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TopReferrals
UK Referral Leaderboard · re-checked 21 June 2026

Every UK referral bonus, ranked and scored.

We score 13 live UK referral and sign-up offers on one transparent 0–10 scorecard — reward, ease, speed and protection — so you can see the best at a glance, not guess.

TopReferrals ranks 13 verified UK referral offers across 8 sectors on one 0–10 scorecard. Monzo leads at 8.5/10; the biggest two-sided cash bonus is £50(Monzo Business). Every figure is read from the brand's own terms, link-tested daily and re-scored monthly.

  • Checked against each brand's terms
  • Link-tested daily
  • One transparent scorecard
The 2026 league table

Every offer, scored and ranked

  1. Ranked number 1: Monzo logo
    MonzoBanking

    £10 each side (£50 business)

    8.5Elite
  2. Ranked number 2: Forest logo
    ForestMobility

    £10 free riding each side

    7.5Strong
  3. Ranked number 3: Railway logo
    RailwaySoftware

    $20 in deploy credit

    7.5Strong
  4. Ranked number 4: Rebtel logo
    RebtelCalling

    $10 credit each side

    7.3Solid
  5. Ranked number 5: PayPal logo
    PayPalWallets

    £10 each side after a £5 spend

    7.2Solid
  6. Ranked number 6: Wispr Flow logo
    Wispr FlowSoftware

    A free month of Flow Pro

    7.2Solid
  7. Ranked number 7: Lime logo
    LimeMobility

    £4 ride credit each side

    6.9Solid
  8. Ranked number 8: ClassPass logo
    ClassPassFitness

    20 bonus class credits

    6.8Solid
  9. Ranked number 9: TopCashback logo
    TopCashbackCashback

    £20 sign-up bonus

    6.8Solid
  10. Ranked number 10: Klarna logo
    KlarnaWallets

    £10 to join with the Klarna Card

    6.5Solid
  11. Ranked number 11: Trip.com logo
    Trip.comTravel

    30-day Traincard — 4% off UK rail

    6.3Solid
  12. Ranked number 12: Voi logo
    VoiMobility

    £2.50 ride credit to start

    6.2Solid
  13. Ranked number 13: Revolut logo
    RevolutBanking

    In-app welcome offer for new joiners

    4.6Fair

Scored 0–10 across six factors — see how we rank. Rewards shown are what the new joiner receives.

By sector

Find the best offer for what you need

The TopScore

A score you can reproduce

Every offer is rated 0–10 on six weighted factors, drawn from the brand's own terms. The weights are fixed and public, so the number isn't a hunch — it's a method anyone can check.

Read the full methodology
  • Reward value28%

    How much the new joiner actually receives, in real money.

  • Ease of claiming20%

    How little you must do to qualify — fewer, smaller steps score higher.

  • Payout speed15%

    How quickly the bonus lands once you've qualified.

  • Protection & trust13%

    FSCS-protected deposits rank above safeguarded e-money or unregulated credit.

  • Two-sided value12%

    Whether both you and the person who referred you are rewarded.

  • Dependability12%

    Evergreen, stable terms and a live link — not a countdown campaign.

Questions

Before you claim

How does TopReferrals rank referral codes?

We score every offer 0–10 across six weighted factors — reward value, ease of claiming, payout speed, protection, two-sided value and dependability — using each brand's own published terms. The weights are published on our methodology page, so anyone can reproduce a score. The league table on this page is the result.

Are these the best referral codes in the UK?

They are the highest-scoring verified offers we track for 2026, led by Monzo. 'Best' depends on what you want — the biggest cash bonus, the fastest payout, or one that works where you live — so we show the full score breakdown for each, not just a single number.

Do I get a better deal from a different code?

No. A brand sets a single referral reward for everyone, so individual codes don't pay differently — they only differ in whether they're still live. That is why we rank one verified offer per brand and re-check it daily, rather than asking you to try a list.

How often are the offers checked?

We re-test every live link daily and re-read each brand's terms monthly, then re-score. The date on each page is a real one — the day that check last ran, not the day the copy was edited.

Is TopReferrals free to use?

Yes. We may earn a commission when you use a referral link, at no extra cost to you and with no change to the reward you receive. That is disclosed on every offer page and on our disclosure page.

Ranked #1 · 8.5/10

Start with the top-ranked bonus: Monzo.

The most dependable banking referral in the UK — a fixed, two-sided cash bonus paid in minutes on a fully FSCS-protected account. Our number one.