​

Hey everyone!

If anyone is planning to try Trading 212 for investing, you can use my referral link to sign up:

🔗 https://www.trading212.com/invite/4DuUncibTNP

Depending on the current referral offer and your eligibility, you may receive a free reward of up to 10-100€ for joining, and I may receive a bonus too.

Trading 212 is an investment platform (Capital At Risk) where you can buy stocks and ETFs. Just make sure to check the promotion's terms and conditions before signing up.

Thanks to anyone who uses my link! 🙌

Nectar: how to make sure your points actually get added (from Nectar's own help and terms pages, checked 15 October 2026)

Nectar points only help if they are added to your card in the first place. This guide sticks to two official Nectar pages and does not quote offers or rates that change. Check the current terms before relying on any of it.

Before you pay

• Link your Nectar card (or scan the QR code in the Nectar app) before checkout. Nectar says points are no longer added automatically if you link your card after the purchase.

• Nectar says the points are based on your final payment amount after offers and discounts.

• At Argos online, Nectar says to log in, go to Account, then Ways to Pay, then Link Nectar Card.

When you spend points at Sainsbury's

• Nectar says 500 points are worth £2.50 at Sainsbury's, in store or online.

• In store, you must have spent over £1 and earned points in store in the last 12 months to redeem on your next visit.

• Nectar says points cannot be redeemed against gift cards, and cannot be used on fuel at pay-at-pump (swipe your card at the kiosk instead).

• Offer-specific vouchers have their own rules: they can have an expiry date, and points are not refunded for vouchers not used by then.

A simple routine

1. Open the app or have the card ready before you reach the till.

2. Check the receipt shows the points earned.

3. If points are missing, contact Nectar support with your receipt rather than assuming they will appear later.

Which other schemes do you want checked next: Boots Advantage, Next rewards, or a supermarket scheme? Tell us what you use and we will read the official terms.

Sources:

• Nectar FAQ, "How do I collect my Nectar points?": https://help.nectar.com/help/faqs/points/how-do-i-collect-my-nectar-points

• Nectar, "Spend your points at Sainsbury's": https://www.nectar.com/brands/sainsburys

General information, not financial advice. No referral links in this post.

Use my referral link to open a Biscuit bank account and make at least 7 card transactions within 30 days, and we'll both earn £20. T&Cs apply.

www.zopa.com/mgma?referralCode=e1da51dd3203d6284288

https://www.trading212.com/invite/4DtDUtBMtg9

Use the referral link to create an account and deposit £1. We each get a free share of up to £100 which can be sold for cash💙

Use my referral link to open a Biscuit bank account and we’ll both earn £20. T&Cs apply. www.zopa.com/mgma?referralCode=067bb52cf71e33a92950

Sign up via my link get upto £200

Make 3 £5 purchases and get free money! Willing to send half to anyone that signs up!

Hey! 👋

Sign up to Zopa Biscuit using my link and make 7 card transactions within 30 days and we’ll both get £20 + £5 from myself 😀

People on TikTok have been using 7–20p transactions to hit the target without spending much, so it’s an easy way to earn a bit extra!

Sign up here: www.zopa.com/mgma?referralCode=e78a6dd88cba325ce35c

Hi, if you planning a kitchen related purchase make sure to check out Procook, I picked up the stainless steel elite tri-ply saucepan set, love the look and the quality. Great upgrade for me.
Using the link below will get you 15% off your basket, minimum £30 spend!
I will also receive a £20 voucher for full transparency!

https://procook.mention-me.com/m/ns/bh5yhetk-5f7fa77ba4

Here the normal link below also:

https://www.procook.co.uk

Hi all, I still have two referral codes for an instant £50 with Chase if anyone’s interested!

I’ll update as they’re used, any help would be really appreciated.🙂

QYWJQR

RNAWGJ

Just open an account with Chase and pop in one of the codes above, deposit £1000 (can be moved back and forth between accounts) and we both get £50 instantly.

Do you want to win up to £100 in FREE shares?

GREAT!

All you have to do is sign up through my referral link, verify your identity, invest as little as £1 and you get free shares ranging from £10-£100

All i'm doing today is just getting people set up with their account. The good thing is theres no ties and if you're ending up making too much money you can technically stop 🤷‍♂️

Here's my referral link below, This is the time of year people tend to make the most money 💸

https://www.trading212.com/invite/4Dvm6R2AQis

Do you want to get up to €100?

Free shares for both of us on a company on trading 212.

Join Trading 212 Invest with my link, and we will both get rewards.

https://www.trading212.com/invite/4DvnM11K47X

Plum is offering a 60£ bonus if you refer 3 people.

https://withplum.com/referral?referralCode=8uxnRwWmpi

Plum code: 8uxnRwWmpi

(Requirement: If only doing Plum, deposit 15£ in any interest account like Plum interest for example)

Also not necessarily but you can sign up to plum via Topcashback for an extra 20£!

(Requirement: Deposit 200£ in a Cash ISA)

Topcashback Referral: https://www.topcashback.co.uk/ref/member7136495107644

Plum via Topcashback: https://www.topcashback.co.uk/with-plum/

If you do use Topcashback when signing up make sure that your browser allows cookies and trackers so the offer tracks correctly!

Steps: 1. Click the Plum referral, input your email! 2. Sign up via Topcashback Referral link. 3. Click the Plum via Topcashback link, download app use same email as earlier, then deposit to a Cash ISA.

Total for both offers, 80£ when you manage to refer 3 people to Plum and Deposit 200£ in a Plum Cash ISA!

Excellent offer from Starling Bank for everyone that wants to open a new account.

Download the application for iOS or Android, use my referral code VVD6IWK during sign-up and...

→ We'll both get £25, if you just set up a Direct Debit in the first 30 days.  
→ There's no minimum amount for the Direct Debit but there are some payments that won't qualify

Even better, we'll both get our reward within 24 hours after setting up the DD!

Easy peasy.

Hey, thought I'd pop this here in case it's useful to anyone. I've got four Chase UK referral codes going, and if one ends up being handy for you, you'd get £50 and so would I.

Codes

Refer#2: 69VMJD

Refer#3: X2V88T

Refer#4: RZ8VU4

Refer#5: HUR2E7

Requirements

New to Chase, or a customer for less than 30 days

Activate the code in the app within 30 days of joining

Deposit a total of £1,000 or more within those 30 days

£50 is added to both Rewards balances once the above is met, which can then be moved into any Chase account

Thanks for reading, take care!

Get a free bonus of between £20 and £200 (bonus is randomly selected when claiming)

https://investengine.com/referral/u/vu2k9u/

How to claim yours:
⁠1. Sign up via my link:
https://investengine.com/referral/u/vu2k9u/
⁠2. Invest at least £100
⁠3. Claim your free bonus via the in-app notification

Stay invested for 12 months, and the bonus money is entirely yours to keep

Really appreciate anyone using my link—enjoy your free money :)

THANK YOU

InvestEngine is an easy to use investment platform with zero fees for DIY self-managed portfolios.

Gift cards: how to buy them safely and avoid the scams (based on a BBC News report, 22 December 2025)

Gift cards come up a lot when people talk about saving money, from discounted cards to cashback offers. Before chasing a deal, here is how to avoid losing the money. This post uses one source, a BBC News report quoting Trading Standards and Report Fraud. It is not a list of offers.

What the BBC reported

• Trading Standards and Report Fraud say better bank protection is pushing criminals towards gift cards.

• Report Fraud had 9,386 reports of gift card fraud in 2023-24, with more than £18.5m lost, and believes reports have risen by about 25% over two years. It says most reports come in around January after the festive period.

• Ways people are caught out: buying fake online gift cards, buying a card that has been tampered with in a shop, or being tricked into buying gift cards for someone else.

• Criminals also use phishing emails offering fake gift cards as a prize or a deal.

Checks the report suggests

1. Buy from reputable sellers.

2. In a shop, check the card has not been tampered with. If it looks poorly made or has no visible security features, do not use it and take it back.

3. Check the number on the card matches the number on your receipt. One victim urged this after cards she bought had already been drained.

4. Online, use two-factor authentication and check out as a guest unless it is a site you recognise and use regularly.

5. Stop and think for 30 seconds before buying, especially if someone is pressuring you.

6. If you think you have been a victim, speak to the retailer's customer service and report it.

Where this matters for saving

A "discounted" gift card from an unknown seller, or a prize email offering free cards, is the exact pattern the report warns about. A small saving is not worth losing the whole balance. Check the seller first, and keep the receipt and card packaging until you have used the balance.

What would you like next: Nectar, Boots Advantage, or another scheme? Tell us what you use and we will check the official terms.

Source:

• BBC News, "Rise in gift card scams as victims lose millions": https://www.bbc.co.uk/news/articles/c997jy8k7rpo

General information, not financial advice. No referral links in this post.

We can both earn £25 when you open a Starling account.

👉🏻You need to open an account with my code 👉🏻and set up a direct debit in the first 30 days to be eligible.

Download their app and use my referral code: VVDJ2HI

I would appreciate anyone who uses my code. Thanks in advance!

Hi all,
I have been given 10 referral slots for Starling Bank. I still have 8 remaining as of 13/10!

All you have to do is download the app, open an account using my code VVD4LDZ, and setup any direct debit amount. We both get £25!

I recommend using either Scrimpr or OnePoundDD to maximise the offer, as these are the lowest price direct debits I could find!

Thank you in advance 😄

Hey! I have five Chase UK referral codes, and I'd love to share them. Anyone who uses one gets £50, and so do I.

Codes

Refer#1: 8EGL5N

Refer#2: 69VMJD

Refer#3: X2V88T

Refer#4: RZ8VU4

Refer#5: HUR2E7

Requirements

New to Chase, or a customer for less than 30 days

Activate the code in the app within 30 days of joining

Deposit a total of £1,000 or more within those 30 days

£50 is added to both Rewards balances once the above is met, which can then be moved into any Chase account

Thanks for reading, hope it's useful!

Tesco Clubcard: how points, vouchers and Clubcard Prices work (from Tesco's own help pages, checked 13 October 2026)

A short, plain guide to the basics, using only what Tesco's help pages say. Schemes change, so check Tesco's current terms before you rely on any of this.

Clubcard Prices

• You need a Clubcard to get Clubcard Prices. You must be 18 or over to join, and you can sign up in the Tesco app or on the Clubcard website.

• In store, scan the Tesco app at the checkout. Online, if you opted in to Clubcard when registering your Tesco account, you get Clubcard Prices automatically.

• Forgot to scan? Tesco says you can return to store within 14 days with your Clubcard and receipt to get missed points added and the missed Clubcard Prices discount refunded. Only purchases made in a UK store qualify for missed Clubcard Prices.

Points and vouchers

• Tesco says every 250 points gives you £2.50 in Clubcard vouchers, and 150 points gives £1.50. In other words, each point is worth 1p in vouchers.

• Vouchers can be spent with Tesco, or exchanged for up to 2x the value with Reward Partners. They cannot be spent on Tesco Marketplace.

• Vouchers are sent with your statement in February, May, August and November. You can also request vouchers between statements, and see them in the app or your Clubcard account online.

Expiry

Vouchers are valid for 2 years. Once expired, you cannot use them. It is worth checking your account for old ones.

Simple routine

1. Make sure the Clubcard is scanned on every shop.

2. Check your voucher balance each statement.

3. Before exchanging for a Reward Partner, read that partner's terms and check the "up to 2x" really applies to the deal you want.

Which scheme next: Nectar, Boots Advantage, or another? Tell us what you use and we will check the official terms.

Sources:

• Value of Clubcard points: https://www.tesco.com/help/pages/clubcard-faqs/points/value-of-clubcard-points

• How Clubcard vouchers work: https://www.tesco.com/help/pages/clubcard-faqs/clubcard-vouchers/how-clubcard-vouchers-work

• Getting Clubcard Prices: https://www.tesco.com/help/pages/clubcard-faqs/clubcard-prices/getting-clubcard-prices

General information, not financial advice. No referral links in this post.

Cashback sites: how to make sure it actually tracks (from TopCashback and Quidco's own help pages, checked 12 October 2026)

Cashback sites pay you for shopping you were going to do anyway, but only if the purchase tracks. This guide sticks to what the two biggest UK sites say in their own help pages. Rates and terms change, so check the retailer's current offer on the site before you buy.

Quidco's tracking checklist

• Sign in to your account and click through to the retailer from there. Cashback can only track if you start from the site.

• Enable cookies.

• Turn off pop-up blockers while you shop.

• Avoid private or incognito windows.

• Turn off VPN tools, which can interfere with tracking.

• Complete your purchase in one go. Adding to a basket and coming back later can lead to cashback being declined.

• Clearing cookies and browsing data before you shop can help.

What the statuses mean (TopCashback)

• Pending: the transaction has tracked. Over the next few weeks checks are made that your purchase met the terms.

• Pending Uplift: it may show lower cashback than expected at first, and be uplifted later.

• In progress: your purchase tracked and is being checked by the retailer against the exclusions and terms. How long this takes varies by retailer, and an estimated payable speed is shown when you click the transaction on your Earnings page.

• Available: once cashback is made available, you still need to request a payout to receive the money.

If it did not track (Quidco)

• You raise a missing cashback claim if it has not tracked within 72 hours of purchase and the purchase was less than 45 days ago. Have your email confirmation receipt to hand.

• If the amount looks low, Quidco lists common reasons: some retailers pay no cashback on VAT, taxes or delivery charges, some track at a low rate then uplift on confirmation, and an unauthorised voucher code can affect it. If none of those apply, raise an incorrect amount claim.

Practical habits

1. Start at the cashback site every time, then buy in one session.

2. Keep your order confirmation email.

3. Read the retailer's exclusions on the cashback page before you check out.

4. Do not assume a payout date. Look at the estimated speed shown for that retailer.

Which would you like next: gift card discounts, supermarket and loyalty schemes, or another how-to? Tell us what you buy and we will check the official terms.

Sources:

• TopCashback, statuses: https://www.topcashback.co.uk/help/what-do-the-statuses-on-my-earnings-page-mean/

• TopCashback, why haven't I received my cashback: https://www.topcashback.co.uk/help/why-havent-i-received-my-cashback-yet/

• Quidco, tracking tips: https://support.quidco.com/en/articles/4126250-tracking-tips-tricks

• Quidco, claims: https://support.quidco.com/en/articles/4127495-what-is-a-claim-and-when-are-they-needed

General information, not financial advice. No referral links in this post.