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.
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.
£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.
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.
£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.
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
Dealexclusive
Get a sign-up bonus of £20
Verified Today
Minimum spend of £20 to receive the welcome offer. T&Cs apply.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
There’s typically no impact on your credit score just from accepting a sign-up bonus or earning rewards using your account.
However, if you’ve switched current accounts to secure the offer or reward, this can affect your credit score. But only temporarily.
When you open a new account, banks tend to do a “hard” credit search, which will show on your credit file. This will reduce your credit score very slightly, but the effect is short-lived. We have a full guide on this.
You can switch a joint account to another joint account as long as the other person agrees. You can also switch from a single account to a joint account, but not the other way around.
Yes, lots! If you’re in the market for a student account, you’ll find lots of big names offering accounts packed with rewards, including free railcards, vouchers, generous overdraft terms and cash incentives. We have a full student bank account comparison here.
Beyond cash switching incentives, there are other rewards on offer. Some banks offer a welcome cash deal just for opening an account. Others have a high interest rate on credit balances or linked savings accounts. You’ll also find cashback deals available and ongoing monthly reward programmes.
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.
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:
Wise and Starling offer a different range of features because they’re both different financial products. See how they compare for travel and spending abroad.
Is the digital-only bank the right option for you? Read our review to get the low-down on all of Starling’s features and benefits. We cover everything from Starling’s overdraft service to whether the card can be used abroad.
Is Revolut’s app-only account the solution for you? Our review of this challenger banking brand explores the features and fees of its free Standard plan, and outlines the other Revolut accounts available.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.