How to make and earn money online and offline in the UK

Earn some extra cash from the comfort of your own home.

There are plenty of legitimate ways to earn some extra income without needing to leave your home. All you’ll need to get started is an internet connection and a smartphone or laptop.

Just remember that you are responsible for paying any necessary tax on the money you earn. You can earn up to £1,000 tax-free each year from the types of self-employment activities mentioned below, thanks to the trading allowance. But if you earn anything over this, you may need to pay tax.

  1. Take advantage of sign-up offers from banking apps

    One of the easiest ways to earn yourself some free money is by signing up for an app, account or service. There’s a whole range of products that offer these sign-up bonuses, including bank accounts, investing accounts, pensions, cashback sites and money transfer providers. If you’re interested in a new product anyway then it’s an extra incentive to try it out.

    Brand
    Bonus type
    Product type
    Offer details
    Link
    InvestEngine Sign-up Investing Sign-up welcome bonus of £20-£100
    Capital at risk
    Revolut Sign-up Banking apps Get a sign-up bonus of £20 Get deal
    IG Refer-a-friend Investing Earn £50 when you refer a friend Get deal
    Capital at risk
    Freetrade Sign-up Investing Free stock worth £10-£100 Get deal
    Capital at risk
    NatWest NEW Switching Bank account £175 when you switch to an eligible NatWest account Get deal
    Royal Bank of Scotland NEW Switching Bank account £175 when you switch to an eligible RBS account Get deal
    Santander NEW Switching Bank account £180 bonus for a current account switch Get deal
    TSB NEW Switching Bank account Switch for up to £310 in cash and vouchers Get deal
    Robinhood Sign-up Investing Free stock up to $175 Get deal
    Capital at risk
    Monzo Refer-a-friend Bank account Free £10 when you refer a friend Get deal
    Revolut Refer-a-friend Bank account Earn up to £50 when you refer a friend Get deal
    Zopa Refer-a-friend Bank account Get £10 for opening an account with Zopa Get deal
    Revolut Pro Sign-up Business banking Get a sign-up bonus of £20 Get deal
    iFast Global Sign-up Banking apps Get a sign up bonus of £5 & 2% cashback on spending Get deal
    Quidco Sign-up Cashback Get £20 cashback when you refer a friend Get deal
    Swagbucks Sign-up Online surveys £10 worth of Swagbucks points when you sign up Get deal
    GoHenry Sign-up Kids bank account Get a £20 pocket money bonus for your child
    Western Union Refer-a-friend Money transfer Get £10 when you refer a friend Get deal
    Skrill Refer-a-friend Money transfer Get £10 off your first transfer when you refer a friend 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
    Pensionbee Sign-up Pension Open a pension and receive a £50 bonus Get deal
    Capital at risk
    Danske Bank Switching Bank account Get up to £175 switching bonus when switching to Danske Bank (Northern Ireland only) Get deal
    Raisin Refer-a-friend Savings account Get a £100 bonus when you refer a friend Get deal
    Wealthify Refer-a-friend Share trading £50 refer-a-friend cashback Get deal
    Capital at risk
    Wealthyhood Refer-a-friend Share trading Free £5 to £200 ETF share when you refer a friend Get deal
    Capital at risk
    Scottish Friendly Refer-a-friend Share trading £25 referral voucher
    Capital at risk
    AJBell Dodl Refer-a-friend Share trading Refer a friend and you'll both get a £100 gift card Get deal
    Capital at risk
    Santander Sign-up Student account Free 16-25 railcard with Santander Student Get deal
    Currensea Refer-a-friend Travel card Free £10 when you refer a friend Get deal
    Snoop Refer-a-friend Banking apps Get a £5 Amazon voucher when you refer a friend Get deal
    Rakuten Refer-a-friend Cashback Earn £25 when you refer a friend Get deal
    Paypal Refer-a-friend Banking apps Get up to £10 when you refer a friend Get deal
    Cashback UK Sign-up Cashback Free £10 when you sign-up Get deal
    Penfold Sign-up Pension Earn £25 when you refer a friend Get deal
    Capital at risk
    AJ Bell Refer-a-friend Share trading Refer a friend and you'll both get a £100 gift card Get deal
    Capital at risk
    AJ Bell Dodl Refer-a-friend Share trading Free £30 voucher if you refer a friend Get deal
    Capital at risk
    XE Refer-a-friend Money transfer Free £25 Mastercard gift card when you refer a friend Get deal
    Monzo Refer-a-friend Business banking Get £50 when you refer a friend to Monzo Business Get deal
    InvestEngine Sign-up Pension Sign-up welcome bonus of £20-£100
    Capital at risk
    Widilo Sign-up Cashback Get a £5 welcome bonus when you sign up Get deal
    Fidelity Refer-a-friend Share trading Receive a £100 gift card when you sign up Get deal
    Capital at risk
    Bex Refer-a-friend Bank account Free £5 when you refer a friend Get deal
    Monese Refer-a-friend Banking apps Free £5 for both you and your friend Get deal
    Sidekick Refer-a-friend Share trading Earn £50 when you refer a friend Get deal
    Capital at risk
    SumUp Refer-a-friend Business banking Earn up to £100 when you refer friends Get deal
    Tembo Sign-up Savings account Get up to £250 when you open an account with Tembo Get deal
  2. Many companies have refer-a-friend bonuses to get new users of their products. They work in much the same way a sign-up bonus works, but you and the person you refer can both benefit from them, rather than just you. This can be in the form of cash, vouchers, shares, unlocking better features or reduced fees for a given amount of time.

    Brand
    Product type
    Offer details
    Link
    IG Investing Earn £50 when you refer a friend Get deal
    Capital at risk
    Monzo Bank account Free £10 when you refer a friend Get deal
    Revolut Bank account Earn up to £50 when you refer a friend Get deal
    Zopa Bank account Get £10 for opening an account with Zopa Get deal
    Western Union Money transfer Get £10 when you refer a friend Get deal
    Skrill Money transfer Get £10 off your first transfer when you refer a friend Get deal
    Remitly Money transfer Sign up and get £10 off your first transfer when you send £100
    Currencyfair Money transfer Refer a friend and earn rewards Get deal
    Raisin Savings account Get a £100 bonus when you refer a friend Get deal
    Wealthify Share trading £50 refer-a-friend cashback Get deal
    Capital at risk
    Wealthyhood Share trading Free £5 to £200 ETF share when you refer a friend Get deal
    Capital at risk
    Scottish Friendly Share trading £25 referral voucher
    Capital at risk
    AJBell Dodl Share trading Refer a friend and you'll both get a £100 gift card Get deal
    Capital at risk
    Currensea Travel card Free £10 when you refer a friend Get deal
    Snoop Banking apps Get a £5 Amazon voucher when you refer a friend Get deal
    Rakuten Cashback Earn £25 when you refer a friend Get deal
    Paypal Banking apps Get up to £10 when you refer a friend Get deal
    AJ Bell Share trading Refer a friend and you'll both get a £100 gift card Get deal
    Capital at risk
    AJ Bell Dodl Share trading Free £30 voucher if you refer a friend Get deal
    Capital at risk
    XE Money transfer Free £25 Mastercard gift card when you refer a friend Get deal
    Monzo Business banking Get £50 when you refer a friend to Monzo Business Get deal
    Fidelity Share trading Receive a £100 gift card when you sign up Get deal
    Capital at risk
    Bex Bank account Free £5 when you refer a friend Get deal
    Monese Banking apps Free £5 for both you and your friend Get deal
    Sidekick Share trading Earn £50 when you refer a friend Get deal
    Capital at risk
    SumUp Business banking Earn up to £100 when you refer friends Get deal
  3. Sell your old clothes

    If your wardrobe is full of clothes you never wear, start selling them on websites such as Vinted or Depop. You can sell pretty much anything, but items in excellent condition, as well as designer brands, are likely to sell for more. You could also bundle items together, so that buyers save on postage (shipping costs are usually covered by the buyer).

    It’s important to take lots of good-quality photos of the items you’re selling and post an accurate description, including any flaws in the clothes, such as missing buttons.

  4. Take surveys

    There are lots of survey websites that pay you just for taking a survey and giving your opinion. You won’t earn a huge amount, but small sums can soon add up.

    Avoid sites that charge a joining fee, but take a look at Swagbucks, YouGov, Ipsos i-Say and OnePoll to get started. It can be sensible to set up a separate email address so that you can keep your survey emails separate from your personal ones.

    Depending on the survey site, you might get paid in cash or vouchers, and you’ll usually need to meet a certain threshold before you can receive a payout. This makes it crucial to compare websites carefully and check the small print, so that you know what you’re signing up to.

  5. Trade in old electronics

    If you’ve got an old phone, gaming system or even CDs and DVDs lying around collecting dust, sell them!

    Take a look at websites such as Envirofone, MusicMagpie and CeX to see where you can get the best price. You can usually get a quick quote online and once you’re happy, you can package up your goods and send them in. After your items have been inspected, you should receive your cash.

    Alternatively, you can try to sell them yourself on Facebook Marketplace or eBay.

  6. Pick up freelance work

    If you’ve got experience in writing, designing, video editing, programming or marketing, you could earn some extra cash by picking up freelance work through platforms such as Upwork and Fiverr.

    You’ll typically need to create a free profile, and depending on the platform, you’ll either receive orders or get matched to suitable jobs, or you might need to bid on the work you wish to take on.

  7. Test websites and apps

    Websites such as UserTesting and Web Usability let you test a range of websites and apps and provide feedback on what worked well and what didn’t. You don’t need to be a web expert to sign up, but you might need to pass a short practice test first.

    Once you’re signed up, you can start taking paid tests straight away. To do this, you’ll need to look at a website and answer questions about it. The amount you can earn depends on the test type, duration, and customer demand, although Web Usability says payments are usually £40 to £50.

  8. Become a private tutor

    These days it’s easy to tutor people online, whether you teach maths, foreign languages, science or a musical instrument. Use websites such as MyTutor or Tutorful to create your free profile and get access to students looking for tuition.

    Depending on the site, you might need to have a short interview, but you don’t usually need to have a formal teaching qualification. The amount you earn will likely depend on your location and your experience, as well as what’s in demand. According to MyTutor, you can earn from £12 to £52 an hour.

  9. Sell your photos

    If you love taking photos, you could think about selling some of them on stock photography sites such as Alamy, Getty Images and Shutterstock. You can often earn between 15% and 50% of an image’s sale price, but competition is high, so make sure your photos stand out.

  10. Become a virtual assistant

    A virtual assistant is someone who carries out administrative tasks for an organisation or clients, usually from their own home. You might have to schedule calls and meetings, monitor email accounts, and book travel arrangements, for instance. Some roles also involve bookkeeping and data entry.

    Take a look at websites such as Upwork, LinkedIn and Reed to help you find a virtual assistant job.

  11. Start a blog

    If you’ve got an original idea you’re passionate about, you could start your own blog, using platforms such as WordPress, Tumblr and Typepad to get started.

    You’ll need to update your content regularly and make sure it’s engaging enough for your audience. As your blog builds, you might be able to start selling ad space, host sponsored content and work with affiliate programs to bring in more income.

  12. Use rental sites

    These days you can rent out pretty much anything to earn some extra money through online platforms. For example, if you have space on your driveway you can rent this out through sites like JustPark or YourParkingSpace – you’re likely to earn more if you live near a busy station, city centre or big attraction.

    Alternatively, you could rent out spare storage space, such as your garage or loft, though sites like Stashbee. Or you could rent out your car when it’s not in use, through sites like Hiyacar and Turo.

    Be aware you might need to pay a joining fee for these platforms, and you should always check how insurance works and whether you need to inform your own insurance provider first.

  13. Become a pet sitter or dog walker

    If you’re an animal lover, then you could turn your passion into a side hustle and offer up your services for pet sitting or dog walking.

    You don’t need any formal qualifications to become a pet sitter, but experience with animal care is obviously a plus. It’s also important to consider getting some insurance. While it’s not a legal requirement in the UK, it’s highly recommended that pet sitters have some public liability insurance.

    To get started, you could build your own website or create a profile on platforms like Rover.com or Pawshake to showcase your skills and experience.

  14. Shop on cashback websites

    Cashback apps and websites like TopCashback, Quidco and Rakuten offer a simple way to boost your bank account. By doing your regular shopping through these platforms at partner retailers, you can earn a certain percentage of cashback on all your purchases.

    Remember to check for bonus offers, as sometimes you can maximise the amount you earn through bonuses on specific purchases or for signing up.

  15. Create and sell handmade items

    If you’re a crafty person, you can put your skills to work and make yourself some money online. Sites like Etsy, Amazon Handmade and Not On The High Street make it easy to sell creations like personalised gifts, jewellery, homeware and birthday decorations. Just make sure to account for the costs of the materials and research what the average market price is for the type of item you’re selling, to make sure it’s worth your while.

  16. Become a freelance photographer

    Have you got a keen eye for what makes a good picture? If so, you could set yourself up as a freelance photographer. This could be as a wedding photography, family portrait photographer or pet photographer. You’ll need to invest in some kit and photo editing software, but there are no formal training or qualifications required.

Bottom line

There are plenty of different ways to earn some extra cash online – all you need to decide is where your skills and preferences lie, as well as how much time you’re happy to devote to your project.

If you’re signing up to any online platforms, remember to check the small print to find out whether you need to pay any fees. It’s also worth looking into how much you might earn before getting started.

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio

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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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