The Best UK Refer A Friend Schemes & Referral Codes

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

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
  • 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.

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* and use the code provided to get £15. Then you can refer your friends as well, and each get £15.

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.

You can read my full review of Pockit here.

Click here for your referral.

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.

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:

https://www.youinvest.co.uk/our-services/special-offers/recommend-our-lifetime-isa

https://www.youinvest.co.uk/our-services/special-offers/recommendafriend

goHenry – £10 for you, £10 for a friend

Kids’ prepaid Mastercards that parents control. I don’t have a referral code at the moment, but this link* gives you a 2 month free trial – a £5.98 value. Once you have an account you can give £10 to a friend who opens an account, and earn £10 for your account.

Read all about goHenry 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.

Here’s my new referral link for you.

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!

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 (currently a jar of Nutella). When one of your friends uses your code, you’ll get a £3 credit towards cashback.

Code: s9pi6x

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.

Click here for your referral.

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.

Click here for your referral.

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.

Click here for your referral.

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 £10 credit if they activate their SIM before August 31st, 2019.

Click here for your referral.

Three – £25 for you, £25 for a friend

three.co.uk/refer-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.

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.

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.

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.

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.

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

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.

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.

Click here for your referral.

Temporarily unavailable

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!

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