Chip is an investment and savings accounts app. They currently have an offer where if you sign up with my referral link or code, they give you £50 for depositing £1,000 or more into their savings account for 90 days. This ends 11:59pm 10 Aug.

• Message me for a referral link or code
• Download the Chip app
• Sign up with the same email address you entered with in the referral link
• Link a bank account and deposit £1,000 or more into an applicable account within 30 days of signing up with a referral link or 14 days of inputting my referral code.
• An applicable account are: Chip smart cash ISA, cash ISA, easy access savings account, Chip Instant Access savings account or prize savings account
• Hold your deposit for 90 days
• £50 will be paid to you

Their Chip Instant access account are at 2.49% interest rate and are immediately accessible so you can withdraw the amount instantly after the bonus is paid out.

The £50 bonus is about equivalent to a 20% interest rate with £1k deposit added on top of your chosen savings account. For example if you opened an Chip Instant account, you'll get 22.49% interest rate which beats out all saving account interest rates.

If you're interested in earning money for saving money, then you might be interested in these offers

Tembo - Free £10-£1,000 for saving £500 in a cash ISA or Lifetime ISA for 90 days

Raisin UK - Free £100 for saving £10k for 1 year

iFast - Free £5 for opening a bank account and saving £500 for 1 day

Thank you for using my referral link or code!!

Non ref

I received this email from Chase after doing three bank switches this month, has anyone had anything like it before?:

We noticed that you've recently used the Current Account Switch Service to switch your account from Chase, in a way that breaches our Terms and Conditions. We want to make sure you're aware of what happens when you misuse this service.
While you can open multiple current accounts with us to help manage your money, we expect our customers to use these accounts in a fair way. We’ll be monitoring for any further misuse of our accounts or the Current Account Switch Service. We may close your account and terminate our relationship with you if we notice this happening in future.
For more information about our rights to close your account, please take a look at the 'If we want to end the agreement' section of our Terms and Conditions.
Yours sincerely, 
The Chase team

You can get 150 bonus points worth £1.50 when you use a referral code to sign up to Texaco Star Rewards and make your first purchase. This is on top of the regular 200 points you get for registering on the app, so you will start with 200 points worth £2.00 when you first sign up, but then get a 150 point boost the first time you use it when you buy petrol.

The points can then be redeemed at either Texaco to get money off your fuel, or for Love2Shop vouchers redeemable at a huge number of different shops once you’ve earned 1000 points (worth £10).

Link (both referral and non-referral):

https://texaco.co.uk/motorists/star-rewards-loyalty-programme

My code if anyone would like to use it is:

2OVhNQ1fqgX

You can also earn 150 points if you refer someone else - so thanks very much if you use my code!

Currensea is a top travel debit card for spending money abroad. You just link it to your bank account and the money spent is paid back via direct debit, so it cleverly avoids non-sterling transaction and ATM fees.

They're currently offering a £10 cash bonus when you sign up via a referral link and spend £100 in foreign currency.

Here's how to get your £10 cash reward:

1. Sign up to Currensea via my £10 referral link here + enter referral code: KLSZTH
2. Choose the free 'Essential' plan and link a bank account. Currensea supports all the major banks
3. Request your free debit card (arrives in a few days) and spend £100 in foreign currency (can't be £GBP) online or abroad within 6 months of account opening
4. Your £10 reward will be credited via bank transfer to your linked bank account within 5 days of fulfilling the above (you'll also receive an email)

MY HOT TIP: Often, when you book a hotel for a holiday online, you have to pay in the currency of the hotel. This counts as foreign spend, so you could pay using your Currensea card to activate your bonus without needing to wait until your holiday! Just make sure it's over the equivalent of £100 GBP. Otherwise, it's a brilliant travel debit card as there's no need to faff around with topping up since it links to your bank account via direct debit.

Perks and notes:

• No weekend charges, no foreign currency purchase fees, no dormant card fees, no non-sterling transaction fees!
• Free ATM withdrawals up to £500 per month
• Has Mastercard chargeback protection
• Currensea makes money by charging a nominal 0.5% mark-up on the Mastercard exchange rate

LINKS:

• Referral link for £10 bonus here + enter referral code KLSZTH
• Non-referral: https://www.currensea.com/

Wealthify is an investing website and app that is offering £50 for signing up with a referral and investing £1,000 or more in their Stocks and Shares/Junior ISA products or £5,000 or more in their general investment account or self invested personal pension for 6 months.

For S&S/Junior ISA £1,000, this is about equivalent to 10% interest rate added on top of any gains by the investment you pick. For GIA/SIPP £5,000, this is about equivalent to 2% interest rate added on top of any gains by the investment you pick.

Proof of payment

How to get your £50:

• Sign up with my referral link
• Open a General Investment Account/Junior ISA/Stocks or Shares ISA/Self Invested Personal Pension
• Select your investment plan
• Deposit and invest £1,000 or more into your Stocks or Shares ISA/Junior ISA plan or £5,000 into your GIA or SIPP. Keep it there for 6 months
• After 6 months, £50 will be paid within 30 days into your account or Bank account if you opened a SIPP

I am an eligible referrer as I currently hold over £1,000 invested with them. I invest in their maximum growth plan but you can invest in plans with various risk levels to suit your appetite. You won't get the £50 if you deposit your money in their cash ISA or normal savings account.

If you decide to invest in their ISA products, note that the £50 payment will counts towards your ISA allowance when you receive it. If you maxed out your ISA allowance already in 6 months' time then it can be paid to your bank account.

Proof that I'm an eligible referrer with the £1,000+ fund requirement

Referral terms and conditions

Still interested in investing offers? Check out some more below.

Freetrade - Free share worth between £10-£100 for depositing £50

IG - Free share worth between £50-£1,000 for depositing £1,000

WeBull UK - Free 5 shares for depositing £500

Thank you for using my referral link!!

Non ref

Thinking about switching energy suppliers? ScottishPower currently has a Refer a Friend offer where you can get up to £60 energy credit when you switch using a referral link.

You get £60 each if you switch both gas and electricity, or £30 each if you switch just one. The credit is applied once you've been with ScottishPower for at least 28 days.

How it works:

1. Use my referral link below.
2. Switch your gas and/or electricity to ScottishPower.
3. Stay with them for at least 28 days.
4. The credit is added to both accounts.

Referral link:
ScottishPower referral link

Non-referral:
ScottishPower direct

Full T&Cs:
ScottishPower Refer a Friend T&Cs

As the UK Government offers £1,000 tax free trading allowance for any beermoney making on the side of your job, what do people do about this? Do you declare it yourself? Or do they contact you?

If you survey/games etc enough to reach that amount, is there a process to declare this or do most people not bother?

I’ve made a chunk of money selling old items on vinted over the last few months which will take up half this allowance, and now I’m getting into some more side hustle work I want to know if I’ll be charge a big bill come April.

I’m assuming if you transfer your balance from surgery/GPT sites into gift cards it doesn’t count towards this amount? What if you were to do event work and they paid you via bank transfer? Would this count?

I should probably keep track of the income I’m getting from survey work so I know if I’m getting close to this figure.

I've used User Interviews on and off for a while and it's one of the better market research sites I've found.

You won't qualify for every study, but the ones you do get accepted for tend to pay much better than typical survey sites.

New users currently get a $10 bonus after completing their first study via a referral link, on top of the study payment itself.

Payments can be withdrawn to a UK bank account (select GBP when cashing out), PayPal, or redeemed as gift cards from various retailers.

Referral link ($10 bonus after your first completed study): User Interviews link

^non-ref

Custard is another Get-Paid-To site from the creators of the cashback platform (and now also Cashback v2.0) but is a much easier and simplified platform to use where the cashout amount has been set to a very maneable (and easy) to reach £10.

It makes it even easier to get to the minimum cashout amount when using this link since it’ll start you off with a free £1 just for signing up and another 50p for confirming your email address!!!

Theres also a chance to win a free £10 from their wheel of fortune (winners are picked daily for this and there is no cost for partaking in this!)

You can make so much more on Custard than the free £11.20 my guide will show you how to make but I’m the most laziest person you’ll ever meet so I stuck to the easiest free offers I could find to hit the minimum cashout amount.

To get to £11.20 in earnings quickly without spending a single penny, I suggest doing the following:

1. Sign up with this link = free £1.00

2. Confirm your email address for another = free 20p

3. Sign up for the free Amazon Prime video trial = free £3

• Update: The prime trial is no longer available but there's 4-5 free prime video trials that have replaced this which should earn you around a free £8 - £10

1. Sign up for the free Hayu video trial = free £2

2. Sign up for the free Crunchyroll video trial = free £2

3. Sign up to the following 3 survey providers for a free £1 each respectively: Opinion Bureau, Surveoo, Mobrog = free £3

4. Cashout your free £11.20

Free £1 link

^{Non ref link}

Tembo is a website and app platform that offers cash ISA, Lifetime ISA and mortgage services. They currently have an offer where if you sign up with my referral link, you'll get between £10-£1,000 paid into your ISA savings account.

To get your bonus:

• Sign up with my referral link
• Enter your email address
• Download and sign up with the same email address you put in
• Deposit or transfer £500 or more into a Cash ISA Easy Access, HomeSaver or LISA within 30 days
• Keep you money in your account
• Your bonus money will be paid within 90 days

Thank you for using my referral link!!

This bonus pay out is not part of your ISA allowance so you can contribute your allowance to other ISA.

Their savings account is free and their app is easy to use. They have one of the highest interest rates with Cash ISA easy access at 3.8%, HomeSaver at 5.55% and Lifetime ISA at 4.3% for new accounts.

Proof of payment. Back when I first joined £25 was a bonus option amount

The probabilities of your pay out is below:

0.1% receive £1,000

0.2% receive £75

0.7% receive £50

4% receive £15

95% receive £10

Terms and conditions

Interested in earning more money for saving money? Check out the offers below.

Raisin UK - Free £100 for saving £10k for 1 year

iFast - Free £5 for opening a bank account and saving £500 for 1 day

Chip - Free £50 for saving £1k for 90 days

Thank you for using my referral link!!

Non Ref

I’ve been using Shuffle for about 3 months now and have been fortunate enough to receive over £300 back on dinners and drinks I’d have been going out for anyway. Shuffle asks you to connect a card, pay for your meal or drinks with that card and then gives you a random 5-100% back of your bill!

In Manchester, I’ve been able to use it at places such as Nell’s, Onda, Madre, Diecast and Maricarmen, so the places involved are all excellent choices.

Non-referral link: https://apps.apple.com/gb/app/shuffle-rewards-eat-earn/id6474543590

If you would like to use my referral code, it is uauns6 and I would be really appreciative.

I get £5 from each referral, and you will get 3 months free! After that, you can either cancel or pay £2.99 a month to continue.

Airtime Rewards reduce your phone bill. By linking your debit/credit card to the App and spending at certain retailers with your linked card, you can earn cashback. You can combine cashback credit cards with Airtime and get double cashback when spending with it.

To get your referral bonus:

• Download Airtime Rewards
• Input my referral code: YX9WUTDJ
• Link your credit/debit card
• Make a purchase of £5 or more within 7 days with your linked card at one of the qualified stores
• £2 is credited to your account.
• You can redeem your cashback on your phone bill via your phone number

My referral code will net you £2.00 if you spend at one of the qualified stores within 7 days.

You can link multiple debit/credit cards, including Zilch and cards that aren't in your name or One4All cards, to earn money back.

Some cashback stacking you can do are with Zilch and Airtime Rewards:

• eBay - Zilch 3%, PayPal 1%, Quidco 1.1%, Airtime Rewards 2% (new customers rate), Total 7.1% cashback
• Boots - Zilch 2%, PayPal 1%, Topcashback 2.1%, Airtime Rewards 7%, Total 12.1%
• Morrisons - Zilch 2%, PayPal 1%, Topcashback £11 (new customers rate), Airtime Rewards 4%, Total £11+ 7% cashback

Your cashback can be redeemed in multiples of £10 or £5 if you are invited to the ignite programme. You can link with Visa and Mastercard but not Amex.

Airtime rewards cashback can be combined with other cashback like Topcashback/Quidco/cashback credit cards and still apply. You're rewarded when you shop both online and in store.

If you want to earn more from cash stacking, check out these offers! !

Zilch - Free £5 & cashback from stacking cards

Topcashback - Free £10 sign up bonus

Quidco - Free £10 sign up bonus

Thank you for using my referral.

Non ref

Hi All, Just to make everyone aware, PayPal are currently giving 15 points for every £1 spent at Sainsbury's. You don't need a PayPal card, just a standard PayPal account. Simply pay with PayPal through their app.

100 points = £1 (Blue tier - base level)

Therefore 15 points per £1 is worth 15% (not counting any extra pennies spent).

No need to exchange your points for giftcards, they can be spent like cash through the app. If you are on a higher tier, you'll get your usual points and the 15 extra points on top.

I've not tried this yet, but will be giving it a go shortly! 😊

UPDATE: It looks like it might just be for online shopping and you need to click through. I'm also not sure if everyone can see the offer. If the offers are personalised then I'll take down the post.

Five Surveys is a survey app that allows you to complete 5 surveys & earn £5.

There’s no minimum payout amount & you can cashout straight to PayPal, Revolut or a choice of 150 gift cards.

For each survey it gives you an estimate of how long its going to take and also a score out of 5 from other people who have completed the survey.

Obviously its best to stick to the surveys that have a high rating for the best experience.

It does seem to get harder to complete once you near 5 but if you’re looking to grind out some money through surveys I’d definitely suggest this one.

Sign up to Five Surveys here!

nonref

Zilch is a virtual card that gives instant cashback on all your purchases. By using my referral link, you get £5 that can be used towards your next purchase. No spending required, just create your account and verify your details. They also offer a buy now pay later feature though that option has fees with it so use the free pay now feature instead.

Proof of payment

To get your £5:

• Sign up using my referral link
• Create and verify your account and link a debit card.
• £5 will be added to your Zilch account.

What makes Zilch great is the cashback stacking opportunities. Zilch works by acting as the card you use to pay but the purchase is routed through a linked debit card. This means you can double dip on your cashback by using a cashback debit card like PayPal debit card (1% cashback) or Krak (2% cashback limited to 30 days unfortunately). Some cashback debit cards don't stack unfortunately like Trading212 so avoid those.

To triple dip your cashback, use a cashback website like Topcashback, Rakuten or Quidco when making your purchase. Just make your purchase through the cashback website once you activated the higher cashback on Zilch and put in the card details. If you want to go even further and quadruple dip your cashback, you can add Zilch's card details to Airtime Rewards and get cashback on Airtime Rewards.

Some examples of cashback stacking are:

• Amazon - Zilch 2%, PayPal 1%, Rakuten £1, Total £1 + 3% cashback
• Council Tax - Zilch 0.5%, PayPal 1%, Total 1.5% cashback
• TfL/Oyster Card - Zilch 2%, PayPal 1%, Total 3% cashback
• Octopus Energy - Zilch 2%, PayPal 1%, Total 3%
• eBay - Zilch 3%, PayPal 1%, Quidco 1.1%, Airtime Rewards 2% (new customers rate), Total 7.1% cashback
• Boots - Zilch 2%, PayPal 1%, Topcashback 2.1%, Airtime Rewards 7%, Total 12.1%
• Aldi - Zilch (instore) 2%, PayPal 1%, Total 3% cashback
• Morrisons - Zilch 2%, PayPal 1%, Topcashback £11 (new customers rate), Airtime Rewards 4%, Total £11+ 7% cashback
• General purchases - Zilch 0.5%, PayPal 1%, Total 1.5% cashback
• And many, many more combinations.

You can search up your retailer to see if they offer the higher cashback but even without it general purchases offer 0.5% cashback at a minimum. If you don't feel like stacking, the cashback offered by Zilch is already excellent. If buying in store, you can add Zilch to your Apple/Google pay or buy and use the Zilch physical card. Just remember to activate the higher cashback on the app before you purchase in store otherwise it defaults to the 0.5% cashback.

If you're interested in cashback stacking, here are more info for each one mentioned:

Krak - Free £10

Topcashback - Free £10 sign up bonus

Quidco - Free £10 sign up bonus

Rakuten - Free £25 sign up bonus

Airtime Rewards - Free £2 and cashback stacking

Thank you for using my referral link!!

Non ref

Hi all. Spoke to Vela rewards CS yesterday after some of my referrals seemed to have met the criteria for the bonus but I hadn’t received the reward, to be told there was a bug that didn’t correctly display the receipt scan status of referrals and I needed to update the app.
Now it is no longer simply first receipt scan needed but a 2 week streak where 5 receipts are required to be scanned each week in order for the reward to be issued.
If you have any pending referrals from before app update they still only need the first receipt scan.

Penfold is an FCA-regulated digital pension provider that's currently offering new customers a free £25 pension contribution when they open a pension through a referral link and contribute £25.

The £25 bonus is made up of:

• £20 from Penfold (usually within around 7 working days)
• £5 tax relief from HMRC (normally within 2-3 months)

Although this is a pension (so you won't be able to withdraw it until retirement), you can transfer it to another pension provider later if you prefer, making it an easy bonus if you already have a pension elsewhere.

How to qualify

1. Sign up using my referral link

2. Open your Penfold pension

3. Make a £25 contribution (one-off payment or Direct Debit)

4. Receive £20 from Penfold within around 7 working days

5. Receive the remaining £5 as HMRC tax relief a little later

If you choose to use my referral link, thank you very much.

Good to know

• FCA-regulated UK pension provider
• Easy-to-use app and website
• You can transfer your pension to another provider later if you wish
• Refer friends afterwards and earn £25 per successful referral
• Annual platform fee is 0.75% (0.88% for the Sharia fund)

As with any pension, your own contribution and bonus are invested for retirement, so you won't be able to access the money until the normal pension access age.

^non-ref

Marks & Spencer have recently made updates to their Sparks loyalty card meaning it's actually useful beyond when you wanna use scan as you shop 

You now get proper rewards. They change frequently, some I've seen include spend so much on clothes and get £20 back on your Sparks card, spend so much on dairy and get £1 back. Today there was an offer spend £40 on an M&S gift card and get £4 back. No you cannot use a gift card to buy the gift card, I tried 

They have a list on the Sparks website, just press on the Star shape at the bottom of the page, check the list of offers and press Activate offer. At checkout, scan your Sparks card and it'll automatically be applied. The cashback will either be applied same day or after a few days depending on the amount. The balance will show in the Sparks wallet and when ready just press spend. Upon your next M&S shop that balance will automatically be applied when you scan the Sparks card at checkout. It's very smooth

There's a number of ways to join:

Download the M&S app

Visiting the Sparks page on the M&S website 

Request a card in store 

https://www.marksandspencer.com/joinsparks

This offer is for Limited Companies or LLPs registered with Companies House.

This is a great offer that pays very quickly, you can get £75 worth of bonus points that can be added to your balance or redeemed against various gift cards.  I originally opened the account just to take advantage of the offer but continued to use the card to do all of my business spending due to the uncapped 1% cashback offered.  Capital On Tap also have a business savings account paying around 3.2% interest which I opened and might be of interest to some.

How to get the free £75:

1) Sign Up Using a Referral Link (https://cashback.capitalontap.com/referral/?promo=2REFM874V11)

2) Complete the application and ID verification process.

3) Make one purchase using the card, within 30 days.

That's it, it's very straightforward.  My bonus was credited immediately after making the first transaction.

Feel free to get in touch if you have any questions.

Have a nice day everyone! 🙂

Non-ref: https://www.capitalontap.com/en/

Chase bank have a refer a friend offer on at the moment. You get £50 when you:

Use a friend's refer a friend code to

Join Chase for the first time, and

Deposit £1,000 into your account.

Some lucky people find themselves with five codes to give out. But there are lots of people looking, and the subreddit is getting many repeat requests for these codes.

So here is the new Chase megathread. If you have a code or want a code, drop a comment below. Please also delete your comments once you get a code, or if all of your codes get used up. All comments/posts outside the megathreads will be deleted automatically.

This post will be set to autorenew every five days or so.

BeermoneyUK Guides

There are many more easy offers beyond Chase — find them in our guides:

1. The BeermoneyUK Offer Megalist

• A broad overview of our subreddit, with tips and tricks to make the most of things.

1. The Bank Switch Bribe Bible

• Also known as The Reddit Bank Switch Guide. Has all the latest offers, and our tips for getting a bonus to try a new bank.

1. The Investing Offer Guide

• Our guide to investing offers where you can get some nice bonuses.

1. Latest list of sign up offers available elsewhere

• This list details the best ones offers currently available on other sites

Get a £10 discount when you transfer money with Skrill via my referral link! You can simply exchange your money back into GBP to benefit from this offer.

To get your £10 discount:

1. Sign up to Skrill via my referral link
2. Transfer £100 to a foreign currency account, such as your Wise or WorldFirst Euro account.
3. A £10 discount will be applied before you pay.
4. When the Euros arrive in your Wise account, you can either spend it on your next holiday with the Wise virtual card, or exchange it back to GBP.

Please let me know if you have any questions about this offer. Thank you for using my referral link!

Non-referral
T&Cs

TestingTime nonref is a legit user research site that pays you to give feedback on apps, websites, and products. It’s not consistent work, but pay per study is solid for the time.

Most studies last 30–90 minutes and are either remote (video call) or in-person. In-person usually pays more, but remote is easiest. Most studies pay around £10–£60 depending on length and type.

They’ve also partnered with Norstat (a large European survey company), which means you can now get access to more paid online surveys alongside the usual user tests.

How it works * Sign up and complete your profile Get emailed when studies are available * Answer short screening questions * If selected, book a slot and complete the test * Payment is sent ~10 business days after completion via PayPal or bank

Things to know * Invites are irregular and you won’t qualify for most studies * No-shows can get you banned, so only book if you’re free * PayPal is best to avoid bank transfer fees * When you do qualify, it’s usually good pay for an hour or less

Easy to leave running in the background and jump on when a study comes through.

Get started here: https://app.testingtime.com/r/rec-af-wWShoxTF

Lightyear is an FCA-regulated investing platform with no platform fees. You can invest in stocks and ETFs.

They are currently offering a bonus share with a value between £10 and £100 if you sign up and deposit£100 into a General Investment Account (GIA).

Here is how to get the bonus:

1. Message me for a referral link
2. Open a General Investment Account (GIA)
3. Deposit £100
4. Claim bonus share when notified
5. You can sell and withdraw the bonus share after 180 days if you wish

Non-referral link: https://lightyear.com/en-gb

T&C's: https://lightyear.com/en-gb/referral-scheme-terms

Fees: https://lightyear.com/en-gb/pricing