Best sign-up bonus offers in the UK from banks and apps

Discover which banking apps have welcome offers, sign-up bonuses, refer-a-friend offers and get free money when using these apps.

Share trading app
IG logo
Capital at risk. T&Cs apply.
Up to £200 cashback
11,000+ stocks & ETFs
Commission-free trades
Advanced trading tools
Investment funds
InvestEngine logo
Capital at risk. T&Cs apply.
Up to £100 welcome bonus
Choose from 700+ ETFs
Commission-free trades
No platform fees
Banking app
Revolut Standard logo
T&Cs apply.
£20 sign-up bonus
Low overseas fees
Quick sign-up
Earn cashback on spending

We’ve compiled a list of the best sign-up bonus offers and promotions from banks and banking apps in the UK. We check and update this guide on a weekly basis and each offer has its own set of terms and conditions that apply.
See if you could find a good deal!
Brand Bonus type Product type Offer details Link
Freecash Sign-up Cashback Get up to £4 as a welcome bonus Get deal
Revolut Sign-up Banking apps Get a sign-up bonus of £20 Get deal
TSB Switching Bank account Switch for up to £180 in cash Get deal
IG new Sign-up Investing Get up to £200 cashback on investments Get deal
Capital at risk
InvestEngine Sign-up General investment account Sign-up welcome bonus of £20-£100. (deposit £100)
Capital at risk
Freetrade Sign-up General investment account Free stock worth £10-£100 (deposit £50) Get deal
Capital at risk
Santander new Switching Bank account Get £200 and a £25 gift card when switching your current account to Santander Get deal
Monzo Refer-a-friend Bank account Free £10 when you refer a friend Get deal
Plum Sign-up Savings account £15 Gift Card when you open a Plum Cash ISA Get deal
Raisin new Refer-a-friend Savings account Get a £100 bonus when you refer a friend Get deal
Revolut Refer-a-friend Bank account Earn up to £60 when you refer a friend Get deal
Quidco Sign-up Cashback Get up to £35 cashback when you refer a friend Get deal
gohenry Sign-up Kids bank account Get a £20 pocket money bonus for your child
Revolut business new Sign-up Business banking Sign up to get a £100 welcome bonus. Get deal
Remitly Refer-a-friend Money transfer Sign up and get £10 off your first transfer when you send £100
Currencyfair Refer-a-friend Money transfer Refer a friend and earn rewards Get deal
Wealthify Refer-a-friend Share trading £50 refer-a-friend cashback Get deal
Capital at risk
IG Refer-a-friend Investing Earn £100 for you and £50 for your friend Get deal
Capital at risk
Scottish Friendly Refer-a-friend Share trading £25 referral voucher
Capital at risk
Santander railcard Sign-up Student travel Free 16-25 railcard with Santander Student Get deal
Currensea Refer-a-friend Travel card Free £10 when you refer a friend Get deal
InvestEngine Sign-up Pension Sign-up welcome bonus of £20-£100
Capital at risk

For each deal listed above we have broken each one down and explained the deal further in more detail.

Bank switch offers in the UK

Banks often pay money when you change your bank account. For these you will need to close and move over your old bank account to your new one using the Current Account Switch Service (CASS). For more details, head over to our bank switch offers guide.

Deal

Get £200 and a £25 gift card when switching your current account to Santander

Switch your bank account to an eligible Santander account and get a reward of £200. T&Cs apply.

Sign-up bonuses in the UK

We’ve rounded up sign-up bonuses from a range of providers, offering a variety of services including prepaid children’s cards to in-app money management. It includes popular promo codes and deals from providers such as Revolut and GoHenry.

Banking sign-up bonuses

Deal exclusive

Get a sign-up bonus of £20

Minimum spend of £20 to receive the welcome offer. T&Cs apply.

Kids banking sign-up bonuses

Code exclusive

Get a £20 pocket money bonus for your child

A prepaid account for children aged 6-18. Sign up today and also receive 2 months free. T&Cs apply.

Pension sign-up bonuses

Code

Sign-up welcome bonus of £20-£100

Sign-up welcome bonus of £20-£100 with InvestEngine. You need to deposit at least £100. T&Cs apply. Capital at risk.

Investing sign-up bonuses

Deal

Get up to £200 cashback on investments

Verified 3 days ago Expires 31 Dec 2025
Available to new customers who trade at least £50 in December and hold the position until at least 31 March 2026. T&Cs apply. Capital at risk.
Deal

Free stock up to $175

Get up to $175 with a free stock. T&Cs apply. Capital at risk.
Deal

Free stock worth £10-£100 (deposit £50)

Free stock worth £10-£100 when you sign-up using Finder’s link. New accounts only. T&Cs apply. Capital at risk.
Code

Sign-up welcome bonus of £20-£100. (deposit £100)

Sign-up welcome bonus of £20-£100 with InvestEngine. You need to deposit at least £100. T&Cs apply. Capital at risk.

Browse more investing offers, browse our free shares guide featuring trading providers like Trading212 and Freetrade.

Student banking sign-up bonuses

Deal

Free 16-25 railcard with Santander Student

Free 4-year Santander 16-25 Railcard to save 1/3 on rail travel in Great Britain. T&Cs apply.

Refer-a-friend bonuses in the UK

We’ve rounded up refer-a-friend offers available from a range of digital banks and e-money institutions. These include popular deals from banking apps like Revolut and Monzo.

Banking refer-a-friend bonuses

Deal

Free £10 when you refer a friend

No minimum spend but must make a payment within 30 days. T&Cs apply.
Deal

Earn up to £60 when you refer a friend

Earn up £60 when you refer a friend to Revolut. The friend must order a physical card and make 3 purchases of £5 minimum each. T&Cs apply.

Money transfer refer-a-friend bonuses

Code

Sign up and get £10 off your first transfer when you send £100

Sign up to Remitly and get £10 off your first transfer when you send £100 or more. T&Cs apply.

Share trading refer-a-friend bonuses

Deal

£50 refer-a-friend cashback

Referee must have deposited £1,000 and leave it invested for 6 months to receive the bonus. T&Cs apply. Capital at risk.
Code

£25 referral voucher

Voucher redeemable at a range of UK outlets. Referee must enter 'RECAF' promo code when applying. T&Cs apply. Capital at risk.

Travel card refer-a-friend bonuses

Deal

Free £10 when you refer a friend

To receive the £10 reward, the referee must successfully sign up and spend £100 or more using their Currensea card. T&Cs apply.

Frequently asked questions

Why do banking apps offer sign-up deals?

Banks and banking apps offer sign-up deals to entice new customers. They’re happy to pay to acquire new customers because once an account is open they’re then able to offer other products to that new customer. It’s mutually beneficial, because customers get rewarded for trying (and sometimes continuing to use) a new app, while banks are able to incrase their customer base.

Are there any catches?

Sometimes there will be some extra hoops to jump through to get the bonus. This could be something like depositing a certain amount of money in the account and keeping it there for a certain amount of time or making a number of qualifying transactions. You may also need to offer a current account to access a savings account, or vice versa. Just make sure you’re aware of the eligibility criteria and be sure you can fulfil it.

Will a reward impact my credit score?

There normally isn’t an impact on your credit score just from accepting a sign-up bonus or earning rewards from your account. But if you’ve switched current accounts to get an offer or reward, there’s a chance this can temporarily affect your credit score. When you open a new account, banks normally do a hard credit search, which shows up on your credit file.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

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