Bank switch bonuses, referral codes & cashback — with the exact steps to get paid.

Provider

Simply Business

£50 gift card

Let's be straight about this one: it's only worth a look if business, shop or landlord insurance is already on your shopping list. Buy a 12-month policy directly through the referral link and, once both policies have ticked over 60 days with premiums paid, the referrer pockets a £50 e-voucher and you get £25 to spend at Amazon, John Lewis or M&S. The sums that matter: this is a real insurance commitment, not free money; the reward email can take up to 90 days to land; and you've got 90 days to claim it before the link dies. The juiced-up £50/£25 rate runs until 31 December 2026, then drops back to £25 each. Bought through a partner? Doesn't count. Had a Simply Business policy in the last 12 months? Doesn't count either. Their live terms have the final word, as always.

Requirement: 12-month business, shop or landlord policy bought direct via the referral link — partners don't count

Provider

HeyClicky

25% off

HeyClicky is an AI companion that lives on your Mac — tap the hotkey and it can see your screen, talk you through any app, or set its agents to work while you put the kettle on. Sign up through this referral link and take 25% off your first month of Pro ($20 a month) or Max ($100 a month). The free tier (25 talk and 25 agent messages a month) costs nothing at all; the discount lands when you subscribe.

Requirement: A Pro ($20 a month) or Max ($100 a month) subscription — 25% off the first month

Provider

Kimi

A spin of the prize draw

Kimi's Moon Companion Plan runs referrals as a prize draw — heads up, this is not a free signup bonus. Bind your Kimi account via the invite link with code KN9KB5, then complete a paid membership subscription within 24 hours of binding, and you and your inviter each get one lucky draw entry. Up for grabs: Kimi Go tier membership-equivalent credits from 3-day to 1-year tiers — proper usage credits, mind, not fixed days of membership.

Requirement: A paid Kimi membership subscription with successful payment, completed within 24 hours of binding via the invite link

Provider

Google Fi

£47 credit

Join Google Fi Wireless, Google's US mobile phone service, through this referral link (code M0APFR) and get a US$60 bill credit. Google Fi's official Referrals page says that when you join with a friend's referral code you both get a US$60 bill credit after you pay the first month's bill. Per the referral terms, you must activate a new full-service plan (data-only SIMs and members added to an existing group plan don't qualify) within 30 days of checkout, keep service active for 30 consecutive days and pay your first bill in full. The credit covers Fi service charges only, not phones, and isn't cash. Google Fi is US-only: you need to be a US resident aged 18+ with a US home address.

Requirement: Activate a new full-service Fi plan, keep it active for 30 consecutive days and pay your first bill in full

Provider

iFAST Global Bank

Renewal unconfirmed

The published iFAST £5-each Tell-a-Friend terms cover applications only through 30 September 2026. No extension was verified on 9 October; keep this referral route for checking with the bank, but do not rely on a current bonus or deposit money to chase it.

Requirement: No current qualifying deposit or bonus confirmed; old Q3 terms required £500 within 30 days of approval

Provider

Yolla

£2 credit

Calling family abroad on the regular? Yolla is the app for cheap international calls to mobiles and landlines. Install it through the invite link (promo code A7T8I9), make your first payment, and Yolla's official Free Credits page says each invited friend gets a US$3 gift — with the FAQ counting top-ups of US$4 or more. If the code doesn't auto-apply on the payment screen, enter A7T8I9 in the app menu's Get bonus / Bonus (promotions) section before topping up. Pro tip: don't switch between mobile data and Wi-Fi during sign-up or the invite tracking can break. It's call credit, not cash.

Requirement: First Yolla payment (top-ups of US$4 or more count for referrals, per Yolla's FAQ)

Provider

AJ Bell

£100 Amazon.co.uk voucher

AJ Bell's current referral terms offer each participant a £100 Amazon.co.uk voucher when a never-before customer funds eligible accounts with £10,000 in total within 120 days of the first account application. Issue is 30 days after funding, with at least £10,000 still held. Withdrawal or transfer reducing account value by more than 75% can lead to recovery within 12 months. The private invitation's eligibility must be confirmed; a site request alone does not establish it.

Requirement: £10,000 total eligible funding within 120 days of the first account application; retain £10,000 at voucher issue

Provider

Raisin UK

£100

For referrals made from 31 October 2025, Raisin states £100 each after a new customer opens and funds their first qualifying fixed-rate bond: at least £10,000 in one product, for one year or longer. Payment is within 28 days of opening and funding. Compare the selected partner bank's rate, access and deposit protection before locking away savings.

Requirement: At least £10,000 in one first qualifying fixed-rate bond for one year or longer

Provider

Chip

£50

Current Chip referral terms require a new customer to enter the referral route, deposit at least £1,000 into eligible Chip savings or investment accounts and keep at least £1,000 there for 90 consecutive calendar days. The £50 bonus is paid to an open Chip Instant Access or Prize Savings Account; the Chip Pension is excluded.

Requirement: Deposit at least £1,000 into eligible accounts and maintain at least £1,000 for 90 consecutive days

Provider

Wealthyhood

Free share up to £200

Wealthyhood's UK page, checked on 10 October 2026, gives both people a free share of up to £200. The friend verifies the account and invests at least £100 within 7 days of signing up. The referrer also verifies and invests. Use code B91O5YTR. Capital is at risk.

Requirement: Meet the live referral terms shown at sign-up (may include funding or investment)

Provider

Whatnot

£10–£200 mystery credit

Fancy a dabble in live shopping? Open a new Whatnot buyer account through invite jimbb, verify your phone number, and a randomly determined £10–£200 promotional credit lands in your account — the exact amount is revealed during sign-up, so it's a proper lucky dip. The credit only covers the eligible order subtotal: shipping, fees and taxes still come out of your pocket, and it has no cash value. Two things to know: it only works with sellers transacting in GBP, and it expires 90 days after issue. And a word of caution — live auctions are brilliant at parting you from your money, so set a firm total budget before you join a show.

Requirement: No minimum order value; credit covers the eligible order subtotal only, not shipping, fees or taxes

Provider

InvestEngine

£20–£200

Current InvestEngine referral terms say both people can receive randomly generated funding of £20–£200 when a new customer registers an eligible personal account through the referral system and invests at least £100. The referral limit is 25, and both portfolios must keep at least £100 plus the reward invested for 12 months.

Requirement: Invest at least £100 in an eligible personal InvestEngine portfolio

Provider

Trading 212

£8–£100 in shares

Eligible new customers use a current invite for Invest, Stocks ISA or SIPP and fund the account's live minimum within 10 calendar days of opening. The September–November PDF supports £8–£100 weighted random shares for GBP accounts; reward value is locked for 30 days from crediting and reversal/recovery rules apply. Keep the current campaign and lockup evidence.

Requirement: Current account minimum within 10 calendar days of opening; £1 not freshly verified