UK investing apps compete hard for new users, which is good news for anyone signing up - because it means real referral bonuses that are actually worth chasing. Below is a rundown of the main ones, what you get, and where to find a working code.
Quick caveat: referral bonus terms change regularly, sometimes without much notice. The details below were accurate when this was written, but always check the current terms on the product's own website before committing.
Trading 212
Trading 212 is one of the most popular commission-free platforms in the UK, covering stocks and shares ISAs, general investment accounts, and a cash ISA. Their referral scheme gives both the existing user and the new signup a free share when the new user deposits at least £1.
The free share is randomly selected from a pool of stocks. Most land in the £3-£10 range, but the upper end can be well over £100, and the £1 minimum deposit makes it very low-risk to try. It's one of the better referral deals in UK investing right now.
Find a Trading 212 referral code →
InvestEngine
InvestEngine is a low-cost platform that does both DIY and managed investing, and it's become a popular choice for ISAs in particular. They run referral promotions periodically with cash bonuses - the amount varies, so check what's live on their site. New users typically need to invest a minimum amount and leave it there for a set period to qualify.
Worth noting that InvestEngine's fees are low enough to make it a platform worth keeping rather than just opening for the bonus.
Find an InvestEngine referral code →
Monzo
Monzo occasionally runs referral promotions with cash bonuses for new account holders - typically around £5 to the referrer, sometimes with something for the new user too. The terms vary a lot and the promotion isn't always running, so check whether it's active before you go looking for a code.
It's worth opening a Monzo account regardless of whether there's a referral bonus on. The spending pots and instant notifications are useful enough on their own.
Sprive
Sprive is a mortgage overpayment app that connects to your mortgage and helps you make small regular overpayments automatically. It's popular with people looking to reduce their mortgage term without having to think about it too much.
Their referral scheme typically offers a cash reward or subscription credit for both parties. If you're a homeowner and haven't looked at overpayments yet, it's a reasonable place to start.
Finding a code that actually works
Most referral code sites are full of expired or unverified submissions - you end up trying four or five before giving up. On ReferralBank, codes are reviewed before going live and are attached to real accounts, so the hit rate is noticeably better.
The list also rotates daily, so you're not just seeing whoever submitted first or paid for a featured slot. It's a different code at the top each day.