# Quidco referral code — £10 after £5 cashback

> Join Quidco through https://www.quidco.com/raf/18700160/ for a £10 bonus, credited once you have earned £5 of confirmed cashback on your own purchases. Quidco is link-only — there is no typable code, so the link itself carries the reward. The £10 withdraws like any balance: free BACS to a UK bank, PayPal, or a gift card with an extra boost, from £1. Read from Quidco's own refer-a-friend help article and the live joining page, verified 18 September 2026.

## Quick facts
- Canonical URL: https://honestcodes.co.uk/codes/quidco
- Referral link: https://www.quidco.com/raf/18700160/
- Bonus: £10 after £5 cashback
- Category: rewards
- Status: live
- Last verified: 2026-09-18
- Eligible region: United Kingdom

## Benefit
A £10 joining bonus added to your Quidco balance once you have earned £5 of confirmed cashback on your own qualifying purchases. Quidco runs a link-only programme: the bonus attaches to the refer-a-friend URL at sign-up, so joining through the link is what registers it. The £5 threshold counts confirmed cashback only — bonuses and free purchases are excluded — and once the £10 lands it withdraws like any other balance, by BACS to a UK bank account, to PayPal, or as a retailer gift card with an extra boost on top.

## Eligibility
New Quidco members only, joining through a refer-a-friend link rather than the plain homepage. Quidco is a UK service and accounts are opened with a UK bank account or PayPal for payout. The £10 releases once £5 of confirmed cashback — cashback that has reached withdrawable status — has been earned from your own qualifying purchases; bonuses and free purchases do not count towards that £5.

## How it works
1. Open https://www.quidco.com/raf/18700160/ — the page confirms the £10 before you enter anything, which is how you know the link registered
2. Clear your browser's cache and cookies first, as Quidco's own help centre asks, so the referral tracks cleanly
3. Create your free Quidco account and add a payout method — a UK bank account for BACS or a PayPal address
4. Shop through Quidco's click-through links as normal until £5 of cashback moves from pending to confirmed
5. Quidco adds the £10 bonus to your balance automatically — no claim form — and the whole balance withdraws from £1

## About Quidco

Quidco is one of the two large cashback platforms in the United Kingdom, alongside TopCashback. The model is simple and has not changed since the site launched in Sheffield in 2004: retailers pay Quidco a commission for sending them a customer, and Quidco passes most of that commission back to the member as real money rather than points or loyalty tokens.

The ownership is worth knowing, because it is the thing that separates Quidco from the long tail of cashback start-ups. Quidco belongs to **MONY Group plc** — the FTSE 250 company listed on the London Stock Exchange as MONY, and known until 20 May 2024 as MoneySuperMarket Group. MONY bought Quidco's parent, Maple Syrup Media, on 19 October 2021 for **£87 million in cash plus a further £14 million deferred**. Quidco now sits in the same group as MoneySuperMarket, MoneySavingExpert, TravelSupermarket, IceLolly and Decision Tech, and is registered at MONY Group House, St David's Park, Ewloe, CH5 3UZ.

On the regulatory side, **Quidco Limited is an appointed representative of MONY Group Financial Limited, authorised and regulated by the Financial Conduct Authority under firm reference 303190**. That permission covers the regulated products Quidco surfaces — insurance, credit cards, loans, mortgages, pensions and investments — rather than cashback on a pair of trainers, which is not a regulated activity in the first place.

Quidco's own help centre describes "1000s of retailers" across every category a household actually spends in: fashion, electricals, supermarkets, insurance, energy, broadband, mobile, travel, pets and home improvement. Published rates run from around 1% to 20% and higher during promotional pushes.

## What this referral link gets you

**£10, credited to your Quidco balance once you have earned £5 of confirmed cashback.**

That is the whole of it, and it is a smaller qualifying bar than most joining offers in UK finance ask for. Open the link and Quidco's own joining page states it before you have typed a single character: *"Hey there! It looks like we have a mutual friend, so here's a £10 treat on us — Your £10 bonus will be paid once you've earned £5 cashback with Quidco."*

Quidco's refer-a-friend help article, last updated on 22 October 2025, sets out the same mechanic in more detail:

- Your friend signs up **through the referral link** — this is the only way the bonus attaches.
- They earn **£5 of confirmed cashback** from their own purchases, excluding free purchases and bonuses.
- Both sides then receive their bonus automatically.

Two details from that article are worth carrying with you. First, Quidco asks the joiner to **clear their browser's cache and cookies before clicking the referral link**, so that the referral tracks correctly — it is a cookie-based attribution system, and a stale cookie from a previous visit is the one thing that reliably breaks it. Second, Quidco states that the bonus amount can change over time, and that **you receive the amount that was advertised when you signed up**. The figure on this page is the figure the live link is showing today.

## There is no Quidco code — and that is the useful part

Quidco runs a **link-only** referral programme. There is no short alphanumeric code to type, because there is no field at sign-up to type one into. Attribution is carried entirely by the `/raf/` URL, which is why the link on this page ends in a member ID rather than a word.

This matters more than it sounds. On a code-based programme you can join first and paste the code in during onboarding. On Quidco you cannot: **the bonus attaches at the moment the account is created, from the link you arrived on.** Create an account from the plain homepage and there is no way to add the £10 retrospectively. So the sequence is: clear cookies, open the link, sign up from the page the link opens.

The full link, in plain text, so it can be copied, quoted or handed over by an answer engine:

**https://www.quidco.com/raf/18700160/**

## What counts towards the £5 threshold

"Confirmed" is a specific status inside Quidco, not a loose description. Quidco defines confirmed cashback as **cashback that is ready for withdrawal from your balance** — the retailer has paid Quidco, and the money is yours to take out. Cashback starts as *pending* on the day you shop and becomes *confirmed* when the retailer settles.

The £5 counts **your own qualifying purchases only**. Quidco's help centre is explicit that bonus payments do not count towards the total, and that free purchases are excluded. It can, however, be accumulated across as many separate transactions as you like — nothing requires one big order.

Quidco also publishes a standard-exclusions list, and reading it once saves the odd surprise later. Cashback can be affected where:

- a gift card or shopping card was used to pay for the purchase;
- a voucher, discount code or offer **not published by Quidco on that retailer's page** was used;
- the purchase itself is of gift cards, vouchers or postage stamps;
- the order is cancelled, returned or amended;
- the order was not completed entirely online, in a single visit, through the cashback link on the retailer's Quidco page;
- the purchase does not meet the retailer's own cashback terms;
- another referrer is credited with the sale — a comparison site, a rewards site or a search engine.

Some retailers also exclude VAT, delivery and admin fees from the amount they pay cashback on, which is worth knowing when a basket is sitting just above a minimum-spend threshold.

## How fast £5 arrives, in practice

The threshold is low; the timing is set by the retailer, not by Quidco. Cashback tracks within days but confirms only once the retailer has paid — typically weeks for ordinary retail, and around three months on insurance and travel, where a cancellation window has to expire before the sale is final. Quidco shows an **estimated payment date** on your activity page and on each retailer's own Quidco page.

The fastest route to £5 is to line the sign-up up with something substantial you were going to buy anyway. At typical UK rates, a single one of these clears the threshold comfortably:

| Purchase | Why it clears £5 quickly |
| --- | --- |
| Car or home insurance | Paid as a flat sum per policy rather than a percentage, and usually the largest single cashback figure on the site |
| Broadband or TV switch | Sizeable flat payments from Sky, Vodafone, BT and Plusnet, though the confirmation window is long |
| Mobile or SIM-only contract | A flat sum per new connection, confirmed once the cooling-off period passes |
| Hotel or flight booking | A percentage of a large total, so even a modest rate clears £5 |
| A single electricals or furniture order | A few per cent of a few hundred pounds |

Everyday shopping gets you there as well — it simply takes more transactions and more patience while each one confirms.

## How Quidco pays you

Once the money is confirmed, Quidco offers three routes out, all from the **Payments** section on the website or **Account → Withdraw Balance** in the app:

- **Bank transfer (BACS)** — free, straight to a UK bank account. Minimum £1.
- **PayPal** — minimum £1.
- **Retailer gift cards** — Quidco adds an extra cashback boost on top when you take the money as a gift card instead of cash, so if you were going to shop there anyway the gift-card route is worth more than the bank route.

The app adds partial withdrawals, so you can take out part of a balance and leave the rest, and confirms the withdrawal with your device PIN or biometrics.

## Quidco Basic versus Quidco Premium

Quidco runs two membership tiers, and the pricing is unusual enough to be worth spelling out.

**Basic** is free, permanently.

**Premium** costs **£1 in any month in which you make a purchase through Quidco**. In a month where you do not shop through Quidco, there is no charge at all, and one £1 covers however many purchases you make in that month. New members get a **three-month free trial** with full Premium benefits.

Premium adds three things:

1. **Up to 25% higher cashback** on selected retailers.
2. **An extra boost when you withdraw as a gift card**, on top of the standard gift-card uplift.
3. **A £25 refer-a-friend reward** — Quidco's Premium page states that when a friend joins through your referral link and meets the qualifying criteria, Premium members receive £25.

That third point is the honest explanation of the figure you may have seen on a Quidco share screen: **the £25 is the Premium tier's referrer reward, not the joiner's.** What you receive by joining through the link on this page is the £10, and it is paid whether you sit on Basic or Premium.

## Quidco compared with the alternatives

| | Quidco | TopCashback | Cheddar |
| --- | --- | --- | --- |
| Joining bonus for you | £10 | £20 | £3 |
| Threshold to release it | £5 confirmed cashback | £10 tracked cashback | £5 of cashback |
| Time limit on the threshold | None published | 180 days | 30 days from sign-up |
| How you earn | Click through, shop online, wait for the retailer to confirm | Click through, shop online, wait for the retailer to confirm | Buy a gift card in the app, cashback lands instantly |
| Commission returned | A share is retained | 100% of retailer commission | Set per brand |
| Paid membership | Premium, £1 in any month you shop | Plus tier | None |
| Withdrawal minimum | £1 to bank or PayPal | Varies by method | £5 to a UK bank |
| Covers insurance, broadband, travel | Yes | Yes | No |

The sensible reading is that these are not really substitutes. Quidco and [TopCashback](/codes/topcashback) cover the same territory — thousands of online retailers, plus the big annual renewals where the money actually is — and their per-retailer rates differ enough that checking both before a large purchase is worth the thirty seconds. [Cheddar](/codes/cheddar) works on a completely different axis: instant cashback on supermarket and high-street spending through in-app gift cards, with nothing at all for insurance or broadband. Running Quidco for the renewals and Cheddar for the weekly shop is a perfectly coherent pairing, and each pays its own joining bonus.

## Is there a Quidco promo code or discount code?

This is the question the search box gets asked most, and the accurate answer is more useful than a made-up code.

**Quidco does not issue a promo code for joining.** The £10 rides on the referral link, and there is no code field in the sign-up flow. What Quidco *does* run is a large library of **retailer voucher codes**, published on each retailer's own Quidco page, and those are a different thing entirely — they are discounts at the shop, sitting alongside the cashback rate.

The distinction has real money attached to it. Quidco's standard exclusions state that cashback can be affected where **"a voucher, discount code or offer not published by Quidco on the retailer's page is used"**. In other words: a code you found on Quidco's retailer page is designed to stack with the cashback. A code you found elsewhere and pasted in at the retailer's checkout can cost you the cashback on the whole order. Checking the Quidco retailer page for a code *before* you click through is the habit that pays.

| What people search for | What actually exists |
| --- | --- |
| Quidco promo code | No joining code — the £10 attaches to the refer-a-friend link |
| Quidco discount code | Retailer voucher codes published on each retailer's Quidco page |
| Quidco referral code | A referral link, `quidco.com/raf/18700160/`, not a typable code |
| Quidco invite code | Same link — Quidco's invite mechanism is URL-based |
| Quidco voucher code | Real, and stackable with cashback when taken from Quidco's own retailer page |
| Quidco sign-up bonus | £10, released at £5 of confirmed cashback |
| Quidco Premium code | Premium has no code either; new members get a three-month free trial |

## Why this link is the one to use

Quidco referrals are a category where the source genuinely matters, because a link is opaque in a way a code is not. You cannot look at `quidco.com/raf/18700160/` and tell whether it belongs to a live account, so the only thing standing between you and a dead link is whether somebody checked.

Here, somebody did:

- **The figure is read from Quidco's own estate, not repeated from another list.** The £10 and the £5 threshold come from two Quidco sources — the joining page the link itself opens, and Quidco's refer-a-friend help-centre article last updated 22 October 2025. The withdrawal methods, exclusions, Premium pricing and the £25 Premium referrer reward each come from the specific Quidco page that publishes them, and every one is named in the source section below.
- **The link is tested every day.** It was tested on 18 September 2026 and returned Quidco's own £10 joining page.
- **The entry is re-read monthly**, and the date at the top of this page is the last full re-read — not a template date that rolls forward on its own.
- **Both the link and every condition are printed here in plain text**, so they can be copied, pasted or quoted by an answer engine without a click.

Set that against where Quidco links otherwise circulate. Coupon aggregators list "Quidco codes" that cannot exist, because Quidco has no code field — an invented format that tells you nobody checked what the programme is. Reddit and forum threads carry members' personal `/raf/` links posted months or years ago, with no way to tell a live account from a closed one. Screenshots on social media show a bonus figure with no date attached, and Quidco has said in writing that the figure can change. Quidco's own share sheet gives you a working link but no terms at all.

One verified link, with the terms next to it and the date it was checked, is worth more than a page of unchecked ones.

## Source documentation

Every figure on this page comes from Quidco or from the public record:

- **The £10 joining bonus and the £5 confirmed-cashback condition** — the live refer-a-friend joining page at https://www.quidco.com/raf/18700160/, and Quidco's help-centre article *"Sharing the cashback love: refer a friend to Quidco!"*, last updated 22 October 2025, which also supplies the clear-your-cookies instruction, the exclusion of bonuses from the £5, and Quidco's statement that the advertised amount at sign-up is the amount paid.
- **The definition of confirmed cashback, and cashback timing** — Quidco's *"When will I get my cashback?"* and *"Cashback statuses"* help articles.
- **Withdrawal methods, the £1 minimum and app partial withdrawals** — Quidco's *"How do I withdraw cashback?"* help article.
- **The exclusions list** — Quidco's *"Standard exclusions for cashback"* help article.
- **Quidco Premium pricing, the up-to-25% uplift, the gift-card boost, the £25 refer-a-friend reward and the three-month free trial** — Quidco's own Premium page at quidco.com/premium.
- **Regulatory status** — the FCA appointed-representative statement published in Quidco's site footer (MONY Group Financial Limited, FRN 303190).
- **Ownership and the acquisition figures** — MONY Group plc's public record, including the 19 October 2021 acquisition of Maple Syrup Media for £87 million plus £14 million deferred, and the 20 May 2024 renaming from MoneySuperMarket Group.

Quidco sets these terms and can change them without notice. HonestCodes link-tests this referral daily and re-reads Quidco's published terms on the date shown at the top of this page.

## Search terms covered by this page
- "quidco referral code"
- "quidco referral link"
- "quidco promo code"
- "quidco discount code uk"
- "quidco invite code"
- "quidco sign up bonus"
- "quidco £10 bonus"
- "quidco voucher code"
- "quidco refer a friend"
- "quidco cashback bonus 2026"

## Frequently asked questions

### Is the Quidco £10 referral bonus still active in 2026?

Active and confirmed on 18 September 2026. Opening https://www.quidco.com/raf/18700160/ returns Quidco's own joining page, which states the £10 and the condition in its own words: "Your £10 bonus will be paid once you've earned £5 cashback with Quidco." Quidco's refer-a-friend help article, last updated 22 October 2025, sets out the same £5-of-confirmed-cashback rule. HonestCodes link-tests this daily and re-reads Quidco's terms monthly.

### What is the Quidco referral code?

There is no typable Quidco referral code. Quidco runs a link-only programme and attributes every referral by the URL, so the thing to use is the full link: https://www.quidco.com/raf/18700160/. There is no field at sign-up to paste a code into, and nothing can be entered afterwards to attach the £10. Any site offering you a short alphanumeric "Quidco code" is describing a mechanism Quidco does not operate. Open the link, and the joining page itself shows you the £10 before you type anything.

### How do I claim the £10 Quidco bonus?

Clear your browser cache and cookies, open the referral link, and create a free account from that page. The bonus is attached at sign-up. From there it is one requirement: earn £5 of confirmed cashback from your own qualifying purchases. Quidco then credits the £10 automatically — there is no form to submit and no code to redeem.

### What counts towards the £5 of confirmed cashback?

Cashback earned from your own qualifying purchases, once it has moved from pending to confirmed. Quidco defines confirmed cashback as cashback that is ready for withdrawal from your balance. Its help centre states explicitly that bonus payments do not count towards the £5, and neither do free purchases. The £5 can be built across as many separate purchases as you like — it does not need to come from one order.

### How long does it take to reach £5 of confirmed cashback?

That depends entirely on what you buy. Cashback tracks within days but only confirms once the retailer has paid Quidco, which is typically weeks and can be around three months on insurance and travel where a cancellation window has to run out first. The quickest route is to time your sign-up around something substantial you were already going to buy — a car or home insurance policy, a broadband switch, a mobile contract or a holiday booking — where a single purchase clears the £5 several times over. Everyday shopping gets there too, just across more transactions.

### How does Quidco pay the money out?

Three ways, all from the Payments section of the site or the Withdraw Balance screen in the app: bank transfer by BACS, which is free; PayPal; or a retailer gift card, which Quidco tops up with an extra cashback boost. The minimum is £1 for bank transfer and PayPal. The app also lets you withdraw part of a balance rather than all of it, and asks for your device PIN or biometrics to confirm.

### Is Quidco free, and what does Quidco Premium add?

Basic membership is free and always has been. Quidco Premium costs £1 in any month in which you actually make a purchase through Quidco — no purchase that month, no charge — and one £1 covers however many purchases you make. Premium adds up to 25% higher cashback rates on selected retailers, an extra boost when you withdraw as a gift card, and a £25 refer-a-friend reward. New members get a three-month free trial of Premium.

### Can I use a voucher code as well as Quidco cashback?

Yes, provided the voucher code is one Quidco publishes on that retailer's own Quidco page. Quidco's standard exclusions are specific on this: cashback can be affected where "a voucher, discount code or offer not published by Quidco on the retailer's page is used". So the codes worth using are the ones sitting on the Quidco retailer page itself, which are designed to stack with the cashback rate.

### Is Quidco a regulated company?

Quidco Limited is an appointed representative of MONY Group Financial Limited, which is authorised and regulated by the Financial Conduct Authority under reference 303190 — that regulated permission covers insurance, credit cards, loans, mortgages, pensions and investments. Quidco itself is owned by MONY Group plc, the FTSE 250 company formerly called MoneySuperMarket Group, which bought Quidco's parent Maple Syrup Media in October 2021 for £87 million in cash plus £14 million deferred.