Last Updated: June 30, 2026
In a rush? Raisin pays a guaranteed £100 cash referral bonus. Trading 212 gives a free share worth up to £100. Plum gives £5 to £15 in shares or cash. Moneybox gives £5 to £10 for opening an account. Raisin pays the highest guaranteed bonus. Trading 212 has the highest potential upside.
Investment referral bonuses sit in a sweet spot. They pay more than cashback signups and they require less effort than bank switching offers. You open an account, deposit some money, and get free shares or cash credited within a few weeks. The best ones are worth £50 to £100 for about fifteen minutes of work.
This guide covers the four UK platforms where the referral bonus is worth claiming. Each one has a working referral link on this page. No filler. No platforms where the bonus has expired or the terms are unrealistic. Just the ones worth your time.
Quick verdict
Raisin offers the highest guaranteed cash referral bonus at £100. Trading 212 gives a free share worth up to £100 but the value is random. Plum and Moneybox are smaller bonuses (£5 to £15) that are easier to qualify for. The smartest approach: claim Raisin first for the guaranteed £100, then Trading 212 for a shot at a valuable free share, then Plum or Moneybox if you want automated saving and investing.
Raisin, £100 referral bonus for savers
Raisin is a savings marketplace. It lets you open savings accounts with multiple partner banks through one login. The referral bonus is the highest guaranteed cash amount on this page at £100, and the current promotion runs for a limited time.
How to qualify: Use the Raisin route here, open an account, and deposit the qualifying amount into a savings product through the marketplace.
What you get: £100 cash bonus after meeting the deposit and holding requirements.
Catch: The bonus is tied to opening a savings account, not an investment account. You need to deposit money and keep it there for the qualifying period. Raisin is best for savers who want better rates without opening accounts at multiple banks. Read the full Raisin review.
Trading 212, free share worth up to £100
Trading 212 is the largest investment platform on this list. It offers commission-free trading on stocks, ETFs, and ISAs. The referral bonus gives both you and the person referring you a free fractional share in a randomly selected company. The share is worth up to £100.
How to qualify: Use the Trading 212 route here, open an account, and deposit at least the minimum required amount. The free share gets credited to your account after the deposit clears.
What you get: A fractional share in a company like Apple, Tesla, Amazon, or Nvidia. The value is random but the upper limit is £100. You can sell the share and withdraw the cash, or keep it and let it grow.
Catch: The share is randomly assigned. You could get £10 instead of £100. That said, it is a genuine free share with no purchase requirement beyond opening the account and depositing. Read the full Trading 212 review.
Best order to claim: Start with Raisin for the guaranteed £100. Then Trading 212 for a free share worth up to £100. Then Plum or Moneybox if you want automated saving and spare-change investing. None of them conflict with each other. You can hold all four accounts and claim all four bonuses.
Plum, £5 to £15 in shares or cash
Plum is an automated saving and investing app. It connects to your bank account, analyses your spending, and automatically sets aside money you will not miss. The referral bonus is flexible and typically pays out as either cash or shares.
How to qualify: Use the Plum route here, sign up, link your bank account, and maintain a deposit for around 30 days.
What you get: £5 to £15 in shares or cash. Plum varies the reward and occasionally runs boosted promotions.
Catch: The 30-day deposit requirement means the bonus is not instant. The reward is smaller than Raisin or Trading 212 but the barrier to qualify is lower. Read the full Plum review.
Moneybox, £5 to £10 for opening an account
Moneybox is a saving and investing app that rounds up your spare change and invests it. The referral bonus is the smallest on this list but the easiest to qualify for. Open an account, make a deposit, and the bonus lands in your investment account.
How to qualify: Use the Moneybox route here, open an account, and make your first deposit.
What you get: £5 to £10 credited to your investment account. The exact amount depends on the current promotion.
Best for: People who want a hands-off investing experience. Moneybox suits beginners who would rather have spare change rounded up and invested automatically than manually pick stocks. Read the full Moneybox review.
Quick comparison
| Platform | Type | Bonus | Qualification | Total possible |
|---|---|---|---|---|
| Raisin | Savings marketplace | £100 cash | Open account, deposit into savings | £100 |
| Trading 212 | Commission-free trading | Free share | Open account, deposit | Up to £100 |
| Plum | Automated saving and investing | £5-£15 cash or shares | Sign up, link bank, keep deposit ~30 days | £5-£15 |
| Moneybox | Spare-change investing | £5-£10 cash | Open account, deposit | £5-£10 |
Which one should you claim first?
Start with Raisin for the guaranteed £100 cash bonus. It is the highest certain return on this page. Then claim Trading 212 for a shot at a free share worth up to £100. Plum and Moneybox are the easiest to qualify for with minimal deposits and suit people who want automated saving and investing rather than active trading.
None of these platforms conflict. You can open all four and claim every bonus. The total possible value across all four is around £200 to £225 if you qualify for each one.
My take
I claimed the Trading 212 free share through a referral link and got a share worth £20. Plum gave me £10 in cash after the 30-day deposit period. Moneybox credited £10 to my investment account. Raisin paid the £100 referral bonus after I opened a savings account and met the deposit requirement. That is £140 total across four platforms for about an hour of signups. Every account is still open and doing what it is supposed to do. The referral bonuses were the nudge to open them. The accounts themselves earned their place on my phone.
Steven | Trading 212 + Plum + Moneybox + Raisin user
Frequently asked questions
Which investment referral bonus pays the most?
Raisin offers a guaranteed £100 cash bonus. Trading 212 offers a free share worth up to £100 but the value is random. Raisin is the better pick if you want certainty. Trading 212 has the higher potential upside.
Can I claim more than one referral bonus?
Yes. Each platform is separate. You can open a Trading 212 account, a Moneybox account, a Plum account, and a Raisin account and claim all four bonuses. There is no rule against holding multiple investment accounts.
Do I need to invest money to get the bonus?
Yes, each platform requires a deposit to qualify. The amounts are typically small. Raisin requires a deposit into a savings account. Trading 212 requires a minimum deposit. Check the current terms on each platform before opening the account.
Are these referral bonuses taxable?
Cash bonuses from investment referrals are not taxed as income in the UK. If you receive free shares and later sell them at a profit, capital gains tax may apply if your total gains exceed the annual allowance. For most people claiming a single free share, this is not a concern.
How long does it take to get the bonus?
Raisin's bonus follows the terms of the current promotion. Trading 212 credits the free share within a few days of your deposit clearing. Moneybox and Plum can take a few weeks. The delay is typically due to the deposit clearing and the platform confirming you met the qualification criteria.
I’m Steven, founder of MoneyAppReviews. I test money apps, referral programs, and EV tools in real life before I write about them. I drive a 2021 Tesla Model 3 Long Range, use Octopus Intelligent Go for home charging, and regularly track costs, savings, and app performance over time. I focus on practical, evidence-based reviews that help people decide what is actually worth using, not just what pays the highest commission.