Best UK referral codes for September 2026
Every refer-a-friend offer worth using, compared side by side. Earn cashback, bill credit, free shares and gift cards from trusted UK brands.
All UK referral codes compared
Sorted by my rating, which rates the deal: the reward against what you have to do to earn it. Trustpilot rates the company, and the two disagree often. Click any row for full details and the referral link.
| Company | Reward |
|---|---|
 Octopus Energy | £50 account credit |
 E.ON Next | £50 retail voucher |
 Monzo | £10, £20 or £50 (random) |
 EDF | £50 in bill credit |
 Motorway | £50 Amazon gift card |
 Hyperoptic | An Amazon, Tesco or John Lewis voucher worth £25, £40, £50 or £75, set by speed and contract length |
 Quickline | £100 |
 VOXI | Amazon, PayPal, or Just Eat voucher up to £40 (doubled until 7 Oct 2026) |
 Yonder | Up to 20,000 bonus points + £10 off + 2 months free (Full credit; up to 10,000 points on Full debit) |
 Surfshark | 1 free month on the 1-month plan, or 3 free months on the 12 or 24-month plan |
 toob | £25 gift card |
 InvestEngine | Bonus worth £20–£200 (randomly generated) |
 Tide | £100 account credit |
 THE OUT | £50 off first booking |
 Airband | £50 |
 Zzoomm | £75 in cash |
 Freetrade | Free share worth £10–£100 |
 TopCashback | £10 sign-up bonus |
 Proton | $20 off your first paid plan (Mail, VPN, Drive, Pass or the full suite) |
 BA Amex | 15,000 Avios points |
 giffgaff | £5 in giffgaff credit |
 Quidco | £10 bonus |
 Incard | Boosted 2x cashback for 60 days + fast-tracked review |
 Ledger | $5 to $20 in Bitcoin, depending on the device |
 Rakuten | £25 bonus |
 Zilch | £5 in Zilch rewards |
 Bitrefill | $5 in Bitcoin |
What changed, and when
Every brand above is re-checked once a week: against its own published terms where the brand publishes any, and against the live sign-up flow in every case. 9 changes have been recorded since 3 June 2026. The date is the day the weekly pass caught the change, which can trail the day the brand made it: VOXI’s Double Rewards window opened on 7 July 2026 and was recorded on the 9th.
| Recorded | Brand | Change |
|---|---|---|
| Monzo | Your reward: £20, £50 or £100 (random) → £10, £20 or £50 (random)Version 4.0 of Monzo's personal referral terms, dated 13 August 2026, folded the randomised reward into the main terms and cut every tier by one step, on unchanged odds of 94%, 5% and 1%. The average falls from £22.30 to £10.90. The same version adds a clause paying a flat £5 to each side where the referrer holds a Monzo Business account alongside a current one, which is the clause our previous link was on. Nothing else moved: same 30-day window, same one card payment of any amount, same payment to both sides within days, same bar on anyone who has held a Monzo account before. | |
| Monzo Business | Sharing limit: 10 people per link per calendar month → No limitVersion 2.0 of the business referral terms, dated the same day, kept the cap of 3 rewards a month and the 7-day account age but deleted the per-link sharing cap that sat beside them. The £50 for a referred business account and the £10 for a referred current account did not move. | |
| giffgaff | Your reward: £10 credit → £5 creditThe August Double Reward window closed on the date its terms named and both sides returned to the standard £5. Nothing under it moved: same £8 minimum goodybag, same payment on activation, same six-month Payback cycle. | |
| BA Amex | Your reward: 6,000 Avios → 15,000 AviosRead on Seb's own referral screen. Amex labels it limited-time and publishes no end date, and the £2,000 spend in three months did not move with it. | |
| giffgaff | Your reward: £5 credit → £10 creditMGM Double Reward, for SIMs activated between 1 and 31 August 2026 only, capped at 15 joiners. The standard £5 sits unchanged underneath it. | |
| VOXI | Your reward: Voucher up to £20 → Voucher up to £40Double Rewards reopened for referrals made between 7 July and 7 October 2026. The £20 standard cap is unchanged underneath, and this is the second time the pass has seen the pair flip. | |
| Starling Bank | Scheme status: Active → PausedStarling moved to a £25 trial scheme that issues codes only to customers it invites. Not a withdrawal, but there is no code to give, so the page carries none. | |
| VOXI | Your reward: Voucher up to £40 → Voucher up to £20The first Double Rewards window closed and the cap returned to its standard £20. | |
| Tide | Your reward: £50, no spending requirement → £100, spend £500 on the Tide card within 90 daysTide doubled the amount and added a spending gate in the same revision of its terms, which is why the headline figure alone reads as a straight improvement and is not one. |
Both tables on this page are published as CSV under CC BY 4.0 (opens in new tab): the full index (29 brands, one row each, carrying the page on the brand’s own site every figure was read from) and the change log (9 rows). Use either with attribution to Referral Plug and a link back.
Every referral offer explained
Get £50 when you switch energy supplier to Octopus Energy. Or, get £75 when you switch your business over.
| Your reward | £50 account credit |
| Friend’s reward | £50 account credit |
| Requirement | Switch energy supply to Octopus |
| Time to receive | After first direct debit payment |
| Referral limit | Unlimited |
Get a £50 retail voucher when you switch energy supplier to E.ON Next
| Your reward | £50 retail voucher |
| Friend’s reward | £50 retail voucher |
| Requirement | Switch energy supply to E.ON Next |
| Time to receive | About 4 weeks after first direct debit payment |
| Referral limit | 5 per day / 25 per year (£1,500 annual cap) |
Get a random £10, £20 or £50 when you join Monzo via a referral link
| Your reward | £10, £20 or £50 (random) |
| Friend’s reward | £10, £20 or £50 (random) |
| Requirement | Make a card payment within 30 days |
| Time to receive | Within days of first card payment |
| Referral limit | Up to 100 referrals at the random reward, then £5 each |
Get £50 in bill credit when you switch your home energy to EDF
| Your reward | £50 in bill credit |
| Friend’s reward | £50 in bill credit |
| Requirement | Switch a residential energy supply to EDF and make a payment |
| Time to receive | About four weeks after you join, once you and the referrer have each made a payment |
| Referral limit | No limit stated by EDF |
Get a £50 Amazon gift card when you sell your car
| Your reward | £50 Amazon gift card |
| Friend’s reward | £50 Amazon gift card |
| Requirement | Successfully sell your car through Motorway |
| Time to receive | Within 7 days of sale completing |
| Referral limit | Unlimited |
Get an Amazon, Tesco or John Lewis voucher worth £25 to £75 when you join Hyperoptic through a referral link, with the amount set by your speed and contract length
| Your reward | An Amazon, Tesco or John Lewis voucher worth £25, £40, £50 or £75, set by speed and contract length |
| Friend’s reward | The same voucher, at the same tier: both sides always get the identical amount |
| Requirement | Order a residential or business package as a new customer, directly with Hyperoptic, selecting “I was referred” and entering the code |
| Time to receive | After your service has been active for 30 days, and within 90 days of activation |
| Referral limit | 20 referrals a year, up to £1,500 |
Get £100 when you join Quickline through a referral link, with the same £100 going to the person who referred you and no limit on how many referrals either of you make
| Your reward | £100 |
| Friend’s reward | £100, the same amount |
| Requirement | Order online as a new customer on a 24-month home broadband contract, at a different address to the referrer |
| Time to receive | Both sides become eligible once the connection has been live for 21 days |
| Referral limit | No limit: “As many as you like, there is no limit!” |
Get an Amazon, PayPal, or Just Eat voucher worth up to £40
| Your reward | Amazon, PayPal, or Just Eat voucher up to £40 (doubled until 7 Oct 2026) |
| Friend’s reward | Amazon, PayPal, or Just Eat voucher up to £40 (doubled until 7 Oct 2026) |
| Requirement | Stay active for 2 months |
| Time to receive | After second monthly payment |
| Referral limit | Unlimited (capped at £2,000 in rewards per year) |
£10 off your first purchase, two months free on Full, and up to 20,000 bonus points
| Your reward | Up to 20,000 bonus points + £10 off + 2 months free (Full credit; up to 10,000 points on Full debit) |
| Friend’s reward | 10,000 points (Full sign-up) or 1,000 points (Free sign-up), once you have made five purchases |
| Requirement | Approved for a Yonder Free or Full card, credit or debit |
| Time to receive | Tiered welcome points awarded as spend hits £200 / £500 / £1,000 in first 30 days |
| Referral limit | Unlimited |
Get up to 3 free months of Surfshark VPN when you sign up using a refer-a-friend link.
| Your reward | 1 free month on the 1-month plan, or 3 free months on the 12 or 24-month plan |
| Friend’s reward | Up to 3 free months, or a cash commission (up to ~$38) via PayPal |
| Requirement | Friend signs up to a paid Surfshark plan |
| Time to receive | After your friend stays subscribed for 31 days |
| Referral limit | Unlimited |
Get a £25 gift card when you join toob through a referral link, with the same £25 going to the person who referred you and no limit on referrals
| Your reward | £25 gift card |
| Friend’s reward | £25 gift card, the same amount |
| Requirement | Order a 12 or 24-month toob home broadband contract as a new customer, at a different address to the referrer |
| Time to receive | Eligible after 14 days live, with the reward-selection email up to 30 days from install |
| Referral limit | No limit: toob's FAQ says “As many as you wish!” |
Get an investment bonus worth between £20 and £200
| Your reward | Bonus worth £20–£200 (randomly generated) |
| Friend’s reward | Bonus worth £20–£200 (randomly generated) |
| Requirement | Invest at least £100, kept invested for 12 months |
| Time to receive | Typically within 2 business days of investing £100 |
| Referral limit | 25 friends per offer |
Get £100 when you open a Tide account and spend £500 in 90 days
| Your reward | £100 account credit |
| Friend’s reward | £100 account credit |
| Requirement | Spend £500 on the Tide card within 90 days |
| Time to receive | Within 8 weeks of spending £500 |
| Referral limit | Unlimited |
Get £50 off your first booking with THE OUT, Jaguar Land Rover's premium app-based car hire service.
| Your reward | £50 off first booking |
| Friend’s reward | £50 account credit |
| Requirement | Make one booking with THE OUT |
| Time to receive | As soon as the first booking is made |
| Referral limit | Unlimited |
Get £50 when you join Airband through a referral link, with the same £50 going to the person who referred you, once you have been installed for 30 days and paid your first invoice
| Your reward | £50 |
| Friend’s reward | £50, the same amount |
| Requirement | Order through the referral link, register the rewards account from the order email, get installed, and pay your first invoice |
| Time to receive | After 30 days as a customer and your first paid invoice, then up to 5 working days once a payment option is chosen |
| Referral limit | No limit: “Unlimited referrals are allowed, but only one reward per referred friend” |
Get £75 in cash to your bank account when you join Zzoomm through a referral link, with the same £75 going to the person who referred you
| Your reward | £75 in cash |
| Friend’s reward | £75 in cash, rising to £100 per referral for a referrer past five referrals |
| Requirement | Order through the referral link, stay connected 15 days, and pay the first bill by direct debit |
| Time to receive | Installed 15 days and first bill paid by direct debit, then confirmation from 60 working days after that payment |
| Referral limit | No limit: “You can recommend as many friends as you'd like” |
Get a free share worth between £10 and £100
| Your reward | Free share worth £10–£100 |
| Friend’s reward | Free share worth £10–£100 |
| Requirement | Deposit at least £50 in your first 30 days |
| Time to receive | Usually 7 to 10 days after your £50 deposit qualifies |
| Referral limit | Up to 10 free shares per calendar month |
Get a £10 sign-up bonus when you join TopCashback through a referral link, released once you have earned £10 of cashback on your own shopping.
| Your reward | £10 sign-up bonus |
| Friend’s reward | £20 to £30, set by the campaign live when you join and by the referrer's membership tier (£25 for a Plus member under the terms running to 22 September 2026) |
| Requirement | Earn £10 of cashback from your own purchases; the sign-up bonus does not count towards it, and some retailers are excluded |
| Time to receive | Once you have earned £10 of cashback, so it depends on how much you shop rather than on a fixed clock |
| Referral limit | No cap on referrals stated in the campaign running to 22 September 2026 |
Get $20 off your first paid Proton plan when you sign up with a referral link, across encrypted Mail, VPN, Drive, Pass or the full suite.
| Your reward | $20 off your first paid plan (Mail, VPN, Drive, Pass or the full suite) |
| Friend’s reward | $20 in Proton credit, usable on any Proton subscription |
| Requirement | New customer subscribes to a qualifying paid Proton plan |
| Time to receive | After the new customer's first full month on a paid plan (two months on monthly plans) |
| Referral limit | Referrer credit caps at $1,000 (about 50 referrals) |
Get 15,000 Avios points when you spend £2,000
| Your reward | 15,000 Avios points |
| Friend’s reward | Varies by card |
| Requirement | Spend £2,000 in first 3 months |
| Time to receive | After spending £2,000 in 3 months |
| Referral limit | Up to 15 referrals per year |
Get £5 giffgaff credit when you activate a new SIM
| Your reward | £5 in giffgaff credit |
| Friend’s reward | £5 Payback (paid every 6 months) |
| Requirement | Activate a SIM with a goodybag (minimum £8) |
| Time to receive | £5 on activation; referrer Payback paid every 6 months |
| Referral limit | Unlimited |
Get a £10 bonus when you join Quidco through a referral link, released once you have earned £5 of confirmed cashback on your own shopping.
| Your reward | £10 bonus |
| Friend’s reward | £25 (the amount Quidco advertised in-account on 7 August 2026, and the amount it actually paid me a week earlier) |
| Requirement | Earn £5 of confirmed cashback from your own purchases, spreadable across several; gift cards, Bonus Cashback promotions and no-spend purchases such as free SIMs, surveys and insurance quotes do not count |
| Time to receive | Once you have earned £5 of confirmed cashback, with no deadline stated, so it depends on how much you shop |
| Referral limit | No cap stated, though Quidco terminates accounts it finds have been multiplied to farm the bonus |
Boosted (2x) cashback for your first 60 days, plus a fast-tracked application review
| Your reward | Boosted 2x cashback for 60 days + fast-tracked review |
| Friend’s reward | £250, paid when you deposit £10k within 90 days |
| Requirement | Business account; £10k deposit within 90 days for the referrer bonus |
| Time to receive | Up to 90 days (referrer bonus gated on the £10k deposit) |
| Referral limit | Not publicly stated |
Get $5 to $20 in Bitcoin when you buy a Ledger, depending on the device
| Your reward | $5 to $20 in Bitcoin, depending on the device |
| Friend’s reward | $5 to $20 in Bitcoin, depending on the device |
| Requirement | Buy a Ledger at full price (not during a sale) |
| Time to receive | Claimed after the 30-day cancellation window; paid a few days later |
| Referral limit | Up to $1,000 in rewards per year |
Get £25 when you join Rakuten through a referral link and spend £50 on qualifying cashback purchases within 90 days.
| Your reward | £25 bonus |
| Friend’s reward | £25 bonus, on the same £50 qualifying spend by the new member |
| Requirement | The new member spends £50 excluding VAT on purchases that earn cashback, within 90 days of joining, splittable across brands and orders; Amazon and gift cards do not count, and both people need a bank account linked to their Rakuten account |
| Time to receive | Generally within 90 days of the qualifying purchase, then added to your next Cashback payment, which goes out monthly |
| Referral limit | Unlimited. Rakuten's terms say you may qualify for a referral bonus more than one time, and the page says bonuses are unlimited |
Get £5 off your first purchase
| Your reward | £5 in Zilch rewards |
| Friend’s reward | £5 in Zilch rewards |
| Requirement | Sign up, verify identity, and be issued a Zilch card |
| Time to receive | Within 10 working days of approval |
| Referral limit | Unlimited |
Get $5 in Bitcoin when you spend $200
| Your reward | $5 in Bitcoin |
| Friend’s reward | $5 in Bitcoin |
| Requirement | Spend $200 on gift cards or services |
| Time to receive | After spending $200 on the platform; reviewed and credited every 10 days |
| Referral limit | Unlimited |
How to get the most from referral codes
Referral codes are one of the easiest ways to save money when signing up for a new service. Every company on this page runs an official refer-a-friend programme that rewards both the new customer and the person who referred them.
The key principle is simple: only use a referral code for a service you were already planning to use. Switching energy supplier? Use an Octopus or E.ON referral for £50 off your bill. Opening a new bank account? Use the Monzo referral for a random £10, £20 or £50 (my Monzo mystery reward guide has the odds), and see my best UK bank referral bonuses roundup for how every banking scheme compares. Taking that card abroad? My best bank for travel abroad comparison covers which card to spend on and which to withdraw cash with. Applying for a rewards credit card? The BA Amex referral is 15,000 Avios once you spend £2,000 in the first three months, on a card with no annual fee. Opening a business account as a sole trader or limited company? Tide pays £100 in business account credit once you spend £500 on the Tide card within 90 days, the largest guaranteed reward for a business account here. Changing SIM? giffgaff refer a friend pays account credit as soon as you activate the SIM, and VOXI refer a friend pays a gift card after your second monthly payment. The referral reward should be a bonus on top of a decision you have already made, not the reason for the decision itself.
If you spot something out of date, tell me. Everything the weekly re-check has caught is in the change log above, dated.
Referral code FAQ
Are referral codes free to use?
Yes. Using a referral code costs you nothing. You simply sign up through the referral link instead of going directly to the company's website. The reward is funded by the company as a customer acquisition cost.
How do I know if a referral code is legitimate?
All referral codes on Referral Plug are genuine refer-a-friend links from real customers. Each company listed here has an official referral programme. You can verify this by checking the company's own website for their refer-a-friend terms.
What are the best UK referral codes in 2026?
The highest-value UK referral codes in 2026 include Octopus Energy (£50 bill credit), E.ON Next (£50 retail voucher), Motorway (£50 Amazon gift card), Tide (£100 business account credit), and the BA American Express card (15,000 Avios). The best one for you depends on which services you actually need.
Can I use multiple referral codes?
You can use one referral code per company (for your initial sign-up). However, you can use referral codes from different companies; for example, switching energy with an Octopus referral and opening a bank account with a Monzo referral.
Do referral rewards expire?
Referral programmes can change or end at any time. The rewards listed on this page are current as of the date shown, but always check the company's terms before signing up. I update this page regularly to keep it accurate.
Do I need to be a UK resident?
Most referral codes on this page are for UK-based services and require a UK address, bank account, or phone number. Some services like Bitrefill and Ledger work internationally.
How much can I earn from referral codes?
If you used every referral code on this page, you could earn over £500 in combined rewards. In practice, you should only sign up for services you genuinely need; the referral reward should be a bonus, not the reason for switching.
Referral Plug founder · Personal finance writer and UK consumer savings specialist
I specialise in finding people the best deals to cope with the ever-increasing cost of living. I like to review companies from everyday industries like banking and energy and try to provide a fresh mix of facts and unbiased opinions.
Last verified: 7 September 2026