The Best UK Refer A Friend Schemes & Referral Codes

The best UK referral codes and refer-a-friend programs

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

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.

Here’s my referral link.

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.

Click here for your referral.

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:

11 creative gifts for crafters - click here to read

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.

Click here for your referral.

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.

Click here for your referral.

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.

Click here for your referral.

Utilities & telecoms Refer A Friend schemes

Sky – £75 for you, £75 for a friend

Virgin Media – £75 for you, £75 for a friend

giffgaff – £5 for you, £10 for a friend

Cheap mobile SIM-only packages and more. Your friend gets £5 credit.

Click here for your referral.

Three – £25 for you, £25 for a friend

O2 – £25 for you, £25 for 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. – £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.

Click here for your referral.

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.

Click here for your referral.

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.

Click here for your referral. – $15 for you, 10% off for a friend

I host my podcast with, 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.

Click here for your referral.

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.

Click here for your referral.

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.

Click here for your referral.

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.

Click here for your referral.

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.

There’s another 100SB available for referring a friend to use the “SwagButton” on their desktop/laptop.

Maximiles – 500 points for you, 100 points for a friend

Get 500 points when your friend completes 3 surveys.

Click here for your referral.


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.

Click here for your referral.

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!

The best UK referral codes and refer a friend schemes

Like this? Read these:


  1. 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.

      1. 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.

  2. 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 :

    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!

  3. 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 !

    ?Ratesetter £20 Bonus offer when you Deposit £10?
    This offer is for new Ratesetter members only.
    Just use this link ?
    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?

  4. Nutmeg, invest with management fees for 6 months by starting with £500 when opening a Stocks and Shares ISA, General Investment Account or Pension.

  5. Can Octopus Energy be added

    Referral code for £100 when you join

    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.

  6. 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!

  7. 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.

    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!

  8. 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…..

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