Starling Referral Bonus — £25 free

The Starling referral bonus is £25 free when you deposit £50 within 14 days of opening a personal current account through a referral link — on top of an award-winning account that's slightly larger than most digital rivals' sign-up rewards. The catch — and it's a small one — is a £50 minimum deposit within your first two weeks, though that money stays yours to spend or withdraw. What you get in return is a genuinely full-featured account: interest paid on balances, fee-free overseas spending, joint accounts, and some of the best money-management tools in UK banking, including virtual cards for budgeting categories. Starling runs this scheme through personal links rather than codes, so there's nothing to type at sign-up; the reward tracks automatically once your deposit clears.