Hello, my name is Alex and my current passion is free money. I love using and passing on referral codes, bank switch offers etc.
Please scroll through and look at these lovely referral links. I have tried to put as much info as possible in them but feel free to ask questions.
Some are near instant gains, some are money after 3m, 6m, 12m and even a pension offer.
There are 2 cashback sites which have different offers so sign up to both.
Steps:-
1. Click my referral link below.
2. Create a Trading212 Invest Account.
3. Deposit at least £1 into the account.
4. Get free share worth between £1 and £100
https://www.trading212.com/invite/16b6RgKO0o
If you already have an account you can just add the code to the promo box in the menu. 16b6RgKO0o
1. Sign up using my referral link below
2. Enter your phone number and then download the app.
3. Sign up and verify ID (Should be done in few mins).
4. Add money to your account and make a transaction with the free virtual card (You can top up your amazon account with £1 using the virtual card) - physical card will arrive in few days.
5. After these steps are done you should get the £5 soon.
1. Sign up using my referral link below
2. Verify your account (Passport or Driving licence will be required for this)
3. Deposit $1 (No need to invest this!)
4. Get a free share worth between $7 & $175
You must hold either the stock or the money received from selling the stock in your account for 30 days before being able to withdraw this free money to your bank account
1. Sign up using my referral link below
2. Choose the account type (GIA, ISA), investment style (I picked the GIA ambitious, ethical one - you don't have to pick indivdual shares/ETFs with Wealthify) and complete the quiz about what to invest in.
3. Deposit and invest at least £1000.
4. Keep your £1000 invested for at least 6 months.
5. You'll receive the £50 in to your investment account
1. Send me a DM or a message on "X" for my referral link, I will reply ASAP!
2. Sign up and complete your verification
3. Deposit £50 into your account within 30 days
4. You should then receive your free share within 7 to 10 days!
1. Click on my referral link below
2. Create your Penfold account
3. Top up £25 minimum or transfer in a pension.
4. £20 is awarded to your account within 7 days of paying into your pension. You get the £5 top up from HMRC in a couple of months.
1. Click on my referral link below
2. Click on ‘Get started’ on the startup page to start creating your account
3. Choose your preferred investment and finish your registration
4. Deposit / Invest £100
5. Click on the notification you get from InvestEngine notifying you of completion of steps to unlock your bonus mystery amount between £10-£50
6. The bonus will be added to your account within 5 working days
7. Remain invested for 12 months
1. Click on my referral link below
2. Browse for retailers, click on the link to their website and shop as normal.
3. You'll get the cashback into your account which you can then withdraw to your bank or Paypal once it becomes payable.
1. Sign up using my referral link below
2. Create your account.
3. Click through to your retailer's website through Quidco.
4. Once you've earned £5 confirmed cashback, your free £15 will also be credited.
5. Cash out via PayPal, Bank Transfer or a gift card for your chosen retailer.
1. Sign up through my referral link below & download the WeBull app
2, Create your account. Because this is an investment platform they require ID & your National Insurance number
3. Deposit at least £1 to your account before 20th August
4. Leave the funds in there for 180 days
After this time go to Menu > My Rewards. Tap on the free shares to reveal what you have received.
1. Sign up with my below link.
2. Download and play games.
3. Earn money.
1. Sign up using my referral link below
2. Create your account
3. 2 free tokens should be added to your account, and you can redeem these on games with the blue present symbol.
If all of your bingo squares win, you will get £10 added to your account.
1. Sign up using my referral link below
2. Verify your ID.
3. Add money to your account. (Connect to another bank account or use a bank card to add money Apple pay, Google pay or Revolut transfers don’t count)
4. Order a physical card. (Delivery costs may apply)
5. Make 3 purchases of £5 minimum using the virtual card that is included in the app or physical card. (Transfers, gift cards and gambling transactions don’t count)
1. Sign up with the below referral link
2. Create an account (You should be verified within an hour)
3. Top up your account with £5
4. Make one successful card payment – minimum £5 (or equivalent currency) transaction value
5. Get your free £20 within 30 days
Hi there! We can both earn a £10 reward when you accept my invite to PayPal and spend £5 within 30 days. Use my link:
1. Click on my referral link below.
2. Enter your postcode followed by actual energy usage information or estimated usage (Octopus will do this for you) to generate a quote.
3. Compare the estimated cost against your current provider and if the sums add up then proceed with the switch.
4. The £50 will be credited following your first payment.
Never switched a bank account before?
You should consider it. It is one of the easiest and most efficient ways of earning a little extra money. It is advised to leave your main bank account alone. Instead, switch a secondary bank account, or open a new account at your current bank to be used just for switching.
Recommended steps
1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required).
3. Add £1 to your second account. This will be transferred to your new account, allowing you to see when the switch has been completed.
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. Let the current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus..
General Bank Switch Questions ________________________________________
Current Account Switch Bribes - Why do they offer them?
They want your business. Banks like fighting each other for customers. Most of them know they can't win by highlighting their outdated systems and products, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their "main" bank account.
Can I switch any bank account to get a bribe?
No. You must switch a bank account that is part of The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, Revolut, & Monese are not included). You should try to avoid switching your main bank account. You can always open an additional account just to switch.
Is it too much hassle?
No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).
How long does a bank switch take?
Approximately one week.
Do I have to switch my main account?
You could. But you don't have to. Many people have second bank accounts. One option may be to open up a second account with your current high street bank, add some direct debits to this second account and then switch it to the new bank you want to try out. High-street banks also let you open multiple accounts. If you already have an account with one, you might want to open an additional one with your current bank first (Halifax, NatWest etc are reported to allow several current accounts and to be fast to open).
Do I need to activate the card on the account I am going to switch?
Just do it anyway. Some banks require it
What details do I need to switch?
• Sort code and account number.
• Debit card information.
• Usually, but not always, 2 active DDs on the account you are switching.
Do you need to have money in the account you are switching?
No. But it might be a good idea - this will allow you to see when the switch happens (i.e. when the money is transferred!).
I do not have a bank card with my old current account as it is very very old, can I still switch it?
Most online forms require card details, but you can usually switch such accounts over the phone.
My new bank has not given me my account number (e.g. NatWest).
Usually, these are sent via post/email when you sign up. But some banks don't have the account numbers on the card, or maybe letters get lost in the post. If this happens, wait for the card to arrive and contact their support. If you get a bot on the chat thing, type "speak to a human" repeatedly.
My new bank account is a premium account and it has a fee. Do I need to keep paying for this?
No. You can downgrade the account. But you should probably wait until you have been paid the bonus.
I don't like my new bank, do I need to wait for the bank card before switching again?
Yes. See question above. Most banks require the card details of your existing account.
I made an account just to switch. Can I switch before my new bank card arrives?
Best not to. You are asked to enter the debit card information as part of the process.
The offer says I have to pay in £xxxx. Does it have to be in one go?
No. You can transfer in and out. The total sent in has to be equal to or greater than the stated amount. You should be careful with this though, sending money in and out of an account can trigger anti-fraud measures.
The offer says I have to pay in £xxxx. Can I pay it in before the switch completes?
Yes. You can pay it before, after, or during. You can manually transfer it, or it can be transferred automatically from your old account.
I've been asked to verify my identity. Is this normal?
Sometimes automated checks fail. If this happens, you may be asked to manually verify your application by visiting a branch or sending in a copy of your ID.
I switched from Monzo/Starling and want to return, can I?
Starling does not let you return within 12 months. With Monzo, it's possibly a shorter one month that you have to wait.
Do I have to switch direct debits?
Check individual offer terms.
What is an "Active" direct debit?
An active direct debit is usually one where a payment had been taken in the last 13 months. But some bank switch terms require direct debits to have been paid out of the account. If an offer requires an active direct debit, it's safer to switch to an account that has already paid out direct debits.
What are good direct debits to set up on a second account?
There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving.
I recently switched to XXX Bank, and I do not like it. Can I switch again?
Yes. If you are not happy with the new service, you may want to switch to a new bank that will pay you to give them a try.
Do I have to stick with my new bank for any length of time?
No.
If I switch away, will the bank claw back the bonus?
Very unlikely. They would have to specify this in their terms, and none have ever done so.
My switch is complete, but I have not yet received my bonus. Will I still get the bonus if I switch this account before it is paid?
Probably not.
My most recent switch is not quite complete, but I have already received the bonus. Can I start another switch?
You should probably wait for the switch to complete.
Can I get more than one bribe from each bank?
Sometimes. With some banks (e.g. Nationwide), you can get a bonus for switching one sole and one joint current account. Other banks will pay you to switch again, as long as you have not had a bonus in a specified amount of time. You will need to check individual offer terms.
XXX Bank gave me a bonus before, can I get a bonus again?
You need to check the individual offer terms.
Will this affect my credit score?
Credit scores are a funny thing, What is more important is what is actually in your credit file. Obviously, if you apply for an overdraft then it will affect your "credit score". However, if you do not have an overdraft or you make sure that you have paid off any overdraft before switching banks, then a single current account switch should not negatively impact your credit score. Nevertheless, typically all major banks (excepting Monzo and Starling) do a hard credit search, and this will be recorded on your file. If you plan on applying for a new mortgage soon then you may wish to exercise caution in switching between a load of banks. This is because the hard searches performed by banks will appear on your report and may have an effect for 6-12 months.
Which banks do hard searches and which do soft searches??
See here. Most banks do hard searches.
• Hard searches: Bank of Scotland (first account only), Barclays, Co-op, Clydesdale, Halifax (1st account only), First Direct, HSBC, Lloyds (1st account only), Monzo, Nationwide, NatWest, RBS, Santander, TSB, Ulster, Virgin Money.
• Soft searches: Starling, Metro Bank, and Chase
I have a bad credit score, will I be accepted to XXX bank?
Unfortunately, we do not know the acceptance criteria of the banks. You might be unlucky with one bank, but lucky with another.
1. Open the account online or in branch.
2. Switch in an account from a different bank.
3. Within 30 days of the switch completing, deposit £1,000+, have 2+ direct debits or standing orders, spend on the debit card 5+ times and register for online banking.
1. Open the account online, in-person or in branch.
2. Switch in an account from a different bank within 21 days.
3. Make 5 or more debit card payments and log in to the mobile app.
4. Wait until between 15th and 25th of October for the £100 bonus to hit your account.
5. Make 20 or more payments per month using the debit card from your new TSB account in the first six calendar months for an extra £15 per month.
ALSO - check out Quidco or TopCashback for TSB as there is extra money available.
The content and materials featured on this site are for your information and education only and are not intended to address your particular personal requirements. The information does not constitute financial advice or recommendation and should not be considered as such. Conduct your own research and seek independent financial advice when required.
OH HEY, FOR BEST VIEWING, YOU'LL NEED TO TURN YOUR PHONE
