The Ultimate Guide
UK Free Money — the 10-step roadmap
A walk-through of the highest-value moves you can make this year. Work top-to-bottom, skip anything that doesn't apply to you, and claim along the way.
(Sum of the top offers picked per step. Your actual yield depends on eligibility and which sections apply to you.)
Just want the list? Browse all free money offers →
Step 1 of 10
Start with the free stuff
Warm up with no-deposit offers — sign-up bonuses that don't ask you to put real money in. Low risk, instant rewards.
How: Knock out a few of these in an evening. They typically pay £5–£25 each and don't ask for anything beyond signup + identity verification.
Top picks
Zilch · Added 3mo ago
Zilch - Free £5 Cashback Signup Bonus
Get £5 cashback when you sign up to Zilch through the 'Get This Offer' button, verify your ID and receive your card within 30 days. Reward applied within 10 working days.
Snoop · Added 2mo ago
Snoop - Free £5 Amazon Gift Card
Get a free £5 Amazon gift card when you sign up to Snoop and keep a bank account linked for 28 days.
TopCashback · Added 15h ago
TopCashback - £21 Sign Up Bonus (Boosted)
Get a boosted £21 bonus (normally £10) when you sign up to TopCashback and earn £10 cashback on your online shopping. Boost ends 23 July.
Running total claimable
£31+
Step 2 of 10
Bag the quick wins
Offers you can complete in 30 minutes or less. These bank fast and build momentum.
How: Easy difficulty + small spend = quick £10–£50s. Pair with the no-deposit ones above for a productive evening.
Top picks
Octopus Energy · Added 3mo ago
Octopus Energy - Free £50 Bonus When You Switch
Get £50 credit on your energy bill when you switch to Octopus Energy via the 'Get This Offer' button. No exit fees if you decide to leave.
Virgin Media · Added 3mo ago
Virgin Media - Free £50 When You Sign Up to Broadband or TV
Get a £50 cash reward when you sign up to a Virgin Media Fibre Broadband, TV, Home Phone or Volt package via the 'Get This Offer' button.
SMARTY · Added 3mo ago
SMARTY Mobile - Free £5–£20 Voucher When You Switch
Join SMARTY via the link on this page and get a £5–£20 reward (PayPal, Amazon, John Lewis or Uber) after your first plan renewal — amount depends on your plan price.
Running total claimable
£136+
Step 3 of 10
Switch your current account
Bank switching is the single highest-£/hour activity on this site. Most banks pay £150–£200 just to move your account, and they're stackable across banking groups.
How: Work through the playbook — 9 switches over ~9 months ≈ £1,750+. Use a fresh burner account each round to keep your main bank untouched.
Top picks
HSBC · Added 4w ago
HSBC – £220 Switch Bonus
HSBC pays new customers £220 to switch to a fee-free HSBC Bank Account via the app — full CASS switch with 2 DDs, £2,000 pay-in and £500 debit-card spend within 60 days.
The Co-operative Bank · Added 1w ago
The Co-operative Bank - Up to £300 Switch Bonus
Switch to The Co-operative Bank via CASS, pay in £1,500 a month with 2 Direct Debits and 5 card payments — £200 for new switchers, £300 if you already bank with Co-op, smile or Coventry Building Society.
Barclays · Added 1mo ago
Barclays - £200 Switch Bonus
Switch to Barclays via the app with 2+ active direct debits and pay in £2,000 within 30 days. £200 paid within 28 working days. Offer runs 9 June – 27 August 2026.
Running total claimable
£756+
Step 4 of 10
Claim the biggest sign-up bonuses
Some offers pay £100+ in one go — usually for opening an investment account, funding it modestly, and holding for a couple of months.
How: Pick the offers with the highest estimated reward and start with the ones where the eligibility is straightforward.
Top picks
Charles Stanley Direct · Added 4mo ago
Charles Stanley Direct - Up to £200 Cashback via TopCashback
Open an investment account and invest £500+ to earn up to £200 cashback via TopCashback
eToro · Added 1mo ago
eToro - £50 in Free Shares for Depositing £200
Deposit £200+ into a new eToro account and £50 in free shares is added to your portfolio. Keep the deposit in for 90 days, then you're free to sell and withdraw. FCA-regulated; capital at risk.
Octopus Energy · Added 3mo ago
Octopus Energy - Free £50 Bonus When You Switch
Get £50 credit on your energy bill when you switch to Octopus Energy via the 'Get This Offer' button. No exit fees if you decide to leave.
Running total claimable
£916+
Step 5 of 10
Stack cashback on stuff you'd buy anyway
Cashback platforms refund a % of your spend through their tracking links. Free money on purchases you were making regardless.
How: Sign up to TopCashback or Quidco (or both), install the browser extension, and check them before every online checkout.
Top picks
Zilch · Added 3mo ago
Zilch - Free £5 Cashback Signup Bonus
Get £5 cashback when you sign up to Zilch through the 'Get This Offer' button, verify your ID and receive your card within 30 days. Reward applied within 10 working days.
Snoop · Added 2mo ago
Snoop - Free £5 Amazon Gift Card
Get a free £5 Amazon gift card when you sign up to Snoop and keep a bank account linked for 28 days.
Cheddar · Added 3mo ago
Cheddar - £5 Bonus + Cashback on Gift Cards
Sign up to Cheddar, buy gift cards for your favourite retailers, and unlock a £5 bonus once you've earned £5 in cashback within 30 days.
Running total claimable
£931+
Step 6 of 10
Open an investment account (ISA / GIA)
Investment apps run generous sign-up offers — typically £20–£200 for funding £100–£500 and holding it. Great if you were going to invest anyway.
How: An ISA wrapper is usually the right pick — gains and dividends are tax-free. The reward stays valid as long as you don't withdraw early.
Top picks
Charles Stanley Direct · Added 4mo ago
Charles Stanley Direct - Up to £200 Cashback via TopCashback
Open an investment account and invest £500+ to earn up to £200 cashback via TopCashback
eToro · Added 1mo ago
eToro - £50 in Free Shares for Depositing £200
Deposit £200+ into a new eToro account and £50 in free shares is added to your portfolio. Keep the deposit in for 90 days, then you're free to sell and withdraw. FCA-regulated; capital at risk.
IG Investments · Added 4mo ago
IG Investments - £50 Signup Bonus
Get £50 bonus for opening an account, depositing £50 and making 1 trade
Running total claimable
£1,091+
Step 7 of 10
Send money abroad? Grab the transfer bonus
Wise, Revolut, WorldRemit and Remitly all run free-money offers tied to your first international transfer. Only do this if you actually need to send money abroad.
How: Compare exchange rates and fees before picking — the rate quoted matters more than the bonus on a large transfer.
Top picks
Post Office · Added 4mo ago
Post Office Travel Money Card - Free £10 When You Open a New Card
Open a new Post Office Travel Money Card via the 'Get This Offer' button, load £100 across your first 3 loads within 3 months, and £10 lands on your card. Link valid 6 months — lock it in now, buy later.
Skrill · Added 3mo ago
Skrill - Free £10 for £100 money transfer
Send £100 internationally through Skrill and only pay £90 — saving you £10 on your first transfer.
Wise · Added 3mo ago
Wise — Fee-Free £500 Transfer or Free Travel Card
Sign up to Wise and get a fee-free international transfer up to £500 or a free travel debit card.
Running total claimable
£1,111+
Step 8 of 10
Move a pension and get £100s
Old pensions sitting with previous employers can earn you a sign-up bonus when consolidated. PensionBee and Penfold both offer welcome rewards.
How: Only consolidate if your existing pension doesn't have valuable guarantees (e.g. defined benefit, guaranteed annuity rates). When in doubt, get advice.
Running total claimable
£1,136+
Step 9 of 10
Cash in on freebies & one-off discount drops
Discount codes, app freebies and short-lived deal drops. Smaller wins but they add up when you're spending anyway.
How: Check the Today's Deals timeline for dated drops and the Freebies tab for evergreen new-customer deals.
Top picks
TrainPal · Added 1mo ago
TrainPal - £5 Off Any UK Train Ticket (New Users, App Only)
New TrainPal users get £5 off any UK train ticket (min spend £5.01) with code MSE5OFF. App only — Android or iOS. No booking fees. Code valid until 31 Dec 2026, then 7 days to book.
Phox Water · Added 2w ago
Phox Water – £5 Off Your First Water Filter Order
New customers get £5 off their first Phox Water refillable filter order of £20 or more — applied automatically at checkout via the link on this page.
Simple Online Pharmacy · Added 1mo ago
Simple Online Pharmacy - £40 Off Your First Mounjaro or Wegovy Order
New Simple Online Pharmacy customers get £40 off their first Simple Weight Loss Service order of £75+ (Mounjaro, Wegovy and other weight-loss treatments).
Running total claimable
£1,186+
Step 10 of 10
Side-hustle the small stuff
Surveys, get-paid-to sites and small task work won't make you rich, but a Saturday afternoon can clear £30–£50 if you stick to the higher-payout platforms.
How: Stick to UK-friendly survey platforms and reputable GPT sites — most of the field is junk. Cash out frequently to avoid balances going stale.
Running total claimable
£1,188+
Don't try to do it all in one weekend
Spread the bigger ones (switching, investment offers) across a few months. Sign in to track which you've started, get progress alerts, and never miss a reward window.