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

This article is divided into three main sections to help share the best referral programs I know of and use in the UK, in alphabetical order, as well as some more ways to make money at the end:

1. Make money from these refer-a-friend schemes
2. Earn discounts or credit from these referral schemes 
3. 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 - up to £668 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, the amount you earn depends on what type of listing they create:

• Home listings earn you £52 to £668, depending on the property
• Experience listings earn you £37
• Service listings earn you £74

There's no limit to how many hosts you can refer, so this can add up if you know several people considering hosting a home, running an experience, or offering a service.

How it works:

• Share your Airbnb host referral link
• Your friend signs up and lists their property, experience, or service
• Once it's live and, depending on the category, 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 up to £668 cash at the time of writing!

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 (gift card purchases don't count towards this)
• 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 my Airtime Rewards referral code FTT7WY7W when signing up for Airtime Rewards. You'll receive the £2 welcome bonus if you meet the qualifying spend. Read my full Airtime Rewards review for more detail.

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

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

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 and enter BeMyEye Invitation Code 0rg1zy for a £1 bonus once your first mission is completed.

Budgey - £3 per referral

Budgey is a UK cashback website (formerly called 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 £5 as a free 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.

Cashback.co.uk - £10 per referral & 10% of their earnings for life

Most referral schemes pay a one-off bonus and that's it. Cashback.co.uk is different - you keep earning.

When you refer a friend:

• You earn £10 once they complete all 10 levels
• You earn 10% of everything they earn from tasks, for life
• Your friend gets a £10 welcome bonus just for joining

Your friend must complete one task on each of the 10 levels for the referral bonus to trigger. After that, your 10% commission runs automatically in the background whenever they earn.

Cashback.co.uk is a free UK 'get paid to' site where members earn money completing simple tasks - surveys, free trials, sign-ups and more. New tasks are added weekly, so there's always something new to earn from.

Find your referral link inside your account once signed up. Not a member yet? Sign up via my link and get a £10 welcome bonus.

Read my full cashback.co.uk review to find out more about what it is and how much I made from this website by completing the offers.

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 for Cheddar by clicking here and enter Cheddar Referral Code PTXKBZZ to get started.

 

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 here on the App Store and enter EverUp Promo Code RVIC312154ATMWQZ for your sign-up reward. 

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

Why JamDoughnut is easy to refer: 

• It’s free to join

• Friends can use it for supermarket shopping they’re already doing (Top tip: Buy supermarket vouchers for your next food shop to reach the £10 cashout threshold instantly!)

• 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 and enter JamDoughnut Referral Code 2XYM for your new customer reward, then share your own referral link from the app to start earning £5 per referral. 

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

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.

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

Monzo - £10 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 at least £5 per successful referral. At the time of writing this, it's £10 per personal customer or £50 per business customer, but it may change.

When you refer a friend:

• You can earn up to £50 per 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 £5, £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

If you’re already a Monzo user, you’ll find your referral link inside the app when an offer is live. If not, see and claim the latest Monzo referral bonus by clicking here

Link not working?

The offer regularly changes!  If the offer link says "Your invite expired" or similar, please email [email protected] with the subject line "Monzo" and I will send the latest offer link directly from the app as a reply to your email address.

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

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 added to their Octopus account

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 is 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.

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 is 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

What does your friend get?

• Your friend gets £30 too!

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 and want to get started, then use my Outplayed affiliate link to sign up (refer-a-friend links can't be shared publicly from Outplayed, so bear this in mind as their affiliate scheme is also open for signups with a different offer), then you'll find the referral section with your refer-a-friend link in your account to start earning for every friend who joins as a paid member.

Check my matched betting blog to learn what matched betting is, explained simply.  Try it yourself, then refer a friend for money, 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

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.

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 and enter Pi Invitation code lyliarose when prompted.

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 - £20 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 £20

• Your friend earns £10

• 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.

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.

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

If you’re not already a Riverford customer, you can use my Riverford referral link to sign up for £15 off your 2nd order. Once your first order has been delivered, you’ll receive your own referral link to share.

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 Shopmium 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

If you’re not already a Snoop user, you can sign up using my Snoop referral link. Once you’re signed up, you’ll find your personal referral link inside the app.

Sprive - £5 to £2,000 per referral

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

Sprive's refer-a-friend scheme now runs as a weekly prize draw (with guaranteed prizes) rather than a flat reward.

When you refer a friend to Sprive:

• You're entered into Sprive's weekly referral prize draw for each successful referral, up to 10 entries
• Prizes range from £5 up to £2,000 in mortgage overpayments
• If you don't land a top prize, you still win £5 multiplied by your number of referrals that week, so you're always guaranteed something
• Your friend receives free access to Sprive Plus and their own prize draw entry when they sign up

Once you've referred 10 friends, you graduate to Sprive's Ambassador programme. From that point on, you no longer get prize draw entries, but instead earn a flat £10 for every successful referral going forward.

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)

If you're not already a Sprive user, click here to download Sprive today and enter Sprive referral code 3OVDPUBK to get Sprive Plus and any current welcome bonuses, then you can start referring friends straight away with your own referral link in the app.

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 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

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

If you're not already a member, sign up to Swagbucks here. Once you're 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.

Sign-up bonuses and promotions can come and go, so it's always worth checking the app for whatever's currently running.

 

Tembo - Random referral bonus between £10 and £1000

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 £1000 when the conditions are met.

When you refer a friend to Tembo:

• You and your friend each receive a random bonus between £10 and £1000

• 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

➡️ Sign up to Tembo using this link to get £10–£1000 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

Own a business and want to take part yourself first? Click here to sign up for Tide and enter Tide Promo Code K754KJ during signup.

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.

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

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: 7th October 2026 - 3rd November 2026.

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

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 Media - 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

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 or use Virgin Media refer a friend code ZGGPGNSN if signing up via telephone.

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.

If you’re not already a Zilch user, you can sign up to Zilch by clicking here and 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.

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 - £5 credit per referral

FFS is a women’s shaving brand focused on quality razors, flexible subscriptions, and no pink tax. Get £5 in credit for every friend you refer, and they'll get a special welcome offer too. Not a customer yet? When you sign up using my FFS referral link, you’ll get a special welcome offer on your first order. 

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 the Pizza Express Club Referral Code 73S7GP when signing up to get a free starter and then find your own code in the app.

Uber Eats - £5 off per referral

Refer a new customer to Uber Eats, and you’ll both get £5 off an order of £15 or more. Find your refer-a-friend code in the app. If you're a new customer, sign up to Uber Eats here or enter the Uber Eats promo 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 earn extra cash online and at home, as well as real money-saving techniques I use. Feel free to browse the site and dip into whatever’s most useful for you.

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.

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

Important Things To Note:

• Some of the offers listed above might 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!

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