Referral Bonuses

Refer a friend to Monzo and you both receive £5 once they use their card three times.

Chase UK runs a refer-a-friend scheme that rewards both accounts.

Curve is a single card that combines your other cards, with a referral bonus for both parties.

Refer friends to Revolut and earn a bonus once they complete qualifying card activity.

HyperJar offers a referral bonus when new users fund their account.

Zilch is a UK "pay in 4" app with a refer-a-friend cash reward.

Snoop is a free money-tracking app that periodically offers referral rewards.

Octopus Energy rewards both accounts with credit when a friend joins via your link.

Wise (formerly TransferWise) offers a referral bonus after your friend sends a qualifying transfer.

PayPal occasionally runs refer-a-friend cash bonus schemes for UK users.

Uphold is a multi-asset trading platform with a referral bonus for both parties.

Kroo is a UK app-based current account with interest on balances and a referral programme for existing customers.

Zing is a multi-currency money app from HSBC. Any referral incentives are shown in-app to existing customers — check the current programme before signing up.

Utility Warehouse is a UK multi-service provider (energy, broadband, mobile, insurance) with a partner/refer-a-friend programme.

Giffgaff is a UK SIM-only mobile network with a long-running refer-a-friend scheme where both parties receive a credit on qualifying activation.

SMARTY is a UK SIM-only mobile network on the Three network, with a referral programme that credits both existing and new customers.

VOXI is Vodafone's youth-oriented SIM-only mobile brand with a refer-a-friend programme for eligible new customers.

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.

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.

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.

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.