Best Referral Codes for New UK Residents 2026
Just arrived in the UK? Use 51 referral codes to earn bonuses while setting up your bank account, utilities, broadband, and other essentials.
Last updated: 21 February 2026
Setting Up in the UK? Earn Bonuses Along the Way
Moving to the UK means setting up a long list of essential services: a bank account, a mobile phone plan, broadband, energy, insurance, and more. Each of these services has a cost — but many also have referral programmes that pay you a bonus for signing up as a new customer. By using referral codes for each service, you can earn hundreds of pounds during your first few weeks.
As a new UK resident, you are an ideal candidate for sign-up bonuses because you genuinely are a first-time customer at every British service provider. This means you qualify for the full range of welcome offers and referral bonuses that existing residents may have already claimed.
This page collects the referral codes most relevant to people who have recently moved to the UK. We have organised them by the typical order in which new residents set up services, so you can work through the list systematically and earn bonuses at every step.
- Banking first — Open a UK bank account with a referral bonus — essential for receiving salary and paying bills.
- Utilities and broadband — Set up energy, broadband, and mobile contracts with referral credits that reduce your first bills.
- Insurance savings — Get home, contents, and motor insurance with referral discounts from day one.
- Grocery and delivery — Sign up to grocery delivery and food apps with new customer bonuses and free first orders.
- Everything is new — As a new resident, you qualify for first-time customer bonuses at every UK provider.
All 51 Referral Codes for New UK Residents
Essential service referral codes for people who have recently moved to the UK. Click any listing for full details.
| Offer | Category | You Earn | Friend Earns | |
|---|---|---|---|---|
 | Finance | £5 - £200 | £5 - £200 | Get Code |
 | Finance | £100 | £100 | Get Code |
 | Finance | £20 - £100 | £20 - £100 | Get Code |
 | Finance | £10 - £100 | £10 - £100 | Get Code |
 | Finance | £100 | £100 | Get Code |
 | Finance | £10 - £100 | £10 - £100 | Get Code |
 | Business | £80 | £80 | Get Code |
 | Utilities | £50 - £75 | £50 - £75 | Get Code |
 | Utilities | £25 - £75 | £25 - £75 | Get Code |
 | Utilities | £60 | £60 | Get Code |
 | Finance | £50 | £50 | Get Code |
 | Utilities | £50 | £50 | Get Code |
 | Utilities | £50 | £50 | Get Code |
 | Finance | £50 | £100 | Get Code |
 | Utilities | £50 | £50 | Get Code |
 | Food & Drink | £50 | £20 | Get Code |
 | Utilities | £50 | £50 | Get Code |
 | Finance | £50 | £50 | Get Code |
 | Finance | £50 | £50 | Get Code |
 | Shopping | £10 - £40 | £10 - £40 | Get Code |
 | Utilities | £20 - £40 | £20 - £40 | Get Code |
 | Finance | £30 | £30 | Get Code |
 | Finance | £25 | £25 | Get Code |
 | Shopping | £25 | £25 | Get Code |
 | Shopping | £20 | £25 | Get Code |
 | Finance | £10 | £20 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Finance | £10 | £30 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Business | £10 | £10 | Get Code |
 | Shopping | £10 | £25 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Finance | £10 | £100 | Get Code |
 | Shopping | £10 | £20 - £30 | Get Code |
 | Finance | £10 | £10 | Get Code |
 | Finance | £5 | £5 | Get Code |
 | Finance | £5 | £5 | Get Code |
 | Finance | £5 | £5 | Get Code |
 | Finance | £5 | £5 | Get Code |
 | Finance | £5 | £5 | Get Code |
 | Shopping | £3 | £3 | Get Code |
 | Shopping | £3 | £5 | Get Code |
 | Shopping | Varies | £5 | Get Code |
 | Finance | £20 - £200 | £20 - £200 | Get Code |
 | Finance | £10 - £50 | £10 - £50 | Get Code |
 | Finance | £7 - £130 | £7 - £130 | Get Code |
 | Utilities | £15 - £99.99 | £15 - £100 | Get Code |
 | Utilities | £10 - £40 | £10 - £40 | Get Code |
 | — | £8 - £100 | £8 - £100 | Get Code |
Best Finance Refer a Friend Offers UK
UK banks, investment platforms, and fintech apps offer some of the most generous refer a friend bonuses available. Sign-up rewards from finance referral offers in the UK often range from £5 to £100 or more, making them the highest-paying refer a friend deals in the country. Popular finance referral programmes include banking apps, trading platforms, and digital wallets.
Best Business Refer a Friend Offers UK
B2B software, accounting tools, and business services run refer a friend programmes in the UK offering incentives like free months, account credits, and cash bonuses. These UK referral offers are ideal for entrepreneurs and small business owners who regularly recommend tools to their network.
Best Utilities Refer a Friend Offers UK
UK energy suppliers and broadband providers offer some of the most practical refer a friend deals. These UK referral offers reward you with account credits and bill reductions when friends sign up using your referral code. With rising energy costs, utility referral codes are a great way to save.
Best Food & Drink Refer a Friend Offers UK
Meal delivery kits, grocery services, and restaurant apps have popular refer a friend schemes in the UK. These referral offers provide free meals, delivery credits, and subscription discounts. Food and drink referral codes are easy to share because everyone eats.
Best Shopping Refer a Friend Offers UK
Online retailers and cashback platforms have some of the best refer a friend offers in the UK for everyday shoppers. These UK referral codes give you store credit, discounts, and exclusive deals. Many shopping referral programmes offer recurring rewards for each friend you refer.
Explore More UK Referral Offers
Find referral codes for every type of UK service and product.
Browse All UK Referral CodesReferral Codes for New UK Residents — FAQ
Can I open a UK bank account as a new resident?
Yes. Several UK banks, particularly digital banks like Monzo, Starling, and Revolut, allow new residents to open accounts with just a passport and proof of UK address. Many offer referral bonuses to new customers.
Do I need a UK credit history to claim referral bonuses?
No. Referral bonuses are based on signing up and meeting qualifying conditions, not on your credit history. New residents with no UK credit file can claim referral bonuses from most services.
What services should I set up first when moving to the UK?
Start with a bank account, then mobile phone, broadband, and energy. Each of these has active referral programmes. After essentials, consider food delivery, shopping cashback, and insurance referral offers.
How much can a new UK resident earn from referral codes?
Because you are a new customer at every UK service provider, you can claim the full range of welcome bonuses. New residents who systematically use referral codes for all their essential services typically earn three hundred to five hundred pounds in their first month.