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Financial help

Legit ways to pick up extra money in the UK.

Bank switch bonuses, paid research studies, cashback apps and non-repayable hardship grants. All free to join — no fees, no upfront payments, ever.

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Always read the terms — switch bonuses and offers have eligibility rules, and investing apps can lose you money. Never pay anyone to access "free money".

Bank switch bonusUp to £175 per switch

MoneySavingExpert — Best Bank Accounts

Always-updated list of UK banks paying cash to switch your current account. Check eligibility before applying.

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Bank switch bonusSwitch offers + referrals

Monzo

App-only UK bank with free accounts, easy ID checks and periodic switch bonuses.

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Bank switch bonusFree account, occasional offers

Starling Bank

Free UK current account you can open from your phone — useful if you're new to UK banking.

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Bank switch bonusCash for switching

First Direct

Regularly runs one of the biggest current-account switch bonuses in the UK.

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Bank switch bonusSwitch bonus + Fairer Share

Nationwide

Building society with switching offers and annual member payouts.

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Paid surveys£6-£9/hr average

Prolific

Academic research studies that pay properly per minute — one of the highest-paying UK survey sites.

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Paid surveysPoints to cash (£50 min)

YouGov

Opinion polls on politics, brands and daily life — points convert to cash or vouchers.

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Paid surveysPoints for cash/gift cards

Swagbucks UK

Surveys, offers, videos and shopping cashback all in one rewards site.

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Paid surveys£0.50-£3 per survey

Branded Surveys

Daily surveys with PayPal payouts from £5.

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Paid surveysPoints to PayPal

LifePoints

Consumer research panel with product tests and regular survey invites.

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Paid surveysSmall cash per survey

Attapoll

Phone app with short paid surveys — cash out to PayPal from £2.50.

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Cashback & rewardsCashback on shopping

TopCashback

Get money back on shopping, insurance, broadband and mobile deals you were buying anyway.

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Cashback & rewardsCashback + sign-up bonus

Quidco

Cashback site with a welcome bonus after your first qualifying purchase.

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Cashback & rewardsMoney off your phone bill

Airtime Rewards

Link your bank card and earn credit off your mobile bill when you shop at high-street brands.

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Cashback & rewardsVouchers for receipts

Shoppix

Snap photos of your shopping receipts and earn tokens for gift cards or PayPal.

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Cashback & rewardsSupermarket cashback

GreenJinn

Cashback on branded supermarket items — scan your receipt and get paid back.

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Refer & earnVaries by offer

MSE Refer-a-Friend Roundup

Regularly updated list of legitimate UK refer-a-friend deals worth cash on both sides.

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Refer & earnFree transfer + referral cash

Wise

Low-cost international money transfers with a referral scheme — useful for sending money home.

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Refer & earnFree share on sign-up

Trading 212

Get a free share when you open and fund an account. Capital at risk — investing is not guaranteed money.

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Grants & hardship fundsNon-repayable grants

Turn2us Grants Search

Free search tool matching you to charitable grants you may be eligible for — no repayment needed.

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Grants & hardship fundsCouncil cash & vouchers

Household Support Fund (GOV.UK)

Council-run help with food, energy and essentials — apply through your local authority.

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Grants & hardship fundsUnclaimed benefits

Entitledto Benefits Calculator

Free calculator showing benefits and support you may be missing out on.

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Grants & hardship fundsFree advice & grants

Citizens Advice — Help with Money

Free, confidential guidance on debt, benefits and emergency financial help.

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Paid surveys£1 free on sign-up

InboxPounds

Get paid for surveys, reading emails, searching the web and watching videos.

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Paid surveysPoints to PayPal/vouchers

Opinion Outpost

Short consumer surveys with cash-out from £5.

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Paid surveys£1-£5 per survey

Valued Opinions

Survey panel paying in high-street vouchers for Amazon, M&S and more.

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Paid surveys£1-£3 per survey

Populus Live

Invitation-based political and consumer research with reliable payouts.

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Paid surveysPoints to cash/vouchers

Toluna Influencers

Surveys plus free product testing where you keep the items.

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Paid surveysNo minimum cash-out

Qmee

Surveys and a search rewards add-on — withdraw any amount to PayPal instantly.

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Cashback & rewardsInstant cashback on gift cards

Jam Doughnut

Buy digital gift cards for supermarkets and get instant cashback at the till.

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Cashback & rewardsCashback on everyday spend

Cheddar

Card-linked cashback app with high-street and takeaway offers.

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Cashback & rewardsRewards for walking

Sweatcoin

Converts your steps into points you can spend on offers and giveaways.

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Cashback & rewardsEmployee discounts

Perks at Work

If your employer is signed up, get discounted shopping, travel and childcare.

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Bank switch bonus1% cashback on debit spend

Chase UK

Free UK account paying cashback on everyday spending for the first year.

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Bank switch bonusSwitch offers + bill cashback

Santander

Current accounts that pay cashback on household bills and run switch promotions.

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Bank switch bonusCash for switching

Halifax

Regular switching offers plus a monthly reward account option.

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Bank switch bonusSwitch bonus

Lloyds Bank

Frequent switch incentives on Club Lloyds and standard accounts.

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Bank switch bonusSwitch bonus + monthly cashback

TSB

Spend & Save accounts with cashback on card payments plus switch offers.

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Bank switch bonusCash for switching

NatWest

Runs some of the most frequent current-account switch bonuses.

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Bank switch bonusCash for switching

Royal Bank of Scotland

Scottish arm of NatWest with matching switch offers.

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Bank switch bonusWelcome bonus on savings

Raisin UK

Savings marketplace paying a welcome bonus when you fund your first account.

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Refer & earnReferral bonuses

Chip

Automatic saving app with interest-paying accounts and refer-a-friend rewards.

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Refer & earnReferral bonus

Moneybox

Round-up saving and Lifetime ISA app — the LISA adds a 25% government bonus.

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Refer & earnReferral cash

Revolut

Multi-currency account with cheap transfers and refer-a-friend payouts.

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Grants & hardship fundsFree government-backed advice

MoneyHelper

Official free service for budgeting, debt, benefits and pensions guidance.

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Grants & hardship fundsFree debt help

StepChange

UK's largest debt charity — free debt plans and no-cost advice.

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Grants & hardship fundsFree debt advice

National Debtline

Free confidential phone and webchat debt advice for England, Wales and Scotland.

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Grants & hardship fundsUp to 100% off council tax

Council Tax Reduction (GOV.UK)

Apply through your council for a reduction if you're on a low income or benefits.

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Grants & hardship fundsFree meals for children

Free School Meals (GOV.UK)

Apply for free school meals if you receive qualifying benefits.

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Grants & hardship fundsPrepaid card for food & milk

Healthy Start

NHS scheme giving pregnant women and young families money for fruit, veg, milk and vitamins.

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Grants & hardship funds£150 off energy bill

Warm Home Discount

One-off energy bill discount for eligible low-income households each winter.

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Grants & hardship fundsInterest-free budgeting loans

Budgeting Help & Loans (GOV.UK)

Interest-free help with essential costs if you're on certain benefits.

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Grants & hardship fundsEmergency food parcels

Trussell Trust Food Banks

Find your nearest food bank and get a referral for emergency support.

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Grants & hardship fundsEnergy grants & protections

Ofgem Energy Help

Official guidance on energy grants, payment plans and supplier obligations.

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