How To Get FREE Money In The UK

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What’s better than earning extra cash? How about FREE MONEY! 

Yes, that may sound unrealistic, and I’m not suggesting you can make a living off free money alone.

But it’s a fact that there are loads of companies ready to give you free money in the UK just for signing up to their service or downloading their app.

Here’s my current list of UK free money offers (currently totalling over £200!). Each one is a little different: some will literally give you free money for signing up, but more often you’ll need to complete some tasks first, such as making a small deposit.

Want to make extra cash in the UK?

👉 See my #1 recommended money making website!

As an extra bonus: most of the below have referral programs. Once you’ve signed up and claimed your bonus, you can refer your own friends for even more free cash!

Read on to learn how to get free money in the UK!

Disclaimer: most of the below links are referral links. That means that I will also receive a bonus if you sign up using my links. In most cases, you need to use a referral link and/or code to claim the free cash offer. Thanks!

Another disclaimer: I’ll try my best to keep this list up to date, but sometimes offers are withdrawn with no notice. So please check the small print before signing up, and especially before transferring any money. If you do notice any expired offers, let me know and I’ll update the page.

On to the free money offers!

Cash App – £5/£10 free money

Transfer £5, get £5 free

Cash App is a safe and easy way to send money to your friends. You can claim £5 in absolutely free money when you sign up and transfer £5.

To claim your free cash:

Download Cash App, register an account and enter my referral code MKWNTHM when prompted. Link your debit card.

Cash app screenshot: get £5 free money with this cash app referral code UK MKWNTHM

You need to send £5 through the app to get your free £5. (Note: used to be £50 but it’s £5 at the time of writing. Check when you sign up in case they change it again.) I recommend you ask a partner or trusted friend to do this offer with you so you can send them the money and they can send it back.

Top tip! If you invite a friend through the app using your own referral code, you’ll get an extra £5 for referring them, and they’ll get a fiver too! So this offer is actually worth £15: £10 for you, and £5 for a friend!

The £5 can also be done over multiple transactions. So you can even just send £1 back and forth.

You need to do this within 14 days of joining or the promo code will expire.

Once you’ve transferred a total of £5, a £5 bonus will appear in your account and you can withdraw your free money instantly to your bank account. 

Full instructions here.

Download Cash App here and use referral code MKWNTHM to get your free money.

Ziglu – £5 free money

Deposit £1, get £5 free

This is probably the quickest free money offer on this list! Ziglu is an app for trading cryptocurrency. You can get an easy £5 for free by using the app to buy just £1 of crypto. 

To claim this offer, sign up using this link. Create your account and upload a snap of your drivers licence or other ID doc. Wait for your account to be verified (should just be a few minutes). 

Ziglu screenshot showing an invite to get £5 free cash in the UK when you sign up for this crypto trading app with a referral link.

Once you’re verified, transfer £1.10 to Ziglu and exchange it into (buy) £1.10 of any cryptocurrency. You should see your free £5 in your account right away. Now you can exchange your crypto back into GBP and withdraw it all, including the bonus.

(Note: although the minimum you need to exchange to claim your bonus is just £1, I recommend you send slightly more. This is because there is a 1.25% exchange fee, and you can’t withdraw less than £1 – so if you only exchange £1 you will end up with around 99p of Bitcoin that you can’t withdraw.)

Remember that if you don’t exchange the crypto right away, there’s a chance it could decrease in value.

You can withdraw your money right away. This is an easy way to get free money right now – it takes less than 10 minutes and you’ll have an extra £5 in your bank account!

Sign up to Ziglu using this link to be eligible for your free £5.

Full Ziglu offer instructions (with screenshots) here.

The Credit Thing – No Spend Free £10!

Free £10, possible 10p deposit required

The Credit Thing is a virtual app-based credit card. This offer is very quick and easy, you only need 10p to do it and you will get a free £10 which you can withdraw instantly!

Use a referral link to download the app. I recommend doing this on your phone because I first signed up on my laptop and the referral didn’t track for me. Set up your account.

When I signed up, I was prompted to verify my account by connecting my banking app via open banking and I did not need to make a deposit. But according to other users, an alternative way to verify is by transferring 10p to your account. 

Once you are approved for credit, the £10 bonus should appear in your account soon and you can withdraw instantly.

In my case, the bonus didn’t appear instantly so I hopped on live chat and they credited it for me no problem.

Note that this is a credit product. They will run a soft search credit check on you when you apply. You do not need to take out any credit to do this offer! If you do use The Credit Thing for credit, be aware that the APR is pretty high.

Sign up to The Credit Thing using this link to be eligible for your free £10. 

Monese – £10 free money

Spend £1, get £10 free cash. Spend £500 for an additional free £20.

Monese is a virtual bank. They are offering £10 free money when you make an account, order their physical bank card and make your first spend.

Here’s how to sign up:

Download the Monese app using a referral link (only works on mobile). Create your account. Be sure there is an invite code showing on the sign up screen – this should be filled in automatically if you signed up with a referral link, but if not, enter code REBE308 now.

Complete the sign-up process, including uploading a snap of your ID. 

Make sure to choose the Starter plan, which is free. Order your contactless debit card – find this option under the ‘Card’ tab at the bottom. Wait for it to arrive (should be within a week) then activate it on the app (again, this is under the ‘Card’ tab).

Make a transaction using either your physical or virtual Monese card. There is no minimum spend but you will have to transfer the funds into your Monese account first via bank transfer. If you don’t need to buy anything and want a quick and easy way to complete this offer, I recommend just topping up your Amazon account by £1.

Your free £10 will appear in your account when the payment has fully cleared (which may take a day or two). Then you can withdraw it or spend it right away.

There is also a stage 2 offer: spend £500 or transfer £500 internationally through Monese to get an additional free £20. This can be across multiple transactions, so if you use Monese as your main bank account you’ll be able to claim this extra bonus.

Sign up to Monese using this link to claim your £10 free money.

Chip – £10 free money

Deposit £1, get £10 free

Chip is an app that helps you save. They have a cool AI savings feature, which calculates what you can comfortably afford to save and transfers small regular amounts.

To claim a free £10: download Chip and create a new account. Enter referral code CHIP-TZA033. (Do this in your profile section under ‘promos & rewards’ if you aren’t prompted during sign up.)

Deposit at least £1 into your Chip account.

You must keep your £1 in your account for 30 days, and don’t delete the app during this time. After 30 days, you will receive your free £10 bonus into your Chip savings account. You can withdraw this at any time.

Sign up to Chip and enter code CHIP-TZA033 to earn your free £10.

Monzo – £5 free money

£5 free when you make any card purchase

Monzo is an app-based bank. It’s very quick and easy to open an account. It’s a genuinely useful bank account to have due to their budgeting features such as ‘pots’ (where you can put money aside for different saving or spending categories).

Currently they are offering £5 free money when you set up a new account and make your first card payment.

To take advantage, simply download the app with this referral link, apply for a current account, add some money to your account, and pay for something using Monzo. You have to complete this within 30 days of clicking the link. 

Once you’ve done that you’ll find a free £5 in your account, which you can withdraw any time.

Sign up to Monzo using this link to be eligible for your free £5.

Full Monzo referral instructions here

Tulipshare – £10 free to invest

Deposit £1, get £10 free to invest (£25 until 31st August 2022!)

Tulipshare’s tagline is ‘where activism meets investing’. It’s an investment platform where you can invest in campaigns that align with your ethical beliefs. Currently they are offering £25 (usually £10) free to invest in a campaign of your choice, which you can withdraw after 90 days.

Download the app using a referral link. Create your account. Go to the ‘Portfolio’ tab to continue setting up your account by filling in your personal details.

To activate your bonus, you need to add at least £1 via bank transfer. Do this under the ‘Portfolio’ tab.

Your free credit (£25 at the time of writing, usually £10) will appear in your account. Unfortunately you can’t withdraw it yet! First, you need to convert your funds into USD, which may take up to 2 days but was instant for me. Then you need to invest it in one of TulipShare’s campaigns and leave it for 90 days. 

If you try to withdraw earlier they will deduct the bonus from your funds. I recommend setting a reminder on your phone and it will be a nice little bonus for you in 3 months’ time.

Bear in mind that since your £10 will be held in an investment vehicle for 90 days, it could go up or down in value by the time you are able to withdraw. You will also lose a small amount in conversion fees and investment fees (around $2.50 when I did it but this will depend on the amount you invest).

If you refer a friend, you will get a bonus equal to the amount of their first deposit up to £50.

Sign up to Tulip Share using this link to claim £10 to invest.

Curve – £5 free money

Spend £5, get £5 free

Curve is an app that lets you access all your different bank accounts, payment cards and loyalty cards in one place. You can use your Curve card to replace all your different credit/debit cards and switch between them using the app.

You can earn £5 free by signing up for the free card and spending £5.

To claim your £5, sign up for the free Curve card (‘Curve Standard’) and enter promo code N3M7934D if this is not automatically applied. 

Once you get your card in the post, you can connect it to your bank and use it in place of your usual debit or credit card.

To activate the bonus, you need to make 5 transactions totalling £5 within 10 days of signing up. 5 transactions seems a lot but you literally just use your Curve card in place of your usual debit card and the money is taken from your usual bank. Alternatively, if you want to fast track the bonus, try topping up your Amazon account with 5 x £1 instalments.

Once you’ve done this, a £5 ‘Curve cash’ bonus will be applied to your account.

How to spend your Curve cash: the only down side to Curve is that you can’t withdraw Curve cash to your bank account or at an ATM. But you can use it to top up your Amazon account, treat yourself to a coffee or similar.

You will also earn cashback points when you use your card. These will add to your Curve cash so you can put it towards a bigger purchase.

Finally, I’ve heard that if you have a bank such as Starling that lets you request payment, you can use this feature to transfer your cash – although I haven’t tested this myself.

Sign up to Curve using this link and enter code N3M7934D to earn your free £5.

Tide – £75 free money!

Transfer £1, get £75 free

Tide is a mobile business bank that is currently offering an unbelievable £75 free money for signing up when you open a business account and deposit £1.

You can apply if you are a sole trader/freelancer or have a limited company. 

It only takes 5 minutes so this is an incredible offer if you are eligible!

By the way, it didn’t ask me for any proof of my business when I signed up. But I’ve heard they will sometimes follow up on new applications and ask for evidence. If you have any kind of side hustle such as selling on eBay that should be enough to qualify.

Screenshot of the Tide bank homepage showing an offer to get £75 free cash when you open a business current account.

Simply sign up with Tide and go through the application. You need to enter code FREE75 when it asks you for a referral code (I think this is the same screen where you upload your ID document but keep an eye out).

You will have to wait a few minutes for your account to be approved. Then, transfer in £1 from one of your other bank accounts. You have to do this within 3 months of opening the account.

A bonus £75 will be credited to your Tide account within 8 weeks, which you can then withdraw like any other cash.

Sign up here and enter code FREE75 to earn your free £75 after depositing £1.

Coinbase – £25+ in free Bitcoin and other crypto

Coinbase is a well-known platform for buying and selling cryptocurrencies. They support over 50 digital currencies.

There are a few different ways to get free money with Coinbase.

£7 Bitcoin signup bonus

Firstly, you can get $10 (roughly £7.70 at time of writing) in Bitcoin free when you create a new account and buy or sell $100 (roughly £77) worth of crypto.

Use this referral link to create your account in order to be eligible for the free Bitcoin.

You must complete the $100 of transactions within 180 days or the promo will expire. This can be split over multiple transactions. It can take a few days for transactions to complete and for you to receive your bonus.

Screenshot of Coinbase invite screen showing an offer for £7 free Bitcoin when you sign up with a referral link (UK)

Ongoing chance to earn various cryptocurrencies (no deposit needed!)

Secondly, there are ongoing opportunities to get free cryptocurrencies with Coinbase Learn and Earn! This is an initiative to teach users about crypto and different kinds of coins. You have to watch short videos (1-3 minutes) and answer a quick quiz question on each one.

This offer appears to be available even without making a deposit.

To find these opportunities, go to the menu and look for ‘learn and earn’. These opportunities come and go, but at the time of writing, I was able to earn the following: $3 FORTH, $3 GRT, $10 XLM, $9 COMP, $3 SKL. Not bad for a few minutes work!

You can exchange your crypto into GBP through Coinbase and withdraw to PayPal or your bank account instantly. Be aware that exchange and withdrawal are subject to a small fee, which is dependent on the amount.

Remember that any cryptocurrency value could go up or down.

Click here to sign up with Coinbase to be eligible for $10 free Bitcoin

Xendpay – £10 free

Transfer £100, get £10 free

Xendpay is a money transfer service. They are offering £10 off your first transfer of £100 or more, and you can send it to yourself. So essentially, you can send yourself free money!

Even though it’s a foreign transfer service, you can send money between two UK accounts to qualify for the offer. You don’t need a foreign currency account but you will need a second UK bank account, or a trusted friend or family member to do the offer with.

Click on this link to create your Xendpay account. Fill in all details and make sure your account is verified – you may have to upload ID documents if requested.

Click on ‘send money’. You can send from a UK account to another UK account, but you will have to receive the money in a different currency, so select EUR. (Your bank will automatically convert it back to GBP if you don’t have a EUR account.)

The transfer fee is ‘pay what you want’ so you can enter 0 in this box.

Below this, you should see a £10 discount automatically applied. So you pay £90 and receive the equivalent of £100 in Euros. 

You will lose a little due to exchange rates. I made £8.13 profit in the end – not bad for a quick and easy offer.

Click here to sign up with Xendpay and get £10 off your first money transfer.

Skrill – £10 free

Skrill is a digital wallet and money transfer service. They are offering £10 off your first international transfer of £100 or more. 

Unlike the Xendpay offer above, you do need a foreign currency account to complete this offer.

To keep things simple, you can transfer it to a foreign currency account in your own name, if you have one. I recommend making a free USD or EUR account with Wise if you don’t already have one. It’s easy and free, and comes in handy often if you’re into making money online! You can also get a free EUR account with Starling bank.

Sign up to Skrill with this link and make sure my code rebeccas73 is applied. Make an international transfer of at least £100. 

If you used my code on signing up, you’ll see the £10 credit applied before you pay. So you only pay £90, but receive £100 worth of foreign currency. 

Then, you can send the foreign currency back to your main bank account and you’ll be up best part of a tenner (you’ll lose a little to exchange rates and fees).

With Skrill and other money transfer offers, be aware that it does take 2-3 working days for the transfer to come through. So only try this if you can afford to be without the £90 until the offer is complete.

Click here to sign up with Skrill or use code rebeccas73.

OhMyDosh – £2 signup bonus

OhMyDosh is a site that pays you to sign up for offers online. You will get £2 free cash in your account just for signing up with my link.

You can cash out to your bank account or PayPal once your balance reaches £10. There are some very lucrative introductory offers, so you should be able to do this in less than 30 minutes!

Tip: once you’ve made your account, look for the ‘no spend’ offers section to make even more free money without spending anything.

Screenshot of OhMyDosh!, a website to make extra money online in the UK, showing the 'lightening payouts' section. If you complete these offers and earn at least £10 you can get the money within three days.

Check out my full Oh My Dosh review for tips and tricks on how to maximise your earnings with Oh My Dosh.

Sign up with OhMyDosh here to grab a £2 welcome bonus.

Cashback – £5 signup bonus and potential to earn £150+

Cashback is similar to OhMyDosh but you have to complete 15 offers before you cash out. People earn on average around £150. A very handy chunk of change, although it can take a month or two to get there.

Plus, get a £5 signup bonus with my link! It’s redeemable once you’ve done all 15 offers.

For anyone familiar with 20 Cogs, Cashback is the new and improved version. You can sign up with Cashback even if you’ve previously had a 10 Cogs account!

Here’s my full 20 Cogs review for tips on how to make the most of this site.

Click here to sign up with Cashback and get your £5 bonus.

Qmee – 50p free cash

Qmee is a money making site. You can make money doing paid surveys and cashback offers. You can also install the browser app and get paid to click on special ads when you browse the internet.

Grab a free 50p when you sign up with my referral link. The 50p bonus will be applied to your account after you cash out for the first time.

The best thing about Qmee is that you can cash out at any time. The payment threshold is just 1p! And the cash will be transferred to your PayPal account almost instantly.

So sign up with Qmee, install the browser extension or choose the quickest survey (it will tell you approximately how many minutes each survey takes, although be warned they can take a little longer in the beginning as they have to collect your demographic data).

Cash out to PayPal as soon as you have something showing in your balance. Then, you’ll be awarded a free 50p, which you can also cash out right away!

Click here to sign up with Qmee.

PensionBee – free £50 in a pension

Ok, this isn’t exactly instant cash because it will be locked away in a pension. But £50 is £50… and it should be worth a lot more than £50 by the time you retire (thanks compound interest)!

PensionBee is an app based pension plan, it’s very easy to use and helps you predict how much you’ll have come retirement age.

The best thing is that they make it very easy to switch old pension plans to them. If you have any workplace pensions from previous jobs, simply enter a few details and PensionBee will round them all up into the same pot. This makes it much easier to manage and to see exactly how much you’ve got.

I’ve been using PensionBee since I went self employed and I really rate it as a way to manage my own private pension contributions and combine it with my previous workplace one.

To claim your free money, click here to sign up with PensionBee. You’ll need to transfer over an existing pension to be eligible for the free £50. All you need to know is the name of the provider, and Pensionbee will do the rest. You can always transfer away again once you’ve received your bonus.

Click here to sign up with PensionBee for a free £50.

Zelf – future free €20

Zelf is a new ‘messenger bank’ that lets you send and receive money through messaging apps such as WhatsApp, Messenger, Viber and Telegram. It’s already active in France, and is set to launch in the UK soon. 

You can set future you up for a free €20 by being one of the first to join Zelf. The money isn’t available to withdraw yet, but it will apparently become available after the UK launch once you activate and use your account.

To claim your free money, follow this link and open Zelf in your messaging app of choice. All you need to do is confirm your phone number. Zelf will automatically create an account for you.

You can earn a further €5 for each friend you invite.

Please note this offer is unconfirmed because it’s not possible to access the money just yet. But it literally just takes seconds to do, so I figured it’s worth the time!

Join Zelf here for a free €20 on UK launch.

How to get free money UK summary

I hope you enjoyed this list of ways to claim free money in the UK. As you can see, there are a few ways to get free money very fast, and other offers that take a bit more time and effort.

It is well worth putting aside a couple of hours to work through this list and see how much you can make.

A lot of these offers come and go. I’ll do my best to keep this list up to date, and add new offers when I find them. But please let me know in the comments if any of the links are broken or the conditions changed.

Also, let us know if the comments if you hear of any more great free money offers!

Note: please don’t share your own referral links on this page. Referral bonuses are how I earn money to keep this site online to keep helping more readers! Comments with referral links will be deleted.

Finished working through this list of free money offers? Check out these related posts for more ways to earn extra cash in the UK:

This post was first published on 12 May 2021 and was last updated on 26 August 2022.

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