Relocating to UK

Provider

Monzo

HK$100

Monzo's referral terms give a new UK customer 30 days from entering their mobile number on the invite page to open an account, add money and make one card payment. Your reward is random: £10 for 94 people in 100, £20 or £50 for the rest, and only £5 in some cases. Most people get £10, so don't count on £50.

Requirement: Add money (any amount) and make one eligible Monzo card payment within 30 days

Provider

Monese

HK$100

Just landed in the UK and can't open a bank account yet? Monese opens with ID and a video selfie. The invite page says: activate the physical card and make one card payment for £5, then spend £500 for another £5, all within a year of opening, with each £5 paid once the payment settles (up to 72 hours). Card delivery can cost £4.95 and Pay As You Go charges £0.99 per transfer in and £1.29 per transfer out, so do the maths first.

Requirement: Stage 1: activate the physical card and make one card payment; stage 2: £500 of card spending or qualifying transfers, within 1 year

Provider

Wise

HK$70

Moving to the UK, or always sending money abroad? Open Wise through this invite link and pick one gift: a free physical card (normally £7) or one fee-free transfer of up to £500. No spending needed, just sign up and choose. The free transfer is single use, applied automatically to your next transfer within 6 months, and doesn't cover card payments or same-currency top-ups. Heads-up: Wise is an e-money institution, not a bank, so your balance isn't FSCS-protected.

Requirement: None: signing up through the invite link is enough to choose the gift

Provider

Zopa Biscuit

HK$200

Open a Biscuit bank account through JengDeal's Zopa invite link and you get £20, provided you've never used the Zopa app or held a Zopa product. Enter your mobile number on the invite page first and finish within 30 days; the live invite terms control.

Requirement: None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number

Provider

Chase UK

HK$500

Chase pays you £50 when you activate a single-use referral code in the app and pay in £1,000 in total within 30 days of opening your first account. Chase only lets customers send codes to people they know, so request a private invite from this page rather than relying on a public code. Code and £1,000 share one 30-day clock, so don't sit on it.

Requirement: Activate a personal single-use code and pay in £1,000 in total within 30 days of opening your first Chase account

Provider

Revolut

Free account

Open a Revolut personal account through this invite link: the Standard plan is free, and you're good to go once Revolut checks your photo ID and selfie. It's a handy multi-currency account for travel and everyday spending, holding 30-plus currencies, with Pockets, monthly budgets and free virtual cards for Apple Pay and Google Pay, and there's no bank switch.

Requirement: None: the Standard plan is free

Provider

Revolut Business

Business account

Open a Revolut Business account through JengDeal's invite link, then pass Revolut's business and identity checks. The account is with Revolut Bank UK Ltd, a PRA-authorised UK bank, so eligible deposits are FSCS-protected up to £120,000, and it comes with team cards, international payments and exchange at the interbank rate within a monthly allowance. Company plans start at £10 a month.

Requirement: None: company plans start at £10 a month

Provider

Skrill Money Transfer

HK$100 credit

Join Skrill as a new member through a personal invite and send at least £100 abroad to earn £10 of transfer credit. The credit comes off your next eligible transfer of £100 or more (clause 3.6 also mentions use on the first, so check the checkout), expires after three months and isn't cash.

Requirement: One completed transfer of at least £100, excluding fees or taxes, to a recipient in another country; using the credit needs another eligible £100+ transfer

Provider

Zilch

HK$50

Trying Zilch in the UK? Sign up through this link, get your ID checked, approved and your card issued within 30 days, then make one small Tap and Pay purchase on Pay now, and Zilch adds £5 in Rewards within 10 working days. Rewards aren't cash: on the free Standard plan they only work at stores listed in the app and expire after 12 months. Zilch charges no late fees or interest, but Auto Snooze is on by default and costs £1 or £2 per failed instalment, and missed payments can block the account and hurt your credit file. UK 18+ with a UK debit card.

Requirement: Verify your ID, get approved and receive your card within 30 days; the referral page also asks for a first Tap and Pay purchase

Provider

Currensea

HK$100

Moved to the UK and spending abroad or on overseas sites? Currensea is a travel debit card that spends straight from your existing UK bank account, but only 14 UK banks are supported: Monzo, Starling, Revolut and Chase are out. Sign up with CKKYY7, spend £100 in foreign currencies within 180 days of opening, and Currensea's referral page says you get £10, sent by bank transfer within 5 working days of qualifying; don't cancel the card within 90 days. Its checks are soft searches with no footprint, but you need no active CCJs.

Requirement: £100 in foreign currencies within 180 days of opening; keep the card for 90 days

Provider

Marriott Bonvoy Debit Card (Currensea)

2,000 pts for you

You don't need another credit card to stack travel points. Apply for the Marriott Bonvoy Debit Card (by Currensea) with referral code CK7LHN, get approved, and make one genuine purchase — the official terms name no minimum amount, so even a small one counts — and you pocket 2,000 Marriott Bonvoy points, landing within 14 calendar days of the qualifying transaction. Three gotchas: the transaction can't be cancelled, refunded or reversed; don't close the account within 90 days of approval or the bonus is gone; and the points are points, not cash — non-transferable, no cash value. 18+, a valid mobile number, and never having held the card before is all it takes.

Requirement: First genuine card purchase; no minimum transaction amount is stated

Provider

Whatnot

£10–£200 credit

Never tried live-shopping? Open a new Whatnot UK buyer account through the invite link jimbb, verify your phone number, and a randomly determined £10–£200 promo credit lands in your account — the amount is revealed during sign-up, so it's a proper lucky dip. The credit only covers the eligible order subtotal: shipping, fees and taxes are still on you, and it has zero cash value. Two catches worth knowing: it's locked to sellers transacting in GBP, and it expires 90 days after issue. Also, live auctions are engineered to get your heart racing — set a hard total budget before you join a show, and don't buy stuff you don't need just to use the credit up.

Requirement: No minimum order value; credit covers the eligible order subtotal only, not shipping, fees or taxes

Provider

Sprive

Free Sprive Plus

Paying off a UK mortgage? Sprive is an app built for overpaying it: it sets money aside by direct debit and sends it, plus rewards from shopping cards you buy in the app, to your lender as overpayments. Your mortgage has to be with one of its 16 supported lenders. Sign up through our invite with CPR1I93Y: the invite says you get Sprive Plus free (check in the app what it includes), and a first shop before 3 January 2027 enters you into Sprive's draw to have your next mortgage payment covered. Rewards can never be taken as cash, only paid to your mortgage.

Requirement: None: no minimum shop; a first shop in the app before 3 January 2027 enters the prize draw

Provider

Airtime Rewards

HK$20

Earn while you shop, then knock it off your phone bill — it's a tidy little loop. Join Airtime Rewards with code KXLWU8VY, spend £5 at participating retailers within 7 days, and a £2 new-user bonus is yours. Heads-up: gift-card purchases don't count toward the qualifying spend, so don't trip over that one. After that, keep earning across 200+ retailers and cash the rewards in against your mobile bill. Dead simple, with two strings attached: you link a payment card so spend can be tracked, and retailer line-ups and rates can change — glance at the live terms first.

Requirement: £5 spend within 7 days

Provider

Snoop

HK$50

Snoop is the money-monitoring app that watches your wallet and dishes out saving ideas. Join through the referral link, connect a bank or credit-card account via Open Banking by 31 January 2027, keep it connected with the app installed for 28 days, and Amazon emails you a £5 voucher on or just after day 28 — no spending required. Note it's a voucher, not cash, and it's for UK residents aged 18+ who have never used Snoop. Linking your bank is the whole ask, so read Snoop's privacy and security info first and only connect if you're genuinely comfortable.

Requirement: Connect a bank account or credit card by 31 January 2027 and keep it connected, with the app installed, for 28 days

Provider

Rakuten UK

HK$250

If you're shopping anyway, why not route it through Rakuten? Join Rakuten UK via the referral link JIMBBC2 and link your bank account (no linked account, no bonus). Then spend £50 (excluding VAT and fees) at brands offering cashback within 90 days of joining, with Amazon orders and gift cards left out. Once those orders are confirmed, the £25 lands in your next Cashback payment. The £50 can be split across multiple purchases and brands, which keeps it flexible. But mind the tripwires: cancelled, returned, exchanged or untracked orders don't count. Pro tip: use a clean browser session and click through from Rakuten right before buying.

Requirement: £50 of tracked spend excluding VAT and fees within 90 days; Amazon and gift cards excluded

Provider

TopCashback

HK$100

A proper UK institution for cashback. Join TopCashback through the referral link hehazone, earn £10 of approved cashback within 180 days of joining, and a £10 welcome bonus lands on top — the keyword is approved: tracked isn't the same as confirmed, and the retailer has to validate it first, so patience is part of the deal. Then keep stacking cashback across 5,500+ retailers and withdraw to your bank, PayPal or gift cards (gift cards sometimes come with a top-up bonus). New accounts start on Plus (£5 a year taken from your cashback); switch to the free Classic tier before you start earning if you don't want it. Cashback can take weeks or even months to confirm — nobody said it was instant.

Requirement: Earn £10 of approved cashback at eligible brands within 180 days of joining

Provider

Quidco

HK$100

Quidco sets the bar refreshingly low: join through the referral link 1180562, earn £5 of confirmed cashback shopping through Quidco, and a £10 bonus unlocks. The whole trick is that word confirmed — pending, declined and returned purchases don't count, and confirmation normally takes 3–6 months, so don't hold your breath. For tracking that actually tracks: click through from Quidco right before checkout, keep cookies on, and steer clear of non-approved voucher codes. Once the £10 bonus lands, the shopping cashback stacks on top. Joining is free.

Requirement: £5 confirmed cashback; pending or declined cashback does not count

Provider

everup

10M coins

Gift-card cashback with zero tracking wait: everup credits it the moment you buy, and that's the whole pitch. Sign up with referral code RJIM2190356MPLOV, buy gift cards from 150+ UK brands for up to 20% instant cashback, and the first time you redeem £10 or more of Cashback Points on gift cards (a bank cash-out doesn't count), a 10M-coin welcome bonus unlocks. Let's be clear about the coins: they're in-app currency for free spins and scratchers, not fixed cash, and their real value is usually tiny — treat them as a party trick, not the prize. Cashback withdraws to your bank from £10, at 30p per cash-out. Only buy gift cards for places you'd spend anyway, and check the live app for current rates and terms.

Requirement: Redeem £10 or more of Cashback Points on gift cards to unlock the 10M-coin bonus (a bank cash-out doesn't count)

Provider

JamDoughnut

HK$30

Always buying from the same few brands? Pre-buy it as gift cards and skim cashback off the top. Sign up to JamDoughnut with code XKNB and your first gift-card purchase earns a 300-point (£3) first-purchase bonus. Every gift-card purchase after that earns instant cashback, no weeks-long tracking purgatory. One thing to know: cash-out needs 1,000 points (£10) and bank cash-outs cost 30p, so the £3 alone won't make it out — stack it with your cashback. Bonus points expire 6 months after your last purchase. Brands, rates and the Jamtastic weekday draws can all change, so check the live app.

Requirement: First eligible JamDoughnut gift-card purchase

Provider

Parcel2Go

20% off, max £10

Got a parcel to send? Go through this Parcel2Go referral link first: new customers get a voucher for 20% off their first order, capped at £10. Compare courier services, delivery times and protection, drop your email in the referred-friend flow, then apply the voucher at checkout and watch the discount land before you pay. Heads-up: the voucher lasts one month from issue, can't be combined with other codes, and is for new customers only. Used right, that's up to £10 back in your pocket.

Requirement: New customers only; make a qualifying first order within one month, with the 20% discount capped at £10

Provider

OpenRent

Free listing

Got a UK property to let? Use this landlord invite to open an OpenRent account and advertise it on OpenRent for free, with no obligation to buy upgrades. Being upfront: the invitee doesn't get cash or extra credit. But if you were going to list anyway, a free OpenRent-only advert is a tidy saving, and this link gets you there.

Requirement: Create a landlord account and list a genuine UK rental property; OpenRent-only advertising is free

Provider

Octopus Energy

HK$500 credit

Thinking of switching energy supplier? Move to Octopus Energy with referral code teal-eve-757 and you get £50 energy credit on a home switch. Business and charity switches get an even juicier £75. The credit usually lands after your switch completes and the first Direct Debit goes through — it's account credit, not instant cash. Compare the tariff against your current deal first: only switch if the numbers work for your usage, not just for the £50.

Requirement: Eligible Octopus Energy home, business, or charity switch

Provider

giffgaff

HK$50 credit

A free SIM card plus £5 credit on activation? That's the kind of easy win you don't walk past. Order your free giffgaff SIM through this page, activate it when it arrives, and the £5 extra credit lands under giffgaff's current offer terms. Fair note: it's mobile account credit, not cash — and the plan, coverage and price still need to suit your actual usage. Get in!

Requirement: Order a free giffgaff SIM through the affiliate link and activate it to receive £5 extra credit

Provider

iD Mobile

HK$350

Switching mobile plan and getting paid for it? This one's worth a proper look. Accept the iD Mobile invite and complete an eligible pay-monthly order through the tracked referral journey — phone contracts and SIM-only both count — and you land a cash reward, currently £5 to £35 depending on the plan. The full £35 is only on the qualifying plans in the live reward table, so check before you commit. One honest note: confirmation can take up to 120 days, and the plan price, contract and coverage matter more than the bonus — a pricey contract wipes out a £35 sweetener fast.

Requirement: Complete an eligible iD Mobile pay-monthly phone or SIM-only order; reward varies by plan

Provider

Lebara Mobile

50% off for 3 months

Want it cheap without a long contract? Lebara's Refer and Earn is a tidy fit: order a SIM-only plan through the referral link and the new-customer discount applies itself at checkout — currently advertised at 50% off for the first three months, no code to type, the link does the work. Double-check the basket price before you pay. The 30-day rolling plans mean no long contract, and the international minutes are Lebara's whole selling point — worth a look if you call home a lot.

Requirement: Buy an eligible Lebara SIM-only plan through the referral link as a new customer

Provider

HomeServe

HK$250

Boiler playing up? Pipes plotting against you? Take out a selected HomeServe home cover policy through this referral link, stay a customer for at least 90 days with premiums paid, and you get a £25 Amazon.co.uk gift card by email. Straight talk: it's a gift card, not cash, and cancelling inside the 90 days voids it. If you were already shopping for home cover, that £25 is a sweet bonus — but don't buy a policy you don't need just for the voucher. HomeServe's live refer-a-friend terms call the shots.

Requirement: Buy a qualifying HomeServe cover policy online and stay a customer for at least 90 days with premiums paid

Provider

Raisin UK

HK$1,000

Register through our link as a new Raisin UK customer, then make your first savings account a fixed-rate bond of one year or longer with at least £10,000 in it, opened and funded within 365 days of registering. Raisin pays you £100 within 28 days of opening and funding, with no claim needed. Bond money is normally locked until maturity, so compare the rate and term first.

Requirement: At least £10,000 in one first qualifying fixed-rate bond for one year or longer, opened and funded within 365 days of registering

Provider

Wealthyhood

Invest from £1

There's no joining reward at Wealthyhood right now: we can't find any sign-up offer running. It's a UK app for buying stocks and ETFs from £1, with no commission on the free Basic plan, but there's no ISA. Only open an account on Wealthyhood's official site if it suits you. Investing involves risk.

Provider

eToro

HK$78

Small but simple: register a new eToro account through our invite link and make a deposit, and eToro's invite screen says you can get up to $10 in free stocks. The Terms & Conditions linked on that screen set the minimum deposit and timing, so check them before you move money. No need for complex products to claim it — keep it simple. Investing involves risk; not investment advice.

Requirement: A deposit after registering; eToro's live Refer a Friend terms set the amount

Provider

J.P. Morgan Personal Investing

6 months fee-free

Even the big banks have referral perks. Request a private invite from this page, open a new J.P. Morgan Personal Investing (formerly Nutmeg) account with the same email, and put in at least £500 of new money within 30 days of your first investment (£500 even for a Lifetime or Junior ISA; transfers in don't count) to get 6 months with no management fee. The fee is normally 0.75% a year on the first £100,000 (0.45% for Fixed Allocation), so £5,000 saves about £18.75 over the six months. To be clear: it's a fee holiday, not cash, fund costs and spread still apply, and the 0% can take up to 45 days to start, with the normal fee until then. It runs ready-made ETF portfolios for you: you pick a style and risk level, not your own shares or funds. Investing involves risk; not investment advice.

Requirement: £500 of new money within 30 days of your first investment, even in a Lifetime or Junior ISA; transfers in don't count

Provider

AJ Bell

HK$1,000

Request an invite through this page. If you have never been an AJ Bell customer and get £10,000 in total into eligible accounts within 120 days of your first account application, you get a £100 Amazon.co.uk gift card by email 30 days after funding, as long as at least £10,000 is still held. AJ Bell can reclaim it within 12 months if withdrawals or transfers cut your account value by more than 75%.

Requirement: £10,000 total eligible funding within 120 days of the first account application; £10,000 still held when the voucher is issued

Provider

InvestEngine

HK$2,000

Join InvestEngine through this referral link as a new customer, open an eligible personal account (ISA, GIA or SIPP) and invest at least £100, and InvestEngine's referral terms let you claim randomly drawn funding of £20–£200. You must then keep at least £100 plus the bonus invested for 12 months.

Requirement: Invest at least £100 in an eligible personal InvestEngine portfolio (ISA, GIA or SIPP)

Provider

Moneyfarm

20% off fees, 6 mo

Rather not pick stocks yourself? Moneyfarm runs managed portfolios. Sign up through our link or with code MF650641 and, per Moneyfarm's in-app invite screen, you get 20% off your Moneyfarm fees for 6 months once you start investing. It's a fee cut, not cash, and Share Investing charges aren't included. A managed account needs at least £500. Investing involves risk; not investment advice.

Requirement: £500 minimum to open a managed account; top-ups from £100

Provider

Vitality

HK$1,000

Thinking about health or life cover anyway? Buy a qualifying Vitality personal health or life plan directly through this link, pay at least £25 a month, enter your membership number through Vitality's referral email within 60 days of the plan start, and you can claim a £100 Amazon or John Lewis gift card. This is not instant money: the reward email lands 90 days after you enter the number, as long as the plan is active with every premium paid, and you've got 90 days to claim it. Quick maths — that's about £75–£100 in premiums before anything arrives. Held a Vitality plan in the last 12 months, or just joining an existing plan? Doesn't count. Only consider this if you actually want the cover, not as an excuse to buy insurance for a voucher. Live Vitality terms control.

Requirement: Qualifying VitalityHealth Personal Healthcare or VitalityLife long-term plan with at least £25 monthly premium; active with all premiums paid for 90 days after you enter your membership number

Provider

Kinesis Money

0.5 KAG silver

Half an ounce of silver is not a free lunch, so price the entry ticket first. Sign up to Kinesis Money through the referral link, verify your identity, then trade at least US$17,500 in gold, silver or any crypto asset on the Kinesis Exchange to get 0.5 KAG, half an ounce of silver. You don't need to deposit US$17,500 at once; smaller repeated trades count, for example US$1,750 ten times. But every trade costs 0.22%, so the fees alone come to about US$38.50, before spread and price moves, and can easily cost more than the half ounce: don't churn just to chase it. The terms set no payout timeframe and no deadline. KAG is treated as a cryptoasset, the operator Kinesis Cayman is registered in the Cayman Islands, there is no UK FSCS or Financial Ombudsman protection, and Kinesis itself warns you could lose part or all of your investment.

Requirement: Complete identity checks, then trade at least US$17,500 in gold, silver or crypto on the Kinesis Exchange

Provider

Post Office Travel Money Card

HK$100

You'll need a travel money card eventually — so why not grab £10 in the process? Order a new Post Office Travel Money Card through this referral link and load at least £100 within your first three loads (within 3 months), and you get £10 loaded onto the card. Two things to remember: cancel during the 14-day cooling-off period and the reward's gone; and the £10 is prepaid card credit, not cash — it lands within 4 weeks of qualifying, never before the cooling-off period ends and no later than 3 weeks after it. One qualifying card per person.

Requirement: Order a new Travel Money Card and load at least £100 across the first three loads, within 3 months

Provider

TrainPal

HK$30 off

UK train riders, listen up: register on TrainPal with invite code 880961f5$00 (or the referral link above) and grab up to £3 off a train ticket. The referral screen says you pocket a £3 promo code as soon as you register. Check the promo code in the TrainPal app and apply it to an eligible booking. The fine print: it's a ticket discount, not cash, and eligible tickets, minimum spend and expiry follow TrainPal's live terms.

Requirement: Current TrainPal promo-code and eligible train-ticket terms

Provider

Virgin Red

1,000 Virgin pts

Virgin Red, Virgin's free rewards club: join through this referral link — it costs nothing, so get in there. Then, within 18 months, earn your first Virgin Points from any qualifying earn in the app or website's Earn section, and a 1,000-point bonus lands by email as a promo code (sent within 7 days of the points crediting) that you must redeem within a month — use it or lose it. Virgin Points stretch across Virgin Atlantic flights, train tickets, coffee and Percy Pigs. Don't say I didn't tell you: buying points, conversions, bonus awards, prize draws and games don't count as qualifying earn, and it's UK residents 18+ only.

Requirement: Complete one qualifying earn transaction from the Earn section of the Virgin Red app or website within 18 months (not buying points, conversions, bonuses, prize draws or games)