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.)
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
Snoop · Added 2w 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.
Quidco · Added 1mo ago
Quidco - £20 Refer a Friend Bonus
Get a £20 bonus when you sign up to Quidco via the 'Get This Offer' button and earn cashback on online shopping.
PayPal · Added 1mo ago
PayPal - Free £10 Sign Up Bonus
Get a free £10 when you sign up to PayPal with the 'Get This Offer' button and spend or send £5. Offer ends 30 June 2026.
Running total claimable
£35+
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 1mo 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 1mo 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.
Chase · Added 2w ago
Chase - Free £50 for Opening an Account
Get £50 free when you open a Chase current account and deposit £1,000. Also offers 1% cashback on groceries, transport and fuel.
Running total claimable
£185+
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 — 5 switches over ~5 months ≈ £900+. Use a fresh burner account each round to keep your main bank untouched.
Top picks
NatWest · Added 2w ago
NatWest - £200 Switch Bonus
Switch to NatWest with a full CASS transfer, log into the app and pay in £1,250 within 60 days. £200 paid within 30 days of qualifying.
RBS · Added 2w ago
RBS - £200 Switch Bonus
Switch to RBS with a full CASS transfer, log into the app and pay in £1,250 within 60 days. £200 paid within 30 days of qualifying.
First Direct · Added 2w ago
First Direct - £200 Switch Bonus (Boosted, Limited Time)
Limited-time boost: First Direct has increased the 1st Account switch reward from £175 to £200. Switch via full CASS with 2 DDs/SOs, pay in £1,000 and make 5 debit card payments within 45 days. £200 paid by the 20th of the following month.
Running total claimable
£785+
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
Octopus Energy · Added 1mo 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.
IG Investments · Added 3mo ago
IG Investments - £50 Signup Bonus
Get £50 bonus for opening an account, depositing £50 and making 1 trade
Wealthify · Added 2mo ago
Wealthify - £50 Reward for Investing £1,000
Earn £50 cashback when you invest £1,000 for 6 months in a Wealthify investment account.
Running total claimable
£935+
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
Snoop · Added 2w 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 1mo ago
Cheddar - £5 Bonus + Cashback on Gift Cards
Get a £5 bonus when you sign up to Cheddar and earn cashback by buying gift cards for your favourite retailers.
Jam Doughnut · Added 1mo ago
Jam Doughnut - £3 Bonus + Cashback on Gift Cards
Get a £3 bonus when you sign up to Jam Doughnut and earn cashback by purchasing gift cards for everyday retailers.
Running total claimable
£948+
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
IG Investments · Added 3mo ago
IG Investments - £50 Signup Bonus
Get £50 bonus for opening an account, depositing £50 and making 1 trade
Wealthify · Added 2mo ago
Wealthify - £50 Reward for Investing £1,000
Earn £50 cashback when you invest £1,000 for 6 months in a Wealthify investment account.
Wealthyhood · Added 3mo ago
Wealthyhood - Free ETF Worth Up to £200
Get a free ETF worth £5 - £200 when you deposit and invest £100
Running total claimable
£1,053+
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 2mo 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 1mo 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 1mo 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
£1,073+
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
£1,098+
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 1w 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.
Simple Online Pharmacy · Added 1w 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).
Joybuy · Added 1w ago
Joybuy - £3 Off Your First £10+ Order (UK Marketplace)
New Joybuy customers get £3 off any first order of £10+ when they enter a referral code at checkout. Joybuy is JD.com's UK marketplace — groceries, Asian ingredients, electronics, homeware.
Running total claimable
£1,146+
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
£1,146+
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.