Best sign-up bonus offers for free money in the UK from banks and apps

Discover which banking apps have instant free money welcome offers, sign-up bonuses, refer-a-friend offers and get free money for signing up.

We have compiled a list of the best sign-up bonus offers and free money promotions from banks and banking apps in the UK. We will check and update this guide on a weekly basis.

These offers include:

Bank switch offers

Banks often pay money when you change your bank account. For these you will need to close and move over your old bank account to your new one using the Current Account Switch Service (CASS). For more details, head over to our bank switch offers guide.

Deal

£175 bonus for a current account switch

Verified Today
£175 bonus when you complete a full switch to a first direct 1st account. T&Cs apply.
Deal

£200 bonus for a current account switch

Verified Today
£200 switch bonus for a current account switch to Lloyds. Switch 3 or more active direct debits using the Current Account Switching Service. T&Cs apply.
Deal

£150 bonus for current account switch

Verified Today
Free £150 when you switch to a Santander current account, including the Edge, Edge UP & Everyday account. You'll have to complete a full switch, set up 2 active Direct Debits & pay in £1,500 within 60 days. T&Cs apply.
Deal

£175 bonus for a current account switch

Verified Today
£175 bonus for a current account switch to Nationwide. Must make at least 2 direct debits. T&Cs apply.
Deal

£150 bonus for current account switch

Verified Today
£75 bonus for switching, plus £25 a month for up to 3 months. T&Cs apply.
Deal

£180 bonus for Reward account switch

Verified Today
£180 bonus when you complete a full switch to a NatWest Reward account. You must pay in £1,250 within 60 days of completing the switch to receive the bonus. T&Cs apply.

Free money sign-up bonuses in the UK

We’ve rounded up sign-up bonuses from a range of providers, offering a variety of services including prepaid children’s cards to in-app money management. It includes popular promo codes and deals from providers such as Revolut, GoHenry and NatWest Rooster Money.

Banking sign-up bonuses

Deal exclusive

Get a sign-up bonus of £20

Verified Today
Minimum spend of £20 to receive the welcome offer. T&Cs apply.

Business banking sign-up bonuses

Deal exclusive

Get a sign-up bonus of £20 when you open a Revolut Pro account

A bank account for freelancers. Minimum spend of £20 to receive the welcome offer. T&Cs apply.

Kids banking sign-up bonuses

Code exclusive

Get a £15 pocket money bonus for your child

Verified Yesterday
A prepaid account for children aged 6-18. Sign up today and also receive 2 months free. T&Cs apply.
Code

Get a £5 bonus when you sign up

Verified Today
Get £5 bonus when you sign up to NatWest Rooster Money using Finder's code. Order the Rooster Card in the app and you’ll get the £5 pocket money bonus after your free trial and your first subscription payment has been made. T&Cs apply.
Deal

Get £10 free pocket money plus your first month free

Verified Today
A prepaid account for children aged 6-18. Get £10 free pocket money plus your first month free. T&Cs apply.

Pension sign-up bonuses

Deal

Open a pension and receive a £50 bonus

Verified Today
Open a PensionBee pension and receive a £50 sign-up bonus. T&Cs apply.
Deal

Earn £25 when you refer a friend

Verified Today
Earn £25 when you refer a friend to Penfold. You and your friend will then receive a £25 bonus when the referred friend makes a payment. T&Cs apply.

Savings account sign-up bonuses

Deal exclusive

Get £10 cashback after saving over £100 in your first 90 days

Verified Today
Open to new customers only. No code needed. The participating customer must hold a minimum of £100 within their Plum account. T&Cs apply.
Deal exclusive

Earn a bonus of up to £50 on your savings

Verified Today
Use code FINDER5K for a £10 bonus on deposits over £5,000, FINDER10K for a £30 bonus on deposits over £10,000, FINDER15K for a £40 bonus on deposits over £15,000 or FINDER20K for a £50 bonus on deposits over £20,000. T&Cs apply.

Investing sign-up bonuses

We have collected a number of investing incentives on this guide however for a more comprehensive guide you can visit our free shares guide for deals for share trading providers like Trading212 and Freetrade.

Deal

Free stock worth £10-£100

Verified Today
Free stock worth £10-£100 when you sign-up using Finder’s link. New accounts only. T&Cs apply. Capital at risk.
Deal

Sign-up welcome bonus of £10-£50

Verified Today
Sign-up welcome bonus of £10-£50 with InvestEngine. You need to deposit at least £100. T&Cs apply. Capital at risk.

Student banking sign-up bonuses

Deal

Free 16-25 railcard with Santander Student

Verified Today
Free 4-year Santander 16-25 Railcard to save 1/3 on rail travel in Great Britain. T&Cs apply.

Refer-a-friend bonuses in the UK

We’ve rounded up refer-a-friend offers available from a range of digital banks and e-money institutions. These include popular deals from banking apps like Revolut and Monzo.

Banking refer-a-friend bonuses

Deal

Earn up to £60 when you refer a friend

Verified Today
Earn up to £60 when you refer a friend to Revolut. The friend must order a physical card and make 3 purchases of £5 minimum each. T&Cs apply.
Deal

Free £5 when you refer a friend

Verified Today
No minimum spend but must make a payment within 30 days. T&Cs apply.
Deal

Free £10 when you refer a friend

Verified Today
Once the referee makes a spending transaction, you'll both receive £5. You'll earn another £5 once they've spent £500 with their Monese card or sent £500 internationally. T&Cs apply.
Deal

Free £5 when you refer a friend

Verified Today
Earn £5 when you refer a friend to Bex using your unique referral code. T&Cs apply.
Deal

Get up to £10 when you refer a friend

Verified Today
Get up to £10 when you refer a friend to PayPal and they spend £5. Refer up to 10 friends. Offer ends 31 December 2024. T&Cs apply.

Business banking refer-a-friend bonuses

Business account providers often run various deals to entice users to open bank accounts. Popular banks like Tide and HSBC often run promotions.

Deal

Get £50 when you refer a friend

Verified Today
Get £50 when you refer a friend to Tide. Your friend must enter your referral code and spend £500 over 3 months with their Tide card. T&Cs apply.

Money transfer refer-a-friend bonuses

Deal

Free £75 when you refer a friend to Wise

When 3 of your friends make their first transfer of more than £200, you'll be paid up to £75 as a referall bonus. T&Cs apply.
Code

Sign up and get £10 off your first transfer when you send £100

Verified Today
Sign up to Remitly and get £10 off your first transfer when you send £100 or more. T&Cs apply.
Deal

Get £10 off your first transfer when you refer a friend

Verified Today
Get £10 off your first transfer with Skrill when you refer a friend. Your friend must complete a transfer of £100 or more to be eligible for the referral credit. T&Cs apply.
Deal

Get £10 when you refer a friend

Verified Today
Get £10 when you refer a friend to Western Union by sharing your unique referral link. You and your friend must complete an international online transfer of at least £50. T&Cs apply.
Deal

Refer a friend and earn rewards

Verified Today
Refer a friend and earn rewards with Currencyfair with a valid referral link. T&Cs apply.
Deal

Free £30 when you refer a friend

Verified Today
Free £30 when your friend signs up and completes a payment of £5 minimum. The friend must also sign up using your unique referral link. Refer up to 20 friends. T&Cs apply.

Savings account refer-a-friend bonuses

Deal

Get £50 bonus when you refer a friend

Verified Today
Get £50 bonus for up to 10 successful referrals. who fund their first savings account with £5000 or more. T&Cs apply.

Share trading refer-a-friend bonuses

Deal

£50 refer-a-friend cashback

Verified Today
Referee must have deposited £250 and leave it invested for 3 months to receive the bonus. T&Cs apply. Capital at risk.
Code

£25 referral voucher

Verified Today
Voucher redeemable at a range of UK outlets. Referee must enter 'RECAF' promo code when applying. T&Cs apply. Capital at risk.
Deal

Refer up to 5 friends to get free fractional share trades

Verified Today
Refer up to 5 friends to get free fractional share trades with Robinhood once the referee completes their first deposit. T&Cs apply. Capital at risk.
Deal

Free £30 voucher if you refer a friend

Verified Today
Free £30 voucher via Blackhawk if you refer a friend with AJ Bell Dodl. The referee must open any Dodl account and deposit at least £500. T&Cs apply. Capital at risk.
Deal

Refer a friend and you'll both get a £100 gift card

Verified Today
Refer a friend and you'll both get a £100 Amazon.co.uk gift card with AJ Bell once the friend has opened a SIPP, ISA, or Lifetime ISA with a minimum combined value of £10,000 or more within 120 days. T&Cs apply. Capital at risk.
Deal

Free £5 to £200 ETF share when you refer a friend

Verified Today
Free £5 to £200 ETF share when you refer a friend. Your friend will need to invest at least £100 within 7 days. T&Cs apply. Capital at risk.
Deal

Receive a £100 gift card when you sign up

Verified Today
Receive a £100 Amazon.co.uk gift card when you open a new Stocks and Shares ISA account with Fidelity with an initial sum of £5000 or more. T&Cs apply. Capital at risk.
Deal

Invite friends and get free shares up to £100

Existing customers can invite a friend and both receive fractional shares. T&Cs apply. Capital at risk.
Deal

Earn £50 when you refer a friend

Verified Today
Earn £50 when you refer a friend to IG. Get up to a total of £250 when you refer up to 5 friends. T&Cs apply. Capital at risk.

Cashback refer-a-friend bonuses

Deal

Get £5 cashback when you refer a friend

Verified Today
Get £5 cashback when you refer a friend to Quidco using your unique referral link. T&Cs apply.
Deal

Get £30 cashback when you refer a friend

Verified Today
Get up to £30 cashback when you refer a friend with TopCashback and they earn their first £10 cashback. T&Cs apply.
Deal

Get a £5 welcome bonus when you sign up

Verified Today
Get a £5 welcome bonus when you sign up to Widilo. T&Cs apply.
Deal

Free £10 when you sign-up

Verified Today
Free £10 when you sign-up to Cashback UK. T&Cs apply.

Travel card refer-a-friend bonuses

Deal

Free £10 when you refer a friend

Verified Today
To receive the £10 reward, the referee must successfully sign up and spend £100 or more using their Currensea card. T&Cs apply.
Deal

Earn £50 Curve Cash when you refer a friend

Verified Today
Earn £50 in Curve Cash when you refer a friend to Curve. Your friend must complete at least 3 purchases of minimum £5 within 7 days of creating a Curve account. Curve Cash is a Rewards & Cashback program. T&Cs apply.

Frequently asked questions

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Editor

Kate Steere is an editor at Finder, specialising in fintech, banking and cryptocurrency. She has previously written for The Motley Fool UK and Fitch Solutions, where she covered a wide range of personal finance topics and kept a close eye on market trends. Kate has a Bachelor of Arts in Modern History from the University of East Anglia. When not working, she can usually be found curled up with a good book or heading out for a run. See full bio

Kate's expertise
Kate has written 177 Finder guides across topics including:
  • Fintech
  • Banking
  • Cryptocurrency
  • Mortgages
  • Payments

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