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Revolut is one of the UK's largest fintech banks with a long-running refer-a-friend scheme that rewards both parties when a new customer orders a card and completes qualifying spend.

Monument is a UK challenger bank aimed at savers and mass-affluent clients, offering fixed-term savings and easy-access accounts with a periodic refer-a-friend bonus.

Yonder is a UK Mastercard rewards credit card built around dining, travel and city experiences, with a referral scheme paying points to both parties.

American Express UK runs one of the most generous referral programmes in the country, paying Membership Rewards points or statement credit when a friend signs up for an eligible Amex card.

Zable (formerly Fluid) is a UK credit card and buy-now-pay-later app aimed at customers building or rebuilding credit, with a periodic referral programme.

Klarna's UK shopping app runs periodic 'refer a friend' vouchers for new users who complete a qualifying purchase using pay-in-3 or pay-in-30.

Klarna's UK debit-style balance and card lets you pay upfront rather than via credit, with an in-app refer-a-friend bonus for both parties.

Clearpay is Afterpay's UK arm — a pay-in-4 buy-now-pay-later service with a periodic referral discount for both parties on their next order.

Zilch is a UK pay-over-time and rewards app that runs a refer-a-friend bonus paid into your Zilch balance after your invitee completes a qualifying purchase.

Wise (formerly TransferWise) is a UK-based multi-currency account with a refer-a-friend scheme that pays cash once your invitee sends a qualifying international transfer.

PayPal UK runs a rotating refer-a-friend scheme paying cash into both accounts once your invitee sends or receives a qualifying payment.

SumUp is a UK card reader and small-business payments provider with a partner referral scheme paying cash when a new merchant activates a reader.

Monzo's business current account periodically runs a partner-referral bonus paid to both parties once a new business account is opened and funded.

Plum is a UK automated saving and investing app with an FCA-authorised Stocks & Shares ISA, general investment account, and a refer-a-friend cash bonus.

Wealthify is a UK robo-investor owned by Aviva, offering fully-managed Stocks & Shares ISAs, JISAs, pensions and general investment accounts, with a periodic refer-a-friend bonus.

iFast Global Markets UK offers a self-directed investment platform for ISAs, GIAs and SIPPs, with occasional welcome bonuses and refer-a-friend rewards.

JP Morgan Personal Investing (Nutmeg's parent-group platform) lets UK customers invest in JPM-run portfolios inside an ISA or GIA, with a refer-a-friend bonus.

IG is a UK-listed spread-betting, CFD and share-dealing broker offering ISAs and SIPPs, with periodic refer-a-friend cash rewards for active traders.

Robinhood UK is the FCA-authorised arm of the US-listed broker, offering commission-free US and UK share trading with a refer-a-friend free-share reward.

Octopus Energy is a UK renewable energy supplier with one of the biggest ongoing referral schemes — cash credit for both parties when a new customer completes a switch.

EDF is a major UK energy supplier with a customer-only ‘Recommend a Friend’ scheme that credits both accounts once the new customer's switch completes.

E.ON Next is a major UK energy supplier with a periodic refer-a-friend credit for both parties when a new customer completes a full supply switch.

Rakuten is a global cashback site offering percentage cashback at hundreds of UK retailers, with a welcome bonus paid after your first qualifying purchase.

Jam Doughnut is a UK app that lets you buy gift cards from high-street retailers at a discount, effectively giving instant cashback plus a refer-a-friend bonus.

Cheddar is a UK cashback app offering instant payouts on purchases at high-street partners and a refer-a-friend bonus when your invitee links a debit card.

Shopmium is a UK grocery cashback app — buy featured products at any supermarket, upload the receipt, and get cashback plus a free product welcome offer.

Snoop is a UK Open-Banking money app that surfaces switching, cashback and bill-saving deals, with a periodic refer-a-friend voucher for both parties.

Airtime Rewards partners with UK retailers to give cashback off your mobile phone bill — additional to our existing Airtime Rewards page, this covers their premium tiers and stacking tips.

Uber's UK refer-a-friend scheme gives both parties ride credit or a percentage off their next trips when a new user takes their first qualifying ride.

Uber Eats runs a UK refer-a-friend voucher scheme — a small discount for both parties when your invitee places their first qualifying order.

Gousto is a UK recipe-box service with an established refer-a-friend programme — new customers get a large first-box discount and the referrer receives box credit.

Too Good To Go is a UK anti-food-waste app selling unsold food at a discount, with a periodic refer-a-friend credit for both parties on your next Magic Bag.

Costa Coffee's UK loyalty app runs a periodic refer-a-friend Beans (points) bonus when your invitee joins and makes a first qualifying purchase.

Caffè Nero's UK loyalty app periodically runs a refer-a-friend free-drink bonus for both parties when a new member scans their first qualifying purchase.

Trip.com is a global online travel agency operating in the UK, with a refer-a-friend scheme paying Trip Points (usable against hotels and flights) to both parties.

Whatnot is a UK live-shopping and reselling platform popular for trading cards, sneakers and collectibles, with credit paid to both parties on the invitee's first buy.

Vinted is a UK-friendly second-hand marketplace with a refer-a-friend scheme paying credit into both accounts once the new user completes a qualifying purchase.

Sky's UK ‘Recommend a Friend’ programme pays existing customers a voucher when a friend takes out an eligible new Sky TV or broadband package.

MoneySuperMarket runs a periodic refer-a-friend bonus paying both parties an e-voucher when the new customer buys an eligible product (usually insurance or energy).

MSR (My Sales Rep / Shop Reward) is a UK app paying commission on friends' spending at partner retailers, with a percentage cut on their qualifying purchases.

Three UK runs a periodic Recommend a Friend voucher for both parties when a new customer takes out an eligible Three plan.

iD Mobile is Currys' UK MVNO on Three's network, running periodic refer-a-friend bill-credit for both parties when the new customer's line activates.

Lebara Mobile is a UK MVNO focused on international calling, with a refer-a-friend credit for both parties when a new customer activates their SIM.

Sprive is a UK app that helps homeowners overpay their mortgage automatically and compare remortgage deals, with a refer-a-friend cash bonus for both parties.

Tembo is a UK FCA-regulated mortgage and savings platform (Lifetime ISA, Cash ISA and mortgage advice) with a refer-a-friend reward for qualifying customers.

Fuse is a UK app-based savings and rewards product with a refer-a-friend cash bonus for both parties once the invitee funds their account.

Macadam is a UK app-based rewards platform paying coins/points that can be redeemed for gift cards or cash, with a refer-a-friend bonus for both parties.

Raise is a discounted-gift-card marketplace that runs a refer-a-friend voucher when the new user buys their first discounted gift card.

Avios is the British Airways / Iberia points programme with a periodic refer-a-friend points bonus for both parties when the new member earns their first qualifying Avios.

Attapoll is a UK-popular mobile survey app that pays small cash amounts per completed survey, with a small refer-a-friend bonus once the invitee earns their first qualifying reward.

Dabble is a UK social sports-betting app with a refer-a-friend free-bet for both parties when the new customer places a first qualifying wager.

Everup is a UK saving-and-play app where deposits earn interest and prize-draw entries, with a refer-a-friend cash bonus for both parties on the invitee's first deposit.

Banking

Chase UK

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Banking

Monzo

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Banking

Starling Bank

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Kroo

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Atom Bank

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Banking

Zopa

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Money Transfer

Wise

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Money Transfer

Revolut

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Money Transfer

Remitly

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WorldRemit

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Money Transfer

Xe Money Transfer

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Money Transfer

CurrencyFair

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Freebies

Trainline

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Freebies

Uber

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Freebies

Deliveroo

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Freebies

Just Eat

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Freebies

ClassPass

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Freebies

Getir

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Shopping

John Lewis

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Marks & Spencer

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ASOS

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Shopping

Amazon Prime

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Shopping

Boots

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Shopping

Next

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Utilities

Octopus Energy

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Utilities

OVO Energy

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Utilities

So Energy

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Utilities

E.ON Next

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Utilities

British Gas

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Utilities

EDF Energy

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Crypto

Coinbase

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Crypto

Kraken

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Crypto

Bitpanda

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Crypto

Uphold

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Crypto

Binance

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Broadband

BT Broadband

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Broadband

Sky Broadband

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Broadband

Virgin Media

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Broadband

Vodafone Broadband

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Broadband

NOW Broadband

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Broadband

Plusnet

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Broadband

Community Fibre

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Mobile Networks

EE

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Mobile Networks

O2

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Mobile Networks

Three

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Mobile Networks

Vodafone

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Mobile Networks

Smarty

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Mobile Networks

iD Mobile

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Mobile Networks

Lebara

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Mobile Networks

Giffgaff

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Credit Cards

American Express

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Credit Cards

Barclaycard

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Credit Cards

HSBC Credit Card

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Credit Cards

Virgin Money Credit Card

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Credit Cards

MBNA

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Credit Cards

NatWest Credit Card

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Savings

Chip

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Savings

Plum

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Savings

Moneybox

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Savings

Raisin UK

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Savings

Atom Bank Savings

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Savings

Zopa Savings

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Insurance

Aviva

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Insurance

Direct Line

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Insurance

LV=

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Insurance

Admiral

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Insurance

More Than

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Insurance

Compare the Market

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