UK Refer-a-Friend Index
What each side gets from 68 UK refer-a-friend schemes. Last read on 2 November 2026.
I list 27 of these brands: the name links to my page for that brand, which carries my referral link while the scheme is live, and I get a reward when someone signs up through it. The other 41 are schemes I track from their public terms: the name links to those terms, I publish no code or rating for them, and a row claims only what the terms said on the date shown.
Rows run alphabetically within each category, so nothing here is ranked. The log of every change follows the tables.
Banking
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| ANNA Money terms (opens in new tab)Checked | Usually one month without the account fee | Usually one month without the account fee | The friend opens an ANNA business account with the referrer's code or page and meets the qualifying conditions. | No limit | Checked |
| Barclays terms (opens in new tab)Terms end date: 31 Oct 2026Checked | £50 | £50 | By invitation: Barclays emails the referrer a code. The friend, new to Barclays current accounts, opens a sole Barclays Bank Account or Premier Current Account in the app, then pays in £1,500 and makes 3 debit card payments within 30 days. | 5 rewards | Checked |
| Capital on Tap terms (opens in new tab)Checked | A referral bonus; the amount is not restated | £75 off the card balance, or 7,500 points | The friend, a UK business owner new to Capital on Tap, is approved for a business credit card through the referrer's link and makes a transaction within 30 days of activating it. | 10 a calendar month, 100 in total | Checked |
| Chase terms (opens in new tab)Checked | £50 in rewards balance | £50 in rewards balance | Chase tells the referrer when they are eligible. The friend opens a first Chase account, enters the referrer's single-use code in the app and deposits £1,000 within 30 days. | 5 codes | Checked |
| Chip terms (opens in new tab)Terms end date: 31 Oct 2026Checked | £50 | £50 | The friend deposits £1,000 into an eligible Chip savings or investment account and holds it for 90 days, all within 120 days of being referred. | No limit | Checked |
| Currensea terms (opens in new tab)Checked | £10 | £10 | The friend spends £100 abroad on their new Currensea card. | Not stated | Checked |
| GoCardless terms (opens in new tab)Checked | £100 | £100 | The friend, new to GoCardless, signs up through the referrer's link and processes £2,000 in payments. | No limit | Checked |
| IncardVerified | Boosted 2x cashback for 60 days + fast-tracked review | £250, paid when you deposit £10k within 90 days | Business account; £10k deposit within 90 days for the referrer bonus | Not publicly stated | Verified |
| Lloyds Bank terms (opens in new tab)Checked | £30 | £30 | The friend, new to Lloyds, opens a sole Lloyds current account in the app within 14 days of the referrer's link. Halifax current account holders can refer too. | 5 paid referrals a calendar year | Checked |
| MonzoVerified | £5, £10 or £20 (random) | £5, £10 or £20 (random) | Make a card payment within 30 days | Up to 100 referrals at the random reward, then £5 each | Verified |
| OakNorth terms (opens in new tab)Checked | £30, plus £10 for a second account within 90 days | £30, plus £10 if the friend opens a second account within 90 days | The friend opens an OakNorth Personal Savings account, funds it with £2,000 within 14 days and keeps £2,000 in it for 30 days. | 10 rewards (£300) | Checked |
| Raisin UK terms (opens in new tab)Checked | £100 | £100 | The friend opens a fixed rate bond of 1 year or longer and funds it with at least £10,000 in a single account. | Not stated | Checked |
| Revolut terms (opens in new tab)Checked | Not stated | Set in the invitation email; sometimes £10, £25, £50, £100 or £200 at random (odds 60%, 26%, 10%, 3%, 1%) | By invitation: Revolut emails selected customers. The friend opens a first Revolut Personal account by the referrer's link, tops up from another bank, orders a physical card and makes the card payments the email sets, before its end date. | Set in the invitation email | Checked |
| Skipton International terms (opens in new tab)Checked | £100 on a mortgage, £50 on a savings account | £100 on a mortgage, £50 on a savings account | The friend completes a UK buy-to-let, Guernsey or Jersey mortgage, or opens an offshore savings account with new money, sending the paper referral form within 30 days of applying. | No limit | Checked |
| Starling BankVerified | Paused | Paused | Starling is trialling a new refer-a-friend scheme paying both sides £25 (since March 2026), and it issues codes only to customers it invites into the promotion. We haven't been invited, so there's no Starling code on this page. | Paused | Verified |
| SumUp Pay terms (opens in new tab)Checked | A referral bonus; the amount is not stated | Up to £100 across 10 referrals | The friend enters the code before or within 30 days of verifying their account, passes identity checks and makes three in-store card payments totalling £10. | 10 redemptions | Checked |
| Tembo terms (opens in new tab)Checked | The same savings reward; £50 for mortgages | £10 to £1,000 at random for savings; £50, plus £100 on completion, for mortgages | Savings: the friend opens a Tembo Cash ISA, Lifetime ISA or HomeSaver and pays in £500 within 30 days. Mortgages: the friend completes a first chat with a Tembo broker. | 5 savings rewards a month | Checked |
| TideVerified | £100 account credit | £100 account credit | Spend £500 on the Tide card within 90 days | 5 referrals a month, and one reward per business | Verified |
| TransferGo terms (opens in new tab)Checked | Not stated | £20, sometimes up to £30 or £50 | The friend signs up with the referrer's code and sends £100 internationally, to another person in another currency, within six months. | No limit | Checked |
| Tyl by NatWest terms (opens in new tab)Checked | £50 invoice credit | £50 invoice credit | By invitation: Tyl emails the merchant a code. The referred merchant, not with Tyl in the last 12 months, quotes it within 21 days of approval and processes £100 of card payments in their first 3 months. | 20 a calendar year | Checked |
Energy
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| BoilerJuice terms (opens in new tab)Checked | £15 off a first order | £15 heating oil voucher | The friend places a first heating oil order with the referrer's code. | No limit | Checked |
| British Gas terms (opens in new tab)Checked | £25 voucher per fuel (£50 for both) | £25 voucher per fuel (£50 for both) | The friend switches gas, electricity or both to British Gas through the referrer's link. | No limit | Checked |
| E.ON NextVerified | £50 retail voucher | £50 retail voucher | Switch energy supply to E.ON Next | 5 rewards per day / 25 per year (£1,250 a year at £50 each) | Verified |
| Ecotricity terms (opens in new tab)Checked | £25 credit for a variable tariff, £10 for fixed or pay as you go | £25 credit for a variable tariff, £10 for fixed or pay as you go | The friend switches to Ecotricity with the referrer's code. Pay as you go customers get a John Lewis voucher instead of credit. | No limit | Checked |
| EDFVerified | £50 in bill credit | £50 in bill credit | Switch a residential energy supply to EDF and make a payment | No limit stated by EDF | Verified |
| EnergyCoop terms (opens in new tab)Checked | Not stated | £25 credit per dual-fuel switch in the terms, £20 on the scheme page; half for one fuel | Customers who are also members refer a friend who switches online to an EnergyCoop tariff, giving the referrer's account number. | No limit | Checked |
| Fuse Energy terms (opens in new tab)Checked | £100 bill credit | £100 bill credit | The friend, new to Fuse and not via a comparison site, signs up with the referral code during a live campaign, takes an electricity import or gas supply and pays the first month's bill on time. Export supplies don't count. | Not stated | Checked |
| Good Energy terms (opens in new tab)Checked | £50 credit | £50 credit | The friend switches supply to Good Energy with the referrer's link. Credit lands on their first Direct Debit and can be taken back if they leave within six months. | No limit | Checked |
| Heatable terms (opens in new tab)Checked | Money off the order, equal to the referrer's reward | Up to £250 cash | A Heatable customer refers a friend for an install, such as a new boiler or solar. It pays once the install is complete. | Not stated | Checked |
| Octopus EnergyVerified | £50 account credit | £50 account credit | Switch energy supply to Octopus | Unlimited | Verified |
| Sainsbury's Energy terms (opens in new tab)Checked | £30 voucher | £30 voucher | The friend switches through the referrer's link and pays a first Direct Debit. | 5 a day, 25 or £1,500 in 12 months | Checked |
| ScottishPower terms (opens in new tab)Checked | £60 credit for both fuels, £30 for one | £60 credit for both fuels, £30 for one | The friend switches through the referrer's link and stays on supply for 28 days. | No limit | Checked |
| So Energy terms (opens in new tab)Checked | £50 credit | £50 credit | The friend, new to So Energy, switches with the referrer's link. Credit lands when their supply starts. | No limit | Checked |
| Sunsave terms (opens in new tab)Checked | £250 off a solar system | £250 | The friend, a UK resident new to Sunsave, signs up with the referrer's link and has a Sunsave solar system installed. | No limit | Checked |
| Utility Warehouse terms (opens in new tab)Checked | £50 bill credit | £50 bill credit | The friend, a new customer and homeowner at a different address, has at least two services (energy, broadband, boiler and home cover, mobile) live when their second bill is processed. | Not stated | Checked |
Investing and crypto
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| BitrefillVerified | $5 in Bitcoin | $5 in Bitcoin | Spend $200 on gift cards or services | Unlimited | Verified |
| Interactive Investor terms (opens in new tab)Checked | 6 months without account fees | £200 | The friend opens a SIPP, Stocks & Shares ISA or Trading Account through the referrer's link and funds it with £5,000 within a year. | No limit | Checked |
| InvestEngineVerified | Bonus worth £20–£200 (randomly generated) | Bonus worth £20–£200 (randomly generated) | Invest at least £100, kept invested for 12 months | Your first 25 referrals | Verified |
| LedgerVerified | $5 to $20 in Bitcoin, depending on the device | $5 to $20 in Bitcoin, depending on the device | Buy a Ledger at full price (not during a sale) | Up to $1,000 in rewards per year | Verified |
| PensionBee terms (opens in new tab)Checked | Not stated | £100 | The friend opens a PensionBee account through the referrer's link, and both accounts hold £100. | 50 referrals | Checked |
| Robinhood UK terms (opens in new tab)Checked | 1 fractional share | 5 fractional shares, value varies | The friend, a UK resident, opens a Robinhood UK brokerage account, is approved, links a bank and makes a deposit within 14 days. | $1,500 of stock a year | Checked |
| Trading 212Verified | Paused | Paused | Trading 212's referral runs in campaigns and its links expire when each one ends. The latest window is 21 September to 3 November 2026, and the next campaign brings a new link. | Paused | Verified |
| Wealthify terms (opens in new tab)Checked | £50 | £50 | The friend invests £1,000 in a Stocks and Shares ISA or Junior ISA, or £5,000 in a General Investment Account or SIPP, within six months and keeps it there for six more. | 50 referrals | Checked |
Mobile
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| Affordable MobilesVerified | Paused | Paused | Paused | Paused | Verified |
| giffgaffVerified | £5 in giffgaff credit | £5 Payback (paid every 6 months) | Activate a physical SIM with a first goodybag or top-up | Unlimited | Verified |
| Honest Mobile terms (opens in new tab)Checked | £5 credit | £5 credit | The friend activates their first SIM through the referrer's link. | Not stated | Checked |
| iD Mobile terms (opens in new tab)Checked | £5 to £35 cashback by plan | £5 to £35 cashback by plan | The friend buys a 24-month phone plan or SIM-only deal on idmobile.co.uk through the referrer's link and pays two bills. Upgrades don't count. | No limit | Checked |
| Lebara terms (opens in new tab)Checked | 50% off the first 3 months | £10 to £50 cash by plan | The friend buys a 30-day or 12-month SIM-only plan through the referrer's link. | Not stated | Checked |
| SMARTY terms (opens in new tab)Checked | £5, £10 or £20 by plan, in PayPal or a gift card | £5, £10 or £20 by plan, in PayPal or a gift card | The friend joins and renews for month three. A plan of £15 a month or more pays £20, £10 to £14.99 pays £10, less pays £5. | No limit | Checked |
| Talkmobile terms (opens in new tab)Checked | £15 Amazon gift card on a 12-month plan, £10 on a 30-day plan | £15 Amazon gift card on a 12-month plan, £10 on a 30-day plan | The friend signs up to a plan on the Talkmobile website through the referrer's link. Both stay with Talkmobile for at least two months, each making two consecutive monthly payments, and both accounts stay in credit throughout. | Not stated | Checked |
| VOXIVerified | Amazon, PayPal, or Just Eat voucher up to £20 | Amazon, PayPal, or Just Eat voucher up to £20 | Stay active for 2 months | Unlimited (capped at £2,000 in rewards per year) | Verified |
Broadband
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| AirbandVerified | Paused | Paused | Airband has paused its refer-a-friend scheme: its rewards portal says so and lists no reward, though airband.co.uk still advertises £50 each side. | Paused | Verified |
| Community Fibre terms (opens in new tab)Checked | £10 to £100 gift card by package price | £10 to £100 gift card by package price | The friend orders through the referrer's link. £12.50 to £15 a month pays £10, to £25 pays £50, to £35 pays £75, above that £100, 90 days after installation. | No limit | Checked |
| HyperopticVerified | An Amazon, Tesco or John Lewis voucher worth £25, £40, £50 or £75, set by speed and contract length | The same voucher, at the same tier: both sides always get the identical amount | Order a residential or business package as a new customer, directly with Hyperoptic, selecting “I was referred” and entering the code | 20 referrals per calendar year, shared with your household, up to £1,500 | Verified |
| QuicklineVerified | £100 | £100, the same amount | Order online as a new customer on a 24-month home broadband contract, at a different address to the referrer | No limit: “As many as you like, there is no limit!” | Verified |
| toobVerified | £25 gift card | £25 gift card, the same amount | Order a 12 or 24-month toob home broadband contract as a new customer, at a different address to the referrer, without a promotion that replaces the reward | No limit: toob's FAQ says “As many as you wish!” | Verified |
| Virgin Media terms (opens in new tab)Checked | £50 cash | £50 cash; the page's legal note says up to £70 | The friend orders broadband, TV or a bundle through the referrer's link and keeps it for 60 days after installation. | Not stated | Checked |
| YouFibre terms (opens in new tab)Terms end date: 30 Nov 2026Checked | £25, £50 or £100 cash by speed | £25, £50 or £100 cash by speed | The friend, new to YouFibre, orders a 24-month contract online or by phone with the referrer's code, gets installed and pays their first bill in full. 200 Mbps pays £25, 1000 and 2000 Mbps £50, 8000 Mbps £100. | No limit | Checked |
| ZzoommVerified | £75 in cash | £75 in cash, rising to £100 per referral from the referrer's fifth referral | Order through the referral link, stay connected 15 days, and pay the first bill by direct debit | No limit: “You can recommend as many friends as you'd like” | Verified |
Credit and buy now, pay later
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| BA AmexVerified | 6,000 Avios points | Varies by card | Spend £2,000 in first 3 months, with no personal Amex card held in the last 24 months | Up to 90,000 Avios a year, at least 4,000 per referral | Verified |
| Virgin Money terms (opens in new tab)Checked | 7,000 points on a Virgin Atlantic Reward+ card, 4,000 on a Reward card | 5,000 Virgin Points | The friend applies for a Virgin Atlantic Reward or Reward+ credit card with the referrer's code. | 10 referrals (50,000 points) a year | Checked |
| YonderVerified | Up to 20,000 bonus points + £10 off + 2 months free (Premium credit; up to 10,000 points on Premium debit) | 10,000 points (Premium sign-up) or 1,000 points (Free sign-up), once you have made five purchases | Approved for a Yonder Free or Premium card, credit or debit | Unlimited | Verified |
| ZilchVerified | £5 in Zilch rewards | £5 in Zilch rewards | Sign up, verify identity, and be issued a Zilch card within 30 days | Unlimited | Verified |
Cashback
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| QuidcoVerified | £10 bonus | £25 (the amount Quidco advertised in-account on 7 August 2026, and the amount it actually paid me a week earlier, both during my Premium trial; a referrer on Basic may be offered less) | 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 | Ten successful referrals in any rolling 12-month period under Quidco's Account Holder Agreement, unless Quidco specifies otherwise; it also terminates accounts it finds have been multiplied to farm the bonus | Verified |
| RakutenVerified | £25 bonus | £25 bonus, on the same £50 qualifying spend by the new member | 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 | Unlimited. Rakuten's terms say you may qualify for a referral bonus more than one time, and the page says bonuses are unlimited | Verified |
| TopCashbackVerified | £10 to £25 sign-up bonus, set by the campaign live when you join (£10 under the terms running to 9 November 2026) | £15 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 9 November 2026) | Earn £10 of cashback from your own purchases; the sign-up bonus does not count towards it, and some retailers are excluded | No cap on referrals stated in the campaign running to 9 November 2026 | Verified |
Car selling
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| MotorwayVerified | £50 Amazon gift card | £50 Amazon gift card | Successfully sell your car through Motorway | 5 per day / 25 per year (£1,500 annual cap) | Verified |
VPN
| Scheme | New customer gets | Referrer gets | To qualify | Referrer’s limit | Last read |
|---|---|---|---|---|---|
| SurfsharkVerified | 1 free month on the 1-month plan, or 3 free months on the 12 or 24-month plan | Up to 3 free months, or a cash commission (up to ~$38) via PayPal | Friend buys a paid Surfshark plan on surfshark.com; App Store and Google Play subscriptions do not count | Unlimited | Verified |
What changed, and when
Every active listed brand above is re-checked daily: against its own published terms where the brand publishes any, and through its referral link in every case. So are the terms of the 41 tracked schemes, and the log covers both, the tracked schemes only from 29 October 2026. 29 changes have been recorded since 3 June 2026. The date is the day a check 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 |
|---|---|---|
| Trading 212 | Scheme status: Active → PausedTrading 212's latest Invite a Friend window is 21 September to 3 November 2026, and clause 1.4 of its terms expires referral links with it, so the page carries no link until the next campaign brings one. The £8 to £100 share range in the terms did not move. | |
| Yonder | Referrer's reward: 20,000 points (Premium) or 2,000 (Free) → 10,000 points (Premium) or 1,000 (Free)The boost for friends who signed up by 1 November 2026 ended on schedule, and the referrer's half fell back with it. The friend's up to 20,000 (Premium) and up to 2,000 (Free) and the referrer's five-purchase condition did not move. | |
| YouFibre | Reward end date: 31 October 2026 → 30 November 2026YouFibre's refer page now says its current reward values are valid until 30 November 2026, a month on from 31 October; the £25, £50 and £100 to each side by speed, the 24-month contract rule and the live-and-first-bill-paid trigger did not move. | |
| Rakuten | Your reward: £30, spend £30 within 90 days → £25, spend £50 within 90 daysThree days into a £30-for-£30 campaign, Rakuten's referral page and both sets of its terms are back at £25 to each side for £50 of spend, a campaign the page's own data starts on 23 October; the 90-day window, the Amazon and gift-card exclusions, the bank-account requirement on both sides and the £10-for-£30 Welcome Bonus did not move. | |
| Monzo | Your reward: £10, £20 or £50 (random) → £5, £10 or £20 (random)Monzo expired our referral link with "We updated our referral offering since your friend invited you", and the replacement it issued says "up to £20" and cites a lettered terms document paying £5, £10 or £20 on unchanged odds of 94%, 5% and 1%, an average of £5.40; Monzo's main scheme terms still carry the £10, £20 or £50 table, so this is the table on our link moving, not every link. | |
| Rakuten | Your reward: £25, spend £50 within 90 days → £30, spend £30 within 90 daysRakuten's referral page and both sets of its terms are back at £30 to each side for £30 of spend, a campaign the page's own data starts on 20 October, after a £25-for-£50 spell from 28 September; the 90-day window, the Amazon and gift-card exclusions and the bank-account requirement on both sides did not move. | |
| Yonder | Referrer's reward: 10,000 points (Premium) or 1,000 (Free) → 20,000 points (Premium) or 2,000 (Free)Read on Seb's own referral screen: a boost for friends who sign up by 1 November 2026 that puts the referrer level with the friend on points. The friend's up to 20,000 (Premium) and up to 2,000 (Free) did not move, and Yonder's public referral terms still pay the referrer only after five cleared transactions. | |
| Airband | Scheme status: Active → PausedAirband's Aklamio rewards portal now reads "Our referral programme has been paused" and lists a £0 reward, while airband.co.uk still advertises £50 to each side. A read of the same portal on 22 September recorded no pause, so it falls between the two reads. | |
| BA Amex | Your reward: 15,000 Avios → 6,000 AviosRead on Seb's own referral screen, back at the standard after the limited-time offer that started in August. The £2,000 spend in three months did not move, and Amex's direct offer fell back from 10,000 to 5,000 when its own promotion ended on 6 October. | |
| EDF | Your reward: £75 bill credit → £50 bill creditThe boost for switches started between 14 September and 6 October 2026 ended on schedule, and the referrer's half fell back from £100 to £50 with it, so the scheme is symmetric again. The 12-month ex-customer bar, the residential-only rule and the four-week payment did not move. | |
| VOXI | Your reward: Voucher up to £40 → Voucher up to £20The second Double Rewards window closed on the date its terms named, 7 October 2026, and the cap returned to its standard £20. The £10, £15 and £20 plan tiers, the two-payment condition and the £2,000 yearly cap did not move. | |
| Rakuten | Your reward: £30, spend £30 within 90 days → £25, spend £50 within 90 daysA week after moving to £30 for £30, Rakuten's referral page and both sets of its terms are back at £25 to each side for £50 of spend, a campaign the page's own data starts on 28 September; the 90-day window, the Amazon and gift-card exclusions and the bank-account requirement on both sides did not move. | |
| TopCashback | Your reward: £25, earn £10 cashback within 180 days → £10, earn £10 cashback within 180 daysTopCashback's 29 September to 31 October campaign returns a new member to £10 after one week at £25 and puts the referrer's bonus back up to £25 Plus and £20 Classic; the £10 threshold and its 180-day window did not move. | |
| Trading 212 | Qualifying account: Invest account or Stocks ISA → Invest account, Stocks ISA or SIPPTrading 212 re-published its Invite a Friend terms on 28 September 2026 with the SIPP in scope, paying a SIPP joiner's share into an Invest account; the 21 September to 3 November window, the £8 to £100 share range, the 10-day deposit window and the five-referral cap did not move. | |
| Monzo | Qualifying payment: Any card payment, no minimum → Any card payment, no minimum, except a virtual card, an ATM or a money transferVersion 4.0 of Monzo's personal referral terms (13 August 2026) says an ATM withdrawal, a money transfer or a virtual card payment won't count as the first payment, where version 3.3 asked only for a card payment of any amount; a digital-wallet payment still counts, and the reward table, its odds and the 30-day window did not move. | |
| Monzo | Who can refer: Any open Monzo account → A UK Monzo current account holderVersion 4.0 (13 August 2026) limits the personal scheme's referrers to UK current account holders aged 16 or over, where version 3.3 took an open Monzo account of any kind; nothing on the new customer's side moved with it. | |
| Rakuten | Your reward: £25, spend £50 within 90 days → £30, spend £30 within 90 daysRakuten's referral page and both sets of its terms now state £30 to each side, with the friend's qualifying spend cut from £50 to £30, the same bar as Rakuten's own £10 Welcome Bonus; the 90-day window, the gift-card exclusion and the bank-account requirement on both sides did not move. | |
| TopCashback | Your reward: £10, earn £10 cashback within 3 years → £25, earn £10 cashback within 180 daysTopCashback's 22 to 29 September campaign pays a new member £25 where every campaign this site has read since January paid £10, but allows 180 days to earn the £10 of cashback that releases it instead of three years; the referrer's bonus fell £5 on both tiers, to £20 Plus and £15 Classic. | |
| toob | Time to claim: 90 days → 180 daystoob's refer page now gives 180 days from notification to claim the reward, up from 90; the £25 gift card to each side, the 14-day live trigger and the 12 or 24-month contract rule did not move. | |
| EDF | Your reward: £50 bill credit → £75 bill creditA boost for switches started between 14 September and 6 October 2026, announced by email and on EDF's X account rather than on its refer-a-friend page, which still advertised £50 to each side on the day this was recorded. The referrer's half moves further, from £50 to £100, so the scheme is asymmetric again, at the same two figures it ran from 21 May to 13 July 2026. This row originally added that both amounts were open only to members of Flextras, the loyalty scheme EDF launched on 7 September 2026; that sentence was struck on 2026-09-14, when EDF's public page carried the boost with no such condition. EDF never advertised the gate, so recording one would misstate the market. | |
| 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. The same version also narrowed the qualifying payment and who can refer, recorded on 22 September 2026; the 30-day window, the payment to both sides within days and the bar on anyone who has held a Monzo account before did not move. | |
| 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 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 are published as CSV under CC BY 4.0 (opens in new tab): the full index (68 schemes, one row each, carrying the page on the brand’s own site every figure was read from) and the change log (29 rows). Use either with attribution to Referral Plug and a link back.