Quick answer
Which apps give you free money in the UK?
As of 5 Nov 2026, the verified no-deposit sign-up bonuses are TopCashback (£10 after earning £10 within 180 days), Quidco (£10 after £5 cashback) and Airtime Rewards (£2 after spending £5 within 7 days). Investing apps InvestEngine (£20–£200 after investing £100+) and Webull UK (5 shares after depositing £500+) need a deposit, and your capital is at risk.
Last checked: 5 November 2026
Key facts
- TopCashback £10 for joining 31 Oct–9 Nov 2026 and earning £10 within 180 days. Source: TopCashback Refer & Earn terms.
- Quidco £10 once you’ve earned £5 cashback. Source: Quidco referral sign-up page.
- InvestEngine £20–£200 random bonus for investing £100+; stay invested 12 months. Source: InvestEngine incentive terms.
- Webull UK 5 fractional shares for a single £500+ deposit held 60 days; ends 31 Mar 2027. Source: Webull UK Welcome Campaign terms.
Disclosure: names marked #ad are our referral links — if you join through one we may get a bonus, at no extra cost to you. See how we make money. Investing offers put your capital at risk.
Cashback and card-linked apps (no deposit needed)
TopCashback #ad
- Join via a referral link between 31 Oct 2026 10am and 9 Nov 2026 10am GMT
- Earn at least £10 at eligible brands within 180 days
- Those transactions must be approved
Quidco #ad
- Join through a referral sign-up link
- Paid once you’ve earned £5 cashback with Quidco
Airtime Rewards #ad
- Download the Airtime app and enter the code below when you sign up
TWYLX44M - Link a card
- Spend £5 at a participating retailer within 7 days
Rakuten UK #ad
- Runs a welcome bonus for new members
- We couldn’t verify the amount on Rakuten UK’s own page today
More detail: cashback welcome bonuses, TopCashback vs Quidco vs Rakuten and our Airtime Rewards review.
Investing apps (deposit needed, capital at risk)
InvestEngine #ad
- New customers only
- Invest £100+ in an ISA, GIA or SIPP
- Random bonus: 75% chance of £20–£24
- Stay invested 12 months or it is reclaimed
- Capital at risk
Bank accounts
The biggest single bonuses come from switching your current account. HSBC, NatWest and Nationwide switch offers — with every condition from the banks’ own pages — are in our bank switch offers guide.
How to actually get paid
- Sign up through the link or code first — most bonuses can’t be added afterwards.
- Diarise the deadline (7, 60, 90 or 180 days depending on the offer).
- Keep screenshots of the offer and your qualifying purchase or deposit.
- Don’t withdraw early from investing offers — that can cancel or reclaim the bonus.
- Bonuses and rewards may count towards your income for tax — see our side hustle tax guide.
Prefer earning from surveys? See fastest paying survey sites and PayPal minimum payouts.
Sources
- TopCashback — Refer & Earn terms (checked 5 Nov 2026)
- Quidco — referral sign-up page: “£10 bonus will be paid once you’ve earned £5 cashback” (checked 5 Nov 2026)
- Airtime Rewards — Terms (checked 5 Nov 2026); £2/£5/7-day offer from the in-app invite
- InvestEngine — incentive terms
- Webull UK — Welcome Campaign terms (PDF)
Frequently asked questions
Which free money apps need no deposit?
Cashback and card-linked apps: TopCashback, Quidco and Airtime Rewards pay after you earn cashback or spend at retailers, with no deposit.
Is the InvestEngine bonus guaranteed?
You get a random bonus of £20–£200 (75% chance of £20–£24) after investing £100+, and it is reclaimed if you don’t stay invested 12 months (InvestEngine terms). Capital at risk.
Do I pay tax on sign-up bonuses?
Bonuses and rewards may count towards your income. See our side hustle tax guide and HMRC guidance.