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Bank switches, free shares and cashback — all in one place. No experience needed. Follow the guides and get paid.

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🇬🇧 We track every UK bank switch, free share and cashback deal. Follow the simple guides — no experience needed.

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📖 The Playbook

Everything you need to know, explained simply. No experience needed.

All Guides

🏦 Bank Switch

💳 Cashback

📈 Investing

🛒 Supermarket

⚡ Energy

🔄 Direct Debits

⚡ 90-Day Plan

⚠️ Mistakes

🏦

Bank Switch Bible

Up to £500 · Beginner friendly · 15 min to set up

Banks will pay you £150–£500 just to move your current account to them. This sounds too good to be true, but it's completely legitimate — banks compete for customers and use cash bonuses to win them. You are not doing anything unusual. Thousands of people do this every month.

What is a bank switch?

A bank switch means moving your current account from one bank to another. The UK government runs a free service called CASS (Current Account Switch Service) that does all the hard work for you — it automatically moves your direct debits, standing orders, and salary to the new account. Your old account closes automatically. The whole thing takes 7 working days.

Before you start — check these

✓You must be a new customer. Most banks require you have not held an account with them in the last 12 months. Check the individual offer terms before applying.

✓Do not switch your only bank account. First open a free secondary account (Chase or Monzo take 5 minutes) to use as the account you switch FROM. That way your main finances are never disrupted.

✓Check your credit file. Switching banks involves a soft credit check, which does not affect your credit score. However, opening multiple accounts in a short period can show up — space your switches at least 3–4 weeks apart if you are planning to apply for a mortgage soon.

Step by step

1Pick your switch. Go to the Offers tab and choose a bank switch offer. First Direct (£175+£45) and Barclays (£200) are the best right now. Open the guide inside the offer for the specific link and requirements.

2Apply for the new account. Click the referral link in the offer. Fill in your details — name, address, date of birth. Have your passport or driving licence ready. Most applications take 5–10 minutes and give an instant decision.

3Start the CASS switch. During the application (or once your account is open), choose the option to switch from another bank. Enter the sort code and account number of the account you want to switch FROM. CASS does the rest — it contacts your old bank and moves everything over in 7 working days.

4Set up Direct Debits if needed. Most bank switches require 2 active Direct Debits. If you do not have 2, use the Direct Debit service in the Community tab to set them up cheaply. An active DD just means one that has taken at least one payment.

5Pay in the required amount. Most offers require you to pay in £1,000–£2,000 within 30 days. You do not need to leave it there permanently — pay it in, wait 24–48 hours for it to register, then transfer it back to your main account if you need it. Always wait at least 24 hours before moving it to avoid fraud flags.

6Wait for the bonus. Bonuses are paid between 10 and 45 working days after you meet all the requirements. Add the offer to Pending Payouts in the Progress tab so you do not forget. The money arrives directly in your new account.

7Stack another switch. Once your first switch is done and the bonus is paid, do another one. Try Barclays first, then First Direct 4–6 weeks later, then NatWest. Each one pays separately. Total from 3 switches: £575+.

⚠️ Watch out for: Not reading the exact requirements before applying. Each bank has slightly different rules — some need specific types of Direct Debits, some need debit card payments, some have a deadline to pay in funds. Check the individual offer guide for your specific bank.

💡 Pro tip: Keep a cheap Chase account permanently as your "switching account". Every time you do a new switch, switch FROM Chase (not your real main account). Chase lets you open multiple accounts so you can always top it back up.

💳

Cashback — The Complete Guide

Save £200–£500/year · 3 methods · Set and forget

Cashback means getting a percentage of your money back when you spend. You are already spending — cashback just means you get some of it back. There are three main ways to earn it, and the best approach is to use all three together.

Method 1 — Cashback debit cards (easiest)

These are bank accounts with cashback built in. You spend normally, cashback appears automatically. No apps to remember, no links to click.

→Chase UK gives 1% cashback on everyday spending including groceries, petrol, and transport. Free account, no fees. This should be your everyday spending card.

→The 1% compounds: on £1,500/month of spending, that is £180/year back automatically with zero effort.

Method 2 — Gift card apps (highest rates)

Instead of buying your groceries with a debit card, you first buy a gift card for that supermarket through an app. The app gives you cashback instantly — usually 3–8%. Then you use the gift card to pay for your shop as normal.

1Download JamDoughnut (use code 8TGF for a signup bonus). Before every supermarket shop, check what cashback rate they have on Tesco, Asda, Sainsbury's etc.

2Buy the gift card in the app. Pay with your Chase card for an extra 1% on top. The gift card loads to your phone instantly — no physical card needed.

3Use the gift card to pay for your shop. The cashback is already in your JamDoughnut account — withdraw it to your bank anytime.

4Also check Airtime Rewards (code FRJKFXX3) and Everup — rates vary by retailer. Takes 30 seconds to compare before buying.

Method 3 — Cashback websites (online shopping)

Before buying anything online — clothes, electronics, insurance, holidays — check TopCashback or Quidco first. They track your purchase and pay you a percentage back, usually within 30–90 days.

1Sign up to both TopCashback and Quidco. Each has a £10 sign-up bonus in the Offers tab. Keep both because rates differ by retailer — sometimes one pays double the other.

2Always start from the cashback site. Click through to the shop from TopCashback or Quidco, then buy as normal. Do not go directly to the shop — the tracking only works if you arrive via their link.

3Use a clean browser. Disable ad blockers and coupon extensions like Honey before clicking — they interfere with tracking and can cause your cashback to be rejected.

4Withdraw regularly. Do not leave money sitting in the cashback site's account. Withdraw as soon as you hit the minimum — usually £1–5.

⚠️ Watch out for: Using a discount code or voucher on a cashback purchase. Many cashback sites will void your cashback if you also used a promotional code. Always choose cashback over a discount code unless the discount is significantly larger.

💡 Stack all three: Buy a Tesco gift card via JamDoughnut (5% back), pay for it with Chase (1% back), then do your Tesco shop. Three layers of cashback on the same spend. On a £200 weekly shop that is £624/year saved.

🛒

Supermarket Stacking

Save £300–£600/year · 5 min setup · Weekly habit

Most people pay full price for their weekly shop without realising they could be getting 5–9% back every single week. This is not a complicated trick — it just requires buying a gift card before you shop instead of paying directly.

The basic stack (anyone can do this today)

1Open JamDoughnut and use code 8TGF. Find your supermarket (Tesco, Asda, Sainsbury's, Morrisons, Waitrose, Aldi, Lidl). Check the current cashback rate.

2Buy a gift card for the amount of your expected shop — e.g. £80. The cashback (e.g. 5% = £4) is credited to your JamDoughnut account immediately.

3Pay with Chase when buying the gift card. Chase gives you 1% back on that payment too (= another 80p).

4Do your shop using the gift card. You will spend the same amount you always do — you are just getting money back on it.

5Withdraw your JamDoughnut cashback to your bank account once a month.

The advanced stack (add these for maximum savings)

→Loyalty cards. Use your Tesco Clubcard or Sainsbury's Nectar card on top of everything above. Points are separate from cashback — you earn both at the same time.

→Airtime Rewards. Sign up with code FRJKFXX3 and link your debit card. Airtime gives you additional cashback at certain supermarkets automatically when you tap your card — no gift cards needed for this layer.

→Compare rates before buying. JamDoughnut, Everup, and Airtime all have different rates for different supermarkets. The 30 seconds it takes to compare can mean the difference between 3% and 7% back.

⚠️ Watch out for: Buying more gift card value than you need. If you buy £100 but only spend £60, the remaining £40 sits in the gift card — not a problem, but only buy what you will actually use within a reasonable time.

💡 Real numbers: £150/week shopping × 5% JamDoughnut + 1% Chase = £9/week = £468/year. Add loyalty points and Airtime and you are realistically saving £500–£600/year from the exact same shopping you already do.

📈

Free Shares — Invest Bonus Guide

Up to £300 in free shares · Low risk · 5 min each

Several investing apps will give you a free share just for signing up and depositing a small amount. The share is randomly assigned but can be worth £10–£100+. You can sell it as soon as the holding period ends and withdraw the cash. You do not need to know anything about investing.

Is this safe?

Yes. These are all regulated UK investing platforms. Your deposit is protected. The free share is a real share in a real company — it might go up or down slightly while you hold it, but you are only holding it for a short period. The deposit you put in is always yours to withdraw.

Step by step — do these in order

1Freetrade (up to £100 free share). Sign up via the referral link in Offers. Deposit £50. You will receive a randomly assigned free share within 7 days. You must hold it for 30 days before selling. After 30 days, sell the share and withdraw everything.

2Robinhood UK (free share). Sign up via the Offers tab. Deposit £1. You get a free share. Hold for the required period, sell, withdraw.

3Webull (up to £50 bonus). Deposit £100 to unlock the bonus. Hold for 90 days. Same process — bonus appears in your account, then you can withdraw.

4Add each offer to Pending Payouts in the Progress tab with the date you deposited and the expected hold period end date. This is the most important step — people forget and miss their withdrawal window.

5Check your tax position. Free shares are generally treated as income — if they are worth over £1,000 total you may want to note this. For most people earning a few hundred in free shares it is below the relevant thresholds, but worth being aware of.

⚠️ Watch out for: Monthly subscription fees. Some platforms charge £3–5/month for a premium account. Make sure you are signed up for the free tier, or cancel the premium as soon as you receive your bonus.

💡 Stack all three: Freetrade + Robinhood + Webull = up to £200+ in bonuses from around £150 in deposits. Your deposits come back to you — the bonuses are on top. Total outlay: your time (about 15 minutes per platform).

⚡

Energy & Broadband Switching

Up to £170 bonus · One-off · 10 min

Switching your energy supplier or broadband provider earns you referral bonuses and cashback on top of any savings on your bill. You are going to pay for energy anyway — you might as well get paid to choose who you pay.

Energy switching — Octopus Energy

1Switch to Octopus Energy via the referral link in Offers. Both you and the referrer get £50 credit added to your energy account.

2Stack with TopCashback. Go to TopCashback first and find Octopus. Click through from there, then sign up. You can earn additional cashback on top of the referral bonus — always check TopCashback before switching any utility.

3The switch takes 3–6 weeks. Octopus contacts your current supplier and manages the whole process. You do not need to cancel with your old supplier. The £50 credit appears in your Octopus account once the switch completes.

Broadband switching

1Check TopCashback and Quidco for cashback on broadband deals before signing up anywhere. Providers like BT, Sky, Virgin, and Vodafone regularly offer £50–£120 cashback through these sites.

2Compare at Uswitch or MoneySavingExpert to find the cheapest deal, then go back to TopCashback and find the same provider to click through for cashback.

3The cashback tracks when you complete the order. It usually takes 30–90 days to confirm once your broadband is installed and active.

⚠️ Watch out for: Early termination fees on your current broadband contract. Check if you are in a minimum term before switching — if you are, wait until the last month, then switch. Your new provider usually handles the transfer automatically.

💡 Timing trick: When your broadband contract is about to end, always go to TopCashback first. Do not phone your provider to renew — that never goes through cashback. Always sign up via the cashback site as a new customer where possible.

🔄

Direct Debit Setup Guide

Essential for bank switches · 5 min · Cheap

Many bank switch bonuses require you to have 2 active Direct Debits on the account you are switching. A Direct Debit is just an automatic payment that leaves your account on a regular date — like a Netflix subscription or gym membership. If you do not have 2, this guide explains how to get them cheaply.

What counts as an active Direct Debit?

An active Direct Debit is one that has successfully collected at least one payment. It must be a real Direct Debit — not a standing order (which you set up yourself). Most banks need 2 active DDs as part of the switch requirements.

Option 1 — Use existing Direct Debits (free)

→If you already pay for things like Netflix, Spotify, a gym, a phone contract, or any subscription via Direct Debit — these count. The CASS switch will automatically move them to your new account.

→Log in to your current bank app and check your Direct Debits list. If you have 2 or more active ones, you are already sorted.

Option 2 — Set up cheap Direct Debits

1Use the Direct Debit service in the Community tab. This sets up real Direct Debits on your account quickly and cheaply — ideal when you need DDs specifically to meet a bank switch requirement.

2Alternatively, donate £1/month to a charity via Direct Debit. Cancer Research, RNLI, and others all accept £1/month donations and set up a DD automatically. You can cancel after the switch bonus is paid.

3Wait for at least one payment to clear before starting the switch. The DD needs to be "active" — meaning at least one payment has been taken. This usually means waiting for one monthly cycle.

⚠️ Watch out for: Some banks specify that Direct Debits must be for specific types of bills (household bills, regular subscriptions). Always check the specific requirements for each bank switch offer. NatWest and Santander are particularly specific about what counts.

💡 Once set up, leave the DDs running across all your switches — they move automatically via CASS each time, so you only need to set them up once.

⚡

Stack £500 in 90 Days — The Full Plan

Month by month · Proven order · £500–£1,000+ total

This is the complete month-by-month plan. Follow it in order and you can realistically earn £500–£1,000 in your first 3 months. Each step builds on the last. Do not skip ahead — the order matters.

Week 1 — Quick wins (Day 1–7)

→Sign up to TopCashback — £10 bonus. Takes 2 minutes.

→Sign up to Quidco — £10 bonus. Takes 2 minutes.

→Open Freetrade via referral, deposit £50, get free share (up to £100). 5 minutes.

→Open JamDoughnut with code 8TGF. Start using it for your weekly shop this week.

→Open Chase account if you do not have one. Use it as your everyday card for 1% cashback.

→Week 1 total: £20–£120 depending on your Freetrade share.

Month 1 — First bank switch

→Do the Barclays or First Direct bank switch — £200 bonus. Open the offer in the Offers tab for the full guide. This takes 15 minutes to set up. The bonus arrives in about 30 days.

→Open Robinhood UK — free share bonus. Deposit £1.

→Month 1 total so far: £270–£370+

Month 2 — Second bank switch

→Do the NatWest switch — £150–£200 bonus. Switch FROM Chase (not your main account). Takes 15 minutes.

→Open Webull — deposit £100 for bonus. Hold 90 days.

→Collect your first bank switch bonus — it should land this month.

→Month 2 total: £420–£570+

Month 3 — Third bank switch + collect

→Do First Direct or Barclays switch — £175–£250 bonus.

→Collect your NatWest bonus — arrives this month.

→Sell your Freetrade and Robinhood shares if holding period is up. Withdraw the cash.

→Switch Octopus Energy if you have not already — £50 credit.

→Month 3 total: £650–£1,000+

Ongoing — keep the engine running

→Use JamDoughnut + Chase for every weekly shop. £300–£600/year ongoing.

→Check the Offers tab for new bank switch deals as they appear. Banks launch new offers every few months.

→Use TopCashback for every online purchase. Set it as your browser homepage so you never forget.

💡 Track everything in the Progress tab. Add every pending payout with its expected date. Forgotten payouts are lost payouts — the tracker is there so that never happens to you.

⚠️

Common Mistakes — And How to Avoid Them

Read this before you start · Saves you £££

Most people who miss out on bonuses make the same avoidable mistakes. Read through these before you start any offer.

Bank switch mistakes

✗Switching your main account first. Always open a secondary account (Chase or Monzo) and switch that. Never disrupt your main salary account.

✗Not reading the exact requirements. Each bank is different. Barclays needs £2,000 paid in AND 2 DDs. NatWest Premier needs £5,000. First Direct needs £1,000 paid in within 45 days AND 5 card payments. Missing one condition = no bonus.

✗Moving the deposit money too quickly. Pay the money in, wait at least 24–48 hours before moving it out. Moving it immediately can trigger fraud checks and stop the bonus.

✗Closing the account before the bonus is paid. Keep the account open until the money arrives. Closing it first means the bonus has nowhere to go.

✗Not checking eligibility first. If you held an account with that bank in the last 12 months, you will not qualify. Check before you apply — a wasted application still leaves a footprint.

Cashback mistakes

✗Going directly to the shop instead of via the cashback site. The cashback only tracks if you click through from TopCashback or Quidco. Bookmark the cashback site and start every online purchase there.

✗Using a discount code on a cashback purchase. Most cashback sites void your cashback if you also use a promo code. Pick one — usually cashback is worth more than a 5% discount code.

✗Leaving your browser ad blocker on. Ad blockers can prevent cashback tracking. Disable them when clicking through to make a cashback purchase.

✗Never withdrawing. Money in a cashback account is not real money yet. Withdraw as soon as you hit the minimum threshold.

Invest bonus mistakes

✗Selling the free share before the hold period ends. Most platforms have a 30–90 day hold. Selling early forfeits the bonus. Add the end date to your Pending Payouts tracker.

✗Accidentally upgrading to a paid plan. Many apps prompt you to upgrade during onboarding. Decline and stick to the free account unless you specifically want the premium features.

💡 The single most important habit: track everything in the Progress tab the moment you start an offer. A forgotten pending payout is money you earned but never collected.

🎮

How the Rewards System Works

XP · Badges · Streaks · Missions

⚡ What is XP?

XP (Experience Points) tracks your activity inside Money Hunters. The more offers you explore and complete, the more XP you earn.

📋 Claim an offer+50 XP

✅ Complete an offer+100 XP

🔥 Daily check-in+10 XP

🎯 7-day streak+50 XP

🏅 Badges

Badges are earned by hitting milestones. Complete offers, maintain streaks and earn XP to unlock them.

🥇 First ClaimClaim 1st offer

🔥 On Fire7-day streak

💰 Money Maker£100 earned

🏦 Bank Buster3 bank switches

👑 Elite Hunter£500 earned

🔥 Streaks

🎟️ Raffle (Coming Soon)

Complete real offers to earn raffle tickets. When we reach 25 active hunters, we draw a winner for a cash prize.

⚔️

Cashback Battle

Best gift card rates right now

Compare cashback rates on gift cards. Buy through the highest-rate platform to get free money on everyday shopping.

💡 Stack with Chase: buy gift cards via JamDoughnut for cashback, then pay with Chase for 1% on top.

⏳ Pending Payouts

💰 Money Tracker

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Claim your daily XP bonus

Keep your streak alive · Earn badges · Unlock rewards

📋Claim an offer → +50 XP

🔥Daily check-in → +10 XP

🏆Complete offer → +100 XP

🎯7-day streak → Unlock badge

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🎟️ Raffle

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📖 The Playbook

Bank Switch Bible

Cashback — The Complete Guide

Supermarket Stacking

Free Shares — Invest Bonus Guide

Energy & Broadband Switching

Direct Debit Setup Guide

Stack £500 in 90 Days — The Full Plan

Common Mistakes — And How to Avoid Them

How the Rewards System Works

Cashback Battle

⏳ Pending Payouts

💰 Money Tracker

⚡ Daily Check-in

🎯 Weekly Missions

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🎟️ Raffle

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📖 The Playbook

Bank Switch Bible

Cashback — The Complete Guide

Supermarket Stacking

Free Shares — Invest Bonus Guide

Energy & Broadband Switching

Direct Debit Setup Guide

Stack £500 in 90 Days — The Full Plan

Common Mistakes — And How to Avoid Them

How the Rewards System Works

Cashback Battle

⏳ Pending Payouts

💰 Money Tracker

⚡ Daily Check-in

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