Banking & Finance Referral Codes

Monzo

Finance

Monzo is a UK digital bank founded in 2015, operating via a mobile app with a distinctive coral-coloured debit card. It offers personal current accounts with features including instant spending notifications, fee-free spending abroad, savings pots, salary sorting, bill splitting, and built-in budgeting tools. Monzo holds a full UK banking licence and deposits are FSCS-protected. The bank runs an active referral programme where both the referrer and new customer receive a random bonus of £5, £10, £20, or £50 after the new user makes their first card payment. Referrals are capped at 10 per customer. Monzo serves millions of UK customers and also offers paid Plus and Premium tiers.

Zopa

Finance

Zopa is a UK digital bank offering current accounts, credit cards, savings, and personal loans through its mobile app. Originally launched in 2005 as a peer-to-peer lending platform, Zopa obtained a full UK banking licence in 2020. Its Biscuit current account provides 2% cashback on direct debit bill payments, capped at £30 per year, plus a linked savings account offering competitive interest rates. Zopa also offers fixed-term savings bonds and a rewards credit card. The bank is FSCS-protected up to £85,000. Zopa's referral programme gives both referrer and friend £10 when the new customer opens a Biscuit account through a referral link.

Starling Bank

Finance

Starling Bank is a UK-based digital challenger bank offering fee-free personal current accounts, joint accounts, euro and dollar accounts, and savings spaces, all managed through a mobile app. Founded in 2014 and headquartered in London, Starling is fully authorised by the PRA and FCA, with deposits protected by the FSCS up to £85,000. The bank provides instant spending notifications, built-in budgeting tools, fee-free spending abroad, and integration with Apple Pay and Google Pay. Starling has reached profitability and serves millions of UK customers. The bank runs a referral programme that has offered rewards ranging from National Trust day passes to charitable tree-planting donations for each successful referral.

Klarna

Finance

Klarna is a Swedish fintech company offering buy-now-pay-later, pay-in-three instalments, and direct payment services to UK shoppers through its app and at online checkouts. It partners with thousands of UK retailers, allowing customers to spread the cost of purchases interest-free over short periods or pay later within 30 days. The Klarna app also features price drop alerts, a shopping wish list, and order tracking across retailers. Klarna is authorised by the Financial Conduct Authority for its UK consumer credit activities. Klarna runs a refer-a-friend programme in the UK where both the referrer and the new user receive a discount on purchases after the referred friend makes their first Klarna transaction.

PayPal

Finance

PayPal is a global digital payments platform that enables individuals and businesses to send and receive money online. Widely used across the UK for e-commerce, peer-to-peer transfers, and subscription payments, PayPal supports bank accounts, debit cards, and credit cards. The platform also offers buyer and seller protection on eligible transactions. In 2026, PayPal launched its PayPal+ Loyalty Programme in the UK, integrating referral rewards into a points-based system. Users who refer friends can earn PayPal+ Points when the referred person signs up, links a payment method, and completes a qualifying transaction within 30 days.

CreditSpring

Finance

UK direct lender offering no-interest personal loans through a fixed monthly membership. Designed to help members borrow flexibly and build their credit score.

Chase UK

Finance

Chase UK is the digital retail bank launched by JPMorgan in the UK in 2021, offering current accounts, savings accounts, and investment products entirely through its mobile app. The bank provides a fee-free UK current account with a Visa debit card, round-up savings, and competitive savings interest rates. Chase UK has no physical branches; all account management happens via the app. The refer-a-friend programme offers both the existing customer and the new user £50 credited to their rewards balance when the new customer signs up, enters the referral code in the rewards section of the Chase app, and meets eligibility requirements. Existing customers can generate up to five referral codes per offer period.

Revolut

Finance

Revolut is a UK-headquartered fintech company offering a digital banking app with multi-currency accounts, international money transfers, stock and cryptocurrency trading, budgeting tools, and savings vaults. In March 2026, Revolut received its full UK banking licence, transitioning from an e-money institution to Revolut Bank UK Ltd. The app supports fee-free spending abroad in over 150 currencies and offers physical and virtual debit cards. Revolut runs periodic referral campaigns where existing customers invite friends using a unique link, with both parties earning a cash bonus once the new user completes qualifying card transactions.

Sprive

Finance

Sprive is a UK fintech app designed to help homeowners pay off their mortgages faster by automating overpayments and earning cashback on everyday shopping that goes directly towards the mortgage balance. The app rounds up spare change from transactions and directs it as additional mortgage payments, alongside a cashback marketplace with participating retailers. Sprive also offers mortgage comparison and switching tools powered by AI. The app is free to download and FCA-regulated. Sprive runs a referral programme where new users who sign up through a referral link receive a cash bonus credited to their account, and existing users earn rewards for each qualifying referral who sets up a direct debit.

Lloyds Bank

Finance

Lloyds Bank is a major UK high street bank tracing its origins to 1765 in Birmingham, now part of Lloyds Banking Group alongside Halifax and Bank of Scotland. It provides current accounts, savings products, mortgages, credit cards, loans, insurance, and business banking to millions of UK customers. The bank has invested heavily in digital banking, with its mobile app consistently ranked among the best in the UK. Lloyds Bank operates a refer-a-friend programme that rewards existing customers with up to 250 pounds per calendar year for successful referrals, with both parties earning 50 pounds per referral when the new customer opens and maintains a qualifying current account.

Suits me

Finance

UK online banking account with no credit checks or minimum deposits. Includes a debit card, mobile banking, and a cashback rewards programme.

Zable

Finance

Zable is a UK-based fintech platform dedicated to making credit accessible and manageable. Offering credit cards and personal loans, Zable focuses on transparency and helping users build their financial future with simple, easy-to-use digital tools.

Sumup

Finance

Global payment solutions provider for small businesses. Accept card payments in-store with low-fee card readers, or use SumUp Pay for digital payments. Earn £10 when you refer a friend who makes three payments.

Clearpay

Finance

Clearpay is the UK brand of Afterpay, an Australian buy-now-pay-later service acquired by Block, Inc. in 2022. The platform allows UK shoppers to split purchases into four interest-free fortnightly payments at thousands of online and in-store retailers, with no interest charged if payments are made on time. Clearpay is available through its app and browser extension and partners with fashion, beauty, and lifestyle brands across the UK. Late payment fees apply if instalments are missed. Clearpay's referral programme has offered both the referrer and the new customer £10 off a purchase of £50 or more when the new user signs up through a referral link. New BNPL regulations from the FCA are expected to take effect in the UK from July 2026.

Snoop

Finance

Snoop is a UK personal finance app that connects to bank accounts and credit cards through Open Banking to analyse spending, detect forgotten subscriptions, and suggest money-saving switches. The app is free to use, FCA-regulated, and available on iOS and Android. Snoop sends personalised alerts called Snoops that highlight areas where users could reduce bills across energy, broadband, insurance, and more. The platform cannot move money or access login credentials, operating in read-only mode for security. Snoop reports that the average UK household has between £360 and £600 in unused or forgotten annual subscriptions. The app runs a referral programme offering Amazon vouchers to both the referrer and the new user upon sign-up.

Zilch

Finance

Zilch is a UK-based buy now, pay later provider offering a virtual Mastercard through its mobile app, accepted at millions of retailers online and in-store. Users split purchases into four interest-free payments over six weeks, paying 25% upfront and the remainder in fortnightly instalments. Zilch also offers a pay-now option with cashback rewards on every purchase. The company is FCA-authorised and conducts soft credit checks during sign-up. In 2026, Zilch launched a physical card alongside its virtual offering. The referral programme gives both referrer and friend £5 in Zilch credit when the new user signs up through a referral link and activates their account.

Go Henry

Finance

GoHenry is a UK-based fintech app and prepaid debit card designed to teach children aged 6 to 18 about money management. Parents control spending limits, set chores-based pocket money, and monitor transactions through the app, while children learn budgeting and saving with their own customisable card. The platform includes Money Missions, interactive financial education lessons built into the app. GoHenry offers tiered pricing from £3.99 per month for the Everyday plan, with Premium at £5.99 adding savings interest and cashback, and Max at £9.99 covering a family of up to four children. New users can access sign-up bonuses including £20 pocket money credit and free trial months when joining through promotional partners.