Refer-a-friend schemes are one of the easiest ways to make extra money from home, often with very little effort. If you already use popular apps, banks, cashback sites, or money-saving tools, there’s a good chance you’re sitting on referral links that can earn you real cash.

Many UK referral schemes pay you when someone signs up using your link and completes a simple action. Sometimes you both get a reward. Other times, only the referrer gets paid. Either way, it’s money you can earn by sharing services you already trust with friends, family, or even colleagues.

In this guide, I’ve listed dozens of the best refer-a-friend schemes in the UK that actually pay. Some offer instant cash, others give free shares, cryptocurrency, vouchers, or ongoing rewards every time you refer someone new. Where possible, I’ve included realistic earning potential and explained exactly what needs to happen for the referral bonus to be paid.

These referral schemes are regularly updated and based on offers I’ve personally used or tracked over time. Referral terms can change, so it’s always worth checking the conditions before sharing your link, but this list gives you a solid starting point if you want to turn referrals into a genuine side income.

If you’re looking for practical ways to earn extra money online without committing to a full side hustle, refer-a-friend schemes are one of the simplest places to start.

Table of Contents: Best Referral Programs UK

Make money from these refer-a-friend schemes << Click the link to jump to the start of the offers! Or here's a sneak peek of the refer-a-friend scheme details you'll find in this section:

• Admiral
• Airbnb
• Airtime Rewards
• BeMyEye
• Budgey
• Cheddar
• EverUp
• JamDoughnut
• K-Card
• Lebara
• Monzo
• Octopus
• Outplayed
• Pawns
• Pi
• Qmee
• Quidco
• Respondent
• Riverford
• Shopmium
• Snoop
• Sprive
• Swagbucks
• Tembo
• Tide
• TopCashback
• Trading 212
• Virgin
• Wealthyhood
• YouGov
• Zilch

Earn discounts or credit from these referral schemes << Click to jump to the start of the offers! Or here's a sneak peek of the refer-a-friend scheme details you'll find in this section:

• Costa
• FFS Beauty
• Pizza Express
• Ripple+
• Uber Eats

How to get even more free cash

 

Make money from these refer-a-friend schemes in the UK

Let’s start with the best refer-a-friend schemes in the UK that actually pay. Some offer real cash, while others reward you with free cryptocurrency, free shares, or gift vouchers when your friends sign up and take part.

Below, you’ll find practical, proven ways to refer and earn with apps and websites that reward you for sharing deals you already use.

Admiral - up to £75 per referral

Admiral runs a generous refer-a-friend scheme across several insurance products, including car, home, van, pet, landlord, and travel insurance.

When you refer a friend to Admiral:

• You can earn up to £75 cash per successful referral

• The exact reward depends on the type of policy your friend takes out

• There’s no cap on how many friends you can refer

To qualify, your friend must use your referral link and take out a new policy directly with Admiral, not via a comparison site. Once their policy has been active for the qualifying period, the referral reward is paid.

Why Admiral works well for referrals:

• Insurance is something most people already need

• Rewards are higher than many app-based referrals

• No ongoing effort after sharing your link

If you’re already an Admiral customer, you’ll find your personal refer-a-friend link in your account. If not, you can start with Admiral using my referral link when you need some insurance, then share your own link to earn cash when friends take out a policy.

Referral rewards and qualifying periods can change, so always check the latest terms in your Admiral account before sharing your link.

Airbnb - £61 cash for referring a host

Airbnb offers a referral reward for new hosts, not guests.

If you know someone who owns a spare room, holiday let, or second property, this can be an easy way to earn cash by referring them to Airbnb.

When you refer someone who goes on to become a host, you’ll earn £61 cash once their first guest completes a stay.

There’s no limit to how many hosts you can refer, so this can add up if you know several people considering hosting.

How it works:

• Share your Airbnb host referral link

• Your friend signs up and lists their property

• Once their first booking is completed, you receive the referral reward

If you recommend a host to Airbnb, then you can earn a refer-a-friend bonus of £61 cash once their first reservation checks out!  

Become an Airbnb host yourself by clicking my referral link here

Airtime Rewards - £5 per successful referral

Airtime Rewards is a passive cashback app that pays you automatically when you spend at partnered retailers. Once your cards are linked, there’s nothing else to do.

From a referral point of view, this one is very easy to recommend.

When you refer a friend:

• You earn £5 for each successful referral

• Your friend gets a £2 welcome bonus

For a referral to count as successful, your friend must:

• Spend £5 or more at a partnered retailer

• Do this within 7 days of signing up

Once that qualifying spend tracks, the referral reward is added to your Airtime Rewards balance.

Why this referral scheme works well:

• It’s a free app

• Cashback tracks automatically after setup

• Most people already shop at supported retailers

If you’re not already a member, use referral code FTT7WY7W when signing up for Airtime Rewards. You’ll receive the £2 welcome bonus if you meet the qualifying spend.

Referral rewards and conditions can change, so it’s always worth checking the app for the latest terms.

Airtime Rewards Referral Code: FTT7WY7W

BeMyEye - £1 cash per referral

There are lots of apps with referral bonus offers in the UK, such as BeMyEye.

BeMyEye is a mystery shopping app that pays you for completing simple tasks in shops, such as taking photos or checking prices. It also has a straightforward refer-a-friend scheme that lets you earn extra cash.

When you refer a friend to BeMyEye:

• You get £1 once your friend completes their first paid mission

• Your friend also gets £1 after completing their first mission

The bonus is added to your BeMyEye balance and can be withdrawn once you reach the minimum cashout threshold (£5 at the time of writing).

Why BeMyEye is easy to refer:

• Free to join

• Tasks are simple and clearly explained

• Missions are available in many UK towns and cities

If you’re not already a member, sign up first so you can unlock your own referral link inside the app. Get started using invitation code 0rg1zy, which gives you a £1 bonus once your first mission is completed.

Referral rewards and mission availability can vary by location, so it’s always worth checking the app for current tasks and terms.

Sign up to BeMyEye here

BeMyEye Invitation Code: 0rg1zy

 

Budgey - £3 per referral

Budgey is a UK cashback website (formerly Widilo) that gives cashback and discount codes when you shop online through their links.

Once you’re a member, you can earn extra cash by referring friends to Budgey.

How the Budgey refer-a-friend scheme works:

• You earn £3 for each friend who signs up and successfully earns cashback
• Your friend gets a £5 welcome bonus
• Cashback must track and become payable for the referral reward to be confirmed

This one works best if your friend already shops online and is likely to use Budgey for cashback fairly quickly, as the referral reward only triggers once cashback is earned.

If you’re not already a member, you can join Budgey using my referral link here.

Cheddar - £5 per successful referral

Cheddar is a cashback app that now focuses mainly on earning cashback through gift cards for everyday brands, rather than passive card-linked spending like it used to.

You earn cashback by buying gift cards for supermarkets, food, travel, and high-street brands, then using those gift cards as normal. Cashback is usually added quickly, and once you reach the minimum threshold, you can withdraw it to your bank.

How the Cheddar refer-a-friend scheme works:

• You earn £5 for each friend you successfully refer
• Your friend also earns £5
• To qualify, your referred friend must earn at least £5 cashback within 30 days of signing up
• Cashback comes from buying gift cards in the app

This makes Cheddar quite easy to refer people to, as most people already shop at the brands available and can simply switch to buying gift cards for things they were going to buy anyway.

If you’re not already a member, you can sign up using my Cheddar referral code PTXKBZZ to get started.

Referral rewards and qualifying criteria can change, so always check the app for the latest terms once signed up.

Sign up for Cheddar by clicking here!

Cheddar Referral Code: PTXKBZZ

EverUp - £5 and bonuses

EverUp is a free cashback and rewards app where you earn virtual coins and real cash prizes by using gift card cashback, spins, raffles, and prize draws. It’s completely free to join, and there’s no need to deposit any of your own money.

The refer-a-friend scheme is where EverUp becomes much more powerful.

When you refer a friend to EverUp:

• Your invited friend receives 10 million coins the first time they redeem £10 or more in cashback from buying gift cards
• You unlock referral tiers as you refer more people
• Higher tiers unlock £5 cash per referral, plus bonus coins and extra perks

EverUp referral levels explained:

Bronze: entry-level referral rewards
Silver: unlock £5 cash per referral, plus bonus coins
Gold: £5 cash per referral, higher rewards, more bonus coins, and extra benefits
Platinum: maximum referral rewards, including £5 per referral and additional bonuses

The more friends you successfully refer, the higher your tier and the better your rewards.

Why EverUp is easy to refer:

• It’s free to join
• Cashback comes from gift cards people already buy anyway
• Referral rewards increase over time instead of being capped

If you’re not already a member, you can sign up to EverUp using my referral code RVIC312154ATMWQZ and start building your referral rewards.

Referral terms, tiers, and bonuses can change, so always check the app for the latest conditions.

Sign up to EverUp here

EverUp Promo Code: RVIC312154ATMWQZ

JamDoughnut - £5 per successful referral

JamDoughnut is a cashback app that lets you earn money when you buy gift cards for supermarkets, high street shops, restaurants, and other everyday brands. You then spend those gift cards as normal, but keep the cashback.

The refer-a-friend scheme is where the real earning potential comes in. 

When you refer a friend to JamDoughnut:

• You earn £5 worth of points for each successful referral

• Your friend receives a small welcome bonus when they sign up and make their first qualifying gift card purchase (this is usually around £3, but can change)

• Referral rewards are added as points and can be cashed out once you reach the £10 minimum cashout

What counts as a successful referral: 

• Your friend must sign up using your referral code

• They must make their first gift card purchase

• Once that purchase tracks, the referral reward is applied 

Why JamDoughnut is easy to refer: 

• It’s free to join

• Friends can use it for supermarket shopping they’re already doing

• Cashback is instant on many gift cards

• Referral rewards stack nicely over time 

If you’re not already a member, you can join JamDoughnut from the App Store or Google Play using my referral code 2XYM, then share your own referral link from the app to start earning £5 per referral. 

Referral bonuses and thresholds can change, so always check the app for the latest terms.

Lebara - up to £50 per referral

Lebara runs a generous refer-a-friend scheme that lets you earn cash when you recommend their SIM-only plans to friends and family.

Lebara is popular for low-cost SIM deals, flexible contracts, and good international call allowances, which makes it an easier sell than many networks.

When you refer a friend to Lebara:

• You can earn up to £50 per successful referral

• Your friend must join using your referral link

• They need to activate a qualifying SIM-only plan

• The reward is paid once the plan is active and meets the terms

The exact reward amount can vary depending on:

• The plan your friend chooses

• Whether Lebara is running a promotional referral campaign at the time

Why Lebara works well for referrals:

• SIM-only plans are low-commitment

• No long contracts required

• Many people are already looking to switch mobile providers

• Referral rewards are paid as real cash, not points

If you’re not already a Lebara customer, you can join using my Lebara link first for an exclusive SIM-only deal. Once signed up, you’ll find your own refer-a-friend link in your account, which you can then share to start earning.

As with most mobile referrals, referral rewards and qualifying plans can change, so it’s worth checking the latest terms in your Lebara account before sharing your link.

Or sign up for the refer-a-friend scheme to start earning!

Monzo - £10, £20 or £50 free cash

Monzo is a popular UK digital bank, and when referral offers are running, it can be a strong earner if you have friends or family who are happy to switch or open a new account.

The referral reward varies by campaign, but it’s commonly up to £50 per successful referral.

When you refer a friend:

• You can earn up to £50 for each successful referral

• Your friend must open a Monzo account using your referral link

• They need to make at least one card payment (there’s usually no minimum spend)

• Once the qualifying spend is tracked, the reward is paid into your Monzo account

What your friend gets:

• A welcome bonus, usually £10, £20 or £50

• The exact amount depends on the referral campaign running at the time

Why Monzo works well for referrals:

• It’s a free account with no monthly fees

• The sign-up process is quick and app-based

• Many people are already curious about Monzo, so it’s an easy recommendation

Referral offers change regularly and sometimes disappear altogether, so it’s best to check the Monzo app to see whether a refer-a-friend campaign is currently active before promoting it.

If you’re already a Monzo user, you’ll find your referral link inside the app when an offer is live. If not, simply sign up to Monzo using my referral link and get up to £50 free cash when you spend on your Monzo debit card.

Find full instructions in my Monzo free money blog post if you want a step-by-step guide.

Sign up to Monzo using my referral link 

Octopus - £50 per referral

Octopus Energy is one of the highest-paying and easiest refer-a-friend schemes in the UK, especially if you know people who are already thinking about switching energy suppliers.

When you refer a friend:

• You get £50 credit added to your Octopus account

• The reward is applied once your friend switches and their supply goes live

What your friend gets:

• £50 energy bill credit

• Access to Octopus’s flexible tariffs and app-based account management

Why Octopus is great for referrals:

• Energy is a necessary bill, so switching feels worthwhile

• The reward is generous compared to most referral schemes

• The credit can be used directly against energy bills

• There’s no limit to how many friends you can refer

The referral credit is added automatically after the switch completes, which can take a few weeks depending on the meter setup and supplier handover.

Referral terms can change, but Octopus has consistently offered this scheme for years, making it one of the more reliable long-term referral earners.

If you’re already an Octopus customer, your personal referral link can be found in your Octopus online account or app.

If you’re not already a customer, use my Octopus referral link to switch and get £50 credit added to your account once your supply goes live.

Outplayed - £30 per referral

Outplayed (formerly Profit Accumulator) is a UK matched betting service that helps people make money from bookmaker offers using structured tools and guidance.

It also has a lucrative refer-a-friend scheme if your friends join as full-paying members.

When you refer a friend to Outplayed:

• You earn £30 once your friend becomes a fully paid-up member and stays active for at least 31 days

• The reward only triggers once your friend completes their first full-priced subscription payment (even if they started on a trial or discounted offer)

• You must refer them using your unique referral link for the reward to count

This makes Outplayed one of the stronger referral offers for anyone already using the service - you get a solid cash reward for introducing new paying members, and your friends benefit too.

If you’re not already a member, use my Outplayed referral link to sign up, then share your own link in the app to start earning for every friend who joins as a paid member.

Referral terms and thresholds can change, so check the referral section in your Outplayed account for the latest details.

Check my matched betting blog to learn what matched betting is explained simply.  Try it yourself, then refer a friend for money, and so they can make some extra cash too!

Pawns - up to $3 per referral 

Pawns.app lets people make money online by sharing unused internet bandwidth and completing surveys. Once you’re signed up, you can earn extra cash by referring friends to the platform.

When you refer a friend to Pawns.app:

• You can earn up to $3 per successful referral

• Your friend gets a sign-up bonus when they join using a referral link

• Rewards are added once your referral meets the qualifying conditions

Why Pawns.app is easy to refer:

• It’s free to join

• It works in the background with minimal effort

• Friends can use it on mobile or desktop

• Payout options include PayPal, Bitcoin and gift cards

Pawns.app is best suited to people who are happy installing an app and letting it run passively, rather than doing tasks every day. That makes it an easier referral than apps that require regular activity.

If you’re not already a member, you can sign up using my Pawns.app referral link to unlock the sign-up bonus and then access your own referral link inside the app.

Referral bonuses and thresholds can change, so always check the app for the latest terms before sharing your link.

Get up to $3 for free if you sign up to Pawns.app using my exclusive link 

 

Pi - mine more crypto for referring friends

Pi Network lets you mine Pi (π) cryptocurrency from your mobile phone for free. One of the main benefits of referring friends is that it can increase your mining rate when people you invite join and stay active.

When you refer a friend to Pi:

• Your friend must join using an invitation link and code

• Your mining rate can increase when invited users are active

• Building a larger network can strengthen your setup inside the app

Mining runs in cycles, and opening the app regularly helps you stay active and maintain your mining rate, without needing constant use.

If you’re not already a member, you can join Pi using my invitation link and code:

Sign up to Pi by clicking here

Pi Invitation code: lyliarose

Qmee - 50p to £1 per referral

Qmee is a simple get-paid-to app where people can earn small amounts of cash from surveys, searches, and cashback. It’s popular because there’s no minimum cashout, and users can withdraw even a few pence to PayPal.

When you refer a friend to Qmee:

• You earn either £1 for yourself, or

• You can choose to split the reward, giving you 50p and your friend 50p

Your friend must cash out for the first time for the referral reward to trigger.

Why Qmee is easy to refer:

• It’s free to join

• There’s no minimum withdrawal amount

• Cashouts go straight to PayPal

• People can earn and withdraw very quickly

If you’re not already a member, you can join Qmee using my referral link by clicking here.

Quidco - £25 per referral

Quidco is one of the UK’s most popular cashback sites, letting users earn money back on online shopping, insurance, travel, and more.

When you refer a friend to Quidco:

• You earn £25

• Your friend earns £20

• Your friend must earn £5 in confirmed cashback for both rewards to be paid

Once that £5 cashback is confirmed, both bonuses are added to your Quidco accounts.

Why Quidco works well for referrals:

• Most people already shop online

• Cashback can build up quickly

• Referral bonuses are paid as real cash

If you’re not already a Quidco member, use my referral link to join. After signing up, you’ll get your own referral link to share and start earning.

Referral amounts and conditions change regularly at Quidco, so always check your account for the latest refer-a-friend details.

Respondent - up to $50 per referral

Respondent is a research platform where people get paid to take part in interviews, studies, and focus groups. It’s free to join, and some studies pay very well compared to standard survey sites.

Respondent has two different referral types, each with its own reward.

Network referrals

• Earn $20 when you refer a new Respondent user

• Your referral must earn $75 in total incentives on the platform

• Once they reach that threshold, your referral reward is paid

Project referrals

• Earn $50 when you refer someone directly to a specific project

• Your referral must complete that project

• They must earn $100 in total incentives

• Once completed, you receive the $50 referral reward

Why Respondent is good for referrals:

• Studies often pay well

• One successful referral can earn more than many cashback referrals

• Ideal for friends who work in professional roles or have specialist experience

If you’re not already a member, you can sign up using my Respondent referral link. Once signed up, you’ll be able to refer others either generally through network referrals or directly to individual projects.

Referral rewards and thresholds can change, so always check Respondent’s referral terms inside your account.

Sign up to Respondent by clicking here

Riverford - £15 credit per referral

Riverford’s refer-a-friend scheme rewards both sides with free food once a qualifying delivery is completed.

When you refer a friend to Riverford:

• Your friend gets £15 off their second veg box

• You get £15 credit, which is essentially £15 of free food, once your friend’s second box has been delivered

• The credit is added automatically to your Riverford account

Why Riverford is easy to refer:

• Most households already buy fruit and veg regularly

• The reward works as real food savings, not points or vouchers

• No extra effort beyond a normal grocery order

If you’re not already a Riverford customer, you can use my Riverford referral link to sign up. Once your first order has been delivered, you’ll receive your own referral link to share.

Sign up to Riverford here for £15 off your 2nd order

Shopmium - £1 per referral

For every friend you refer to Shopmium, you will get £1 added to your balance once they make their first cashback request. You can cash out at £10.

Your referred friend will get a £1 welcome bonus too.

Simply download the Shopmium app by clicking here and enter my referral code 46e3t to get started. Then you'll find your refer a friend code and link in the profile section of the app.

Snoop - £5 Amazon voucher per referral

Snoop is a free money management app that runs a refer-a-friend scheme using Amazon vouchers.

When you refer a friend to Snoop:

• You earn a £5 Amazon voucher for each successful referral

• Your referral rewards are capped at 5 referrals, so £25 maximum for you

• Your friend can still receive their £5 Amazon voucher, even after you’ve hit the cap

What counts as a successful referral:

• Your friend signs up using your referral link

• They connect at least one bank account

• They remain signed up with a connected account for 28 days

Why Snoop is easy to refer:

• It’s free to use

• The setup is quick

• Amazon vouchers are easy for most people to spend

If you’re not already a Snoop user, you can sign up using my Snoop referral link to get your own £5 Amazon voucher when the offer is running. Once you’re signed up, you’ll find your personal referral link inside the app.

Referral rewards, caps, and terms can change, so always check the app for the latest details before sharing your link.

Here's my Snoop refer a friend link.

 

Sprive - £5 free cash mortgage overpayment per referral

Sprive is a free UK mortgage app that helps you make small overpayments and earn cashback on gift cards, all aimed at paying off your mortgage faster.

Sprive has just updated its refer-a-friend scheme in January 2026.

When you refer a friend to Sprive:

• You get £5 added as a mortgage overpayment for every successful referral

• Your friend gets free access to Sprive Plus

• You also unlock boosted cashback rates for 7 days per referral

What counts as a successful referral:

• Your friend signs up using your referral link

• They complete the basic setup in the app (including linking their UK mortgage account)

Why Sprive is a good one to refer:

• It’s completely free to use

• The £5 reward is real money used to reduce your mortgage balance

• Boosted cashback means you can earn even more during the 7-day bonus period

• Sprive Plus gives your friend extra features, making it an easier sell

If you’re not already a Sprive user, sign up using my referral link code 3OVDPUBK to get Sprive Plus, then you can start referring friends straight away with your own referral link in the app.

Referral rewards and Sprive Plus access can change, so always check the app for the latest terms before sharing your link.

Click here to download Sprive today!

Sprive Promo Code: 3OVDPUBK

Swagbucks - 300 SB bonus + 10% lifetime earnings per referral

Swagbucks is a popular get-paid-to site where you earn points (called SB) for surveys, shopping, searches, games, and offers. The refer-a-friend scheme is one of the better long-term ones because it keeps paying.

When you refer a friend to Swagbucks:

• You both get 300 SB once your friend earns 300 SB within their first 30 days

• You also earn 10% of your friend’s SB earnings for the lifetime of their account

• Your friend keeps 100% of what they earn, the 10% bonus is extra for you

SB points can be redeemed for PayPal cash or gift cards once the minimum cash-out is reached.

Why Swagbucks works well for referrals:

• Free to join

• Lots of different earning options, so it suits most people

• Lifetime referral bonus, not a one-off reward

If you’re not already a member, sign up to Swagbucks using my referral link to unlock the 300 SB bonus. Once signed up, you’ll get your own referral link to start earning from your friends’ activity too.

There are LOADS of ways to make money online using Swagbucks: playing games, watching videos, surveys, surfing the web and more.

Get a 300 SB Bonus if you earn 300 SB within the first 30 days by clicking here to sign up!

   

Tembo - Random referral bonus between £10 and £100

Tembo is a UK savings platform offering Cash ISAs and Lifetime ISAs, with a generous refer-a-friend scheme that rewards both sides with a random cash bonus between £10 and £100 when the conditions are met.

When you refer a friend to Tembo:

• You and your friend each receive a random bonus between £10 and £100

• Your friend must open a Tembo Cash ISA or Lifetime ISA

• They must fund the account with at least £500 within 30 days

• The bonus is paid into the ISA as extra interest, outside the ISA allowance

Important limits to know:

• You can refer more than five people, but you will only be paid for up to five successful referrals per calendar month

• Any further referrals in the same month will still earn the bonus for your friend, but not for you

How the reward is paid:

• Once your friend’s qualifying deposit clears and any cooling-off period ends

• The bonus is added directly to both ISAs

• The money then continues earning interest as normal

Why Tembo is a strong referral option:

• Both sides get a real cash reward

• The bonus doesn’t use up ISA allowance

• You can keep referring people each month, even if your own rewards are capped

Referral rewards and limits can change, so it’s always worth checking the latest terms in the Tembo app before sharing your link.

➡️ Sign up to Tembo using this link to get £10–£100 free

Tide - £100 per referral

Tide is a UK business bank account designed for sole traders, freelancers, and limited companies. It has one of the highest-paying refer-a-friend schemes available for business banking.

When you refer a friend to Tide:

• You earn £100 for each successful referral

• Your friend must open a Tide business account

• They need to spend £500 using their Tide card within the first three months (91 days)

• Once the qualifying spend is confirmed, the £100 reward is paid

Key things to know:

• Tide accounts are free on the standard plan

• There are small transaction fees on the free plan (for example, per transfer and cash withdrawals)

• The referral reward can take 6–8 weeks to be validated and paid

• You can find and share your referral link inside the Tide app under the referrals section

Why Tide works well for referrals:

• High cash reward compared to personal bank referrals

• Many people are self-employed or running side businesses

• Business expenses often make the £500 spend requirement easy to reach

Referral rewards and eligibility criteria can change, so it’s always best to check the latest terms in your Tide account before sharing your referral link.

Own a business and want to take part yourself first?

Click here to sign up for Tide and enter promo code K754KJ during signup.

Tide Promo Code: K754KJ

TopCashback - £20 per referral

TopCashback is one of the easiest refer-a-friend schemes to earn ongoing cash from, because most people already shop online and don’t need to change their habits.

When you refer a friend to TopCashback:

• You get £20 once your friend earns £10 in confirmed cashback

• Your friend gets a £10 welcome bonus

• Your friend must earn £10 cashback within 1,095 days of joining using your referral link

Once your friend’s cashback becomes payable, both bonuses are added to your TopCashback accounts.

Why TopCashback is easy to refer:

• It’s free to join

• Cashback applies to things people already buy, shopping, insurance, travel and utilities

If you’re not already a member, you can join TopCashback using my referral link and start earning cashback straight away. Once signed up, you’ll find your own refer-a-friend link inside your account to share.

The tell-a-friend bonus on TopCashback is always changing, anything from £5 to £25.  Check your account to see the latest tell-a-friend offer.

Sign up to TopCashback here!

Trading 212 - free share worth up to £100 per referral (when active)

Limited time periods each month! The most recent free share campaign will be active for the following period: 11/11/2025 - 03/12/2025

If the offer is running, then my refer-a-friend link will take you to the offer page on a desktop, if not, it takes you to the homepage:

Trading 212 Referral Link: www.trading212.com/invite/GIEcwTxd

Trading 212 runs a refer-a-friend scheme at selected times throughout the year.  When you refer a friend during an active campaign:

• You receive a free share worth up to £100

• Your friend also receives a free share worth up to £100

• Your friend must open a Trading 212 Invest account

• They usually need to deposit a small amount (often £1)

• The free share is credited once the account is approved and funded

Important things to know:

• The refer-a-friend offer is not always available

• Campaigns run for limited periods and then disappear

• Shares are typically locked for 30 days before cashing out

• The value of the free share varies and is allocated at random

• Investment values can go up or down

Why Trading 212 works well for referrals:

• Very low barrier to entry for new users

• Popular investing app many people are already curious about

• One referral can earn significantly more than other referral offers

You’ll only see your referral link and offer details inside the Trading 212 app when a campaign is live, so it’s worth checking before promoting it.

If the offer is running, then my refer-a-friend link will take you to the offer page on a desktop, if not, it takes you to the homepage:

Trading 212 Referral Link: www.trading212.com/invite/GIEcwTxd

Virgin - up to £50 cash per referral

Virgin Media runs a refer-a-friend scheme that rewards both you and the person you refer with cash when they sign up to an eligible service.

When you refer a friend:

• You can earn up to £50 cash

• Your friend can also earn up to £50 cash

• Your friend must sign up to an eligible Virgin Media service

• The service must stay active for the minimum qualifying period

• Rewards are usually paid after the cooling-off period ends

The exact reward depends on:

• Which Virgin Media service is chosen (broadband, TV, mobile or bundles)

• The referral promotion running at the time

Why Virgin Media works well for referrals:

• Many households regularly switch broadband or TV providers

• Cash rewards are clearer and more appealing than points

• No cap on the number of friends you can refer

Referral offers and reward values change regularly, so it’s always best to check the current referral terms inside your Virgin Media account before sharing your link.

Find the referral deal in your own Virgin account or click below if you're interested in becoming a customer.

Check out the referral deals on Virgin here!

Wealthyhood - free ETF share worth up to £200 per referral

Wealthyhood is a UK investing app focused on ETFs. Its refer-a-friend scheme can be valuable, but it’s best suited to people who already understand investing and were planning to use Wealthyhood anyway.

When you refer a friend:

• You receive a free ETF share worth between £5 and £200

• Your friend also receives a free ETF share of the same value

• The reward amount is randomly allocated within that range

• There is no stated cap on how many friends you can refer

What counts as a successful referral:

• Your friend must open a Wealthyhood account using a referral invite

• They must deposit at least £100

• They must invest that £100 within 7 days

• The free ETF share is usually awarded within a few days

• The reward is typically locked for 60 days before it can be withdrawn

Important to know before referring:

• A £100 investment is required to qualify for the bonus

• The value of investments and free ETF shares can go down as well as up

• It’s not suitable for people looking for risk-free or instant cash

• This works best if your friend already wants to invest at least £100 using Wealthyhood

Referral terms can change, so it’s always worth checking the app for the latest conditions before sharing your invite.

Want to complete this offer yourself?

• Email me at [email protected] stating WEALTHYHOOD in the subject field.  I'll send you a unique invite from my Wealthyhood app, as each invite code has one use.

• Capital at risk

• For step-by-step instructions, see my Wealthyhood refer a friend blog post

YouGov - 200 points (worth £2) per referral

YouGov is a well-known UK survey panel where you earn points for answering short polls and questionnaires. Points can be exchanged for cash or gift vouchers once you reach the payout threshold.

When you refer a friend to YouGov:

• You earn 200 points for each successful referral

• 5,000 points can be redeemed for a £50 bank transfer or gift voucher

• Your friend must sign up using your referral link

• They need to complete at least six surveys for the referral points to be awarded

Why YouGov works as a referral:

• It’s free to join

• Surveys are legitimate and fairly regular

• Cashout options include bank transfer or vouchers

This isn’t a quick-cash referral, but it’s a reliable long-term one if you know people who don’t mind completing surveys occasionally.

Learn more in my YouGov review

Or get started now and sign up to YouGov by clicking here

Zilch - £5 per referral 

Zilch is a buy-now-pay-later app that lets people earn rewards when they make Tap and Pay purchases.

When you refer a friend to Zilch:

• You earn £5 in Zilch Rewards
• Your friend also earns £5 in Rewards
• The reward is triggered once your friend makes their first Tap and Pay purchase

Zilch Rewards can be used to buy gift cards, including Amazon, so you can easily spend the exact amount of rewards you earn without using the BNPL function.

Why Zilch works well for referrals:

• It’s free to join
• The first qualifying purchase can be very small
• Rewards are easy to spend
• There’s no complicated setup

If you’re not already a Zilch user, you can sign up using my referral to get started, then share your own referral link from the app to earn £5 for each friend you refer.

In my Zilch referral code blog post, you'll find more details about the free money offer and how to get an Amazon voucher.

Sign up to Zilch by clicking here.

Get discounts with these refer-a-friend offers

Not all referral schemes pay cash. Some reward you with account credit, discounts, or free extras instead. These can still save you real money on things you already buy.

Here are some of the best UK refer-a-friend schemes that offer credit or discounts rather than cash.

• Costa - free coffee for referring friends: Collect virtual beans every time you buy a drink using the Costa app. You’ll earn extra beans when you refer friends, helping you reach free drinks faster. If you’re not already a member, sign up to the Costa coffee app using my Costa invite code SV77B to get free beans to start with.
• FFS Beauty - £3 credit per referral: FFS is a women’s shaving brand focused on quality razors, flexible subscriptions, and no pink tax. Get £3 in credit for every friend you refer, and they'll get the latest offer (currently £18 off their first kit). Not a customer yet? When you sign up using my FFS referral link, you’ll get £18 off your first order. That means you can try the bestselling Razor Starter Kit for just £6.95.
• Pizza Express - free starter: Got the PizzaExpress Club app?  Get a free starter as your referral bonus when you refer your friends! Not a member yet? Use Pizza Express referral code 73S7GP when signing up to get a FREE starter and then find your own code in the app.
• Ripple+ - £10 off per referral: £10 off your next order by referring a friend, and they’ll get 20% off their first order when using your link! Get 20% off Ripple+ aromatherapy non-nicotine vapes here
• Uber Eats - £3 off per referral: Refer a new customer to Uber Eats, and you’ll both get £3 off an order of £20 or more. Referral offers may vary depending on location and account. Find your refer-a-friend code in the app. If you're a new customer, use my Uber Eats refer a friend new customer code eats-5uwwen at checkout

 

Want more free cash?  

Hopefully, this list of the best referral programs in the UK has given you plenty of ideas for making extra money while helping friends and family discover useful services.

But it doesn’t have to stop here.

If you’re looking to boost your income further, I also share a large and regularly updated list of genuine free money offers in the UK. You’ll recognise some of the referral deals from this guide, alongside many additional sign-up offers, cashback opportunities, and step-by-step tips. That blog post is focused on offers you can take part in to get free cash rewards, and even more freebies. 

Beyond refer-a-friend schemes, I also cover lots of other practical ways to get free money or earn extra cash online and at home, such as in my article real ways to make money from home for free. Feel free to browse the site and dip into whatever’s most useful for you.

Invite friends. Earn cash. And keep stacking those small wins. 

But for now, read on for more referral schemes that offer discounts and account credit rather than cash.

Phew! That's a Wrap!

Small referrals add up faster than most people expect. Share links you already use, stay consistent, and treat each bonus as a win. Over time, it can become a steady extra income stream without much effort at all.

Important Things To Note:

Some of the offers listed above involve investing. If you choose to invest your own money, your capital is at risk as the value can go up or down.

Refer-a-friend schemes, rewards, and thresholds can change at any time. Always check the latest terms and conditions inside the app or website before sharing your referral link.

This list reflects the best refer-a-friend schemes in the UK that I’m aware of right now. I regularly remove expired offers, update once I know they've changed and add new ones, but they are subject to change at any time.

Thanks for reading, and happy referring.