Hi, I'm Jen! I'm a personal finance expert and money coach aiming to help you take control of your money. I went from being broke to a six-figure net worth and am now on track to be financially independent at age 40. Discover Jen's story
Below is a list of profitable friend referral programs in the UK. Sign up to as many as possible and refer your friends for cash and rewards.
Referring friends is one of my favourite ways to make money. As a blogger, I share referral links on my website. I have earned over £1000 since 2019 from referral schemes. If you don’t have a blog like me, don’t despair. You can still make easy cash by sharing referral codes with your friends or online.
🪧 Should you sign up through my affiliate links, I may receive a commission at no cost to you.
- Best Free Share Referral Programs (11)
- Best Banking Friend Referral Offers (15)
- Best Cashback Referral Offers (11)
- Get-paid-to Sites Friend Referral Programs (14)
- Other Friend Referral Offers (11)
- Food Friend Referral Programs (7)
- Household Friend Referal Programs (10)
- How Do Refer-a-Friend Schemes Work?
- Friend Referral Programs Summary
Best Free Share Referral Programs (11)
When you invest, your capital is at risk, and you may lose money. Only invest money you can afford to lose.
Trading 212
Trading 212 is an investment platform. New users can get a free share worth up to £100 using a referral link. The referrer will also get a free share.
To get the free share, users have to verify their account and make a deposit. Read more in my Trading 212 review or use the button to sign up.
Finimize
Finimize is an investment insights app for busy people. It provides investment news, stock analysis, and financial education materials. All content is presented in an easily understandable and digestible manner.
If you refer a friend to Finimize, you can get $15 in PayPal cash. Your friend gets a free trial plus 50% off membership.
Finimize is worth the price as it helps you to make better investment decisions. Getting 50% off is an excellent deal. Plus, your friend can also refer more friends. If you cancel your membership, you can still refer friends.
Read more in my Finimize review or sign up using the button below.
Other Free Stocks Referral Offers for UK Users
| Broker | Value of Free Stock | Link |
|---|---|---|
| Circa5000 | Varies (currently £15) | Link |
| Freedom24 | Up to $600 | Link |
| Freetrade | £10-£100 | Link |
| InvestEngine | £10-£50 | Link |
| Shares | £5 | Link |
| Stake | ~£5-~£120 | Link |
| Trading 212 | £6-£100 | Link |
| Wealthyhood | £5-£200 | Link |
| Wombat Invest | £10 | Code KCGPNQMU |
Best Banking Friend Referral Offers (15)
Monzo
Monzo is a British mobile-based app. Unlike other banks, Monzo does not have physical branches. You can only access Monzo through its app. However, the Monzo app is easy to use and has all the functionality a bank needs.
Monzo is free and gives new users £5. If you refer a friend, you get £5. Read more in my Monzo review.
Monese
Monese is an e-money institution. It works similarly to traditional bank accounts but is fundamentally more similar to eWallets. Monese does not offer the same protection as traditional banks. However, they are great for people working with multiple currencies and travelling a lot.
With Monese, you and your friend can earn up to £30 when your friend orders a card and makes a card transaction. The card costs £4.95, but the cost will be more than offset by the friend referral bonus.
Use code JENN372 when you sign up to Monese. For more information and instructions on how to get your £30 cash, read my Monese review.
Other Banking Referral Offers
| Bank | Value |
|---|---|
| Tide | £50 (spend £500) |
| Wise | £50 (refer 3 friends) |
| Curve | £15 (sign up) |
| Yolt | £5 (refer a friend) |
| Emma | Pro plan free for 1 month |
| Atoa Pay | £3 |
| GoHenry | £20 |
| Revolut | £50 |
| Sprive | Money off your mortgage |
| Vanquis | £25 |
| Snoop | £5 |
| Nutmeg | £50-100 |
| Fidelity | £50 |
| Suits Me | £25 |
Best Cashback Referral Offers (11)
Topcashback
TopCashback is a cashback site. If you buy something through TopCashback’s links, you get money back from your purchase. Cashback is a great way to save money on purchases. Thus far, I have made over £400 from Topcashback.
If a friend signs up to Topcashback via your link and claims cashback, you will get £5-30. Sometimes, TopCashback will boost this offer. At other times, you will get the usual reward of £5.
Your friend also gets a £5 bonus once they have accrued their first cashback. Read my Topcashback review for more details.
Quidco
Quidco is another cashback site and works in the same way as Topcashback. You can also have a look at my Quidco review.
Although you earn less with Quidco than with Topcashback, it is worth signing up. Quidco has different brands than Topcashbask, so you can use it for additional cashback. They may also pay better for selected brands.
With their refer-a-friend programme, you get a £10 bonus for each friend you refer. In return, your friend gets £5. To get your bonus, your friend has to make a purchase via Quidco and accrue cashback.
Shopmium
Shopmium is a cashback app. The principle is similar to Topcashback and Quidco. The main difference is that Shopmium pays cashback on supermarket purchases.
With Shopmium’s friend referral program, you get £3 if your friend claims cashback. You’ll get the reward immediately. My Shopmium code is q2766a, giving you a freebie when you sign up. Read my Shopmium review for more details.
More Cashback Friend Referral Programs
| Site/App | Value |
|---|---|
| JamDoughnut | £2 |
| GreenJinn | £1 (you have to request a code) |
| Airtime Rewards | Up to £1.50 |
| ExtraBux | $20 (sign-up bonus) |
| OhMyDosh | £1 |
| GoCashback | $5 |
| Widilo | £3 |
| Super | £10 |
Get-paid-to Sites Friend Referral Programs (14)
Cashback.co.uk
Cashback (Cashback.co.uk review) is a rewards site. Like the predecessor 20Cogs, you complete tasks on Cashback and get rewards.
When you refer your friend, they instantly get £5 credited. You will earn 10% of your friend’s earnings as they work through their tasks. Once your friend has completed all tasks, you receive your £10 bonus.
More Get-paid-to Sites Friend Referral Programs
| Site | Value |
|---|---|
| Freecash | Up to $250 + Up to 30% of friend’s lifetime earnings |
| ySense | Up to 30% of friend’s lifetime earnings |
| GPTPlanet | Up to 20% of friend’s lifetime earnings |
| PrizeRebel | 15% of your friend’s lifetime earnings from surveys |
| Pawns.app | $1 + 10% of friend’s lifetime earnings |
| InboxPounds | 10% of friend’s lifetime earnings |
| Swagbucks | 10% of friend’s lifetime earnings |
| Eureka | 10% of friend’s lifetime earnings |
| Zoombucks | 7% of friend’s lifetime earnings |
| Qmee | £0.50 (refer a friend) |
| Streetbees | Up to £5 (refer a friend) |
| YouGov | £2 (refer a friend) |
| BeMyEye | £1 (refer a friend) |
Other Friend Referral Offers (11)
Zilch
Zilch is a Buy Now Pay Later company. Zilch makes the initial payment when you make a purchase. Then, you pay Zilch back in instalments. You may be familiar with the concept from more well-known companies such as Klarna.
Using Buy Now Pay Later companies carries a serious debt risk. I do not recommend using Zilch beyond the sign-up offer and refer-a-friend scheme.
First, you can make £5-£15 from signing up to Zilch. You can redeem this money in the form of an Amazon voucher. Once you have signed up, you can refer your friends to Zilch. When your friend signs up, you receive £5-£15, and your friend receives the same amount. Again, you can redeem this in the form of vouchers.
For instructions, read my Zilch review.
More Friend Referral Schemes
| Provider | Value |
|---|---|
| Honeygain | £0.50 + 10% of friend’s traffic earnings |
| Eufy | £40 Amazon voucher |
| Freejackpot | £1 |
| Outplayed | £10 |
| Skedadle | £0.50 |
| Kids Pass | £5 |
| Zavvi | £3 |
| Pouch | 500 points |
| Sweatcoin | 5 SWC |
| Skin + Me | Free box |
Food Friend Referral Programs (7)
| Provider | Value |
|---|---|
| HelloFresh | £20 credit |
| Gousto | £15 credit |
| Mindful Chef | £10 credit |
| Simply Cook | Free box |
| Muscle Food | £10 credit |
| Oddbox | £10 credit |
| Uber Eats | £3 credit |
Household Friend Referal Programs (10)
| Provider | Value |
|---|---|
| Sky | £100 |
| Eon | £50 |
| Virgin Media | £50 |
| GiffGaff | £5 |
| Three Mobile | £20 |
| O2 | £25 |
| Vodafone | £25 |
| BT Energy | £50 |
| Ovo Energy | £50 |
| Ecotricity | £25 |
How Do Refer-a-Friend Schemes Work?
Refer-a-friend schemes work by rewarding you for telling a friend about a service or product you like. You get rewarded if your friend signs up for something after clicking on your link. This is an easy and often risk-free way to make money on the side.
The listed referral programs are legit. They are a way for companies to gain new customers or users without paying a marketing team. Brands hope your friend will like their service so much that they continue using it. However, there is no obligation for you or your friend.
Typically, there are six steps involved in friend-referral programs:
- You sign up to a website/app that operates a friend-referral program (and often get a sign-up bonus, too).
- You share your friend code or invitation link with your friend.
- Your friend signs up to the website/app.
- Your friend fulfils the condition of the referral program.
- You and your friend receive your bonuses from the refer-a-friend scheme.
- You and your friend withdraw the money (or continue to use the website/app).
If you are looking for ways to share your referral codes, you can try Invitation Codes.
Friend Referral Programs Summary
Friend referral programs are an easy way to make money. Plus, you can show your friends new apps and sites. This post introduced you to the best referral programs for your friends.
You may also like to read about more free money offers.
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