UK OFFERS · UPDATED OCTOBER 2026
The Money Jar
Every proven bonus, cashback deal, free share and bill saving we’ve actually tried — collected in one place, with the steps written out plainly. No jargon, no experience needed — just a bit of time and energy that can add up to thousands.
available across the site
offers, all checked by us
need no money up front
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Cashback Sites
5 offers · up to £55
Get paid for shopping you were doing anyway — plus free sign-up bonuses that need no purchase at all.
Start here
£10joining bonus
Sign-up offer5 minsNo deposit
The best-stocked cashback site in the UK — and the one with the most free offers that need no purchase at all.
£10joining bonus
Sign-up offer5 minsNo deposit
Smaller range than TopCashback, but its universal bonus days are better — and it has its own free sign-up offers.
Best bonus
£25joining bonus
Sign-up offer5 minsNo deposit
The biggest joining bonus of the three main cashback sites, plus a repeatable £1 back from Amazon.
£5gift card, easy win
Sign-up offer10 minsNo deposit
A points version of a cashback site. We only ever used the sign-up bonus — an easy £5 gift card.
Variesstacks with everything
Cashback5 minsNo deposit
A free two-minute habit most people never do — and it stacks on top of cashback sites.
Gift Card Apps
2 offers · up to £8
Buy the gift cards you’d use anyway and get a percentage back on top. The easiest saving on this site.
£1.50–£5joining coins
Rewards5 minsNo deposit
The best gift-card uplift we've found anywhere — buy the cards you'd buy anyway and get a chunk back.
£3bonus at £5 earned
Sign-up offer5 minsNo deposit
Same idea as Everup and worth having on the list, though the rates aren't as strong.
Auto Coupons
2 offers · up to £8
Browser extensions that hunt down a working discount code at checkout. Around 10% off most purchases, for no effort at all.
£8after £75 of spend
Sign-up offer5 minsNo deposit
An automatic coupon-code finder. We save more from this than almost anything else on the list — usually around 10% off.
Pointsredeem as gift cards
Rewards5 minsNo deposit
The other coupon extension worth having installed. Points rather than cash, redeemable as gift cards.
Savings Bonuses
4 offers · up to £175
Savings accounts and apps that pay a bonus for joining. Set one up once and your money earns in the background.
£50deposit £5,000 for 90 days
Invest offer15 minsDeposit £5,000
£50 for parking savings you already have somewhere competitive — they've had a 5% easy-access account for new customers.
Check link is live
£15joining bonus
Sign-up offer10 minsDeposit £15
£15 for a £15 deposit — and it doubles as a free way to create the direct debits bank switches need.
£100bonus when running
Invest offer20 minsDeposit £10,000
We made a £100 bonus for opening a competitive savings account and holding £10,000 for six months.
£10joining bonus
Sign-up offer10 minsNo deposit
Ten minutes for £10, plus one of the better savings rates going — up to 5.55%.
Cut Your Bills
10 offers · up to £534
Money saved is money earned, and these are the changes with the biggest annual impact.
Biggest easy saving
£144a year saved
Bill saving20 minsNo deposit
We were paying £12 a month for a magazine app. The same content is free through your library card.
Do this today
£312a year saved
Bill saving20 minsNo deposit
We went from £33 a month to £2, and now pay £7 for better service. Same coverage, a fraction of the price.
£2.50off your first eSIM
Bill saving10 minsNo deposit
Stop paying your network's roaming charges. Set up an eSIM before you fly for a few pounds a day.
£5a year saved
Bill saving5 minsNo deposit
If you pay quarterly you're being charged an extra £5 a year, and the website doesn't make it obvious.
£5Amazon voucher
Sign-up offer10 minsNo deposit
A free bill-lowering app that pays you £5 just for trying it.
£15in vouchers
Sign-up offer20 minsNo deposit
Buy secondhand, sell what you don't wear, and pick up £15 of vouchers for getting started.
Up to 5×less on your bill
Bill saving15 minsNo deposit
If you don't have a meter you may be paying several times what you use. One phone call to find out.
£40cashback plus a better rate
Bill saving25 minsNo deposit
Compare, switch, and take the cashback on top. We moved to a better rate and got £40 back for it.
Variesoften a lot
Bill saving30 minsNo deposit
The most underrated trick here. Ring up, say you're leaving, and see what they offer.
£5–£10plus free days out
Sign-up offer10 minsNo deposit
A free credit score, a free zoo pass and a small credit, without spending anything.
Receipt Apps
4 offers · up to £216
Snap the receipts already in your bag. Two minutes a day, gift cards at the end of the month.
Up to £1a day
Receipts2 mins a dayNo deposit
Upload the receipts already in your bag and each one is a chance to win. Genuinely free money while the telly's on.
Best steady earner
£114a year, plus surveys
Receipts2 mins a dayNo deposit
The easiest receipt app we've used: 10p per grocery or Boots receipt, up to about £2.20 a week.
£5a month
Receipts3 mins a dayNo deposit
£5 a month for 25 grocery or restaurant receipts. The app looks dated but it works.
£3cash-out threshold
Receipts1 min a dayNo deposit
Aimed at corner shops rather than supermarkets — a good top-up if you shop locally.
Reward Sites
6 offers · up to £127
Small, steady earners you can do from the sofa — points, vouchers and loyalty schemes that actually pay out.
£3.75every few weeks
Rewards5 minsNo deposit
Share your phone screen-time and get paid for it. About the least effort on this whole site.
£5every 2 months
Rewards2 mins a dayNo deposit
Points for doing daily searches on Bing and clicking a few tiles. Set and forget.
£5in Boots points
Rewards20 minsDeposit £10 spend
Five recycled beauty empties become £5 of Boots points. Fiddly the first time, easy after that.
£2joining, then £10 / 6 months
Sign-up offer5 minsNo deposit
Link your cards once and it quietly earns on purchases you were making anyway — usually £10 every six months.
500points, £2–£5
Sign-up offer10 minsNo deposit
BA's loyalty points, but you can spend them at Sainsbury's via Nectar. 500 free points for joining.
£20after first booking
Sign-up offer10 minsDeposit £30 spend
£20 back on a meal out you were going to have anyway. Just book through the app.
Get Paid To
5 offers · up to £118
Sites that pay you to complete offers and play games. Do the sign-up bonus, then decide if you want more.
Quick win
£15in about 30 minutes
Offer wall30 minsNo deposit
The fastest of the get-paid-to sites. We made £15 in half an hour and cashed out days later.
£20plus £4.46 stacked
Offer wall45 minsNo deposit
Do the sign-up offer, take the money and go. Great as a one-off, less fun as a hobby.
£40+over a few weeks
Offer wallA few hoursNo deposit
More work than Custard, but the biggest total on any offer wall we've tried.
£25then withdraw and leave
GamesA few hoursNo deposit
Quicker to reach cash-out than most game sites. Monopoly Go and Woodoku Blast were the easy ones.
Quick win
$18+in about 15 minutes
Offer wall15 minsNo deposit
We made $18 in three days and about fifteen minutes of actual effort.
Surveys
3 offers · up to £22
Quick surveys and opinion apps that pay for your views. The sums are small, but each one takes seconds.
£5in about an hour
Survey offer1 hourNo deposit
The rare survey app where you actually qualify for the surveys.
£5in 3–4 weeks
Survey offerSeconds a dayNo deposit
One-click product questions that take seconds. Perfect for doing while you walk.
£1a month, zero effort
Survey offerSecondsNo deposit
One question every now and then, usually 8p a tap. Not really a survey app — more a slow trickle.
Walking Apps
3 offers · up to £230
Get paid for steps you’re taking anyway. Log them in 30 seconds a day.
£40a year
Rewards30 secs a dayNo deposit
The walking app we actually like — it's made us walk more, which is the real win.
150joining Wards
Rewards30 secs a dayNo deposit
Legitimate, and takes half a minute a day. Worth doing alongside Macadam for the same steps.
Highest paying
£15a month
Rewards2 mins a dayNo deposit
The highest-paying walking app we've found — £15 in a month. More ads, but more money.
Bank Switches
3 offers · up to £815
The single most lucrative thing on this site. Banks pay you hundreds to move your current account — and you can do it again and again.
Do this first
£40via TopCashback
Sign-up offer20 minsNo deposit
The account we'd open first: free, pays you £40 to open it, and becomes your permanent switching account.
Biggest earner
Up to £500per switch
Switch offer30 minsDeposit Usually none
We can't overstate how lucrative this is. Banks pay you hundreds to move your current account — and you can do it again with the next one.
Then stay
£175plus £100 a year after
Switch offer30 minsDeposit £500 in
Switch for the bonus, then stay — they've paid members £100 a year for four years running.
Banking
20 offers · up to £1,090
Open an app, order a card, make a purchase, get paid. Most take ten minutes.
Ending soon
£105£5 + £100 salary switch
Sign-up offer15 minsDeposit £500
£5 for depositing £500, then £100 for having your salary paid in for three months. Trackable and it paid out on time.
£10plus £30 a year cashback
Sign-up offer10 minsNo deposit
A quick £10, a 7% regular saver, and £30 a year of cashback on direct debits.
£25joining bonus
Sign-up offer10 minsNo deposit
A well-liked UK app bank with a £25 joining bonus running at the moment.
£75£15 per referral, up to £75
Sign-up offer10 minsNo deposit
Most people end up with a Wise account for foreign currency. The real money here is in referring on.
Very lucrative
£50joining bonus
Sign-up offer10 minsNo deposit
One of the best we've done: £50 for joining, then £250 from referring five people.
£10once you start spending
Sign-up offer10 minsNo deposit
Up to £10 for activating a card and making one payment.
£10–£50randomly assigned
Sign-up offer10 minsNo deposit
Quick to sign up, and the reward is a random £10, £20 or £50. Then you can refer friends for the same.
Check link is live
£10–£100after 3 purchases
Sign-up offer15 minsDeposit £15 spend
A tiered reward of £10 to £100 for signing up, spending a little and ordering a card.
£10plus £20 in extras
Sign-up offer10 minsNo deposit
£10 for opening the debit card — we ended up with £20 more in freebies and cashback on top.
£5plus £15 per referral
Sign-up offer20 minsNo deposit
A free £5 for joining and making a first purchase. Fiddly, but it does work.
£20£10 + £10 second task
Sign-up offer20 minsDeposit £50 spend
£10 for five purchases and ordering a card, and a second £10 task appears after that.
Up to £50joining reward
Sign-up offer15 minsDeposit Any incoming payment
One of the larger e-money joining rewards — up to £50 for very little.
£10after £5 of spend
Sign-up offer5 minsDeposit £5 spend
About as easy as it gets — accept the invite and spend £5 within 30 days.
£10after first purchase
Sign-up offer15 minsNo deposit
£10 for applying, being approved and making one purchase of any size.
£10after £100 spent abroad
Sign-up offer10 minsNo deposit
A travel debit card that links to your existing bank account and skips the FX fees. Free to join, £10 back.
£75when the offer is live
Sign-up offer20 minsNo deposit
Business-focused currency account. The joining offers on cashback sites are far better than the referral rate.
£50with code NEW50
Sign-up offer15 minsDeposit £500 transfer
A money transfer app with a 5% savings account attached. The public code beats our referral — use it.
£100after £500 of card spend
Sign-up offer20 minsNo deposit
Only for the self-employed or limited companies — but £100 for spending you're doing anyway.
£75via cashback sites
Sign-up offer20 minsNo deposit
Another business current account with recurring cashback-site offers — ours was £75.
£100plus £85 via TopCashback
Sign-up offer1 hourDeposit £500 collected
The largest single sign-up on this page — but the most fiddly, and worth reading the caution first.
Investing
15 offers · up to £1,681
Free shares and cash bonuses for opening an account. Your money can go down as well as up — always check the fees first.
£10–£100free stock
Invest offer15 minsDeposit £100
Free stock worth £10 to £100 for depositing £100. Simple when we did it, and the share arrived immediately.
£20–£200plus £5 via TopCashback
Invest offer20 minsDeposit £100
A share worth £20 to £200 for investing £100 — and a separate £5 you can take without investing at all.
£5–£200free share
Invest offer15 minsDeposit £100
Invest £100 and get a free share worth £5 to £200. Check the fees carefully before you commit.
£100when the offer is live
Sign-up offer20 minsDeposit Varies
A savings marketplace that regularly runs £100 sign-up offers via Money Saving Expert and similar.
$15–$1,5005 shares, $3–$300 each
Invest offer20 minsDeposit £500
Five fractional US shares for depositing £500 and holding for 60 days, plus commission-free US stocks.
£10–£100free share
Invest offer15 minsDeposit Varies
A free share for joining — but their bigger transfer offers are where the real money is.
£50after first trade
Invest offer25 minsDeposit Cost of one trade
£50 for placing your first trade within three months of opening the account.
Easy
Up to £100fractional shares
Invest offer15 minsDeposit Fund only
One of the smoothest we've done — often you only need to fund the account, not actually invest.
$20deposit $200
Invest offer20 minsDeposit $200
$20 for a $200 deposit through our link — but their public offers have been far better.
5 sharesworth $7+ each
Invest offer15 minsDeposit Any deposit
Five free fractional shares for signing up and making a deposit within 14 days.
£50invest £1,000 for 6 months
Invest offer20 minsDeposit £1,000
£50 for a £1,000 investment held six months — worth doing the fee maths first.
Stackable
£17510,000 Avios + £75 stacked
Invest offer30 minsDeposit £500
Our favourite stack: 10,000 Avios (about £100) plus £75 from TopCashback on the same sign-up.
Big bonus
£150via TopCashback
Invest offer40 minsDeposit Varies
£150 through TopCashback. The website is genuinely fiddly, but the bonus is one of the biggest.
No deposit
£50no deposit needed
Invest offer15 minsNo deposit
£50 put straight into your account to invest — you don't have to put any of your own money in.
£50free into your pension
Sign-up offer15 minsNo deposit
A free £50 into your pension — and a referral scheme that pays £100 per friend, up to £5,000.