As title, I signed up to AJ Bell and funded my account with 10k and got the £100 Amazon voucher. A few weeks later I closed my account and withdrew the money. They returned the money today and now Customer Service have emailed me demanding I transfer £100 cash as Im in breach of terms for the 'Refer a Friend' scheme.

Anyone else encounter this or have any advice?

I've been playing TerraMine since the beginning, back when there wasn't even a way to cash out. I've stuck with it and kept building up my mines, and now PayPal payouts have finally launched.

I've currently got 259 TerraAcres and 7,931 TB earned from playing.

My current stats:

• 259 TerraAcres
• 7,931 TB earned
• 387 check-ins
• 202 visitors
• $0.9108 estimated monthly rent before boosting

Portfolio: https://ibb.co/BHSy4MV7

Visitors: https://ibb.co/Y4vzfFQ5

Current earnings: https://ibb.co/4wj7GKxv

The $0.9108 monthly figure is without the rent boost. I use the rewarded ads to keep my rent boosted pretty much around the clock. The boost is 20x and you can stack up to 8 hours, with each boost block adding 30 minutes.

I've also had 202 other players check in to my mines. The mine owner gets 1 TB when someone checks in, so I've picked up 202 TB from other players visiting my properties.

For anyone who hasn't seen TerraMine before, it's basically a location-based game where you claim virtual properties at real-world locations. Each TerraAcre costs 100 TB and becomes one of four random mine types:

• Rock - 60%
• Coal - 30%
• Gold - 9%
• Diamond - 1%

The rarer mines earn more rent, with Diamond earning 4x the base Rock rate.

There's more to it than just buying mines and waiting for rent. Each mine has its own mini-game which gives you TB and materials, and you can use those materials to upgrade your mines. Each mine level adds 1% to that property's rent.

Check-ins are another decent way of earning TB, especially if you happen to have other players around you. With a boost active, a normal check-in gives 6 TB, 10 TB with text or a photo, and 14 TB with both. There are also bonuses for checking in at mines belonging to 3, 5 and 10 different players during the day.

I've actually found the location side of it quite interesting. I've spread my mines around places I visit rather than putting everything in one location, and I've deliberately put some in busy areas because other players can find them and check in.

The biggest change since I started is obviously the payouts.

PayPal cashouts launched on August 31 and I've already received my first payout.

PayPal payout proof: https://ibb.co/9HH8PMLY

Current cashout limits are $5 minimum and $100 maximum, with up to two cashouts per month. Phone and email verification are required and payments are expected within 2-3 days.

I'm in the UK, which is currently in the 8% payout fee tier. The fee rates can change, so the current rates are listed here:

https://terramine.app/exchange-rates.html

You can also convert your USD rent back into TB instead of cashing out. The rate is normally 200 TB per $1, increasing to 300 TB per $1 on the 1st and 15th of each month.

If you want a much more detailed breakdown of how everything works, there's an unofficial beginner guide here which covers the mines, mini-games, upgrades, check-ins, activity requirements, earnings and loads more:

https://terraminebeginnerguide.wordpress.com/

The referral offer has also changed since I first started.

You start with 1,000 TB. If you sign up using my referral, buy your first TerraAcre and then come back on a different day and either check in or play a mini-game, we both get another 1,000 TB.

So you can get another 10 mines worth of TB from the referral bonus once you've completed the requirements.

Referral code: TM-C9TVA

Referral link (1000 TB Bonus): https://terramine.app/join?ref=TM-C9TVA

There's also a Discord and subreddit if you want to follow the game or ask questions:

https://discord.gg/ATNezpsRC

https://www.reddit.com/r/TerraMineOfficial

It's still a new game and things are obviously going to change as it develops, but I've enjoyed it so far. I've been here since before payouts existed, so finally being able to cash out and show an actual PayPal payment is a pretty big milestone for the game.

Non-ref (no bonus) https://terramine.app/

There's a number of free get paid to walk apps. All of them are slow earners however they virtually require little to no effort after installation. If you like passive earning and already walk a lot for your job or recreationally then these apps might be right for you. Typically, you would link the app to something that can measure your steps like your phone's pedometer, Google Fit or Fitwatch. I use all the below apps together and they don't conflict with each other so feel free to use all 3 of them.

WeWard

WeWard keeps track of your number of steps and at the end of the day you convert those steps to Wards. The min you get is 1 coin at 2,500 steps and max at 25 coins at 20,000 steps per day. Wards can be exchanged to money with the lowest non premium cashout being 3,000 Wards for £15. They have offers which you can gain Wards on but look elsewhere, you can find better deals.

Proof of payment

By using my referral link/code, you get a head start with 150 Wards:

https://wewardapp.go.link/16vgU?label=CourageousFerret3426

Ref code: CourageousFerret3426

Non ref

Macadam

Macadam counts your steps and at the end of the day you convert those steps into coins. Macadam has a map feature where if you visit a location and click on it, you can gain coins. You can also play games that let you earn more coins. You get coins for reaching walking milestones with the min at 15 for 2,500 steps and max 160 coins for 40,000 steps. Cashout is at £15 for 30,000 coins if you reach the Gold offers.

Proof of payment

By using my referral link/code, you get a head start with 1,000 coins:

https://macadam.app/i/b87d8r?v=1

Ref code: B87D8R

Non ref

WinWalk

WinWalk is different in that it mainly cashes out in gift cards. You can cash out to PayPal but you need to climb ranks for it which requires being a top coin earner. Gift cards cover a decent variety of places including Amazon, Aldi and Tesco. More desirable retailers are under higher ranks. The walking rate is 100 steps for 1 coin with a max of 100 coins per day. Cashout is at 21,000 coins for £10 gift cards. You can get coins by watching videos and other offers as well. You collect the coins at the end of the day.

I've already maxed out the referral rewards so feel free to use someone else's in the comments or sign up on their website.

Non ref or sign up with someone else's referral.

WorldFirst is a multicurrency bank account, similar to Wise and Revolut. It's meant for businesses, but anyone can sign up as a sole trader. They are currently offering £50 when you sign up via referral link, plus £150 for each person you refer.

To get the bonus, you have to sign up before 31 December 2026 and do ONE of the following before 31 January, 2027:

1. Convert a total of $1000 equivalent (~£800). You can convert £400 to USD and then back to GBP.
2. Spend $1000 equivalent (~£800) on your WorldFirst virtual debit card.
3. Transfer $1000 equivalent (~£800) to a 3rd party in another currency.

Bonuses are paid by the end of the month following the month when you qualify. So if you qualify in September, you will receive the bonus at the end of October.

Option 1 is definitely the easiest. Total FX volume has to be $1000 equivalent. So you can deposit £400, convert it to USD and then right back to GBP. You lose about £2 in the conversion back and forth, but you qualify immediately.

With Option 2 you won't lose the £2, plus you get 0.5% cashback on your spend. Additionally, there is a promo until 20 September where you get a £100 bonus if you spend £2,000 within 3 months. Combined with the referral offer, that is £150 in total.

However, if you won't spend £2,000 and you're already getting cashback elsewhere, Option 2 is likely not worth it.

Note that the debit card is virtual, but you can order a physical card for free, and you can add your card to Google Wallet for in-store purchases. Apple Pay integration is in the works. The card has no foreign transaction fees. Do not use Curve as it will charge you a 1.5% fee for using a business card.

Signing up to WorldFirst is easy and straightforward, similar to Tide. You don't have to own a business, you can sign up as a sole trader who is thinking about starting a business. In this case, just use your name as the name of the business.

WorldFirst may ask for a proof of address - you can use a recent bank statement or utility bill for this. Once your account is verified - usually it takes a day - you will gain access to your bank details (GBP, USD and EUR to start), virtual debit card, and referral code.

If this all sounds good and you'd like to take advantage of the offer, you can sign up using my referral link below - I'd really appreciate it.

Referral link

Non-referral link (no bonus)

Feel free to DM me if you have any questions or to check if you successfully qualified - it shows up on my end, not on yours.

RunnyHoney is a website and app that lets you win HoneyCoins by taking pictures of your receipt. HoneyCoins can be exchanged for gift cards. If you don't win HoneyCoins, you gain a raffle ticket for a chance to win 10,000 HoneyCoins.

Every time you scan a receipt, you play a short minigame and earn HoneyDrops. Each minigame last less than 20 seconds and is just a way to show how much HoneyCoins you win. HoneyDrops can be exchanged to play more minigames. By using my referral link, you'll get to play a game for free and win a prize without needing to scan a receipt.

I scan receipts and typically get 50 HoneyCoins when I win. Cashout is at 1,000 HoneyCoins which is worth £1 and can be exchanged for gift cards including Amazon.

You can scan 1 receipt a day that are dated within 3 days. You can scan more receipts depending on your level with the maximum being 5 receipts. You reach higher levels the more receipts you scan in a week.

You scan a receipt by logging onto the website and scanning a receipt from there or download their app. If you want to download the app, you'll need to download it from the website. It's much easier to scan a receipt from your phone so if you prefer not to use an app, you can log in to the website on your phone and scan from there.

Proof of rewards

To get your free prize:

• Sign up with my referral link

• Verify your account

• Scan a receipt and play the short mini game

• Win prizes

Thank you for using my referral link!!

Non ref

Just tried my first double dip, with First Direct, and not eligible. Has anyone had any recent success with getting a bank bonus for a second time? Seems they've tightened it up lately.

I was wondering if anyone who has the Octopus Energy offer but doesn’t use Forest Bikes would be willing to share their unused code with me, as I use Forest Bikes to commute for work. The code can be found in the Octopus Energy app. I’d really appreciate it if anyone has one they’re not planning to use.
Thank you! :)

YouGov is a global online research company.

Get £8 per month sharing data history:

You can then earn up to £8 a month by sharing other data history information to sites like Youtube, Amazon, Disney+, Netflix & loads more

When you first create your account you wont have access to the sharing data part, you need to complete some surveys first.

The surveys are emailed to you each time a new one is available so you don’t have to keep checking the website & they are usually pretty quick, easy & don’t screen you out which is great.

You can cashout from YouGov when you reach £50. You can get this direct to your bank or there's loads of different gift cards to choose from.

Sign up to YouGov here & start earning extra money!

nonref

When you sign up to Curve via a referral link you can get 1% cashback on all your spending for 30 days. They also offer between 1 and 20% cashback on selected retailers, with offers changing on a regular basis.

The Curve app is used to connect multiple debit or credit cards to your Curve card and any spend is passed on to your selected card. This means if your underlying card offers cashback too you can effectively earn cashback twice. I am currently doing this with Trading212 for a combined 2.5%!

Curve has different subscription plans available. On the free plan there is a one off £5.99 fee for the card, so you would need to spend more than £600 in your first 30 days to cover this (or less if you also take advantage of some of the other cashback offers). However if you then go on to refer other people you will extend the cashback period by 30 days each time.

The maximum cashback you can earn via the refer a friend offer each month is £15.

When you sign up Curve will do a soft credit check to prove your identity but no hard credit search is carried out.

My referral link is:

https://www.curve.com/join#ZEYHY

To activate the cashback you need to make five purchases of £2 or more (excluding things like gambling, gift cards and money transfers).

The non-referral link is:

https://www.curve.com/

If you use my link I will also get 1% cashback for 30 days so thanks very much if you do!

Vinted is a second-hand marketplace, mostly for clothes, but also for books, homeware, and toys. Think of it as a less-corporate eBay where people just want to clear their wardrobes. 

They have reintroduced their referral scheme, where you get £5 in Vinted vouchers if you list 3 items within 7 days and an additional £10 in Vinted vouchers if 1 item sells within 30 days.

Steps:

1. Sign up using my referral link - https://www.vinted.co.uk/invite/jaime.94
2. List 3 items in 7 days - get £5 in Vinted vouchers
3. If one item sells within 30 days, get an additional £10 in Vinted vouchers

Non-referral: www.vinted.com

Raisin is a savings marketplace that gives access to fixed-rate savings accounts from a range of UK and European banks through one platform.

They're currently offering £100 free cash to new customers who open and fund a qualifying 1-year (or longer) Fixed Rate Bond with £10,000+.

For anyone already planning to lock away savings for a year, the bonus effectively adds an extra 1% return on a £10,000 deposit, on top of the interest from the savings account itself.

How to get the £100 bonus

1. Sign up using my referral link.

2. Open a qualifying Fixed Rate Bond with a term of at least 1 year.

3. Deposit £10,000 or more into the bond.

4. Raisin will pay the £100 bonus within 28 days of the account being opened and funded.

Important

• The £10,000 must be deposited into one qualifying Fixed Rate Bond (it can't be split across multiple accounts).
• The qualifying account must be your first successfully opened savings account through Raisin.
• Fixed-rate bonds normally lock your money away until maturity, so only use funds you won't need during the term.
• You'll also earn the advertised interest rate from the savings account alongside the £100 bonus.

I use Raisin myself because it makes it easy to compare savings rates from multiple banks in one place.

At the time of posting, Raisin's top rates are around 4.05% AER (Easy Access), 4.25% AER (Notice) and 4.72% AER (1-Year Fixed), although rates can change regularly.

Thanks to anyone who chooses to use my link.

^non-ref

Santander have an offer that you mustn’t have got a switching offer before or held an account in January 2026

I did have a Santander account until February 2026 when I closed it (I didn’t switch, just closed it down) but it was in a previous name and registered to a different address. Over 12years since my name changed and I lived at that address.

Would they still know it’s me?

PaidViewpoint non-ref is a simple survey site that pays you for answering short questions, usually around 5-6 minutes each. It’s not a huge earner but it’s one of the easier and more consistent ones I’ve used.

Most of the early surveys are quick “trait” questions that help build your profile, and as your account builds up you start getting better paying surveys. The key thing is just being honest and consistent with your answers.

You won’t always get surveys every day as it depends on your demographics, but if you keep notifications on and check in now and then you’ll pick up what’s available. They do send email alerts too but they can fill up quickly.

Cashout is via PayPal, Tesco or Amazon gift cards. First withdrawal is $15, then it can drop to $10 and eventually $5 if your account stays in good standing. Payments are usually processed within a couple of days.

Worth knowing: don’t use a VPN or log in while travelling as it can affect your account
only one account per person is allowed

If you want to try it, here’s my link: https://app.paidviewpoint.com/?r=misscc

I switched to nationwide without 2 active direct debits. I since put two new direct debits but they’re refusing to give me the switch reward. How cooked am I?

Anyone tried if so would you use different details?

I was just manually submitting yet another Sainsbury's receipt to Complete Savings & it occurred to me that I don't think I've had an online Sainsbury's grocery order successfully track in a good 2.5 - 3 years. And it's been across three platforms as well - I used Topcashback up until switching to Complete Savings about a year ago (tried National Savings for a month as well when I switched to CS, same issue).

Failure to track happens once in a blue moon for every retailer I use, but for whatever reason it *never* automatically tracks with Sainsbury's. The click-through always shows on my Complete Savings account "Last Clicked" page, but it just never tracks the purchase. I've got cookies enabled, have tried clearing my cache on several occasions & tried ordering via both mobile and PC, but nothing seems to make a difference, and I always have to manually submit my claim.

At this point it almost feels like this might be deliberate on Sainsbury's part, to get customers to not bother with / forget about their cashback claims & minimise payouts. Just curious if I'm the only one out there who is experiencing this.

Hi. I realise this might not be for everyone but currently there is a £125 cashback offer on tcb for opening an interactive investor S&S ISA with a £10k deposit. The terms state no holding period so in theory you can make a new isa with a 10k deposit and be due/paid the £125 cashback without needing to keep the money in there.

Has anyone had success with this offer and were they able to withdraw the £10k pretty much instantly?

Rubify non-ref is a GPT (get-paid-to) rewards site available in the UK. I was invited during the beta phase, where users tested the platform, completed offers and gave feedback before launch.

I've continued using it since then and have completed a number of offers. I've made multiple withdrawals so far, all of which were processed quickly, and tracking has been working well from my experience.

Cashout starts from $2, with PayPal, crypto and gift cards including Amazon, Tesco and Just Eat available. The rate is 100 rubies to $1.

There are quite a few offers available, including games, surveys and some higher-paying options. One that really caught my attention is a Betfred offer currently paying 5,100 Rubies ($51) for registering, verifying your account, depositing and wagering £10. That's the highest Betfred offer I've personally seen on a GPT site.

They've also introduced a referral system. You earn 10% of what your referrals make, while new users currently get 75 rubies ($0.75 / around £0.60) when they sign up through a referral link.

A couple of things worth knowing: it's UK only, 18+, you can only have one account, and VPNs, emulators and multi-accounting aren't allowed. KYC is required before your first withdrawal.

Proof of payment: https://ibb.co/93WpHJvt

Sign up using my referral link for the 75 ruby bonus: https://rubify.io/auth/sign-up?ref=NYQILFR

Still relatively early, but I've had a good experience with the site so far and the range of offers has improved since the beta.

I have a burner account just need 2 direct debits to go from that account, Netflix doesn’t count and don’t want to switch any from my man account, does Amazon count? Or another way round it.

Zen's refer-a-friend scheme gives new broadband customers a £40 eGift card - you pick the retailer from 100+ options (Amazon, M&S, Costa, Just Eat etc.).

Full disclosure: I get a £40 card too.

The one thing people get wrong: it's a link, not a code. You have to register your email through the referral link before you order - Zen confirms it can't be added afterwards.

Open the referral link, enter your email (that's the whole registration)

Order any broadband package at zen.co.uk (new customers, 12-month+ contract)
£40 card arrives by email ~5 working days after your service goes live (90 days to redeem)

Worth knowing about Zen: Which? Recommended Provider six years running, and prices are fixed for your whole contract — no mid-contract rises. They're not the cheapest, but they're the best-reviewed.

Referral link: https://zen.mention-me.com/m/ol/fw5zpazz-3911b64f7e

Offer terms: https://zen.mention-me.com/me/terms/169333/brlaqrkq

Hi. Does anyone have a spare 2 for £10 three code valid today which they wouldn’t use? Thanks.

Zilch is a popular payments app and card with over 5 million customers that lets you earn cashback at hundreds of companies.

It is currently offering an instant £5 bonus for new customers who successfully sign up through a friend. It recently simplified its referral scheme, so now, qualifying for the referral bonus is instant - you just need to upload and verify your ID! Note: a credit check will be performed.

My steps to receive your free £5 bonus on Zilch (no spend needed)

1. Sign up using my £5 Zilch referral link here
2. Upload your ID - a passport or driving licence is needed. I got an email immediately afterwards to say I had been verified, so it should be an instant decision
3. Link a bank card and add your Zilch virtual card to your digital wallet i.e. Apple Pay/Google Pay if you wish to use it in future
4. The bonus will be applied automatically. You can then spend this online or in-store - just select the retailer before you shop and toggle the slider to apply the reward to your purchase

My experience: The app can be a bit slow, so I recommend loading it while you're in the queue to avoid awkward delays in front of your cashier (speaking from experience 😊). Once loaded, pick your retailer in the app, choose to pay with your Reward bonus and use your Apple/Google Wallet to tap to pay. The amount will be deducted from your Rewards balance. And you don't have to spend it all in one go, any remaining balance can be used on your next purchases!

LINKS

• Refer a friend link here (£5 bonus)
• Non-referral: https://www.zilch.com/uk/

Can't see Toolstation on either CS or NX anymore, is it missing for others? Will be a miss as they were definitely one of the better retailers on there.

Not sure how this will affect those who signed up to CS via Toolstation?

Custard non-ref gives you £1 just for signing up. You can earn more from surveys, playing games and hitting levels or milestones, trying apps, free trials, or using cashback offers. Some Rapid Pay offers also pay out faster than standard offers.

An easy way to reach the £10 cashout is through the Amazon.co.uk free trial offers. History Play, Hayu, MGM, Apple TV+, Crime & Investigation Play and Shudder each pay £2, apart from MGM which pays £1. Just sign up for the free trials and watch at least one show (leaving an episode running for a short time is enough). Set a reminder for the day before each trial renews and cancel them.

There’s also a daily spin where 1 person wins £10 each day, although you have to claim it on the day. You can also buy digital gift cards through Custard and earn cashback on them.

Cashout is £10 minimum, paid by bank transfer or PayPal. Payments run three times a week. You also get £8 for each referral who signs up and goes on to cash out £10.

Most offers are for new customers, some can take a few weeks to approve, and using an adblocker or VPN can interfere with tracking.

I’ve been using it alongside Cashback.co.uk and it’s been another way to pick up a bit extra.

Get your £1 bonus here: https://joincustard.co.uk/ur/GRFG4W7vRhm-wi3vVN6pYg==

Chip is a very popular savings and investment app with full FSCS protection for your savings.

They're currently offering a free £50 bonus for those who open up an account and maintain a deposit of £1,000 or more for 90 consecutive days. New customers only. Runs until 10 September 2026.

My steps below:

1. Sign up to Chip using my referral link and code - send me a private message here as Chip don't like public referral links/codes - they could invalidate your bonus and you don't want to wait 90 days to find out
2. Connect a bank account to make deposits and withdrawals from
3. Deposit £1,000+ within 120 days of account opening into an eligible account: Smart Cash ISA, Easy Access, Chip Instant Access, Prize Savings, Cash ISA
4. Chip will pay the £50 bonus the day after you've met the 90-day holding period

Chip tracks referrals so I can let you know if you completed all the steps as well.

That's it, enjoy your bonus when it lands!

LINKS

• Referral link for £50 bonus: Send me a private message here
• Non-referral: https://www.getchip.uk/
• Terms: https://www.getchip.uk/promo-terms/referral-terms