I’m constantly on the lookout for free money offers, deals, online surveys, freebies, and money-saving opportunities from across the web. Using sign up offers and referral promotions I’ve been able to bag £100’s of free money and some pretty good freebies.
Free Money UK Offers by Category:
I’ve been doing my research and these are some of the best free money offers and instant sign up bonus offers from across the internet that allow you to claim free money, gift cards, investments, and food.
Free Money Offers: How to Get Free Money UK Edition
Free money offers – cash
Zilch Rewards – £5 Free sign up bonus
Zilch offers cashback on all purchases when you pay in full (Zilch review). The current Zilch sign up offer is £5 free to spend wherever you want. Here’s how to claim your free £5:
- Sign up using the link below.
- Verify your ID, confirm your email and add a debit card.
- Receive 500 points in your wallet, worth £5.
- Add your Zilch card to your digital wallet (e.g. Apple Pay)
- Make a tap & pay purchase to get your free £5.
Once you’ve signed up you’ll get your own referral link. Referring your friends will earn you an extra £5 per referral.
Cashback.co.uk – £5 welcome bonus + £2.50 for 3 questions
Cashback.co.uk is a task website with various free offers, trials and sign up promotions, you’ll need to complete 15 tasks to withdraw your earnings. I made £150 from this website in a matter of weeks but there’s the opportunity to earn much more.
You’ll receive £5 when you sign up & £2.50 for answering 3 questions.
OhMyDosh – £2 Welcome Bonus
OhMyDosh allows you to make extra money from home by signing up for free services and trials. I make around £10 a month from OhMyDosh‘s various offers.
You’ll also get a £2 bonus when signing up.
Cheddar – £2 bonus
Cheddar is one of my favourite cashback apps – simply connect your bank account through open banking to earn cashback when spending with selected retailers. You can also earn money by buying gift cards through the app.
Earn a £2 bonus when downloading the app and purchasing a gift card within 15 days of signing up with my invite code BEEMON1.
Chip – 5.10% interest on savings
Chip is my go to for easy access savings. Currently you can earn 4.84% AER on your savings with the Chip app + get a bonus 0.25% for 90 days when referred by a friend. Follow the steps below to claim your bonus:
- Download the Chip app
- Open the Chip Instant Access (4.84% AER) or Chip Cash ISA (5.10% AER)
- Visit the Promos & Rewards section in the profile tab
- Enter the code CHIP-DWF372
- Deposit at least £5,000 to be eligible for the bonus
View full referral terms and conditions of the referral offer.
Kroo – 4.35% interest + £10 free
Kroo is a banking app that offers 4.35% interest on your current account. You’ll also get £10 for each friend you refer to Kroo. You’ll receive your free £10 once your Kroo account is open, you have money in your account and your friend makes their first payment.
American Express (Gold Rewards) – points worth up to £150
The American Express Preferred Rewards Gold credit card welcome bonus is currently 25,000 points for new users. This one is my favourite rewards credit card as it comes packed full of perks.
There are some conditions to be aware of:
- You’ll need to spend £3,000 in three months, to get the bonus 25,000 points.
- The card is free for 1 year, but has a £195 annual fee after that – so set a reminder if you plan on canceling after 12 months (canceling is easy online or over the phone).
As well as the £150 worth of points you’ll also get £5 back on up to two Deliveroo orders each month and 4 free priority airport lounge visits. I took out my Amex card before a big purchase to increase my points.
Apply for an Amex Gold Rewards Card
American Express (Platinum Cashback) – £10 bonus + 5% cashback
Earn a £10 bonus for being invited to American Express. The bonus is rewarded when you spend over £1.
You’ll also earn 5% cashback (up to £100) for the first 3 months of Cardmembership. New Cardmembers only, T&Cs apply.
Apply for the Amex Platinum Cashback Card
Tide – £50
Tide is a UK financial technology company providing mobile-first banking services for sole traders and small businesses. It’s incredibly easy to set up your account with Tide and they’ll offer you £50 when you sign up and spend £500 on your Tide card (doesn’t have to be in one go).
Referral code: 5QJGJO
Monzo – £5 free
Monzo is an ‘online bank account’. I opened a Monzo account a few years back (see review) – it’s brilliant for sending money between friends/splitting bills and building savings pots.
You can get £5 free on debit card when you sign up using my Monzo referral link (and make a card payment within 30 days). You’ll also get access to a referral link that you can share with friends and family once you sign up.
JamDoughnut – £2 free + cashback on gift cards
JamDoughnut is one of my favourite cashback apps. If you’re familiar with cash-back sites you need this app to earn cash every time you buy a gift card. I’ve been using the app to buy prepaid gift cards for my local supermarket.
Earn 100 points worth £1 when you sign up with my JamDoughnut referral code BKHT and another 200 (£2) when you buy your first gift card through the app.
Sprive – £5 free
The Sprive app helps you to pay off your mortgage early. Using its smart calculator, it saves small regular amounts that you can later use to make mortgage overpayments (you can also withdraw this back to your bank account if you’d prefer).
You’ll get a free £5 when you sign up, use referral code ORZBFWDE and save £25 via direct debit (you can withdraw this and your free £5 at anytime).
Atoa Pay – £5 free
Atoa App is fast, safe and secure way to send and receive money. Right now, they’re offering new users £4 to link a new bank account and send their first £10. There’s a variety of ‘challenges’ in the app where you can earn more money, including:
- £3 for signing up with a referral link/code.
- £1 for sending your first £10.
- £3 for each referred friend.
- £1 for your 5th payment to a friend.
- £1 when you split a bill 3 ways.
- £50 when you refer a business.
The easiest way to claim the free £5 would be to sign up, invite a friend and then send £10 between the 2 of you 5 times. Referral code: beemoneysavvy.
Outplayed – earn £250 with matched betting
I earned £196.45 in my first month of matched betting, the process is straight forward and involves profiting from free bets. It’s risk-free way of making money and Outplayed have a brilliant free trial to help guide you through the process.
As part of this offer, if you follow their instructions correctly and don’t make at least £250, they’ll even pay you the difference!
Sign up to Outplayed free trial
Free money offers: boost your bank balance today
Free gift cards
Snoop – £5 Amazon Voucher
Download the snoop app and connect your bank account to earn yourself a £5 amazon voucher. The voucher will not be payable if you uninstall the app or remove your connected account within 14 days of connecting a bank account or credit card.
Snoop’s referral rewards program means that you can earn a further £5 gift card for each friend you invite to download the app.
Power Rewards – £1 Amazon Voucher
This offer is exclusively for people with a smart meter. Download the Power Rewards app to earn rewards based on your energy usage. You’ll also get £1 which can be used towards an Amazon voucher.
Referral code: A.J633008
Profile Pensions – £50 Free Amazon Voucher
Profile Pensions allows you to top up your pension contributions and combine your old pensions into one new online plan.
Use my promo link to sign up and get a £50 Amazon voucher once you’ve added £50 to your Profile Pensions account.
Free investments
Trading212 – Free Share £5-£100
Trading212 is a platform for trading and investing. It works similar to Freetrade and makes it super easy to invest small amounts of money. For a limited time you can get a free share when you sign up.
- Click the link below.
- Create a Trading212 Invest account.
- Deposit at least £1 into the account.
Invest Engine – ISA Bonus between £20-£2,500
InvestEngine helps individuals and businesses build and manage easy-access, globally diversified investment portfolios. Aiming to maximise returns at a risk level you are comfortable with. Top-up or transfer to InvestEngine by 30/04/24 and receive a bonus of up to £2,500 (Capital at risk, Ts&Cs apply).
Bonus tiers:
- £1,000 investment = £20 bonus
- £5,500 investment = £55 bonus
- £8,000 investment = £70 bonus
- £15,000 investment = £120 bonus
- £20,000 investment = £150 bonus
- £30,000 investment = £225 bonus
- £45,000 investment = £325 bonus
- £65,000 investment = £525 bonus
- £100,000 investment = £750 bonus
- £120,000 investment = £1,100 bonus
- £300,000 investment = £2,500 bonus
Wombat Invest – £10 Free
Wombat has made it easy to invest. They offer commission–free trading on 500+ US, UK & EU shares, and Themed Funds (ETFs). Their Funds are grouped into simple Themes made up of hundreds of big name brands. You get a £10 free bonus when you open any investment account with Wombat (choose from a Standard GIA or ISA, Junior ISA or Instant GIA). The reward must remain in your account for 90 days, and have been invested, before it can be withdrawn.
Capital at risk. FX or other fees apply. T&Cs apply. ETFs available with Standard accounts.
Penfold – £25 added to you Pension
Penfold is an award-winning low-cost pension provider that is offering a free £25 bonus pension contribution when you set up a pension and deposit £25 OR transfer an old pension to them.
Follow the steps below for the £25 free pension contribution:
- Sign up to Penfold via the link below
- Click ‘sign up’ (top of the page) & create an account
- Make a one-off £25 payment or transfer an existing pension (this is free to transfer over).
- Your bonus will be added to your pension within 7 working days.
Stake – Free Share
Download the Stake app using my referral code emmaj494 and we can both get a free stock when you fund your account with £50 within 24 hours (you can withdraw this instantly).
This took me less than 5 minutes and I got a free share in GoPro.
Free investment offers
Utilities – Free Credit
Octopus Energy – £50 Free
When you switch to Octopus energy using my referral link you’ll get £50 free credit. It’s free to get a no obligation quote. If you decide to switch, your bonus will be awarded once your switch is complete.
Octopus Energy doesn’t charge exit fees on their fixed tariffs, allowing you to lock in energy prices while still being free to leave.
Virgin Media – Up to £50 Free
Virgin Media is a telecommunications company which provides telephone, television and internet services in the UK. For the broadband speed you get, Virgin Media offers fast speeds at a good value.
If you switch to Virgin Media using my referral link you will also get £50 free. You’ll get your cash rewards once you’ve successfully had your services installed.
Three – Up to £40 Free
Three UK is another telecommunications and internet service provider based in England. They are the fourth-largest mobile network operator in the UK.
Get up to £40 when you sign up for a new phone, tablet, SIM or Home Broadband through Three.
Airtime Rewards – money off your phone bill
This app is a must have for saving money. Simply download the app and connect your payment cards, then every time you shop at selected retailers you’ll receive cashback automatically. You can use this cashback to save money on your phone bill.
Use code D4E3EPAA for a sign up bonus!
Free money off your energy bills
Free food
SHOPMIUM – Free Pringles
Shopmium gives away tons of FREE food and drinks from your local Tesco, ASDA, Sainsbury’s, Waitrose and more! All you have to do is download the Shopmium app, buy the item you want, scan the barcode, upload a picture of the receipt, and then Shopmium will put the money you spent on the item back into your PayPal account (Shopmium review)!
Of all the offers this is my favourite when it comes to free food. Use code “AEFAMUGY” when you sign up to get a bonus freebie!
GreenJinn – £1 bonus (+ freebies)
The Green Jinn app offers cashback on a range of food and drink items from all your local supermarkets. I’ve claimed £100’s worth of free food using this app.
When you sign up and use my Green Jinn promo code ‘beemoneysavvy1’ you’ll get a bonus £1 added to your first cashback withdrawal.
More Free Money Offers
Disclaimer: as these are ‘sign up’ offers you can only redeem them when you sign up, therefore, if you already have an account with them you may not be able to benefit from their free money offers. If you’ve spotted free money offers that are not yet on my list feel free to send me a message about it.