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Best sign-up bonus offers in the UK
Banking app
We have compiled a list of the best sign-up bonus offers and promotions from banks and banking apps in the UK. We check and update this guide on a weekly basis and each offer has its own set of terms and conditions that apply.
See if you could find a good deal!
| Brand | Bonus type | Product type | Offer details | Link |
|---|---|---|---|---|
| Freecash | Sign-up | Cashback | Get up to £4 as a welcome bonus | Get deal |
| Revolut | Sign-up | Banking apps | Get a sign-up bonus of £20 | Get deal |
| XTB new | Sign-up | General investment account | Get 1 free Rolls-Royce share | Capital at risk |
| TSB | Switching | Bank account | Get up to £200 by switching to TSB | Get deal |
| IG new | Sign-up | General investment account | Get up to £1,000 in free US shares | Capital at risk |
| InvestEngine | Sign-up | General investment account | Sign-up welcome bonus of £20-£100. (deposit £100) | Capital at risk |
| Freetrade | Sign-up | General investment account | Free stock worth £10-£100 (deposit £50) | Get deal Capital at risk |
| IG new | Sign-up | General investment account | Deposit match up to £200 | Capital at risk |
| Santander new | Switching | Bank account | Get £200 & a £25 gift voucher when switching your current account to Santander | Get deal |
| IG new | Sign-up | General investment account | Get up to £3,000 cashback on investments (1%) | Capital at risk |
| Monzo | Refer-a-friend | Bank account | Free £10 when you refer a friend | Get deal |
| Revolut | Refer-a-friend | Bank account | Earn up to £60 when you refer a friend | Get deal |
| Quidco | Sign-up | Cashback | Get up to £25 cashback when you refer a friend | Get deal |
| gohenry | Sign-up | Kids bank account | Get a £20 pocket money bonus for your child | |
| Revolut business | Sign-up | Business banking | Sign up to get a £100 welcome bonus. | Get deal |
| Remitly | Refer-a-friend | Money transfer | Sign up and get £10 off your first transfer when you send £100 | |
| Wealthify | Refer-a-friend | Share trading | £50 refer-a-friend cashback | Get deal Capital at risk |
| Scottish Friendly | Refer-a-friend | Share trading | £25 referral voucher | Capital at risk |
| Santander railcard | Sign-up | Student travel | Free 16-25 railcard with Santander Student | Get deal |
| Currensea | Refer-a-friend | Travel card | Free £10 when you refer a friend | Get deal |
| InvestEngine | Sign-up | Pension | Sign-up welcome bonus of £20-£100 | Capital at risk |
Why do banking apps offer sign-up deals?
Banks and banking apps offer sign-up deals to entice new customers. They’re happy to pay to acquire new customers because once an account is open they’re then able to offer other products to that new customer. It’s mutually beneficial, because customers get rewarded for trying (and sometimes continuing to use) a new app, while banks are able to incrase their customer base.
Are there any catches?
Sometimes there will be some extra hoops to jump through to get the bonus. This could be something like depositing a certain amount of money in the account and keeping it there for a certain amount of time or making a number of qualifying transactions. You may also need to offer a current account to access a savings account, or vice versa. Just make sure you’re aware of the eligibility criteria and be sure you can fulfil it.
Will a reward impact my credit score?
There normally isn’t an impact on your credit score just from accepting a sign-up bonus or earning rewards from your account. But if you’ve switched current accounts to get an offer or reward, there’s a chance this can temporarily affect your credit score. When you open a new account, banks normally do a hard credit search, which shows up on your credit file.We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.