Banking referral codes & offers
6 live offers
UK banks pay some of the most generous referral bonuses around — often £25 to £200 in real cash simply for opening an account and meeting a few simple conditions, like paying in a minimum amount or making a handful of card payments. Digital banks in particular use refer-a-friend schemes instead of TV advertising, which is why the bonuses stay so strong. Below you'll find every current banking referral offer we track, what you need to do to qualify, and how long each bonus usually takes to land in your account.
Lloyds Bank
Banking
£30 free
Get £30 paid into your new account when you open your first Lloyds current account through a friend's referral link — no switch, minimum pay-in or direct debits needed.
No code neededUpd 27 Sept
Claim offer
Monzo
Banking
Mystery £10–£50
Get a random reward of £10, £20 or £50 paid into your new account when you sign up through a referral link and make one card payment (no minimum amount) within 30 days. Monzo won't tell you which amount you've won until the referral completes.
04dcfzn9Upd 15 Sept
Claim offer
American Express
Banking
75,000 points
Apply for The Platinum Card via a referral link and earn 75,000 Membership Rewards points after qualifying spend — the friend who referred you earns bonus points too.
No code neededUpd 28 Aug
Claim offer
Revolut
Banking
£10 bonus
Receive a £10 bonus when you open a Revolut account via a referral link.
chiach9xi!JUL2-26-AR-H2Upd 28 Aug
Claim offer
Wise
Banking
Fee-free first transfer
Sign up through a referral link and Wise waives its transfer fee on your first international transfer, valid for 6 months — you still get the real mid-market exchange rate either way.
No code neededUpd 28 Aug
Claim offer
Starling Bank
Banking
£25 free
The Starling referral bonus pays £25 when you open a Starling personal account via a referral link and deposit at least £50 within 14 days.
IPG1IKKUpd 24 Aug
Claim offer
Elsewhere in the book
Explore other categories
New to referral schemes? Start with our guide to how referral codes work.