Let’s get straight to it – you know what refer a friend schemes or referral codes are, and you want to either sign up for a new service and get a welcome freebie, or send a link to a friend and get a reward.
Or maybe you want to do both – clever! Here’s my list of referral codes and refer a friend scheme links to get you some cash, in this order:
- Banking, investing & money
- Shopping
- Sales & rentals
- Utilities & telecoms
- Holidays
- Marketing
- Get-Paid-To sites
This post doesn’t go into great detail about what these products/services offer, so if you’re not aware of what they are, read up on the individual websites or on my related posts where I’ve linked to them for more info.
This post contains some affiliate links, marked by an *. These will still give you your referral credit!
Banking Refer A Friend schemes
Chip – you and your friend get access to Chip+1 account to earn 1.25% bonus
Chip is an AI-powered savings app that lets you auto-save your cash and offers a market-beating 1.25% bonus on up to £10,000 or £2,000, depending on whether you choose the paid or free plan. You can refer one friend, but if you have more than one who wants access to Chip+1 you can point them to this link, which will work for more than one person.
Click here for your referral or click the picture below for a limited-time £10 bonus sign-up offer!
Plum – £15 for you when you invite 3 friends
Plum is an AI-powered personal finance assistant that rounds up your spare cash and sets it aside for you, and even compares your utility outgoings to see if you can claw back some of your hard earned money every month. Read more about it in this post.
Curve – £5 for you, £5 for a friend
A digital wallet and app to combine all your debit and credit cards – download the Curve app and use code G68DX to get £5 to spend on your Curve card.
I’m a regular user, and you can read my post all about Curve and 5 reasons you should get a Curve card.
FreeTrade – a free share for you, a free share for a friend
Fee-free stocks and shares trading. I have to say I really enjoy using this platform! It really does demystify the whole idea of investing, and I started with a tenner, so it’s one way to make investing tiny sums worthwhile.
Trading 212 Invest – a free share for you, a free share for a friend
Fee-free stocks and shares trading.
Here’s my referral link for you.
Trading 212 also offers CFD trading, which I urge you to stay well away from! See this post for more on why CFDs are not the same as investing in shares and why I avoid them. In fact, when you open the app for the first time, you’ll get a choice of practicing with a demo account full of cash – just steer clear of this. I almost didn’t include this referral because of the opportunity for the confused to stumble upon the CFD trading option, but I’m giving my readers the benefit of the doubt as to making wise decisions and using the free share investing option.
Emma – a free month of Emma Pro when you refer a friend.
Emma is a financial budget management app that helps you to get on top of your bank accounts and spending – you can find my review of it here.
When you refer a friend – this is my link – you get a free month of Emma Pro. When you make 9 referrals you get a year for free, and when you make 15 referrals, you get Emma free for life.
Wise – £50 for you when you invite 3 friends, a free transfer for a friend
Bank accounts in GBP and a wide range of foreign currencies. This referral scheme’s a bit fiddly as you have to invite three friends first. I use Wise (formerly Transferwise) for my USD account – it’s great for receiving and spending income from the blog, which often comes in dollars.
AJ Bell YouInvest – £50 for you, free book for a friend or £100 for you, free book for a friend
Stocks and shares investment accounts. A free guide is a bit underwhelming, but hey. This one only seems to serve the person doing the referring and the person referred has to do all the work! I have an ISA with AJ Bell YouInvest though, so if you fancy giving me some cash you can check it out here:
https://www.youinvest.co.uk/our-services/special-offers/recommend-our-lifetime-isa
https://www.youinvest.co.uk/our-services/special-offers/recommendafriend
Pockit – £5 for you, £5 for a friend
Prepaid Mastercard and current account with cashback from various retailers. I was an early adopter of Pockit back in 2014 when it launched as a prepaid card only, and it’s changed so much since then – now it’s a full current account.
You can read my full review of Pockit here.
Shopping Refer A Friend schemes
Quidco – £10 (or £15) for you, £10 for a friend
Cashback on almost any kind of purchase. Quidco’s referral program gives you £10 for referring a friend, but £15 if you’re a Quidco Premium member. Well worth joining either way! This is one we use every year for car and home insurance comparisons and it always delivers for us.
TopCashback – £5 (or £7.50) for you, occasionally £5 for a friend
Cashback on – again – almost anything. TopCashback’s referral program gives you £5 for referring a friend, or £7.50 if you’re a Plus member.
There are often bonus promotions that offer you higher rates and include an incentive for your friend as well.
Shopmium – £3 for you, a free product for a friend
Shopmium is my new favourite cashback app – you have to use a code after you download it to get your free product. When one of your friends uses your code, you’ll get a £3 credit towards cashback.
Shopmium is the one that we use consistently and it hasn’t let me down once in terms of savings and even free food.
Code: s9pi6x
Sales & rental services Refer A Friend schemes
Etsy – 40 free listings for you, 40 free listings for your friend
Sell handmade crafts, jewellery and art, or supplies for making these types of things. Etsy is currently pumping money into their advertising so it’s really going up in terms of market share.
Paperchase – 15% off for you, 15% off for your friend
Give and get a 15% discount on some of the most stylish and adorable stationery out there. Can you tell I love Paperchase?
Utilities & telecoms Refer A Friend schemes
Sky – £75 for you, £75 for a friend
https://secure.sky.com/introduce-a-friend
Virgin Media – £75 for you, £75 for a friend
https://keepup.virginmedia.com/referafriend
giffgaff – £5 for you, £10 for a friend
Cheap mobile SIM-only packages and more. Your friend gets £5 credit.
Three – £25 for you, £25 for a friend
O2 – £25 for you, £25 for a friend
www.o2.co.uk/shop/tell-a-friend
Holidays & travel Refer A Friend schemes
AirBnB – £12 for you when you invite a friend to become a host, or £23 for you, £34 for a friend who completes a stay
Earn money from guests renting your property, or save money by renting a property instead of a hotel.
Click here for your host referral.
Click here for your guest referral.
Booking.com – £100 for you when your friend rents their property
As above, earn money from guests renting your property, or save money by renting an affordable property. Not a lot of incentive for your friend besides – well – actually making money through their property, which is useful.
Marketing Refer A Friend schemes
Tailwind – $15 for you, $15 for a friend
The best Pinterest scheduler out there… it also schedules Instagram, but I love it for Pinterest. The credit gives you and a friend a month of Tailwind Plus for free.
Moo – £15 for you, 25% off for a friend
Posh business cards, postcards etc. Moo gives you a £15 gift card. You can also get £200 for referring a business with 10+ employees.
Podcast.co – $15 for you, 10% off for a friend
I host my podcast with Podcast.co, and so far it’s brilliant! I can highly recommend them when you’re ready to make the step from written content to audio content.
AppSumo refer a friend – $10 for you
Get cheap stuff like apps, software packages and stock photos through this middleman. You get $10 in credits for every first purchase from a friend.
RawPixel – a free month of premium for you, a free month of premium for a friend
Very nice stock photography, great for bloggers or social media. RawPixel has a number of plans, but you can give a friend a month of their premium plan and get a month in return.
UK Postbox – 50% of commission for you, 50% of commission for a friend
Virtual mailboxes so you don’t have to reveal your home address online. You can get 10% commission on anyone you refer to a paid plan with UK Postbox, but you can adjust the commission split to go from keeping 100% of it yourself down to splitting it 50/50.
Get-Paid-To sites Refer A Friend schemes
Oh My Dosh – £5 for you, £2 for your friend
Hot pink GPT fare.
Click here to get your referral.
InboxPounds refer a friend
Paid emails and other offers.
Click here to get your referral.
Swagbucks – 300SB for you (+ 10% of your friend’s earnings), 300SB for your friend.
SB stands for Swagbucks, the points used on this site.
Click here to get your referral.
Maximiles – 500 points for you, 100 points for a friend
Get 500 points when your friend completes 3 surveys.
PickMyPostcode
A free, non-gambling daily draw site funded by advertising. Referrals add up to 20p to your “bonus”, which is added to the amount you could win in a draw.
And now folks, I need a lie down. There are so many more refer a friend schemes that I could add, and that I probably will add. Bear with me as I update this post as I go along!
12 Comments
Wow, this is quite a list! I have used the Ocado referral scheme and it has been pretty good for me. Another one to add that has helped me if I may is Referral Codes as you can find plenty of my coupons there.
would you want to share the ocado referral code please?
Hi,
it seems as though the Ocado offer was quietly pulled at the start of the pandemic and wasn’t replaced, sorry. If anyone can find an active link for it they’re welcome to share it here.
Zeux are a new banking app and they are offering a £40 refer a friend both to you and your friend.
If you haven’t signed up, you can use my Referral code: 7BB89M
You can find the App on Google Play or the App Store.
Here is a link :https://app.zeux.com/v9t41LpVF2
The referral offer places the £40 in a savings pot with 5% compounded interest that’s paid daily in to your pot.
Rated 4 stars out of 5 on trust pilot. Check it out!
Hello,
Could i please add these to your list ?
Save and invest with Oval! Insert CODE: FOMVRPV9U and get £5 💥 Just deposit £1 it’s what i did !
#BeMoneyWise https://m.onelink.me/b2d2a73d
💥Ratesetter £20 Bonus offer when you Deposit £10💥
This offer is for new Ratesetter members only.
Just use this link http://link.ratesetter.com/36ELN10 😀
You must deposit £10 into an Isa or Everyday account,
(i did everyday account) the £20 bonus will be credited to your account within 30 days.
The bonus can be withdrawn straight away, however I would wait a few weeks so that your account is not blocked. You can earn £20 each new referral 🤑
Tickr is a great way to save a little money & make some at the same time… You get £5 bonus for signing up, then £5 for each referral. Plus they will plant a tree for both of us so we are helping the environment aswell 🌳
You have to keep your money in the account for 3 months. So deposit £5 and keep your bonus in for 3 months then withdraw all your money. Choose BASIC as there is low risk ! Just download the app & use my referral code so you can get your free bonus money 🤑
💥Referral code… fionao6268💥
Hello,
Can be added to the list a referall for Laka bike insurance so that both person gets 25£ off:
https://my.laka.co/?r=CjZLJ
Hey all,
Here’a another one for your list!
€10 off your first investment with Solar Investment Platform TRINE
Receive €10 off your first investment with TRINE use the code below.
https://trine.com/just-invested/65452
Nutmeg, invest with management fees for 6 months by starting with £500 when opening a Stocks and Shares ISA, General Investment Account or Pension.
Can Octopus Energy be added
Referral code for £100 when you join
share.octopus.energy/nice-sage-47
In order to offer this reward, it has to be commercially viable for Octopus energy. That’s why it’s only available when you use the link above and sign up directly through their website. Any sign-up through third party will NOT qualify for the £100 credit.
Check the tariffs and sign up – you have nothing to loose and £100 to gain.
I love this article – I am a sucker for a good bargain or discount code, and will check at least a dozen sites before making most of my purchases to see if I can grab a good discount code or find it cheaper elsewhere. Its great to have it all in one place; the only issue I usually have is finding a friend who is happy to make the switch/ purchase at the same time as me! I have found a few Facebook groups where strangers help each other out in situations like these, so you still gain your cashback/ referral bonus/ savings!
Referral link below – 20 cogs is an online cash incentive survey site, I feel it’s one of the better ones.
Please be aware that you will unlikely be able to withdraw your earned funds immediately, this is because you need to complete all 20 cogs to activate the collect “Earnings Button”
Each cog is worth anywhere between ‘£1/2.00 – £30.00 this said after £20 you’re very likely to have around £200 call this £220 if you follow my link to sign up!I
Many tasks require sign up to free trials, using a designated new email address will allow you to sign up to things you’ve already used, allowing you to get paid for such services you’re Already using opposed to having to sign up to something not of interest as your email is aired associated to some offers.
https://20cogs.co.uk/validate/refer_a_friend/welcome/1628070?keyword=referred
Basically sign up with my link, sign up with a new email address to maximise your eligibility, complete tasks offering opportunities to earn more cash elsewhere. ( I got paid over £100 from 20cogs, made cash through various other similar sites introduced to by 20 cogs and most satisfactory I earned £100s(aboabpit £480) from signing up to gambling sites with free spins/bets/credit no deposit needed offers.
Good luck!
I hope you get something nice!
Join Twig an app where you can instantly sell clothes for cash.
They send you a free debit card & you get £4 per referral when you join.
I’ve not sold any clothes but as a referral it’s been a great way to get some free cash which you can then withdraw or use the debit card to pay for things online.
Use my code Staceylw85 or follow the link below…..
https://twigapp.app.link/get?code=Staceylw85