This post contains some affiliate links, marked by an *. These will still give you your referral credit!
Let’s get straight to it – you know what a refer a friend scheme or referral code is, 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 referral links to get you some cash, in this order:
- Banking, investing & money
- Sales & rentals
- Utilities & telecoms
- 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.
Banking Refer A Friend schemes
Nationwide – £100 for you, £100 for a friend
Big building society with good rates of interest on accounts. This is a great win-win offer, but it’s not as simple as clicking a link. If you want to be referred (we’re friends, right?), fill in the form below.
Please note that it can take a few days for me to get back to you as the link is generated by Nationwide and I’ve got to wait to receive it.
If you want to refer someone yourself, start with this form.
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.
Monese – £15 for you, £15 for a friend
Digital GBP and EUR current account with no credit check. Sign up for Monese using this link for the Apple store* or this link for Google Play store*, then you can refer your friends as well, and each get £15. I’ll add a referral link asap.
Monese also provides business accounts.*
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.
Transferwise – £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 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:
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.
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.
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!
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 (currently a jar of Nutella). When one of your friends uses your code, you’ll get a £3 credit towards cashback.
Ocado – £20 for you, £20 for your friend
Minimum spend of £80 applies and your friend has to order within 12 weeks – you get a £20 voucher.
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.
Fat Llama – £10 for you, £20 for your friend
Lend and borrow items you don’t want to sell or buy. You can earn up to £40 – £10 each time a friend buys, sells, borrows or lends on Fat Llama.
Utilities & telecoms Refer A Friend schemes
Bulb Energy – £50 for you, £50 for a friend
Gas and electricity from renewable sources at great rates.
You can read up more about Bulb Energy and 5 reasons why you should switch here.
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 £10 credit if they activate their SIM before August 31st, 2019.
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.
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.
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 – $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.
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.
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.
Paid emails and other offers.
Swagbucks – 300SB for you (+ 10% of your friend’s earnings), 300SB for your friend.
SB stands for Swagbucks, the points used on this site.
Maximiles – 500 points for you, 100 points for a friend
Get 500 points when your friend completes 3 surveys.
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.
Tesco Credit Card – £10 Tesco gift card/1000 clubcard points for you, £10 Tesco gift card/1000 clubcard points for a friend
Unfortunately this one has just been paused. The following products were eligible for referrals:
- Tesco Bank Credit Card
- Tesco Bank Car Insurance policy
- Tesco Bank Home Insurance combined buildings & contents policy
- Tesco Bank Pet Insurance Premier, Extra, or Standard Cover policy
When it comes back, I’ll let you know.
And now folks, I need a lie down. There are so many more I could add, and that I probably will add. Bear with me as I update this post as I go along!