They earn £3,295.
You earn £411 per person.

Zilch gives you and your friend £5 each in Zilch Rewards once your friend joins with your link, verifies their identity and gets their Zilch card within 30 days.

You can refer unlimited friends.

Zopa gives you £20 cash for every friend you refer.

You can refer up to 10 friends.

Monzo gives you £10 to £50 cash for each of your first 100 referrals. The amount is picked at random: 94% of rewards are £10, 5% are £20 and 1% are £50.

You can refer an unlimited number of friends, but each referral after your first 100 pays a fixed £5.

Trading 212 gives you £8 to £100 for every person you refer.

You can refer up to 5 friends.

Robinhood gives you 5 free shares (together worth around £25) for every friend you refer.

You can refer up to 40 friends.

£20

Unlimited

InvestEngine gives you and your friend an investment bonus of £20 to £200 each. The amount is randomly generated when the bonus is claimed, and most fall between £20 and £24.

You can refer up to 25 friends. You need at least £100 of your own money invested before you refer, your friend needs to invest from £100, and the bonus has to stay invested for 12 months before you can withdraw it.

Wealthify gives you £50 for every friend who joins with your link and invests at least £1,000 in a Stocks and Shares ISA or Junior ISA, or £5,000 in a GIA or SIPP, within six months. They then need to keep at least that minimum invested for six more months.

You can earn up to 50 referral rewards, a maximum of £2,500 in total.

Penfold adds £25 to your pension for every friend who joins with your link, once you've both contributed over £25. £20 comes from Penfold and £5 from HMRC tax relief.

You can refer an unlimited number of friends.

Lightyear gives you a reward worth around £10 to £100 for every friend who joins with your link and funds their account with at least £100 within 30 days.

3 friends per calendar month.

Freetrade gives you a free share worth £10 to £100 for every friend who joins with your link and adds at least £50 in their first 30 days. You both need to keep at least £50 in your accounts for six months.

You can earn up to 10 free shares per calendar month, and the cap resets on the first of each month.

Chase gives you £50 for every friend who joins, and your friend gets £50 too. Both are paid into your Chase rewards balance.

You can create up to 5 referral codes. Your friend needs to be new to Chase, and cannot have applied before 3 December 2025.

You get £25 for every friend who signs up to Starling with your referral code.

Your code works for up to 10 friends. Starling is only testing referrals with a small group of customers at the moment, so if you cannot see a code in your app, you are not eligible yet.

Klarna gives you £40 in cashback rewards points for every friend who signs up with your link, picks a monthly Klarna Card plan and makes 3 purchases of £10 or more within 30 days.

You can refer as many friends as you like, but rewards stop after 10 in the current campaign.

TopCashback gives you a bonus of up to £20 to £25 for every friend who joins with your link and earns at least £10 in confirmed cashback at eligible brands.

There's no published limit on how many friends you can refer.

Quidco gives you a £25 cashback bonus for every friend who signs up with your link and earns at least £5 in confirmed cashback from their own purchases.

You can earn the bonus for up to 10 friends in any rolling 12 months.

Rakuten gives you £25 cashback for every friend who joins with your link and makes qualifying purchases totalling at least £50 within 90 days. Amazon orders and gift cards don't count.

You can refer an unlimited number of friends.

EverUp gives you £5 for every friend who joins with your link and redeems £10 or more in cashback points. You both need a verified phone number in the app before it pays out.

There's no published limit on how many friends you can refer.

£3

Unlimited

JamDoughnut gives you 500 points, worth £5, for every friend who signs up with your code and cashes out for the first time.

You can refer an unlimited number of friends.

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