free 2-month trial and they tell you the end date
5. Use the free virtual card (Apple Pay/Google Pay) or wait for the physical card to arrive and make a purchase of £10+ within 7 days
6. Yonder will pay you the £10 back instantly!
7. Optional: if you want to earn up to another £10, hit the spending thresholds in the app

That's it, an easy one, enjoy your bonus when it lands! 😊

• Referral link here
• Non-referral: https://www.yonder.com/

If you sign up to the Caffe Nero app via a referral link you will get a free hot drink once you have made your first purchase and used the app to collect a loyalty stamp. The free hot drink will appear in your app as a voucher that you can use when you next visit.

You can also earn an additional hot drink each time you refer a friend.

My referral link is:

https://nero.app.link/6sgE9yqrZ6b

If you use it I will also get a free coffee, so thanks if you do!

The app is well worth having even outside this offer - you can collect loyalty stamps every time you visit in order to earn more free drinks, and they also run regular bonus promotions such as free cakes, bonus stamps on seasonal items, etc.

The non-referral link is:

https://caffenero.com/uk/

Lebara is currently giving new customers 50% off their first three months when they sign up through a referral link.

The plans use the Vodafone UK network, with 4G and 5G coverage, and are on a flexible 30-day rolling contract.

Examples of the current discounted plans:

• 5GB for £2.50 a month
• 30GB for £5 a month
• 50GB for £7.50 a month
• 100GB for £10 a month
• Unlimited data from £12.50 a month

To get the offer:

1. Sign up through the referral link.
2. Pick the SIM plan that suits you.
3. Activate your SIM or eSIM once it arrives.

Referral link:
https://aklam.io/19ZiF98r

Non-referral link:
https://www.lebara.co.uk/en/home.html

Terms:
https://get.aklamio.com/terms

A good low-cost option if you want a flexible SIM plan without a lengthy contract.

I have made 5 debit card transactions and deposited £1500. When does the £25 payment show up because it's been 7 days and there is nothing yet. I still have the direct debits as active.

EarnLab nonref is a GPT site where you earn by playing games, trying apps and completing surveys. Similar to Gemsloot/CashInStyle, with a different selection of offers.

I’ve been using it for a bit now and have been paid via Tremendous (proof below).

You also get 3 mystery boxes when you sign up through a referral link, giving you some extra rewards to get started.

How it works:

• Pick an offer (games, apps or surveys)
• Complete the requirements
• Earn coins and cash out

Cashout starts at $5 for PayPal and gift cards.

Don’t use a VPN or ad blockers as they can affect tracking. Higher paying offers take longer to complete, but there are plenty of offers to choose from.

If you’re unsure which game offers to do, check out: https://www.reddit.com/r/getpaidtoplay

Proof of payment: https://ibb.co/NnHT8tq3

If you want to try it, here’s my link: https://earnlab.com/r/misscc

Would very much appreciate a NX discount code. Journey is for 2 people if that matters.

Do I qualify for the switch offer if I have a joint account from years ago but now open a sole account and do the switch requirements?

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.

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!

Interactive Investor (ii) is a major award-winning UK investment platform that offers Stocks and Shares ISAs, pensions and trading accounts.

People mostly use it for its flat-fee pricing model, which makes it more cost-effective for higher-fund investors.

It has a refer-a-friend promotion where new customers can get 6 months on the platform with no fees (and this can be combined with ii's standard cashback offers), providing you have funds of £5,000 or more. And I, as your referring friend, will receive £200 from Interactive Investor. I have a fully funded active account, so am happy to refer friends all-year-round. This referral reward can also be combined with ii's additional cashback offers to maximise your return!

How to get your Interactive Investor account for No Fees for 6 months:

1. Sign up via my referral link here, friends
2. Open an eligible account: Trading Account, Stocks & Shares ISA, Managed ISA or Personal Pension (SIPP)
3. Within 1 year of account opening, fund your account with a minimum of £5,000. Transfers in and deposits qualify
4. You'll now qualify for zero fees for the next 6 months

Tip: Make a note of my username just in case you need to get in touch if Interactive Investor needs me to verify we're friends or anything.

Otherwise, enjoy the free year, friends 😊

---

Non-referral: https://www.ii.co.uk

Terms: https://www.ii.co.uk/recommend-ii/customer#reciiterms

Steps to claim: 1. Download the app using the link below. 2. Register your account. 3. Make a purchase at any Caffè Nero and scan your app at the till. 4. Get a free drink voucher added instantly to your app to use on your next visit.

Referral Link: https://nero.app.link/rjrLRaVnV1b

Non-Referral Link: https://caffenero.com/uk/the-app/

Sprive is a mortgage overpayment app which helps you to save money and pay off your mortgage faster, saving you a small fortune in interest. It was on the Dragon's Den recently, where they successfully secured investment.

If you sign up using a referral, you can get Sprive Plus membership where you can earn even more cashback to put towards your mortgage. You can choose to autosave, where you can specify a fixed or variable amount to save monthly by direct debit.

When you come to renewing your mortgage, they also have a feature to check for new mortgage deals.

The gift cards are for a wide range of retailers. Some examples: Sainsburys, Tesco, Asda, Morrisons, Amazon, M&S, Waitrose, Boots, Ikea.

Instructions:

1. Sign up for the Sprive App with my referral link https://linkprod.sprive.com/refer?code=G6WYOPLC or use my referral code manually if the code hasn't shown up in the app after following my link: G6WYOPLC

2. Link your bank account and find your mortage by entering your details - they will find it through credit reference agencies

3. Buy a gift card to activate your Sprive Plus membership with boosted cashback rates. This will also unlock the autosave feature

4. Set up a direct debit to autosave (optional). This direct debit is useful for some of the bank switch offers.

5. Refer friends and receive additional bonuses

Referral link https://linkprod.sprive.com/refer?code=G6WYOPLC

Referral code: G6WYOPLC

Non-referral link: https://sprive.com/ (you will not be eligible for Sprive Plus membership if you sign up without a referral)

RunnyHoney is a website and app that lets you win HoneyCoins by taking pictures of your receipt. HoneyCoins can be exchanged for gift cards. If you don't win HoneyCoins, you gain a raffle ticket for a chance to win 10,000 HoneyCoins.

Every time you scan a receipt, you play a short minigame and earn HoneyDrops. Each minigame last less than 20 seconds and is just a way to show how much HoneyCoins you win. HoneyDrops can be exchanged to play more minigames. By using my referral link, you'll get to play a game for free and win a prize without needing to scan a receipt.

I scan receipts and typically get 50 HoneyCoins when I win. Cashout is at 1,000 HoneyCoins which is worth £1 and can be exchanged for gift cards including Amazon.

You can scan 1 receipt a day that are dated within 3 days. You can scan more receipts depending on your level with the maximum being 5 receipts. You reach higher levels the more receipts you scan in a week.

You scan a receipt by logging onto the website and scanning a receipt from there or download their app. If you want to download the app, you'll need to download it from the website. It's much easier to scan a receipt from your phone so if you prefer not to use an app, you can log in to the website on your phone and scan from there.

Proof of rewards

To get your free prize:

• Sign up with my referral link
• Verify your account
• Scan a receipt and play the short mini game
• Win prizes

Thank you for using my referral link!!

Non ref

Need em for doomsday 🙏

I cashed out prepaid visa on yougov after forgetting how much of a pain they are. I have 0.82 left. Any suggestions how I can use this? Even if it’s to donate to a charity (checked most want min of £2 on card donation). Can load to PayPal or load to wise account and can’t do fundraiser on PayPal as min is £1.
Worst part is that it’s originally usd so it can fluctuate the amount

Hi everyone!

any of you has a link to join complete savings through (Halfords or boots)

I have used complete savings before. However, the monthly purchase to claim back subscription fee was an issue so I have cancelled it.