Updated 14/06/2022
Referral programs are a great way to make some extra money and help your friends out in the process! You’ll need to make sure your friend uses your specific referral link or neither of you will receive your referral rewards.
Below are some of my favourite UK referral programs that pay cash or have rewards that can easily be used as or converted to cash. I’ve included my referral links, so you’ll be eligible for the bonuses discussed. You can sign up for the programs you’re interested in then send your referral links on to your friends!
Cashback Referral Programs
Cashback sites offer an easy way to get money back on everyday purchases. Most cashback sites offer an incentive to refer a friend. Sometimes they’ll even give your friend a bonus for signing up too!
Quidco Referral Program
Referral link: Quidco*
What you’ll earn: £15.
What they’ll earn: £5 bonus.
When you’ll qualify: When your friend earns £5 confirmed cashback.
TopCashback Referral Program
Referral link: TopCashback*
What you’ll earn: £20.
When you’ll qualify: When your friend earns £10 payable cashback.
OhMyDosh! Referral Program
Referral link: OhMyDosh!*
What you’ll earn: £5.
What they’ll earn: £1 bonus.
When you’ll qualify: When your friend cashes out.
Swagbucks Referral Program
Referral link: Swagbucks*
What you’ll earn: 300SB worth around £2 and 10% of your friend’s lifetime earnings.
When you’ll qualify: When your friend earns 300SB within their first 30 days.
Cashback Credit Card Referral Programs
Cashback credit cards are becoming more common in the UK. There are some great sign up offers and bonuses available. Before signing up be sure you can pay off the balance in full every month as these type of cards tend to have high interest rates.
American Express Nectar Referral Program
Referral link: American Express*
What you’ll earn: 5,000 points worth £25.
What they’ll earn: 21,000 points worth £105 if they spend £2,000 in their first 3 months of card membership.
When you’ll qualify: When your friend is approved for any card except the basic card. They must not have held a personal American Express card in the past 24 months.
Free Share App Referral Programs
There are a number of stock trading apps that will reward you with a free share for referring a friend. These can be worth up to £200 and can easily be cashed out if you’d prefer to have the money in your bank account.
Freetrade Referral Program
Referral link: Freetrade*
What you’ll earn: A free share worth between £10 and £15.
What they’ll earn: A free share worth between £10 and £15.
When you’ll qualify: When your friend has signed up using your referral link, deposited £250 and filled in a W-8BEN form so they are eligible to receive US shares.
Stake Referral Program
Referral link: Stake*
Referral code: LINDSAYK282.
What you’ll earn: A free share in either Nike, Go-Pro or Dropbox.
What they’ll earn: A free share in either Nike, Go-Pro or Dropbox.
When you’ll qualify: When your friend has signed up using your referral link and deposited $50 within 24 hours.
Find out more about how to get a free share with Stake.
Shares Referral Program
Referral link: Shares*
What you’ll earn: A free share worth £20.
What they’ll earn: A free share worth £20.
When you’ll qualify: When your friend has signed up using your referral link on their mobile phone and funded their account with at least £1.
Wealthyhood Referral Program
Referral link: Wealthyhood*
What you’ll earn: A free share worth up to £200.
What they’ll earn: A free share worth up to £200.
When you’ll qualify: When your friend has signed up using your referral link and deposited £10.
Money App Referral Programs
There are always new finance apps coming onto the market. In an effort to get plenty of users on board or retain existing users they often offer bonuses for new sign ups and promote refer a friend schemes.
PayPal Referral Program
PayPal shouldn’t need an introduction. It’s been around since 1998 and provides you with an easy way to send and receive money online.
What you’ll earn: £10.
What they’ll earn: £10.
When you’ll qualify: When you send 1p to a friend who doesn’t have a PayPal account and they sign up, add a bank account or card and send or spend over £5.
Curve Referral Program
Curve is an app that allows you to connect all your credit and debit cards. You’ll be sent a Curve card which will allow you to pay with any of them and give you cashback on your purchases.
Referral link: Curve*
Referral code: N7XOQLQN.
What you’ll earn: £5.
When you’ll qualify: When your friend has made 5 purchases over £5 with their Curve card.
Monzo Referral Program
Monzo is a banking app that allows you to control how you spend and save with pots. You can split the bill, divide household expenses and send or receive payments without having to hunt for bank details.
Referral link: Monzo*
What you’ll earn: £5.
What they’ll earn: £5.
When you’ll qualify: When your friend signs up and makes a card payment within 30 days.
Revolut Referral Program
Revolut is a money management app that covers everything from banking to investments.
Referral link: Revolut*
What you’ll earn: £50.
When you’ll qualify: When your friend signs up, tops up their account, orders a physical Revolut card and makes 3 separate purchases of £5 or more.
Using these referral programs, you could make hundreds or even thousands of pounds!
If you’re interested in other ways to make money online check out the make money section of the blog for more ideas.