Best UK referral codes for October 2026
Every refer-a-friend offer worth using, compared side by side. Earn cashback, bill credit 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 |
 Trading 212 | A free fractional share worth £8 to £100, and £8 to £25 in 80% of cases |
 VOXI | Amazon, PayPal, or Just Eat voucher up to £20 |
 Yonder | Up to 20,000 bonus points + £10 off + 2 months free (Premium credit; up to 10,000 points on Premium 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 |
 Zzoomm | £75 in cash |
 TopCashback | £10 to £25 sign-up bonus, set by the campaign live when you join (£10 under the terms running to 31 October 2026) |
 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 |
 BA Amex | 6,000 Avios points |
 Rakuten | £25 bonus |
 Zilch | £5 in Zilch rewards |
 Bitrefill | $5 in Bitcoin |
Referral Plug is not a lender or a credit broker. Yonder, American Express or Zilch makes every lending decision.
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. 23 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 |
|---|---|---|
| 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 tables on this page are published as CSV under CC BY 4.0 (opens in new tab): the full index (27 brands, one row each, carrying the page on the brand’s own site every figure was read from) and the change log (23 rows). Use either with attribution to Referral Plug and a link back. Our study of how referral schemes work classifies the 27 schemes live on 29 September 2026, condition by condition.
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 | When supply is live and the first direct debit clears, usually within 4 weeks of switching |
| 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, within 90 days of activation, then claimed within 90 days of the reward email |
| 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 a free fractional share, worth £8 to £25 in 80% of cases and up to £100, when you open a Trading 212 Invest account, Stocks ISA or SIPP through a referral link and deposit its minimum, £1 on Invest and the ISA. Its cash value is locked for 30 days.
| Your reward | A free fractional share worth £8 to £100, and £8 to £25 in 80% of cases |
| Friend’s reward | A free fractional share on the same odds, for up to 5 referrals per campaign |
| Requirement | Open an Invest account, Stocks ISA or SIPP during the campaign and deposit its minimum within 10 days (£1 on Invest and the ISA) |
| Time to receive | Within 3 business days of both accounts being verified and funded |
| Referral limit | 5 rewards per referrer per campaign; after that, new customers still get their share |
Get an Amazon, PayPal, or Just Eat voucher worth up to £20
| Your reward | Amazon, PayPal, or Just Eat voucher up to £20 |
| Friend’s reward | Amazon, PayPal, or Just Eat voucher up to £20 |
| 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 Premium, and up to 20,000 bonus points
| Your reward | Up to 20,000 bonus points + £10 off + 2 months free (Premium credit; up to 10,000 points on Premium debit) |
| Friend’s reward | 20,000 points (Premium sign-up) or 2,000 points (Free sign-up) for sign-ups by 1 November 2026, doubled from 10,000 and 1,000, once you have made five purchases |
| Requirement | Approved for a Yonder Free or Premium 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 buys a paid Surfshark plan on surfshark.com; App Store and Google Play subscriptions do not count |
| 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, without a promotion that replaces the reward |
| Time to receive | Eligible after 14 days live, with the reward-selection email at least 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 | Your first 25 referrals |
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 | 5 referrals a month, and one reward per business |
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 from the referrer's fifth referral |
| 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 £10 to £25 sign-up bonus when you join TopCashback through a referral link (£10 under the terms running to 31 October 2026), released once you have earned £10 of cashback on your own shopping.
| Your reward | £10 to £25 sign-up bonus, set by the campaign live when you join (£10 under the terms running to 31 October 2026) |
| Friend’s reward | £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 31 October 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 31 October 2026 |
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 the SIM |
| 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, both during my Premium trial; a referrer on Basic may be offered less) |
| 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 | 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 |
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 6,000 Avios points when you spend £2,000
| Your reward | 6,000 Avios points |
| Friend’s reward | Varies by card |
| Requirement | Spend £2,000 in first 3 months, with no personal Amex card held in the last 24 months |
| Time to receive | After spending £2,000 in 3 months |
| Referral limit | Up to 90,000 Avios a year, at least 4,000 per referral |
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 in Zilch Rewards when you are approved and issued a card
| Your reward | £5 in Zilch rewards |
| Friend’s reward | £5 in Zilch rewards |
| Requirement | Sign up, verify identity, and be issued a Zilch card within 30 days |
| 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 6,000 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 (6,000 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: 13 October 2026
Monzo Bank Limited, which holds Monzo accounts, is incorporated in England and Wales (No. 09446231), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427). Its paid up capital and reserves exceed £900 million.
Griffin Bank Limited, which holds the money on Yonder debit cards, is incorporated in England and Wales (No. 10842931), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 970920). Its paid up capital and reserves exceed £10 million.
ClearBank Limited, which holds Tide current and savings accounts, is incorporated in England and Wales (No. 09736376), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 754568). Its paid up capital and reserves exceed £50 million.
Eligible deposits are protected by the Financial Services Compensation Scheme, and eligible complaints can go to the Financial Ombudsman Service.