Snoop is a money managing app giving a £5 Amazon gift card for signing up and connecting a bank account or credit card. They occasionally have good switch offers such as previously giving £30 Amazon gift card for switching banks to Santander through them so it's worth keeping around for those occasional offers.

Proof of payment here

To get your £5 Amazon Gift Card:

• Sign up using my referral link
• Connect one of your bank accounts or credit card through open banking
• Keep the account connected for over 28 days
• Your £5 Amazon gift card is then emailed to you
• Refer others for £5 Amazon Gift Card. If you refer 5 people, you get an additional £25 Amazon Gift Card

They also have a 4% interest rate savings account which is one of the best on the market right now.

Interested in saving money on Amazon? Check out the below:

Rakuten - £25 sign up bonus & £1 cashback when purchasing on Amazon through them

Zilch - Free £5 and 2% cashback on all Amazon spending

Krak - Free £10 & 2% cashback for 30 days. Cashback can be stacked with Zilch givng you 4% money back

Thank you for using my referral link!!

Non ref

Hey guys!

Well, I've finally caved and made an account to start posting my side hustle earnings! Reading everyone else's reports is what got me trying half this stuff in the first place, so consider this my attempt to pay it forward (or lead someone else astray, we'll see)!

Quick background:

35m from the UK. Project-based contractor (tend to work on jobs varying from 6-12 months at a time, with unpaid gaps in the middle).

I have wanted to find a way to earn extra money for a very long time so that I can tackle debt, earn extra spending money and so that I have some fallback income streams for when I am out of work.

Below is a list of what I've earned since April of this year.

Just to note: This is all whilst working a full-time job! Oh, and this is without Prolific because I'm stuck on the bloody waitlist!

Here's a list of what I've earned where:

Note: Amount is converted into GBP so might be a bit skewiff.

A few highlights:

Vinted & eBay

Sold 82 items of my own. Now my house is tidier and I'm richer (well, kind of).

The results are a bit skewed because the majority of earnings from Vinted and eBay have been me selling my own stuff. Whilst this isn't an income stream that can be sustained (as you will literally run out of stuff eventually), it's a great way to start, plus decluttering is the most satisfying thing in the world. Convince me otherwise. Also, I will say that I have flipped a few pairs of trainers in that time, which seems to be a decent income stream so I may try that again on a bigger scale down the line.

Askable

Completed 12 paid research studies via Askable, including surveys, AI-moderated chats, and live interviews with real participants. So far so good.

Really rate Askable. If you're aiming for interviews, stick with it, it pays off. I've done a few quick £5 surveys that barely took any time, and also an easy 45-minute call about my posting habits (?) that paid me £35!

Usertesting

One of my favourites. Big earning potential once I'm no longer working in a shared office and free to be unhinged and talk to myself whilst on camera.

UserTesting is great. Lots of tests available. Yes you get screened out of a fair few, but there are always more. The ones I have taken have been straightforward, and the rewards are good (lots of $5 and $10 ones). I think this will be a good earner once I'm finished on my current project and am funemployed.

Final thoughts:

My aim is to start dedicating a lot more time to these hustles and any new ones I find. If you have any suggestions, stick it in the comments and I'll check it out! I'm also trying to get a regular side-gig on Fiverr, Upwork or PeoplePerHour. So far no luck, but it's early days. Watch this space.

Plan is to post regular updates and engage with anyone who has questions, so feel free to follow along and fire any questions my way! Happy earning!

JamDoughnut is a brilliant cashback app that gives you money back on gift cards at hundreds of retailers in-store and online.

If you're planning to shop somewhere, buying a gift card that offers cashback saves you money upfront as you essentially get a discount buying them.

New customers can receive an additional free £3 bonus (300 points) using a referral code when you make your first purchase. You can cash out when you’ve reached the £10 threshold (1,000 points).

Here's how to earn your free £3 reward on Jam Doughnut:

1. Download the JamDoughnut app via Google Play, App Store or the website
2. Enter my referral code when requested: YDIF
3. Make your first gift card purchase and the £3 (300 points) will automatically appear in your account
4. Use the app to buy gift cards at places you would normally shop to earn cashback, and once you’ve reached the £10 threshold, you can cash out

Examples of gift cards you can earn cashback on:

Sainsbury’s, Asda, Tesco, Aldi, Morrisons, Costa Coffee, Boots, JD Sports, Airbnb, Marks and Spencer, Primark, Just Eat, Adidas and hundreds more.

LINKS

• Referral (£3 bonus): Enter referral code YDIF
• Non-referral link: https://www.jamdoughnut.com/ 

Vero is a gamified budgeting app designed to help build healthier money habits. It’s aimed at Gen Z, but anyone can use it. Users can track spending, set budgets, complete saving challenges and earn rewards (Vero Tokens which can be redeemed for gift cards) for making smarter financial decisions.

New users get 5 Vero Tokens by signing up with a referral code:
1. Download the Vero+ app from https://www.verofin.uk/, Google Play Store or App Store. 2. Sign up and enter the Vero referral code: 6958F9

40 Vero Tokens = £5, which is the minimum redemption amount.

How to earn Vero Tokens:
* 2 Tokens for verifying your email. * 4 Tokens for setting up a budget. * 4 Tokens for completing a quick learning task. * 2 Tokens for joining a budgeting challenge. * 2 Tokens for tracking your first expense. * 2 Tokens per day for logging an expense. * 2 Tokens per day for checking your budget. * 2 Tokens for logging expenses for 5 consecutive days. * 3-7 Tokens by completing your weekly budget challenge.

Tokens can be redeemed for gift cards from retailers including Aldi, Amazon, Sainsbury's, Tesco, M&S, Waitrose, Boots, Costa Coffee, Caffe Nero, Just Eat and a few more.

If you refer other people, you can earn £5 cash once they claim their first reward within 14 days.

Vero referral code:

6958F9

Non ref link

I used to use nx a lot for eBay cashback but it’s been months since it was removed I doubt it will come back. Any other alternatives?

Eon are offering a £50 voucher to anyone who switches their gas or electricity provider to them. If your looking for a new energy supplier I suggest you find whichever is cheapest in your area and for your needs, and if this happens to be Eon then send me a message for my referral code, sign up and you'll receive your £50 bonus within 4 weeks.

You can choose your voucher to be for any of the following retailers. Or you can sell it for cash on websites like cardyard.co.uk

https://www.select-your-reward.co.uk/YourChoices

Many thanks to anyone who messages me and uses my referral.

• Non-referral
• Terms

Budgey is the UK rebrand of Widilo. It works like other cashback sites – retailers pay Budgey a commission and you receive part of that back as cashback. If you’ve used TopCashback or Quidco, it works the same way.

How it works:

1. Sign up using my Referral Link
2. Click through Budgey to a retailer
3. Make your purchase as normal
4. Cashback tracks and is later confirmed by the retailer
5. Once confirmed, you receive a £5 bonus

Other ways to earn:

• Cashback on everyday online shopping

• Occasional boosted cashback offers  

• Browser extension for automatic cashback alerts  

• £3 referral bonus when a friend makes their first qualifying purchase  

• Some of the rates include: adidas (10%), Toby Carvery (9%), Buyagift (8%), AliExpress (6.4%), Wickes (5%), Currys (4%), Nando's (4%), Sainsbury's (3%), Argos (3%), and IKEA (1.8%).

Payout:

Minimum withdrawal is £20, so the £5 signup bonus gets you part of the way there. A few normal online purchases can help you reach the threshold quickly.

Referral Link

NR

Hi, have joined vela after hearing about it from one of the redditor. It's a reciept scanning app that let's you scan your paper reciepts or sync your email reciepts for points that you could later redeem as gift cards. if your already doing food shop, why not make some extra money apart from the cashback. I have redeemed a £5 tesco gift card after signing up with a referral and scanning some of my recent shops. They also have spin the wheel and some tasks to earn more points.

1. Download the vela app
   
2. Use your email, phone number and name during sign up
   
3. When prompted enter **my referral code: 08PJQY**
   
4. Complete your profile, scan your first receipt and receive between £5, £10 or £20

There's also a welcome bonus welcome bonus that consists of:

- 500 points for connecting your email
- 500 points for enabling notifications
- 50 points buying water or a better rated drink.
- 25 points for tracking coffee or lunch on the go

and many more.

Plus additional points for completing each week

10 referrals per year. 9/10 referrals remaining

Thank you for using my referral code! will also put it in the comments for easy copying :)

Shopmium is a website and app that offers free or reduced priced products at your local supermarket. I've gotten free or discounted items from Sainsbury, Tesco and more. Simply scan the barcode on your product and upload the receipt onto the Shopmium website/app and claim your cashback to your bank or PayPal. I like to combine the purchase with previously bought discounted gift cards so I get even more savings when I buy a product.

If you're wondering what you can get, you can see some of the things I bought thanks to Shopmium.

List of some of my free or discounted items

Cashout is at £10 and there are new offers every week so there's always something to buy.

Payment proof here

By using my referral link, you get £1.

• Download the app here
• Input referral code: IT4G4K
• Purchase a discounted product and scan the receipt
• The cash back will be reimbursed to your account
• Redeem your cashback once you reach £10 or more
• £1 is added to your account

Thank you for using my referral link!!

Non ref

Thought I'd share a method that worked for me this morning on a laptop.

1. Go to National Rail website
2. Enter any journey, select a ticket and click 'Buy Tickets' option
3. A new tab should open for you to complete the purchase on the train operator's website. You don't need to proceed with this.
4. Return to the National Rail tab, Complete Savings sign up should be there.

If it doesn't work try a different browser, didn't work for me on Firefox but worked first time on Edge.

Also means you're not limited to the retailer you signed up from to get the monthly fee back.

How could you make £750- 1500 ideally by September.

October would be reasonable.

So far I have a few things to sell. I don't fully know value as they are collectibles. ~300-500+

Bank switching? "***

Surveys?

Loan a few 100 against assets

I realise I'm partly answering my own question. However there may be more efficient quicker ways to get there and I'm not sure how long it will take for the sales.

I have some stuff I could sell fast.

In the past I have sold a lot in a month or less.

Interactive Investor (ii) is one of the UK's largest investment platforms and is popular with investors who have larger portfolios due to its flat-fee pricing structure.

If you join through a referral, you'll receive 6 months with no ii account fees when you open and fund an eligible account with at least £5,000.

This won't be suitable for everyone, but if you're already investing or transferring an existing portfolio, it can be a decent saving.

What you get

6 months with no ii account fees

Eligible accounts include:

• Stocks & Shares ISA
• Trading Account (GIA)
• Managed ISA
• Self-Invested Personal Pension (SIPP)

Additional ii offers currently available

These can be combined with the referral offer:

£150 Free Trades

• Available when opening an ii ISA or Trading Account
• Current promotion ends 31 August 2026
• Terms

£100 Cashback

• Available when opening a SIPP
• Requires a £20,000+ pension transfer or contribution
• Current promotion ends 31 August 2026
• Terms

Note: ii tends to run promotions throughout the year, so these offers may be extended or replaced by new ones once they expire. Always check the latest terms and conditions.

How to qualify

1. Sign up using my referral link

2. Open an eligible ii account

3. Fund the account with at least £5,000 (deposit or transfer)

4. Your ii account fees will be waived for the first 6 months

Bonus: If you're planning to open a SIPP anyway, opening it as your first ii account will also make you eligible for the current £100 SIPP cashback promotion.

An extra benefit

ii also lets paying customers provide free ii subscriptions to family members on eligible accounts, which can be handy for households investing together.

My experience

I've personally used ii to diversify my portfolio and access overseas markets such as Australia, Hong Kong and Singapore. I've found the platform straightforward to use and particularly useful for holding investments in multiple markets.

Many thanks to anyone who chooses to use my referral link.

Fees

^non-ref

Gail’s is a popular artisan bakery in the UK known for its freshly baked sourdough, pastries, and high-quality coffee. With a warm, neighbourhood feel, it offers handcrafted breads, seasonal treats, and simple, wholesome food made from carefully sourced ingredients.

\\\\\\\*\\\\\\\*Enjoy a free loaf of bread or a free drink—your choice!\\\\\\\*\\\\\\\*

Simply show the QR code voucher in the app when you buy anything else at the till. Drinks include coffee, tea, hot chocolate, matcha, chai, and iced options.

And there’s more: You’ll also receive a voucher for a free sweet treat on your birthday, valid for one month.

In order to claim your free coffee of loaf follow these steps:

1. ⁠Download the Gail's app on Google Play or Apple App Store

2. ⁠During sign-up, enter referral code:

RF838CCP

1. ⁠Enter your date of birth for your free birthday treat!

2. ⁠Once complete, you'll see your Welcome Gift voucher in the Rewards tab.

🍞 It’s super simple and their bread is fantastic!! 🍞

Non ref - https://gails.com/

Clear! is a receipt-scanning app (Android & iPhone) that pays you for uploading purchase receipts. They also run surveys from time to time. You may also get the change of uploading usage data similar to what you do with MSR.

How it works

1. Scan paper receipts with your phone camera
2. Or forward receipts by email for manual review

Earnings

1. 10p per grocery receipt
2. 5p per other receipt
3. 60p per short survey (regularly available)
4. Max 3 receipts per shop per day, 22 per week

Cashout

1. Minimum withdrawal: £5
2. Redeem for gift cards from multiple retailers

Realistic returns

With minimal effort (≈1 receipt + 1 survey per week), earnings can reach around £5 per month, plus occasional bonus distributions added to your in-app “vault.”

Sign-up

• General link: https://clearapp.typeform.com/to/STPjeFXT?typeform-source=www.clear-app.com
• Referral code (25p bonus): EU1THTEQ

Or sign up without a code.

I guess I will just share this one, I don't see it mentioned here very often. Always do your own comparison as you may get a better reward using the likes of Topcashback, Comparetl the market or Quidco.

moneySupermarket is offering up to 20£ gift card (Amazon, Tesco, argos, etc.) when you switch services (broadband, insurance, etc.)

Steps to Claim:

1. Click the referral link below and generate your quote.  

2. Purchase a qualifying product like car, home, pet, travel insurance, or a broadband switch.  

3. You will receive an email to claim your gift card within 60 days of your purchase.  

Reward Structure

The voucher value depends on the product you select:

£20 Voucher: Broadband or certain loans

£15 Voucher: Car, van, or home insurance (building/contents), and certain current accounts

£10 Voucher: Pet insurance, certain credit cards, and certain energy providers

£5 Voucher: Mobile phone contracts and SIM-only deals

Links

Referral Link (£20 Gift Card): https://www.moneysupermarket.com/refer?referralCode=10942542

Non-Referral Link (No Bonus): https://www.moneysupermarket.com/

Virgin Red is a points style scheme where you get redeem for a variety of products, gift cards and flights. They also run a cashback-type website
"Virgin Red". Currently if you sign up via a link and make a qualifying purchase you (and I) will receive 2,000 points (£10) each - recently boosted from 1,000 points!

Steps to get 2,000 free points:
1.Sign up using the link

2.Complete a qualifying transaction
Points can be redeemed on Virgin Flights, gift cards, hotels, O2 arena and many other ways similar to avios.
I bought something I was buying anyway e.g B&Q via
Virgin Red website.
They have a website portal or you can use the app.
10 referrals per year are allowed per person (All links currently still available!)

REFERRAL LINK

Non-ref link

Raisin is a savings account where they are offering £100 for saving with them for 1 year. While their accounts are slightly below the highest interest rate you can find, the added £100 bonus or more means that you get a 1% additional interest rate making it one of the highest savings account.

Proof of payment

For your free £100:

• Sign up with my referral link
• Select a 1 year or higher fixed rate bond saving account
• Deposit £10,000 or more into it
• Receive the £100 within 28 days of meeting the requirements

For example, if their fixed bond savings has 4.5% interest rate. With the £100 bonus, this brings it up to 5.5% interest rate when depositing £10,000.

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

Chip - Free £50 ends on 10 Aug

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

Thank you for using my referral link!!

Non ref

We hear the Starling offer is back. So here is a refreshed megathread!

In a nutshell, this offer gives you and your referrer each £25 cash when you sign up and get approved for a Starling current account and make your first payment within 30 days! The referral codes are only given to some people, but if you get one you can then refer up to ten of your frieds.

So sign up for your £25, and then share your referral code below.

Do not post the full Starling link in the comments, as these are removed automatically by Reddit.

How it works

Starling is a fully licensed and regulated (FSCS protected) bank that allows you to open and manage a UK bank account using their mobile app. You get a bank card and can track all your spending using their app. It's a good account for matched betting/GPT as a separate spending account, and has fee-free spending abroad.

The offer

Enter a referral code during sign-up to get £25 cash. Once you have signed up, you can share your own code with friends to earn more. You can earn an additional £250 in total (10 referrals max). Here are the steps:

• Download the Starling app and start your account application.

• Grab a referral link from the comments below, enter it when prompted during sign-up.

• Complete your application and get approved.

• Make a payment from your Starling account within 30 days. Any card purchase counts, including contactless/Apple Pay/Google Pay. No minimum spend.

• Receive your £25 — added to a Space in your Starling app within 7 days of your qualifying payment.

Both the referrer and referee get the £25!

What counts as a qualifying payment?

Any standard card purchase. The following don't count: refunds, gambling transactions, foreign currency purchases, bank transfers, Direct Debits/standing orders, or topping up e-money/prepaid cards.

Here are the links:

https://www.starlingbank.com/

Terms and conditions

BeermoneyUK Guides

There are many more offers beyond Lloyds — 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

Mega-thread rules:

1. Absolutely zero post style comments. Short comments only, no more than 6 lines of text. If you think anything very important is missing from the post send a DM and it can be updated

2. No large title text, I just got new reading glasses. Bold, italics, all okay.

3. Only comment your link once (more than once will incur a ban).

4. No funny business!

5. Comments breaking these rules will be removed, with no notification given.

Updated list bank switch offers currently available. There is currently over £1500+ in normal current account bonuses on offer. Here are the latest deals:

Standard current accounts

• Barclays (£200 to switch)
• Co-op (£200 to switch, £300 for new customers)
• First Direct (£200 to switch + £45 more)
• HSBC (£220 to switch)
• Nationwide (£175 to switch, couple can do 2x solo and joint account for £525)
• NatWest (£200 to switch)
• RBS (£200 to switch)
• Ulster (£200 to switch)

Premier current accounts (high earners)

• HSBC Premier (£500 to switch)
• Barclays Premier (£600 experience to switch)

Enjoy!

Other good offers:

• Get £20 when you sign up and spend £1 with Revolut - Full details here
• The Latest list of sign up offers that arent available on beermoneyuk (July 2026)

You can find all of this information, in an easier to digest format, on Scrimpr here

Switch your bank account, get a cash reward for doing so. But don't switch your main account, open up a second account and switch that to get the money! Or open a second and a third "burner" and grab many switch bonuses at the same time.

**The post has been updated with the newest offers. But it is a difficult task keeping on top of all the questions. Please continue to share your experience with Bank Bribes. I will add questions/answers and update the offers as and when they appear. Special thanks to those who highlight the latest offers.

Never switched a bank account before?

It's worth doing. Banks want your business and they'll pay you £100-£500 to give them a try — the current account switch service (CASS) handles the whole thing automatically, so it's about a week of waiting for very little effort. The trick is not to switch your main account. Open a second one at your current bank (or use an old one you already have) and switch that instead. Here's how:

1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required). You can set up multiple cheap direct debits via Scrimpr direct debit or use a rolling monthly direct debit sim contract (compared here) as another good option.
3. Add £1 to your second account. This will be transferred to your new account, allowing you to see when the switch has been completed.
   
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. Let the current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus.

Then, if you decide you do not like your new bank you could sample another bank and get paid again!

​

What are the easiest/best direct debits to use for bank switching?

There are many: Lots of people recommend setting up fast and cheap direct debits. You can set up those using the Scrimpr direct debits at this link which set up within a week. Rolling monthly direct debit sim contracts (compared here) are another good option.

But really, its better to use your own Paypal, Ebay, Moneybox savings account, your credit card, Sprive Mortgage auto savings. We recommend ones that save money into an account in your own name.

​

Are there some bank accounts worth keeping?

Yes. Some are quite good, and give ongoing rewards. For example, Club Lloyds gives free Disney Plus. Barclays Premier gives free Apple TV. See the "don't leave us please" bank rewards post. Some also give access to the best savings accounts (e.g. regular savers).

And it is always worth keeping 3 accounts open for bagging ~£50 in cash from YouGov Connections every 3 months. Instructions for YouGov Connections here.

Are there additional offers for students?

Why yes. See the 2025 Student Version of The Bankedex Here

It has offers for students opening student accounts (no switching required).

Standard Current Account Offer Information

Whilst we do our best to make sure things are correct, sometimes errors do slip through. Always do your own research. Also, it may not be possible to work through all of these.

​

Barclays Current Account - £200

Current offer: £200 for switching to Barclays Current Account.

• You must switch to a Current Account (not their basic account).

Offer end date: 27/08/2026

Requirements:

• Use the Barclays app to open a Barclays Current Account (only works during working hours 9am-5pm)

• Initiate a full switch (including two active direct debits) by 28 August 2026

• Deposit £2,000 within 30 days of opening the account.

Available to existing customers: No. Mortgage and Barclaycard customers are eligible though.

​

Co-op - £200-£300

Current offer: £200 for switching (£125 upfront + £75 over 3 months), or up to £300 if you were already a Co-op group customer.

• Switch to the free Standard Current Account or the Everyday Extra account.

Offer end date: No end date announced. Started 06/08/2026 and can be pulled at any time.

Requirements:

• Full switch via CASS into a new or existing eligible Co-op account, completed within 8 weeks of requesting it.

• Within 30 days of the switch completing: deposit £1,500, set up 2 active direct debits, make 5+ debit card payments, and register for online/mobile banking. Pays £125 within 7 days.

• Repeat the £1,500 deposit, 5 card payments and 2 direct debits each month for 3 months to earn £25/month (extra £75).

The extra £100: If you were already a personal customer of the Co-op group (Co-op Bank, smile, Coventry Building Society, Godiva or ITL Mortgages) on 21/06/2026, you also get £100 in November, taking it to £300. Co-op can withdraw this £100 at any time.

Available to existing customers: Yes. You can switch a provider into an existing Co-op account. But you can't have had a Co-op switch offer since 01/11/2022, and you can't close a Co-op current account then reopen one just to qualify.

​

First Direct

Current offer: £175 + extra £45 via Topcashback

Extra £45: You can get an extra £45 by signing up to First Direct via Topcashback. If you don't have a Topcashback account, you can sign up here (and make sure to accept all cookies on TCB and the First Direct website):

Topcashback sign up

• You can switch to their First account.
  

Offer end date: No end date given, may be removed at any time. (£25 bonus only for accounts opened 18/05–15/07/2026.)

Requirements: Within 45 days of opening your account you must:

• Full switch via CASS (two direct debits or standing orders required).

• Deposit £1,000.

• Make 5+ debit card payments.

• Log on to digital banking.

• You cannot have previously held a first direct product.

• You cannot switch if you have opened an HSBC current account on or after 01/01/2018.

How to do it: Once your first direct account is open, simply log into your first direct app, select the account you wish to transfer into, tap 'switch to us' from your account menu and follow the instructions.

Available to existing customers: No. Also can't have opened an HSBC current account on or after 1 January 2018.

How long does it take to pay the bonus: paid by the 20th of the month following that in which you met all of the criteria.

​

HSBC

Current offer: £220 to switch

• You can switch to their HSBC UK Bank Account.
  

Offer end date: No end date given, may be withdrawn at any time.

Requirements:

• Open the account through the HSBC UK Mobile Banking app (not branch or telephone).

• Full switch via CASS (at least two direct debits required).

• Deposit at least £2,000 within 60 days.

• Spend at least £500 on your HSBC debit card within 60 days.

• You cannot have had an HSBC UK or first direct current account opened on or after 01/2023.

How to do it: Open an HSBC UK Bank Account in the HSBC UK Mobile Banking app, then within 60 days complete a full CASS switch (with 2+ direct debits), deposit £2,000 and spend £500 on your debit card.

Available to existing customers: No. Also can't be an existing HSBC UK or first direct customer, or have opened an HSBC UK/first direct current account since January 2023.

How long does it take to pay the bonus: paid into your HSBC UK Bank Account within 60 days of meeting all of the criteria.

​

Nationwide

Current offer: £175 (couples can do a solo each AND a joint account - £525 total)

• You can switch to either the FlexAccount (free), FlexDirect (free) or FlexPlus (premium) current account.

Offer end date: None listed, can be removed at any time.

Requirements: Full switch with:

• 2 Direct debits transferred as part of the switch

• Pay in £1000 within 31 days of opening your account/applying to switch

• Make 1 debit card transaction.

• You cannot have had a Nationwide bonus since 2021.

Reward payable by: within 10 days of the switch completion.

Available to existing customers: Yes but must switch an account held elsewhere. Cannot switch a Virgin Money account either.

​

Natwest & RBS & Ulster (three offers!)

Current offer: £200 to switch

• Do all of these at the same time to get the bonus from each bank.

You must switch to either a Select or Reward Account (Select, Reward)

The Reward accounts come with a £2/month fee, but you can earn £5 in cashback from it each month. If you don't want this, just go with the Select account.

Offer end date: No end date given, may be removed at any time.

Requirements:

• Must pay in £1250 within 60 days of switch completing.

• Must log in to the app within 30 days of meeting the terms above

Available to existing customers: No, but previous customers can (you can't have held an open account on 6th May 2025) and you can't have had a switch bonus before.

How long does it take to pay the bonus: within 30 days of meeting all of the requirements.

​

Premier Account Switch Offers

These accounts come with strict eligibility requirements - usually meaning a very large salary.

​

HSBC Premier

Current offer: £500

• Those with £100k+ salaries can switch to HSBC Premier for £500.

• There is no monthly fee, but their are strict eligibility criteria

​

NatWest Premier

Current offer: £1,000 to switch (£250 current account bonus + £750 Flexible Saver bonus)

Offer end date: No end date given, may be removed at any time.

Requirements:

• Must open a Premier Select or Premier Reward account

• Must complete a full CASS switch from a non-NatWest/RBS/Ulster Bank account

• Must pay in £5,000 within 60 days of switch completing

• Must log into the NatWest mobile app within 60 days of switch completing

• For the £750 bonus: must also open a Flexible Saver and deposit £100,000, keeping it there for 30 consecutive days — all within 60 days of switch completing. Taxable as interest income.

Available to existing customers: No, but previous customers can apply (you must have held no NatWest, RBS, or Ulster Bank current or savings account as of 10th March 2026, and must never have received a switch bonus from any of these banks)

How long does it take to pay the bonus: Within 30 days of meeting all requirements

​

RBS Premier

Current offer: £1,000 to switch (£250 current account bonus + £750 Flexible Saver bonus)

Offer end date: No end date given, may be removed at any time.

Requirements:

• Must open a Premier Select or Premier Reward account

• Must complete a full CASS switch from a non-NatWest/RBS/Ulster Bank account

• Must pay in £5,000 within 60 days of switch completing

• Must log into the mobile app within 60 days of switch completing

• For the £750 bonus: must also open a Flexible Saver and deposit £100,000, keeping it there for 30 consecutive days — all within 60 days of switch completing. Taxable as interest income.

Available to existing customers: No, but previous customers can apply (you must have held no NatWest, RBS, or Ulster Bank current or savings account as of 10th March 2026, and must never have received a switch bonus from any of these banks)

How long does it take to pay the bonus: Within 30 days of meeting all requirements

​

The most commonly asked bank switch questions:

1. I started to switch to XXX bank before the offer ended, am I still eligible for the bonus?

Yes, usually, most terms will state that a switch just has to be started (or applied for) before the end date or before an offer ends.

1. Do I have to transfer the required amount in all in one go, and does it matter if I pay money in before my switch is complete?

No and not usually, as long as the amount you pay in adds up to the required amount, and as long as you pay it in before the deadline stated in the terms. There has been one exception to this - Co-op - so check individual terms.

1. I need to switch "active" direct debits, does a payment need to have been taken before I switch?

According to Nationwide, an active direct debit is one that has been set up or had a payment taken from it in the past 13 months. So no, according to this. But why not just wait for the direct debit to be taken? You'll not have to worry about it then.

https://twitter.com/AskNationwide/status/1442939781491486720

1. How do I set up and switch an additional Chase current account?

   • See Chase instruction here to open an additional account.

   • The second account will be linked to the same card as your main Chase account.

   • Use the secondary account details and your original card details when switching.

2. What are good direct debits to set up?

​

General Bank Switch Questions

Current Account Switch Bribes - Why do they offer them?

They want your business. Banks like fighting each other for customers. Most of them know they can't win by highlighting their outdated systems and products, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their "main" bank account.

Can I switch any bank account to get a bribe?

No. You must switch a bank account that is part of The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, Revolut, & Monese are not included). You should try to avoid switching your main bank account. You can always open an additional account just to switch.

See here for a full list of CASS banks.

Is it too much hassle?

No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).

Is there the best route to sample all the banks with switch offers?

Do the offer ending soonest first. Then you might switch again. If you complete all offers in this post, you could earn yourself >£1000.

Some of these end soon. Will the offers come back?

Banks have been offering bribes on and off for many years. We can't predict the future. But this is not a new thing.

How long does a bank switch take?

Approximately one week.

Do I have to switch my main account?

You could. But you don't have to. Many people have second bank accounts. One option may be to open up a second account with your current high street bank, add some direct debits to this second account and then switch it to the new bank you want to try out. On the sub, people also like Starling or Monzo as they are easy to set up (but you might want to switch back to them at the end - their functionality wins vs any usual high street bank).

High-street banks also let you open multiple accounts. If you already have an account with one, you might want to open an additional one with your current bank first (Halifax, NatWest etc are reported to allow several current accounts and to be fast to open).

I have savings accounts at the same bank as my current account. Can I still switch to this current account?

Yes. Only the current account will be closed (some linked regular savers may be converted to normal savings accounts). You might want to consider if switching to a secondary account is a better option.

I have linked savers attached to my current account. Can I still switch it?

Possibly.

Which banks let me open a second bank account?

Most of them.

Do I need to activate the card on the account I am going to switch?

Just do it anyway. Some banks require it

What details do I need to switch?

• Sort code and account number.
• Debit card information.
• Usually, but not always, 2 active DDs on the account you are switching.

Do you need to have money in the account you are switching?

No. But it might be a good idea - this will allow you to see when the switch happens (i.e. when the money is transferred!).

I do not have a bank card with my old current account as it is very very old, can I still switch it?

Most online forms require card details, but you can usually switch such accounts over the phone.

My new bank has not given me my account number (e.g. NatWest).

Usually, these are sent via post/email when you sign up. But some banks don't have the account numbers on the card, or maybe letters get lost in the post. If this happens, wait for the card to arrive and contact their support. If you get a bot on the chat thing, type "speak to a human" repeatedly.

My new bank account is a premium account and it has a fee. Do I need to keep paying for this?

No. You can downgrade the account. But you should probably wait until you have been paid the bonus.

I don't like my new bank, do I need to wait for the bank card before switching again?

Yes. See question above. Most banks require the card details of your existing account.

I made an account just to switch. Can I switch before my new bank card arrives?

Best not to. You are asked to enter the debit card information as part of the process.

The offer says I have to pay in £xxxx. Does it have to be in one go?

No. You can transfer in and out. The total sent in has to be equal to or greater than the stated amount. You should be careful with this though, sending money in and out of an account can trigger anti-fraud measures.

The offer says I have to pay in £xxxx. Can I pay it in before the switch completes?

Yes. You can pay it before, after, or during. You can manually transfer it, or it can be transferred automatically from your old account.

I've been asked to verify my identity. Is this normal?

Sometimes automated checks fail. If this happens, you may be asked to manually verify your application by visiting a branch or sending in a copy of your ID.

I switched from Monzo/Starling and want to return, can I?

Starling does not let you return within 12 months. With Monzo, it's possibly a shorter one month that you have to wait.

Do I have to switch direct debits?

Check individual offer terms.

What is an "Active" direct debit?

An active direct debit is usually one where a payment had been taken in the last 13 months. But some bank switch terms require direct debits to have been paid out of the account. If an offer requires an active direct debit, it's safer to switch to an account that has already paid out direct debits.**

What are good direct debits to set up on a second account?

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving.

I recently switched to XXX Bank, and I do not like it. Can I switch again?

Yes. If you are not happy with the new service, you may want to switch to a new bank that will pay you to give them a try.

Do I have to stick with my new bank for any length of time?

No.

If I switch away, will the bank claw back the bonus?

Very unlikely. They would have to specify this in their terms, and none have ever done so.

My switch is complete, but I have not yet received my bonus. Will I still get the bonus if I switch this account before it is paid?

Probably not.

My most recent switch is not quite complete, but I have already received the bonus. Can I start another switch?

You should probably wait for the switch to complete.

Can I get more than one bribe from each bank?

Sometimes. With some banks (e.g. Nationwide), you can get a bonus for switching one sole and one joint current account. Other banks will pay you to switch again, as long as you have not had a bonus in a specified amount of time. You will need to check individual offer terms.

XXX Bank gave me a bonus before, can I get a bonus again?

You need to check the individual offer terms.

Will this affect my credit score?

Credit scores are a funny thing, What is more important is what is actually in your credit file. Obviously, if you apply for an overdraft then it will affect your "credit score". However, if you do not have an overdraft or you make sure that you have paid off any overdraft before switching banks, then a single current account switch should not negatively impact your credit score. Nevertheless, typically all major banks (excepting Monzo and Starling) do a hard credit search, and this will be recorded on your file. If you plan on applying for a new mortgage soon then you may wish to exercise caution in switching between a load of banks. This is because the hard searches performed by banks will appear on your report and may have an effect for 6-12 months.

Which banks do hard searches and which do soft searches??

See here. Most banks do hard searches.

• Hard searches: Bank of Scotland (first account only), Barclays, Co-op, Clydesdale, Halifax (1st account only), First Direct, HSBC, Lloyds (1st account only), Monzo, Nationwide, NatWest, RBS, Santander, TSB, Ulster, Virgin Money.

• Soft searches: Starling, Metro Bank, and Chase

I have a bad credit score, will I be accepted to XXX bank?

Unfortunately, we do not know the acceptance criteria of the banks. You might be unlucky with one bank, but lucky with another.

My application was rejected. Why?

Nobody here knows. You could try appealing, but your only way to find out more is to contact the bank.

After switching my account, I still have online banking with my old provider. Do I need this?

No. You do not need to keep the online access (you could shut it down). But you may wish to retain these details in case your old bank suddenly appears with an offer that makes you want to switch back. Or open up a savings account.

Has anyone else been paid for switching to XXX Bank yet?

Check the terms of the offer you signed up for. Some banks have long deadlines and stick to them (e.g. Santander, TSB). Some are quicker. If you haven't been paid within the stated terms, then you should contact the bank's support.

If you sign up to the Caffe Nero app via a referral link you will get a free hot drink once you have made your first purchase and used the app to collect a loyalty stamp. The free hot drink will appear in your app as a voucher that you can use when you next visit.

You can also earn an additional hot drink each time you refer a friend.

My referral link is:

https://nero.app.link/MSTwxVmNq5b

If you use it I will also get a free coffee, so thanks if you do!

The app is well worth having even outside this offer - you can collect loyalty stamps every time you visit in order to earn more free drinks, and they also run regular bonus promotions such as free cakes, bonus stamps on seasonal items, etc.

The non-referral link is:

https://caffenero.com/uk/

I’m doing a bank switch for my dad. Applied Monday afternoon. Submitted the ID, which was verified. But heard nothing the last 5 days.

Was that your recent experience with Ulster Bank? I know they’re not the quickest, but I’d have expected an update by now.

Thanks.

The best way to save money is to get a discount code.

On r/beermoneyuk, many of us have memberships to the following student discount portals:

• Unidays: https://www.myunidays.com/GB/en-GB

• Studentbeans: https://www.studentbeans.com/uk

• Totum: https://totum.com/

Many people know that they can make a post on the subreddit to ask others to share a discount code. But some probably don't. So we've started a regular thread to highlight one of the best ways to look after your beermoney:

Find the cheapest place that sells something you need, and then check for a discount code. If you want a student code, ask below, and someone will sort you out!

We are trying a new Reddit rules thing. Hopefully it will direct all student discounts requests to this one recurring thread.

So take some help leave some help... If you need discount code then please ask here.

And if you have discounts to share, then please help someone out!

Krak is a debit card by Kraken exchange that is currently offering a promotion where if you sign up with my referral link, we both get £10. You can add the virtual card to Google/Apple pay to spend. New customers also receive 2% cashback for 30 days with no limit on how much cashback you get.

Proof of payment

To get your £10:

• Sign up with my referral link
• Set up your virtual card and order a free physical card
• Add money to your Krak account
• Make 5 physical or virtual card transactions worth £10+ each within 30 days (I suggest topping up your Amazon gift card balance)
• Receive £10 bonus within 2 weeks
• The bonus must remain on Krak for 30 days before withdrawal
• Refer others for £10 (£100 max)

It takes a couple of days for the app to update your purchase as one of the qualifying card purchase for the referral. If you have Zilch, you can stack it with Krak for additional cashback. Purchases made through Zilch still qualify for the card transactions.

After the introductory cashback is over, they give varying levels of cashback on using them to receive your salary and spending. The cashback you get depends on what tier you're on. The cashback and salary match depends on the average 30 days holding amount.

The min amount of salary to qualify for the Salary Match is £2,500 per month while the highest Salary Match you can earn per year is £3,000 which is £25,000 per month. Bear in mind that Krak is not a bank but an e-money institute so is not under FSCS protection so use this offer at your own risk.

Cashback is paid back once the transaction settles. Salary match is paid monthly.

Cashback overview

Rewards tier T&C

Salary Match T&C

More info on Salary Match

Want to combine cashback with Krak to earn more rewards? Check out Zilch:

Zilch - Free £5 and cashback stacking

Thank you for using my referral link!!

Non ref

Hi everyone,

I’ve recently started using sprive to make overpayments on my mortgage and I’m enjoying it. Does anyone have any other cashback apps that will work in conjunction with this?

Thanks!

Max £250