Referral bonuses for opening a UK bank account, money app or investment account, with eligibility checks and risk warnings shown up front.
6 offers
Last checked 18 Oct 2026
Sorted by cash value first
Quick answer
The highest cash-value offer here is AJ Bell: £100 gift card. Fund or transfer £10,000 within 120 days. Compare what each offer asks you to do before choosing.
Receive a £100 Amazon gift card after funding eligible AJ Bell accounts with £10,000 within 120 days. Investment losses and fees can exceed the reward.
Who it’s for
New AJ Bell customers aged 18+ and resident in the UK
What’s required
Fund or transfer £10,000 within 120 days
Capital at risk. The value of investments can go down as well as up, so you could get back less than you put in. Tax treatment depends on your circumstances and can change. Money in a SIPP can't usually be accessed until age 55 (57 from 2028), and withdrawing from a Lifetime ISA for other reasons can mean a 25% government charge.
Open an eligible Monzo Business account through this invitation, add money and make a qualifying card purchase within 30 days to receive £50.
Who it’s for
New Monzo customers; UK sole traders, limited company directors or landlords
What’s required
One card purchase within 30 days; no minimum spend
Eligibility checks apply and account approval isn't guaranteed. Eligible business deposits with Monzo Bank are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000; check whether your business type is covered.
Receive £50 after a qualifying investment is held for six months. Investment losses and fees can exceed the bonus; this is not a cash-savings offer.
Who it’s for
Completely new customers opening an eligible investment plan
What’s required
£1,000 ISA/JISA or £5,000 GIA/SIPP; hold six months
Capital at risk. The value of investments can go down as well as up, so you could get back less than you invest. Tax treatment depends on your circumstances and can change. The £50 bonus does not protect you from investment losses or fees.
This invitation offers £20 after you open a Biscuit bank account and make seven qualifying card transactions within 30 days of submitting your mobile number.
Who it’s for
UK residents aged 18+ who have never used the Zopa app or held a Zopa product
What’s required
Seven card transactions within 30 days
Eligibility checks apply and account approval isn't guaranteed. Eligible deposits with Zopa Bank are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person.
Get £10 through the referral invitation after £100 of qualifying foreign-currency card spending within 180 days of opening. A supported UK bank account and provider eligibility checks are required.
Who it’s for
Eligible new customers with a supported UK bank account
What’s required
£100 supported foreign-currency spending within 180 days
Currensea is a payment service, not a bank. Your money stays in your linked UK bank account and is protected under that bank's arrangements, not by Currensea. Fees and exchange rates depend on your plan.
Open a personal Monzo account and make a qualifying card purchase within 30 days. The standard reward is randomly selected: usually £10, with smaller chances of £20 or £50.
Who it’s for
UK residents aged 16+ who have never had or applied for Monzo
What’s required
One card purchase within 30 days; no minimum spend
Eligibility checks apply and account approval isn't guaranteed. Eligible deposits with Monzo Bank are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person.
Banks and investment platforms pay a referral bonus after you open an account through an invitation and meet a condition, such as one card payment or funding the account. Approval is not guaranteed, and investment bonuses never protect you from losses.
Bank and Investing Sign-Up Bonuses: FAQ
What are the best bank and investing sign-up bonuses right now?
By cash value: AJ Bell (£100 gift card), Monzo Business (£50), Wealthify (£50 bonus). The best one for you depends on what you need to do to qualify, so compare the requirements in the table.
How do bank and investing sign-up bonuses work?
Banks and investment platforms pay a referral bonus after you open an account through an invitation and meet a condition, such as one card payment or funding the account. Approval is not guaranteed, and investment bonuses never protect you from losses.
Are these bank and investing sign-up bonuses still available?
Every offer on this page was checked against the provider’s own terms or invitation, most recently on 18 Oct 2026. Each offer page shows its own check date. Providers can change or end offers at any time.
Does this site earn from these offers?
Some links are referral links, so we may receive a reward if you qualify. We say so on every offer page, and a referral never replaces the checks.
