4 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.
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.
Monzo
Banking
£25 free
Get £25 paid into your new account when you sign up through a referral link and make one card payment within 30 days.
Revolut
Banking
£10 bonus
Receive a £10 bonus when you open a Revolut account via a referral link.
Starling Bank
Banking
£25 free
Receive £25 when you open a Starling personal account via a referral link and deposit at least £50 within 14 days.
Elsewhere in the book
New to referral schemes? Start with our guide to how referral codes work.