Relocating to UK

Provider

Monzo

HK$100

Monzo's referral terms give a new UK customer 30 days from entering their mobile number on the invite page to open an account, add money and make one card payment. Your reward is random: £10 for 94 people in 100, £20 or £50 for the rest, and only £5 in some cases.

Requirement: Add money (any amount) and make one eligible Monzo card payment within 30 days

Provider

Monese

HK$100

Join Monese through the fresh invite link on this page. Monese's invite terms say you get £5 after activating the physical card and making a first card payment, then another £5 after spending £500, both within a year of opening the account. Card delivery can cost £4.95 and Pay As You Go charges for transfers, so count the fees first.

Requirement: Stage 1: activate the physical card and make one card payment; stage 2: £500 of card spending or qualifying transfers, within 1 year

Provider

Wise

HK$70

Sign up to Wise through Perk's invite link and choose one gift: a free card (normally £7) or one fee-free transfer of up to £500. Wise is an e-money account for sending, spending and holding other currencies, not a bank.

Requirement: None: signing up through the invite link is enough to choose the gift

Provider

Zopa Biscuit

HK$200

Open a Biscuit bank account through Perk's Zopa invite link and you get £20, provided you've never used the Zopa app or held a Zopa product. Enter your mobile number on the invite page first and finish within 30 days; the live invite terms control.

Requirement: None on this invite: open a Biscuit account through the link within 30 days of entering your mobile number

Provider

Chase UK

HK$500

Chase pays you £50 when you activate a single-use referral code in the app and pay in £1,000 in total within 30 days of opening your first account. Chase only lets customers send codes to people they know, so request a private invite from this page rather than relying on a public code.

Requirement: Activate a personal single-use code and pay in £1,000 in total within 30 days of opening your first Chase account

Provider

Revolut

Free account

Open a free Revolut Standard account through Perk's invite link, then pass Revolut's photo ID and selfie checks. It's a multi-currency account for travel and everyday spending that holds more than 30 currencies, with Pockets, monthly budgets and free virtual cards for Apple Pay and Google Pay.

Requirement: None: the Standard plan is free

Provider

Revolut Business

Business account

Open a Revolut Business account through Perk's invite link, then pass Revolut's business and identity checks. The account is with Revolut Bank UK Ltd, a PRA-authorised UK bank, so eligible deposits are FSCS-protected up to £120,000, and it comes with team cards, international payments and exchange at the interbank rate within a monthly allowance. Company plans start at £10 a month.

Requirement: None: company plans start at £10 a month

Provider

Skrill Money Transfer

HK$100 credit

Join Skrill as a new member through a personal invite and send at least £100 abroad to earn £10 of transfer credit. The credit comes off your next eligible transfer of £100 or more (clause 3.6 also mentions use on the first, so check the checkout), expires after three months and isn't cash.

Requirement: One completed transfer of at least £100, excluding fees or taxes, to a recipient in another country; using the credit needs another eligible £100+ transfer

Provider

Zilch

HK$50

Sign up through this link and, within 30 days, verify your ID, get approved and receive your card; Zilch then adds £5 in Rewards (not cash) within 10 working days. Zilch is credit: representative APR 14.9% to 31.9% depending on your tier, credit subject to status, 18+ and UK only.

Requirement: Verify your ID, get approved and receive your card within 30 days; the referral page also asks for a first Tap and Pay purchase

Provider

Currensea

HK$100

Sign up to Currensea with code CKKYY7 and spend £100 or more in foreign currencies within 180 days of opening, and Currensea's referral page says you get £10. You need a current account at one of 14 supported UK banks (not Monzo, Starling, Revolut or Chase), and the card must stay open for 90 days.

Requirement: £100 in foreign currencies within 180 days of opening; keep the card for 90 days

Provider

Marriott Bonvoy Debit Card (Currensea)

2,000 pts

Apply for a Marriott Bonvoy Debit Card with referral code CK7LHN. Once approved, complete your first qualifying card transaction and you will receive 2,000 Marriott Bonvoy bonus points.

Requirement: First genuine card purchase; no minimum transaction amount is stated

Provider

Whatnot

£10–£200 credit

Join Whatnot as a new UK buyer through this invite to receive a randomly determined £10–£200 promotional credit. The credit applies to an eligible order subtotal; shipping, fees and taxes remain payable.

Requirement: No minimum order value; credit covers the eligible order subtotal only, not shipping, fees or taxes

Provider

Sprive

Free Sprive Plus

Sprive is an app for paying off your mortgage faster: it sets money aside by direct debit and sends it, with rewards on shopping you buy through the app, to your lender as overpayments. Join through our invite with code CPR1I93Y if your mortgage is with one of its 16 supported lenders: the invite says you get Sprive Plus free, and a first shop in the app before 3 January 2027 enters you into Sprive's Next Mortgage Payment Prize Draw.

Requirement: None: no minimum shop; a first shop in the app before 3 January 2027 enters the prize draw

Provider

Airtime Rewards

HK$20

Join Airtime Rewards with code KXLWU8VY and earn a £2 bonus when you spend £5 within 7 days at participating retailers.

Requirement: £5 spend within 7 days

Provider

Snoop

HK$50

Join Snoop through this referral link, connect a bank account or credit card by 31 January 2027 and keep it connected, with the app installed, for 28 days. Amazon then emails you a £5 voucher on or just after day 28.

Requirement: Connect a bank account or credit card by 31 January 2027 and keep it connected, with the app installed, for 28 days

Provider

Rakuten UK

HK$250

Join Rakuten UK through our link, spend £50 (excluding VAT and fees) at brands offering cashback within 90 days, link your bank account, and the £25 is added to your next Cashback payment. Amazon orders and gift cards don't count, and nor do returned, cancelled, exchanged or untracked orders.

Requirement: £50 of tracked spend excluding VAT and fees within 90 days; Amazon and gift cards excluded

Provider

TopCashback

HK$100

Join TopCashback through our link and get a £10 bonus once you've earned at least £10 of approved cashback at eligible brands within 180 days of joining. New accounts start on Plus (£5 a year, taken from your cashback); switch to the free Classic tier before you start earning if you don't want it.

Requirement: Earn £10 of approved cashback at eligible brands within 180 days of joining

Provider

Quidco

HK$100

Join Quidco, earn £5 of confirmed cashback, and get a £10 bonus. It is a low threshold, but the key word is confirmed: pending, declined or cancelled cashback will not unlock the bonus.

Requirement: £5 confirmed cashback; pending or declined cashback does not count

Provider

everup

10M coins

Join everup with referral code RJIM2190356MPLOV and unlock 10M coins the first time you redeem £10 or more of Cashback Points towards gift cards. everup is a UK gift-card cashback app offering up to 20% instant cashback at 150+ brands, with coins used for free spin and scratcher games.

Requirement: Redeem £10 or more of Cashback Points towards gift cards to unlock the 10M coins bonus (a bank cash-out doesn't count)

Provider

JamDoughnut

HK$30

Join JamDoughnut with code XKNB and your first gift-card purchase earns a 300-point (£3) first-purchase bonus, on top of the instant cashback you get when buying gift cards for brands you already shop with.

Requirement: First eligible JamDoughnut gift-card purchase

Provider

Parcel2Go

20% off, max £10

New Parcel2Go customers can use this referral to receive a voucher for 20% off their first order, capped at £10. Enter your email in the referred-friend flow, then use the voucher within one month on a qualifying first booking.

Requirement: New customers only; make a qualifying first order within one month, with the 20% discount capped at £10

Provider

OpenRent

Free listing

Use this landlord invite to create an OpenRent account and advertise a UK rental property on OpenRent for free. OpenRent does not promise an extra cash or credit reward to the invited landlord.

Requirement: Create a landlord account and list a genuine UK rental property; OpenRent-only advertising is free

Provider

Octopus Energy

HK$500

Switch to Octopus Energy through referral code teal-eve-757 and you normally get £50 energy credit on a home switch. Business and charity switches normally get £75 credit.

Requirement: Eligible Octopus Energy home, business, or charity switch

Provider

giffgaff

HK$50

Order your free giffgaff SIM card through this page to get £5 extra credit when you activate your SIM. Get in.

Requirement: Order a free giffgaff SIM through the affiliate link and activate it to receive £5 extra credit

Provider

iD Mobile

HK$350

Accept the iD Mobile invite and complete an eligible pay-monthly order through the tracked referral journey. You receive a cash reward, currently from £5 to £35 depending on the plan; the £35 reward is limited to the qualifying plan shown in the live reward table.

Requirement: Complete an eligible iD Mobile pay-monthly phone or SIM-only order; reward varies by plan

Provider

Lebara Mobile

50% off for 3 months

Order a Lebara SIM-only plan through this Refer and Earn link and the new-customer discount is applied automatically at checkout — the scheme has been advertising 50% off for the first three months. There is no code to type: the discount is carried by the link, so check the exact price shown at checkout before you order.

Requirement: Buy an eligible Lebara SIM-only plan through the referral link as a new customer

Provider

HomeServe

HK$250

Take out a selected HomeServe home cover policy through this referral link and you get a £25 Amazon.co.uk gift card, issued once you have been a HomeServe customer for at least 90 days. T&Cs apply.

Requirement: Buy a qualifying HomeServe cover policy online and stay a customer for at least 90 days with premiums paid

Provider

Raisin UK

HK$1,000

Register through our link as a new Raisin UK customer, then make your first savings account a fixed-rate bond of one year or longer with at least £10,000 in it, opened and funded within 365 days of registering. Raisin pays you £100 within 28 days of opening and funding, with no claim needed. Bond money is normally locked until maturity, so compare the rate and term first.

Requirement: At least £10,000 in one first qualifying fixed-rate bond for one year or longer, opened and funded within 365 days of registering

Provider

Wealthyhood

Invest from £1

Wealthyhood is a UK app for building a portfolio of stocks and ETFs from £1, with no commission or custody fee on its free Basic plan. There is no joining reward at the moment, so open an account through Wealthyhood's official site only if the app itself suits you. It offers a general investment account only, with no ISA. Capital is at risk.

Provider

eToro

HK$78

Register with eToro through our invite link and make a deposit: eToro's invite screen says an invited friend can get up to $10 in free stocks. The live Refer a Friend terms linked from that screen set the minimum deposit, eligibility and timing, so read them before you pay in. Capital at risk: the stocks and anything you invest can fall in value.

Requirement: A deposit after registering; eToro's live Refer a Friend terms set the amount

Provider

J.P. Morgan Personal Investing

No mgmt fee, 6 mo

Request a private J.P. Morgan Personal Investing (formerly Nutmeg) invite from this page, open your account with the same email and invest at least £500 of new money within 30 days of your first investment to get 6 months with no management fee. It is a fee waiver, not cash: fund costs and the market spread still apply, and the normal fee (0.75% a year on the first £100,000, or 0.45% for Fixed Allocation) returns after the 6 months.

Requirement: £500 of new money within 30 days of your first investment, even in a Lifetime or Junior ISA; transfers in don't count

Provider

AJ Bell

HK$1,000

Request an invite through this page. If you have never been an AJ Bell customer and get £10,000 in total into eligible accounts within 120 days of your first account application, you get a £100 Amazon.co.uk gift card by email 30 days after funding, as long as at least £10,000 is still held. AJ Bell can reclaim it within 12 months if withdrawals or transfers cut your account value by more than 75%.

Requirement: £10,000 total eligible funding within 120 days of the first account application; £10,000 still held when the voucher is issued

Provider

InvestEngine

HK$2,000

Join InvestEngine through this referral link as a new customer, open an eligible personal account (ISA, GIA or SIPP) and invest at least £100, and InvestEngine's referral terms let you claim randomly drawn funding of £20–£200. You must then keep at least £100 plus the bonus invested for 12 months.

Requirement: Invest at least £100 in an eligible personal InvestEngine portfolio (ISA, GIA or SIPP)

Provider

Moneyfarm

20% off fees, 6 mo

Sign up through our link or with code MF650641. Per Moneyfarm's in-app invite screen, you get a 20% discount on your Moneyfarm fees for 6 months once you start investing. It is a fee discount, not cash, and it doesn't reduce Share Investing charges. A managed account needs £500 to open. Capital is at risk.

Requirement: £500 minimum to open a managed account; top-ups from £100

Provider

Vitality

HK$1,000

Take out a qualifying Vitality personal health or life plan directly through this referral link and, if you and the referrer are both eligible, you could receive a £100 Amazon or John Lewis gift card. A minimum £25 monthly premium and T&Cs apply.

Requirement: Qualifying VitalityHealth Personal Healthcare or VitalityLife long-term plan with a minimum £25 monthly premium, kept active with all premiums paid for 90 days after you enter your membership number

Provider

Kinesis Money

0.5 KAG silver

Join Kinesis Money through this referral link, complete identity verification, and trade at least US$17,500 in gold, silver or any crypto asset on the Kinesis Exchange to receive 0.5 KAG, half an ounce of silver. Every trade costs 0.22%, so the fees (about US$38.50 on US$17,500) plus spread and price moves can outweigh the reward. KAG is treated as a cryptoasset and you could lose part or all of your investment.

Requirement: Complete identity checks, then trade at least US$17,500 in gold, silver or crypto on the Kinesis Exchange

Provider

Post Office Travel Money Card

HK$100

Order a new Post Office Travel Money Card through this referral link and load at least £100 within 3 months, and you get £10 loaded onto the card.

Requirement: Order a new Travel Money Card and load at least £100 within the first three loads, completed within the first 3 months

Provider

TrainPal

HK$30

Register with TrainPal invite code 880961f5$00 or the referral link to get up to £3 off a train ticket. The referral screen says you get a £3 promo code when you register.

Requirement: Current TrainPal promo-code and eligible train-ticket terms

Provider

Virgin Red

1,000 Virgin Points

Join Virgin Red, Virgin's free rewards club, through this referral link and get 1,000 Virgin Points once you earn your first Virgin Points from a qualifying earn transaction within 18 months of joining. Virgin Points can go towards Virgin Atlantic flights, Virgin Trains tickets, coffee, Percy Pigs and other rewards. The bonus arrives as a promo code that you must redeem within one month. UK residents aged 18+ only.

Requirement: One qualifying earn transaction from the Earn section of the Virgin Red app or website (not buying points, points conversions, bonuses, prize draws or games) within 18 months