Try out new apps to help you and your finances and also get a free money bonus or voucher when you do
I love trying out new apps that help me track my spending, put money into savings or earn me interest. Often they’ll also come with a welcome or referral offer, and I’ll share these and any other decent ones below.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
Finance app offers
Trading 212 card: 1.5% cashback
Until 1 January 2025 you can get 1.5% cashback on your spending with the Trading 212 card, boosted from 0.5%. This offer has been extended, with it originally due to end on 1 November.
As before, you can still only earn £20 per month with the card, but you only need to spend about £1,333 to get this. After 1 January you’ll go back to getting 0.5% cashback.
Banking app offers
Monzo: £5 welcome bonus
New users of digital bank Monzo can get £5 credited to their account if they sign up via a refer-a-friend link and make a card payment in 30 days.
You’ll need to ask a friend for a link. Make sure the landing page when you follow a link explicitly says you’ll earn £5.
Here’s our full review of the bank.
Chip: Up to £50 welcome offer & 4.01% interest
Sign up for savings app Chip via this link and use the codes below to earn a bonus once you’ve saved at least £5,000 in the Instant Access account for 180 days (six months).
The size of the bonus is dependent on how much you deposit:
- £10 bonus when you deposit £5,000 and enter the code CLEVER5K
- £30 bonus when you deposit £10,000 and enter the code CLEVER10K
- £40 bonus when you deposit £15,000 and enter the code CLEVER15K
- £50 bonus when you deposit £20,000 and enter the code CLEVER20K
You can add the deposit in stages but it must reach the account by the end of the month.
Once you’ve downloaded the app and signed up, you can enter the promo code in the “Promos & Referrals” button via the profile tab. Then add the money.
Obviously if you need to access the cash you won’t get the bonus. It’s also worth comparing six month fix rates to see if these will earn you more in that period (though don’t forget to factor in the bonus).
The account, held with ClearBank, also pays an interest rate of 4.01%
Tide business: Earn £75
Sole traders and limited companies that open a brand new Tide account are eligible for a £75 welcome bonus. You’ll need to enter the code REFORM when you apply. Then once accepted, spend £300 on the debit card in the first three months.
The £75 will be credited to your account within eight weeks of meeting the criteria. You might be asked to prove you are running a business.
Money data offers
Unbanx: £3 for sharing bank data
Not as lucrative, but you can also make some cash sharing bank data via Unbanx.
You’ll get 150 points if you join via a referral link, and another 110 per month for your connected account.
You’ll need 492 points to claim £3 and 820 points to get a fiver, so it could take you four months to get than minimum payout.
There’s more on other money making apps here.
Get the best of our money saving content every Thursday, straight to your inbox
+ Get a £20 Quidco bonus (new members only). More details
Money app welcome offers
Snoop: £5 Amazon Voucher
Snoop is an app to help you track your spending. It also analyses your bank data to suggest ways you can save money. Right now there’s an offer to get a £5 Amazon voucher.
You must go via the link below for the offer to track.
Once you’ve downloaded the app and signed up you need to connect a bank or credit card account and stay connected until the end of the following month. Do this and the voucher will be sent.
Sprive: £5 welcome bonus
Sprive is an auto savings app (more on how these work here) where the money moved from your current account goes towards your mortgage rather than a savings pot. The idea is you’ll slowly make overpayments that’ll get you mortgage-free faster.
The standard referral offer is £5 (it’s occasionally doubled to £10). You’ll need to sign up with a code (such as 5NN3KXFL) and set up a Direct Debit linked to your bank account.
The bonus can only go towards your mortgage – so sadly if you’re not a homeowner this won’t be one for you.
Find our picks of the best offers in our dedicated deals library
Expired offers
HyperJar: Up to 2% cashback (ended)
New users of the HyperJar app can earn up to £200 a month if they sign up before 21 June 2024.
You’ll get 1% back on spend with the physical debit card, and 2% on payments via Apple Pay or Google Pay, capped at £200 each month.
So if you spend £500 a month with your card you’ll get £5, and another £10 if you spend a further £500 via your phone’s wallet.
Most of your spending will count, but there are some exclusions, including paying off credit cards, Council Tax, utilities, gambling and tax bills. Also excluded are buying gift cards via HyperJar.
The cashback will last until 31 October 2024 so you’ve potentially got six months to earn the cashback. You’ll get your money 30 days after each month ends. So spend in May and you’ll get the money on 30 June and so on.
The HyperJar account is free so it won’t cost you anything to spend via the debit card.
You cannot be a current or previous customer of HyperJar to get the offer. Full terms and conditions here.
Read next: Other bank reviews
- Halifax Reward account review: Is it any good?
- Club Lloyds review
- Chase Bank UK review
- Santander Edge vs 123 vs 123 Lite review: Cashback current accounts compared
- Barclays Blue Rewards review
- Virgin Money M Plus current account: Is it any good?
- Nationwide FlexDirect current account review
- Monzo bank review
- Starling bank review
- The best bank switching, cashback, interest & overdraft offers
The Chip welcome offer only works for the first 7 days. I recently signed up for chip, then found out that the welcome offer was available by just randomly reading this site. Tried to enter the code, but it informed me that the code wasn’t available for accounts older than 7 days, mine is 9….doh!
I can’t seem to connect to YouGov finance?
Anyone else having similar issues? I’ve sent two different email addresses but haven’t been sent a link.
First you need to sign-up at YouGov
https://yougov.co.uk/ or download the YouGov app.
Then go to https://www.yougov.finance/portal/
and add your accounts via open banking.
Hi Andy
I was offered the YouGov Finance deal to link accounts and cards some months ago but was concerned about security of my bank account and credit card details being shared with them. Was I wrong to feel anxious about this? Can you reassure that there’s no compromising of my details? I’d appreciate your advice as I must admit I was tempted to grab all those extra points. I have been completing the normal YouGov surveys for a few years now and have had a couple of £50 vouchers – it was just that the sharing of bank account details almost felt like it might be a scam. Thanks.
Sounds very much like a risk NOT worth taking – give away access to all of your bank accounts for “market insights” just to earn a few quid. Sounds like a stupid (desperate for the cash) thing to do?
It’s not a scam. YouGov are a well established and reputable company. The risks are very low. They explain the risks during the signup process. Allowing them access to your accounts and sharing your data is all done securely.
I only discovered this offer end of February 2024. I signed up and shared details of many credit card and bank current accounts. It was all quite quick and easy to do. I’ve not experienced any issues or problems at all. I’ve already received my first £50 cash, sent to my main bank account in March.
First you need to sign-up at YouGov
https://yougov.co.uk/ or download the YouGov app.
Then go to https://www.yougov.finance/portal/
and add your accounts.
I’ve been using YouGov Finance for some time now, including when in its Beta format. Works well other than Virgin Money, which insists I’ve got a 7 digit customer number, when I haven’t. Looks like there’s a complication with Clydesdale Bank, which I have pointed out, but which hasn’t been addressed after several months.
Andy thanks for sharing your refer a friend links. I really appreciate that you have road tested these apps and shared them with us. Working my way through the incentives now. Big thanks
Hi Andy, many thanks for all your work. Went for Revolut offer as thought may as well get the free £10. I followed the instructions above including going through that link and spending the £1. How soon should I expect the £10 to be credited?
Actually ignore the above. The free £10 was credited within around 24 hours following my purchase.
Ha great
Regarding the Revolut offer, if you cancel or downgrade premium you have to pay delivery and possibly a fee of £16.99!
I’ve had it confirmed by Revolut that this is a free trial for three months that you can cancel. If you can’t do this, send me an email and I can get my contact to look into it
I have registered for Snoop using the link provided at the end of January but didn’t get the voucher. I have emailed them today and they’ve asked me to provide the link I have used so I have sent them this webpage. I dont know if others also have had this problem that the voucher didn’t come ? 🙁
Thanks Karolina. Let me know what happens
Did you ever receive it? I registered today and was expecting to receive a confirmation email, as they state that “Those that have downloaded the app via the tracking link will get an email containing a reminder of these terms and conditions and details of the voucher”, but haven’t received anything. Did they send you one of those? Thanks
Hey Andy,
How do I know if I’m properly registered for the Monese cashback? I used your code but got no confirmation of the steps I need to do. I’ve already received my card and spent with it, so I’m a little suspicious that I might not be getting any rewards.
For Monese “Spend a total of £500 with the card and an extra £15 will be added.” do i need to spend 500 in specific period of time? like within 1 month ? Thank you
Hi KK, no, the terms from Monese don’t specify any specific time period. A quick hack though is to use it to pay a credit card bill which might help you get there fast.
Not possible. Financial services are excluded.
Hi Andy, you said above that payments for credit card bills won’t count towards the £500 spend
Hi,
When do you say credit card bill, that includes that type of top-up cards or vouchers that you can buy for later use in Tesco, Sainsbury and so?
For some reason when I buy that kind of voucher Chase does not count it for the 1% back, so maybe Monese will not count it either?