This month's offers

Twenty-three live offers, every one checked against the provider's own terms before listing. Amounts and requirements change — each listing shows the date we last verified it.

Last full check: 19 July 2026

Bank switch bonuses 7 live

The biggest bonuses on this page. You switch your current account using the official Current Account Switch Service (CASS) and meet a few requirements. New to switching? Read our switch bonus guide first. If a bank isn't listed, it isn't paying — Lloyds, Halifax and TSB have no live offer as of 19 July 2026.

★ Biggest bonus
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HSBC

Bank switch
£220 the biggest standard offer right now
Effort: ~30 min Window: 60 days

Switch via CASS with 2+ direct debits, pay in £2,000 and spend £500 on the debit card within 60 days.

Go to HSBC 19 Jul 2026
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Co-operative Bank

Bank switch
£200 up to £300 for existing Co-op customers
Effort: ~30 min Window: 30 days + 3 months

£125 up front (CASS switch, £1,500 in, 2 direct debits, 5 card payments, app registration within 30 days), then £25 a month for three months.

Small print worth knowing
  • Excluded if you've switched to Co-op Bank since November 2022.
  • An extra £100 loyalty bonus applies if you were a Co-op, smile or Coventry Building Society customer on 21 June 2026.
Go to Co-op Bank 19 Jul 2026
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NatWest

Bank switch
£200 RBS runs an identical offer
Effort: ~25 min Window: 60 days

Switch via CASS, pay in £1,250 and log in to the app within 60 days.

Small print worth knowing
  • RBS has a mirror £200 offer — they're separate banks, so many people do both over time.
Go to NatWest 19 Jul 2026
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Barclays

Bank switch
£200 start your switch by 27 Aug 2026
Effort: ~25 min Window: 30 days

Switch via CASS and pay in £2,000 within 30 days, using the Barclays app.

Go to Barclays 19 Jul 2026
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Santander

Bank switch
£180 Edge Explorer adds a hotel voucher perk
Effort: ~30 min Window: 60 days

Switch via CASS with 2 direct debits, pay in £1,500 and close your old account, within 60 days.

Go to Santander 19 Jul 2026
fd

First Direct

Bank switch
£175 consistently top-rated for service
Effort: ~35 min Window: 45 days

Switch via CASS with 2+ direct debits or standing orders, pay in £1,000, make 5 debit card payments and log on digitally within 45 days.

Small print worth knowing
  • Not eligible if you've held an HSBC account since 2018 — First Direct is part of the same group.
Go to First Direct 19 Jul 2026
★ Quickest to meet
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Nationwide

Bank switch
£175 the lightest requirements of the lot
Effort: ~20 min Window: 31 days

Switch via CASS with 2 direct debits, pay in £1,000 and make one card payment within 31 days.

Go to Nationwide 19 Jul 2026
Removed recently — because they ended: Lloyds £200 (ended 30 April) · TSB switch offer (withdrawn March). When an offer dies, it comes off this page. That's the point of us.

Household bills 2 live

Referral credits on bills you already pay — the easiest wins on this page.

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Octopus Energy

Energy
£50 each for you and the friend who refers you (£75 for business)
Effort: ~15 min Pays: ~4 weeks after switch

Switch to Octopus via a friend's personal referral link and you both get £50 credit about four weeks after the switch completes.

Why we don't give you a link
  • Octopus referral links are personal — their rules say they're for sharing with people you know, not for publishing on websites like ours.
  • So: ask a friend or colleague who's already with Octopus for their link. Someone in your life almost certainly is.
  • No Octopus-owning friends? You can still switch directly — you just won't get the £50 credit.
Go to Octopus 19 Jul 2026
g

giffgaff

Mobile
£5 each airtime credit for you, £5 for the friend who invites you
Effort: 10 min SIM: free by post

Order a free SIM through an existing member's invite link and activate it — you get £5 airtime credit, they get £5. Runs on O2's network with no contracts.

Why we don't give you a link
  • giffgaff invite links are personal to each member — so ask a friend who's on giffgaff, and you'll both get the £5.
  • Referrers are paid their £5 "Payback" twice a year, in June and December.
Go to giffgaff 19 Jul 2026

Government schemes 1 live

Not a referral, not a promo — an actual government scheme most eligible people have never heard of. It pays us nothing; it's listed because for anyone on Universal Credit it's the single best offer on this page.

★ Best-kept secret
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Help to Save

Government savings scheme
50% bonus up to £1,200 free over four years
Save: £1–£50/month Bonus paid: years 2 & 4

Save £1–£50 a month and the government adds 50p for every £1 of your highest balance — paid at the end of year 2 and year 4, up to £1,200 total.

Who can get it & the small print
  • You need to be receiving Universal Credit and have earned £1 or more in your last monthly assessment period.
  • Couples can open one account each — that's up to £2,400 of bonus per household.
  • You can withdraw money if you need it; the bonus is based on the highest balance you reach, so past saving still counts.
  • Apply free on gov.uk with a Government Gateway login. Open to new accounts until April 2027.
Apply on gov.uk 19 Jul 2026

Cashback & shopping 3 live

Cashback sites pay you a percentage back on shopping you were doing anyway — plus a bonus for joining. Torn between them? Read TopCashback vs Quidco.

★ Easiest £20
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TopCashback

Cashback
£20 new member bonus via a referral
Effort: 10 min Bonus after: £10 cashback in 180 days

The UK's biggest cashback site. Join through a referral, earn £10 of cashback within 180 days, and a £20 bonus is added on top.

Go to TopCashback 19 Jul 2026
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Quidco

Cashback
£10 new member bonus via a referral
Effort: 10 min Bonus after: £5 confirmed cashback

The other big UK cashback site — worth having both, as retailer rates differ. Bonus pays once you've earned £5 of confirmed cashback (gift card purchases excluded).

Go to Quidco 19 Jul 2026
A

Airtime Rewards

Cashback off your phone bill
£2 signup bonus with a code, plus ongoing cashback off your mobile bill
Effort: 5 min Redeem from: £10 off your bill

Link your bank card, shop as normal at 200+ partner retailers, and the cashback comes off your mobile bill. £2 bonus when you join with a referral code and spend £5 within 7 days (bonus offers vary).

Which networks it works with
  • Monthly contracts: EE, O2, Vodafone and Three.
  • Pay-as-you-go: those four plus giffgaff and Lebara.
  • Not supported: Tesco Mobile, Sky Mobile, SMARTY, VOXI, iD Mobile and most other virtual networks.
Get Airtime Rewards 19 Jul 2026

Everyday money apps 5 live

Free apps and accounts that help you keep more of your money — some pay a bonus or credit for joining.

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Starling Bank

Bank referral
£25 each for you and the friend who refers you
Effort: 15 min Paid: within 30 days

Open your first Starling account entering a friend's referral code when you apply, complete the steps in their referral message (typically a few qualifying payments or direct debits), and you both get £25.

Why we don't give you a code
  • Starling referral codes are personal — ask a friend who banks with Starling for theirs.
  • The code has to go in at application; you can't add it after opening the account.
Go to Starling 19 Jul 2026
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Monzo

Bank referral
£5–£50 randomised — most commonly £5–£10, same for both sides
Effort: 15 min Key step: card payment in 30 days

Open your first Monzo account through a friend's invite link (enter your phone number via their link before signing up), then make your first card payment within 30 days — you both get the same randomised bonus.

Why we don't give you a link
  • Monzo invite links are personal and live in each member's app — ask a friend on Monzo.
  • The exact bonus is only revealed in-app; Monzo doesn't publish the amounts.
Go to Monzo 19 Jul 2026
C

Chase

Cashback current account
2% cashback on everyday essentials, capped at £20/month
Worth up to: £240/yr Criteria changed Jun 2026

Free account paying 2% back on groceries, restaurants, takeaways, everyday transport and fuel. To qualify each month: make 15+ debit card or direct debit transactions AND hold £1,000+ in Chase savings every day of the month.

Worth knowing before you open it
  • The old "1% on everything" offer ended 1 June 2026 — plenty of sites still list it. This is the current deal.
  • Cashback earned one month is paid the following month, and only the listed categories count.
  • No joining bonus is running at the moment.
Go to Chase 19 Jul 2026
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Free credit score apps

Credit score
Free Experian, ClearScore & similar
Effort: 2 min Never affects your file

Checking your own score is free, takes two minutes, and never affects your credit file. Worth doing before any bank switch.

Check your score 19 Jul 2026
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Snoop

Budgeting
Free + £5 Amazon voucher via a friend's referral
Effort: 10 min Voucher after: 28 days connected

Connects to your accounts (via Open Banking) and flags cheaper deals on the bills you're overpaying. Referred friends who stay connected 28 days earn you both a £5 voucher (scheme runs to 30 Sep 2026).

Get Snoop 19 Jul 2026

Business & side hustle 1 live

If you run a side hustle, sell online or freelance — these are for you.

★ Side hustlers
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Tide business account

Business banking
£100 each via a member's referral (account itself is free)
Effort: 15 min Pays after: £500 card spend in 3 months

A free UK business account you can open from your phone. Referred by an existing Tide member? You both get £100 once the new business spends £500 on its card within three months.

Go to Tide 19 Jul 2026

Get-paid apps 4 live

Small but real: platforms that pay you for your opinions and your time. Pocket money, not rent money — we're honest about that. See the honest maths.

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YouGov

Surveys
£50 payout threshold — slow but legit
Effort: 5 min/survey Payout: months, not days

Short opinion surveys from a legit research company. Slow and steady — expect months, not days, to reach the £50 payout.

Join YouGov 19 Jul 2026
A

AttaPoll

Surveys
£3+ low payout threshold
Effort: 2–10 min/survey Payout: PayPal or bank

Quick mobile surveys with one of the lowest cash-out thresholds around, paid via PayPal or bank transfer. Referrals pay 40p plus 10% of a friend's earnings, for life.

Get AttaPoll 19 Jul 2026
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Prolific

Paid research studies
£6–£12/hr the best rates in the category — via a waitlist
Minimum: £6/hr enforced Waitlist to join

Academic research studies that pay properly — a £6/hour minimum is enforced platform-wide and many studies pay £9–£12/hour. The honest catch: new signups join a waitlist, and invites can take weeks or months depending on your demographics.

Why we list it anyway
  • It's the best-paying platform of its kind, and joining the waitlist costs nothing — do it now so future-you is in the queue.
  • No referral scheme exists, so nobody (including us) earns anything from you joining.
Join the waitlist 19 Jul 2026
U

UserTesting

Paid website testing
~£8/test typically around $10 per 15–20 min test — amounts vary
Effort: 15–20 min/test Paid: PayPal, ~14 days

Speak your thoughts aloud while trying out websites and apps. Pass a practice test to join, then screeners decide which tests you get — availability is patchy, so treat it as pocket money, not steady income. Live interview sessions pay considerably more.

Go to UserTesting 19 Jul 2026

Before you sign up to anything: offers change and can be withdrawn without notice — always read the provider's full terms. Some links on this page are referral or affiliate links that earn us a commission at no cost to you. We never list credit cards or loans. Full details on how we earn.