Finance app and fintech offers

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.

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.

Twig: £5 welcome bonus

The app Twig will give you an offer on tech and clothes you want to sell, and if you cash out you can use the earnings to spend via a dedicated Visa debit card.

If you join with the code adwebb1 and register for a card you’ll get £4, and another £1 when you complete your first payout.

Banking app welcome 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 (use the link here, ask around or look online) and make a card payment in 30 days. Make sure the landing page when you follow a link explicitly says you’ll earn £5.

Here’s my full review of the bank.

Tide business: Earn £100

This short-term Black Friday offer via Nerdwallet is better than the other offer listed below. You’ll get £100 and you just need to add £50 to your account rather than spend any cash. Use the code BLACKFRIDAY2022 when joining. Ends 30 November 2022.

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.

Monese: Get up to £30

This offer is slightly better and could earn you up to £30 in credit. However you will need an existing Monese customer to share their referral code or link.

**My link has reached its limit however if you find someone who can share their own referral code you’ll be able to take advantage.**

Sign up with a promo code (ANDR4552 (code expired). You can sign up for any tier, though I’d go for the free plan.

Once you get the card, use it for any transaction to earn £20. There’s no minimum spend required to trigger this bonus.

To get the next bonus, you need to spend another £500 on the card or send the same amount abroad. This can be any number of transactions. Once you reach that level you’ll get another £10 credit added to your account.

IMPORTANT: Payments with your Monese card towards things like credit card bills don’t count, so you will need to “spend” the money.

Monese: Get up to £20 for joining

You can get up to £20 free cash from Monese.

New customers can get up to £20 added to your account. You need to open an account with the promo code CLEVERCASH. Use this on sign-up, not on the promo tab within the app.

Then once you’ve used the physical debit card you’ll get £5 added to your account. Spend a total of £500 with the card and an extra £15 will be added. Full terms and conditions here.

Expired offers

Curve: £10 welcome bonus (expired)

Curve is a smart card that lets you pay with a single debit card yet connect your other Visa and Mastercards to it via the app – letting you choose which one you with, even after the transaction. Here’s my full review.

When you sign up via this link you’ll be eligible for a £10 welcome bonus – double the standard referral offer of £5. There’s no need to enter the promo code as the link has tracking which will register the offer.

Once you’ve signed up you then need to spend on the card. If you don’t want to wait for the card to arrive in the post you can access the details to use it online via the Curve app, or add the card to your digital wallets such as Apple Pay.

To use the £10 reward you need to use the app to select the Curve Rewards option before you pay.

Money Dashboard: £4 Amazon voucher welcome (expired)

If you’re looking for an app to help manage multiple current accounts and credit cards then Money Dashboard is one of the original and best.

New customers can also get a £4 Amazon voucher (I’ll also get one) when they sign up and connect an account (via Open Finance technology).

You’ll be emailed the reward within five to seven days of doing this.

Chip: £15 welcome bonus (expired)

The Autosavings app Chip is offering new customers £15 if they sign up with the code CHIP-CJX271. You’ll need to then save at least £1 by 1 May 2022, and leave it in the account until 1 June 2022 when the bonus will be paid.

To avoid any charges make sure you select the free Chip membership tier.

Save more money

All the latest offers in my dedicated deals section

Andy's top deals

Revolut: Free £10 and three months Premium (expired)

You can get a £10 free credit from Revolut when you join for the first time via this link and access to one month’s free Premium.

To get the tenner you need to top up your account from another bank and then spend at least £1 on the card.

You’ll have to pay if you want a physical card so I wouldn’t bother. There’s a virtual card you can use straight away from the app or add to your phone’s wallet.

You don’t have to take the one-month free Premium but if you do it has to be within 72 hours of signing up. If you don’t want to continue with Premium once the initial month you can easily downgrade in the app. Don’t forget or you’ll pay £6.99 a month. If you ordered the card you’ll have to pay for it, so again, don’t do this unless you’re going to stick with Premium.

Ends 11 November 2022. Full terms and conditions are available when you click through.

Chase Bank: £20 welcome bonus (ended)

The new £20 referral scheme began on 11 May 2022. You do not need to switch. Here’s more on how it works, and how to refer your friends (earning up to £400).

Welcome bonus£20
Bonus paidUnknown
Open to existing customersNo
RequirementsUse the referral code iJLxpV8Q or one from a friend
Pay in £20 within 30 days of opening the account
ExclusionsNot already have or had a Chase Bank current account
Offer limited to once per person
Offer endsUnknown

Starling & Monzo cashback

If you have an account with either Starling or Monzo you can connect to the cashback app Tail. You’ll be shown offers which you need to activate, and then when you spend with your debit card at those retailers you’ll get the money paid to your account.

13 thoughts on “Finance app and fintech offers

  1. 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

  2. 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?

    1. Actually ignore the above. The free £10 was credited within around 24 hours following my purchase.

      1. Ha great

  3. Regarding the Revolut offer, if you cancel or downgrade premium you have to pay delivery and possibly a fee of £16.99!

    1. 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

  4. 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 ? 🙁

    1. Thanks Karolina. Let me know what happens

  5. 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.

  6. 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

    1. 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.

      1. Not possible. Financial services are excluded.

      2. Hi Andy, you said above that payments for credit card bills won’t count towards the £500 spend


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