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Bank Switching Guide
The complete beginner's guide to earning £500+ per year from bank switching. We cover exactly which banks to target, the perfect order to switch, and how to meet every single requirement effortlessly.
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UK Deals & Offers
AI-sourced deals across energy, broadband, investments and more.
Octopus Energy
energy
£50 energy credit each via Refer a Friend
Reward is bill credit (not cash). Business/charity referrals have different amounts.
OVO Energy
energy
Up to £50 energy credit each (dual fuel) via referral
Reward structure varies by fuels and payment method; £50 is the maximum for dual-fuel Direct Debit referrals.
E.ON Next
energy
£50 voucher each for successful energy referral
Voucher can be spent with a selection of retailers via the referral partner.
EDF Energy
energy
£50 off energy bill each for successful referral
EDF ran a higher seasonal reward that ended on 2025-12-23; £50 each is the standard reward.
ScottishPower
energy
Up to £60 energy credit each via referral
ScottishPower markets this as 'share up to £120 credit' (up to £60 each).
British Gas
energy
£50 voucher each for dual fuel energy supply referral
Page describes British Gas referral rewards for energy supply.
British Gas
energy
Up to £100 each for referring a new boiler customer
Reward options include £100 Amazon voucher, £100 PayPal payment, or a £50 Hive voucher.
Good Energy
energy
£50 energy credit each for referring a tariff switch
Separate from Good Energy's home-improvement product referral vouchers (solar/heat pump).
Good Energy
energy
£125 voucher each for referring solar panels
Good Energy also advertises higher combined rewards if multiple products are purchased.
Good Energy
energy
£125 voucher each for referring a heat pump install
Good Energy also advertises higher combined rewards if multiple products are purchased.
Utilita Home
energy
£150 reward for referring a solar + battery installation
This is a home-improvement referral reward (not an energy tariff switch).
Octopus Electric Vehicles
energy
£100 Electroverse credit each when referral takes delivery
Octopus EV describes this as splitting £200 total credit (£100 each).
UK Government (Boiler Upgrade Scheme)
energy
Heat pump & biomass boiler grants (England & Wales)
This is a government grant (not a supplier referral). Eligibility rules apply.
Home Energy Scotland
energy
Heat pump grant up to £7,500 (plus optional loan) — Scotland
Amounts and eligible measures vary by improvement type and rural uplift status.
UK Government / Ofgem
energy
Great British Insulation Scheme (free/cheaper insulation support)
Not a cash payout; benefit is reduced/covered insulation costs where eligible.
Virgin Media
broadband
£50 cashback each for referring broadband/TV/phone services
Virgin Media states broadband/TV/home phone referrals pay £50 cashback each.
Hyperoptic
broadband
Voucher worth up to £100 each for successful referrals
Voucher value depends on the broadband package chosen.
Community Fibre
broadband
£50 gift card each for Refer a Friend
Gift card must be activated within 90 days of receiving the email.
Plusnet
broadband
Ongoing monthly bill credit when you recommend Plusnet
If referral credits reach £50+, Plusnet states you can contact them to pay out the balance.
InvestEngine
investments
Referral investment bonus (random £20–£100 each) when friend invests £100+
Actual bonus is random within the £20–£100 range.
Wealthify
investments
Refer a Friend: £50 each (with £1,000 invested for 6 months)
Investing involves risk and capital is at risk.
Freetrade
investments
Free share referral (typically £10–£15 value each) with £50 net funding
Free share value is £10–£15 range.
Fidelity
investments
£100 Amazon.co.uk gift card each (referral)
Gift card codes have redemption windows per Fidelity FAQ.
AJ Bell
investments
£100 Amazon.co.uk gift card each (recommend a friend)
Gift cards are sent by email once requirements are met.
Dodl (by AJ Bell)
investments
£30 gift card each when referee invests £500+
Investing involves risk and values can go down as well as up.
IG
investments
IG Refer a Friend: £100 per friend (up to 5) for referrer
Investing carries risk.
interactive investor (ii)
investments
Recommend ii: £200 per friend + friend gets a year without account fees
The £200 reward is for the referrer; friend benefit is a year without account fees.
VOXI
mobile
Refer a friend: up to £20 gift card each
VOXI describes this as 'no cap' on referrals, but also states an annual maximum reward limit.
BT NET
mobile
Give £10, get £10 (SIM-only) gift card reward
Gift card options include Amazon.co.uk, John Lewis Partnership or Uber.
Monzo
fintech
£5 each when a referred friend opens a Monzo account and pays with the card
This is not a CASS switching incentive; it is a referral bonus for opening/using an account.
Monese
fintech
Invite & Earn: £5 each after first card transaction + £5 each after £500 spend
Total potential reward per friend referral is £10 each (two stages).
Zilch
fintech
Refer and earn: £5 Rewards each after friend's first Tap and Pay purchase
Zilch Rewards are loyalty points (often treated as money-off balance) rather than cash withdrawal.
Chase UK
fintech
£50 each credited to rewards balance (targeted eligibility)
This is a referral bonus, not a current account switching (CASS) incentive. It is targeted (not all customers will see it).
Expedia
other
£25 hotel coupon for referred friend (Expedia app)
This captures the 'friend coupon' portion shown in Expedia's referral terms.
So Energy
energy
£50 energy account credit each via Refer a Friend
So Energy states the £50 credit appears in bill balance breakdown under a refer-a-friend entry with the date applied; sharing links via bulk distribution/spam is prohibited per their terms.
Sainsbury's Energy (powered by E.ON Next)
energy
£30 voucher each when a friend switches and pays first Direct Debit
Vouchers are described as redeemable with 100+ retailers; scheme has caps (e.g., max 5 rewards per 24h and 25 per 12 months).
Your Co-op Energy
energy
£25 bill credit for each successful referred energy switch
The page states the scheme runs from 7 Feb 2025 and is subject to availability; reward is not transferable/exchangeable for cash.
UK Government (Warm Home Discount)
energy
£150 electricity bill rebate for eligible households (winter 2025/26)
Not a switching incentive; it is an eligibility-based rebate applied via obligated suppliers under the Warm Home Discount scheme for winter 2025/26.
brsk
broadband
£50 Amazon voucher each for successful BetterNet referral
brsk's Promotions T&Cs label this as an active referral promotion; paid digital advertising for referrals is prohibited.
Hey!Broadband
broadband
Limited-time: £50 Amazon voucher each for Refer-a-Friend
The page explicitly describes the £50 Amazon vouchers as a limited-time offer but does not show a specific end date.
YouFibre
broadband
Refer & Earn: up to £100 cash each when a friend joins
Reward amount varies by package (provider describes it as 'up to £100'); rewards are administered via rewards partner Aklamio.
EE
mobile
Flex Plans referral: £10 Amazon.co.uk gift card
EE page describes a £10 Amazon.co.uk Gift Card for the referred person and also states a Flex refer-a-friend voucher of £10 each.
EE
mobile
Pay As You Go packs referral: £10 Amazon.co.uk gift card each (on £10+ packs)
EE page states the PAYG refer-a-friend reward is for customers on £10 or more packs and that both parties should receive vouchers within 7 days after setup/purchase.
PensionBee
investments
£100 pension contribution for each successful referral
Not cash; credited as a pension contribution and subject to tax relief eligibility and relevant limits.
One Utility Bill
other
Refer a Friend: friend gets £25; referrer earns escalating cash rewards
The public bonus table states: referee always gets £25; referrer gets £25 (1st), £35 (2nd), £55 (3rd), £125 (4th), £175 (5th and each thereafter).
IGNI
energy
£200 voucher when a referred friend completes an eligible grant installation
This is a referral reward tied to completion of a qualifying installation (not a simple quote). Ensure the referred person meets owner-occupier and eligibility requirements for the underlying grant/measure.
Ecotricity
energy
£25 account credit each when a friend switches (eligible tariffs)
Ecotricity also references occasional alternative refer-a-friend rewards (e.g., retailer vouchers) for customers opted into marketing; this entry captures the core £25 account credit offer and related tariff eligibility.
Gigaclear
broadband
£40 Amazon.co.uk gift card each when a referred friend’s service goes live
Referral eligibility may exclude specific introductory packages (see terms).
Zen Internet
broadband
£25 voucher each for successful broadband referral
Zen describes the reward as a £25 voucher (choice of retailers) and allows unlimited referrals; practical timelines and voucher redemption details may be provided during the referral process.
BeFibre
broadband
£50 cash each when a friend buys eligible broadband via your referral link/code
BeFibre states the reward is cash (not bill credit). Referral journey differs for website vs telesales purchases (link vs code).
BeFibre
broadband
Contract Buy Out: reimbursement of early termination fees up to £150 (plan-dependent)
This is a reimbursement of exit fees rather than a flat cash bonus; payout is to bank account or PayPal according to BeFibre help centre guidance.
Sky Mobile
mobile
Refer a friend: £15 voucher each (SIM-only) or £25 voucher each (device + SIM)
Voucher reward format and exact redemption options are handled within Sky’s referral flow; eligibility is specifically tied to Sky Mobile first-time subscription.
iD Mobile
mobile
Refer a friend: share up to £70 cashback (offer varies by plan/device)
The referral page includes a tier table (total cashback and split per person) and a detailed ‘Legal Bit’ describing exclusions, validation, and reward validity (typically 1 year from issue).
Raisin UK
investments
£100 each when a referred friend opens and funds a qualifying fixed rate bond (£10,000+, 1y+ term)
This is a savings marketplace bonus (cash paid into Raisin Transaction Accounts) and has a relatively high qualifying deposit requirement (£10,000) and minimum term (1 year+).
Careium UK
other
£20 M&S gift card each for recommending a new private customer
Careium describes the reward as an M&S gift card for both the existing private customer and the new customer.
Cineworld (Unlimited Membership)
other
Recommend a Friend: one month free Unlimited membership (member) + friend gets an extra month
Non-cash reward; value depends on the member’s Unlimited plan price. Cineworld reserves the right to amend/withdraw the offer.
Voneus
broadband
Refer a Friend: £50 e-gift card each (after install + cooling-off)
Voucher delivery is by email per the scheme FAQs/terms.
toob
broadband
Refer a Friend: £25 gift card each (Amazon/M&S/John Lewis choices)
The referrer chooses the £25 reward type (Amazon.co.uk, Marks & Spencer, or John Lewis gift card) when invited to select a reward.
Your Co-op Broadband
broadband
Refer a Friend: £20 bill credit each (share £40)
The page states 'share £40' via £20 bill credit applied to each account once the referred service is active.
Gigabit IQ
broadband
Refer a Friend: 1 month free broadband each (or 3 months security upgrade alternative)
Non-cash reward; credits apply to broadband service price only (excludes deposits/add-ons).
Charles Stanley Direct
investments
Transfer cashback: £300–£1,500 when transferring £20,000+ and holding 12 months
The page states the offer can be changed/withdrawn by notice on the website; it does not state a fixed end date.
Charles Stanley Direct
investments
Referral: £250 to referrer + £300–£1,500 to friend (based on £20,000+ transfer, 12-month hold)
The terms are stated as updated 2025-09-15 on the referral T&Cs page.
Lightyear
investments
Refer a Friend: gift voucher up to £200 for referrer (targeted eligibility)
Targeted scheme: not all customers can refer (eligibility is selectively enabled). The help article states the referrer can receive a voucher 'to the value of £200' for EMEA customers.
Mobiles.co.uk
mobile
Refer a Friend: earn up to £75 per successful referral (Aklamio)
The page lists payout examples including £10 for SIM-only deals and up to £75 for a Vodafone upgrade handset contract.
The SIM Warehouse
mobile
Refer a Friend: £10 credit when friend pays their first bill
Offer is presented as account credit rather than cash withdrawal.
Western Union (UK)
fintech
Refer a Friend: £10 each (virtual Mastercard) after qualifying £50+ online international transfer
Good fit for people who already plan to make international transfers online; otherwise fees/exchange rates may outweigh the bonus.
Lebara
mobile
Refer & Earn: referrer gets up to £50 cash; new customer gets 50% off for first 3 months (plans vary)
Lebara’s public referral landing pages may require JavaScript; the sources above describe the current referral mechanics and reward amounts as of early February 2026.
Sky
broadband
Refer a Friend: up to £100 in vouchers each (Sky Glass/Stream/Broadband/Mobile; amount varies)
Sky’s referral pages can be difficult to view without JavaScript; the sources above (including a late-Jan 2026 Sky Community thread and a Jan 2026 Guardian piece) indicate the scheme is active and pays vouchers up to £100 depending on the product.
Freetrade
investments
Tax Year End Offer: 1% cashback on £10,000+ ISA/SIPP contributions (up to £5,000 per account)
Offer requires opting in via the in-app Rewards Hub; cashback value is 1% of qualifying net contributions, subject to caps.
Fidelity Personal Investing
investments
Cash Back Offer: £300–£3,000 for £50,000+ ISA/SIPP transfer or lump-sum deposit
Cashback depends on total qualifying value across ISA/SIPP (or both). If moved into an ISA/SIPP, cashback counts towards the relevant allowance.
Vodafone UK
broadband
Home Broadband contract end-date prize draw: chance to win a £100 gift card (20 winners)
This is a prize draw (not guaranteed). Prize is described as a £100 gift card usable at 200+ retailers (issuer terms apply).
TalkTalk
broadband
Google Play Gift code offer: £50 credit for eligible broadband customers
Eligibility criteria and qualifying products are not fully specified on the help page; treat as a targeted/offer-dependent incentive.
British Gas
energy
PeakSave Sundays: half-price electricity every Sunday 11am–4pm (credited back)
Savings depend on your unit rate and how much electricity you use during the event window.
ScottishPower
energy
Power Saver: Half-Price Weekends (11am–4pm Saturday & Sunday; credited back)
Savings depend on your tariff’s unit rate and usage during the weekend event window.
EDF Energy
energy
Sunday Saver challenge: earn up to 16 hours of free electricity on Sundays by shifting weekday peak usage
The value of the reward depends on (i) how many free hours you earn and (ii) how much electricity you use during those hours at your tariff unit rate.
OVO
energy
Power Move: monthly prize draw for shifting usage away from peak hours (top prize up to £2,000 energy credit)
This is a prize draw (not guaranteed). OVO’s terms state at least 5 customers per month can win up to a year’s free energy (capped at £2,000).
Octopus Energy
energy
Octoplus Free Electricity Sessions: bill credit for extra electricity used during notified sessions
Reward value varies per session and depends on your additional kWh usage above baseline and your tariff’s unit rate.
UK Government (via Local Authorities in England)
other
Household Support Fund (England): council-run help with essentials including energy costs (runs to 31 March 2026)
This is a needs-based support scheme (not a switching/referral offer). Funding and eligibility vary by council; devolved administrations manage their own support.
PayPal
fintech
PayPal+ loyalty programme: earn points on spend and redeem at checkout (e.g. 1,000 points = £10 for Blue tier)
PayPal describes tier benefits including potential boosted redemption values and annual 'spending credits' at higher tiers (details/availability depend on tier and rollout).
Chip
fintech
Refer a friend: both get 100 extra entries in the Prize Savings Account March £500k draw
Chip’s referral reward on this page is additional prize-draw entries (not a guaranteed monetary payout).
Plutus
fintech
Referral: both get $10 in +PLUS Points after new user deposit (min 20 EUR/GBP)
Reward is paid in +PLUS Points (not cash); usage and value depend on Plutus’ programme rules.
Starling Bank
fintech
Refer a friend: free National Trust day pass for two (both get a pass)
Non-cash reward; pass is redeemable at National Trust locations (per scheme terms).
Three
mobile
Refer a Friend: up to £80 cashback on Pay Monthly phone/SIM-only/Mobile Broadband orders (can be shared)
Three describes the programme as 'up to £80 cashback' and allows the referrer to decide how (or whether) to share it with the new customer.
Three
broadband
Home Broadband switcher offer: up to £200 account credit when you switch (submit final bill)
Offer is stated as available from 2025-02-14; value depends on the final bill amount (up to £200).
TalkTalk
broadband
Refer a Friend: £50 gift card each when friend buys eligible TalkTalk broadband
Reward described in referral terms as a £50 gift card delivered via Giftcloud after the friend’s qualifying purchase (eligibility and restrictions apply).
Moneyfarm
investments
ISA Promo 2026: up to £1,000 cashback when you invest/transfer (min £5,000)
This is time-limited with explicit deadlines in April/May 2026; ensure the hold period and transfer timing work for the customer before proceeding.
Saxo
investments
Invite friends: £500 commission credits (commission-free trades) for you and £500 for them
Non-cash reward: commission credits reimburse eligible commissions/fees rather than paying cash.
E.ON Next
energy
Existing-customer solar discount: £200 off solar + battery (SOLAR200) or £150 off solar panels only (SOLAR150)
Page states £200 discount for solar + battery and £150 for solar-only; no end date shown on the offers page.
E.ON Next
energy
Existing-customer EV charger discount: save up to £30 on selected chargers (EV30)
The offers page describes this as 'save up to £30' and indicates selection/eligibility is subject to terms.
E.ON Next
energy
Free first year's service with a new air source heat pump (purchase window 16 Feb–16 Mar 2026)
Time-limited offer explicitly shown on E.ON Next offers page with end date 16 March 2026.
Tesco Pet Insurance
other
Refer a friend: £30 Tesco Gift Card each when friend buys a policy direct
Tesco states both parties receive a £30 Tesco Gift Card; scheme administered via Mention Me; referral caps apply (e.g., max rewards within 24h/12 months/value).
Admiral
other
Refer a friend: earn up to £75 (reward varies by product purchased)
This programme rewards the referrer only (the page describes referrer rewards by product).
Honest Power
energy
Customer referral scheme: vouchers up to £100 when a referral results in a qualifying installation (ECO4/LA Flex/GBIS)
The referred person is described as receiving a heating measure 'absolutely free' if eligible under the relevant scheme; voucher reward is for the referrer and depends on a completed installation.
Trading 212
investments
Invite a Friend (Feb–Mar 2026): free fractional share each (value €8–€100)
Investing involves risk. Promotion applies to Invest and Stocks ISA (not CFD or Cash ISA).
IG
investments
Transfer-in offer: 1% cashback up to £3,000 when transferring investments (code required)
Transfers and investments can involve being out of the market during processing; fees may apply (eg SIPP administration/transfer fees).
interactive investor (ii)
investments
ii SIPP cashback: £100–£3,000 when opening a new ii Personal Pension and funding £20,000+
Pension transfers can be unsuitable for some people (eg if you’d lose guarantees/benefits). Consider advice if unsure.
Scottish Friendly
investments
Recommend a friend: split a £50 gift voucher (2×£25 My Rewards cards)
My Rewards cards can be redeemed for gift cards at a range of UK retailers (selection varies).
Vodafone UK
mobile
Register your interest prize draw: chance to win a £2,000 holiday e-gift card (4 winners)
This is a prize draw (not guaranteed reward).
Vodafone UK (via Giftcloud)
broadband
Broadband Amazon gift card via Giftcloud: £80 (Standard) or £130 (Pro) for new connections (link-specific)
Partner-managed reward (Giftcloud) with plan-dependent amounts; Vodafone may run different reward mechanics on other channels at the same time.
Tesco
other
Clubcard Plus: first month free trial (subscription normally £7.99/month)
Clubcard Plus includes 10% off two in-store shops per month (max discount limits apply) plus other in-store brand discounts; check exclusions before subscribing.
Warehouse Students Ltd (Nurtur Student Living)
other
Student accommodation referral: £50 Amazon eGift voucher each when a friend books and moves in
Offer stated as open from 2025-03-31 with no published end date; provider reserves the right to withdraw/change at any time.
Curves
other
Curves gym referral: 7 days free for friend + 7 days free for referrer (after enrolment processed)
Location participation and membership pricing vary; confirm local club eligibility before relying on the offer.
American Express (British Airways American Express Premium Plus Card via BA Club)
fintech
Limited-time increased welcome bonus: 50,000 Avios (Premium Plus) when spending £6,000 in 3 months
Avios are loyalty points (not cash). Ensure the card fee and your ability to clear balances in full don’t outweigh the value of rewards.
AI-Sourced Deals: updated monthly. Please verify all details directly with the provider before signing up. Offers may change without notice.
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