New Year sign-up bonuses UK 2027: bank, cashback and app offers

What are the best New Year sign-up bonuses in the UK?

Chip pays £50 once you sign up with code CHIP-TCE575 or through our Chip link, deposit at least £1,000 into eligible Chip accounts and hold it for 90 consecutive days. The bonus lands in your Chip Instant Access Account or Prize Savings Account. The £1,000 can sit in savings, the Smart Cash ISA or investments. New customers aged 18+ have 120 days from referral. Capital at risk when investing.

EDF Energy credits £50 to your new account about four weeks after your switch completes and your first payment clears. Switch through our EDF Energy link, no code needed. Monzo pays £10 to new Personal customers, or £50 on a Business account for UK sole traders and limited company directors. Open with fzwdlcvv or through our Monzo link, add money and make one purchase with your card within 30 days. ATM withdrawals, transfers and virtual-card payments do not count.

PayPal gives £10 each side when you open a new UK personal account through our PayPal link and complete a £5 GBP checkout within 30 days. TopCashback pays £10 once you earn £10 of approved cashback within 180 days via our TopCashback link. Quidco pays £10 after £5 of confirmed cashback. Join through our Quidco link. New members only.

Klarna pays £10, Clearpay gives £10 off, Zilch pays £5 in Zilch Rewards and Cheddar pays £3. These are separate companies, each with its own new-customer terms. HonestCodes checks every offer daily.

Do Monzo and Chip pay a sign-up bonus?

Starting the year with a new current account? Open Monzo with fzwdlcvv or through our Monzo link and you get £10 on a Personal account. Are you a UK sole trader or limited company director? A Business account gets £50. Add money, then make one purchase with your Monzo card within 30 days. ATM withdrawals, money transfers and virtual-card payments do not count. This offer is for people who have never held a Monzo account, and Personal accounts are open from age 16, Business from 18.

Saving for something? Open our Chip link or sign up with CHIP-TCE575, then deposit at least £1,000 into eligible Chip accounts and hold it there for 90 consecutive days. Chip pays a £50 bonus into your Instant Access Account or Prize Savings Account. The £1,000 can sit in savings, the Smart Cash ISA or investments. You have 120 days from being referred to complete it, and the offer is open to new customers aged 18+. Capital at risk when investing.

Pick the account that fits your goal, follow the steps, and claim your reward. Full details for each offer are on our pages: Monzo and Chip.

Do TopCashback, Quidco and Cheddar pay you to join?

Want paying just for joining? These three UK cashback sites do it, and each bonus unlocks on everyday spending. Here is what each one pays.

TopCashback gives new members aged 18+ a £10 sign-up bonus. Use code honestcodes or join through our TopCashback link, then earn £10 of approved cashback within 180 days. It works with 5,500+ UK retailers, including Amazon, Tesco, Argos, Sky, BT and Booking.com. Details are on our TopCashback page.

Quidco offers a £10 joining bonus once you earn £5 of confirmed cashback on your own qualifying purchases. There is no code to type. Join through our Quidco link. New members only. Withdraw by BACS to a UK bank account, to PayPal or as a gift card. Comparing the two? Read the TopCashback vs Quidco comparison.

Cheddar puts £3 in your wallet once you earn your first £5 of cashback within 30 days of signing up. Use code JYFRSHU or join through our Cheddar link. Cashback lands the instant you buy. In the app, buy a digital gift card for the value of your shop, from Tesco, Sainsbury's, Costa Coffee or more than a hundred other UK brands. Withdraw to a UK bank from £5 with no fees. See the Cheddar page.

What do PayPal, Klarna, Clearpay and Zilch give new users?

Want a payment app that rewards you? Start with PayPal. Open a new UK personal account with qgwoE or through our PayPal link, then complete a £5 GBP checkout purchase within 30 days. Both sides get a £10 bonus. Aged 18+. Details are on the PayPal page.

Klarna wants you to try its card. Sign up for the Klarna Card with lTicTmR4qMdin7v- or through our Klarna link, then make three Card purchases of £5 or more within 30 days. The £10 lands in your Klarna balance. The offer is for UK adults aged 18+ who have never used the Klarna Card. Compare the two in our Klarna vs PayPal comparison.

Shopping for something bigger? Clearpay splits a purchase into four interest-free instalments, taken every two weeks. Sign up with BEHZA-T6T77 or through our Clearpay link, then make your first eligible purchase of £50 or more. £10 comes off before the total is divided. New UK customers aged 18+ can claim it, in-app only.

Zilch is a card you can use almost anywhere Mastercard is accepted. Sign up with o7wikj98 or through our Zilch link, verify your identity and get your Zilch card within 30 days. That unlocks £5 in Zilch Rewards. Aged 18+, UK residents. See the Zilch page.

Does EDF Energy pay you to switch in the new year?

Thinking about your energy bills for the new year? Switching to EDF gets you a £50 credit, and you don't need a code. Switch your home's electricity or gas through our EDF Energy link to start.

The £50 lands in your new account about four weeks after the switch completes and your first payment clears. Your steps are simple: switch, make your first payment, and wait for the credit to arrive.

The offer is for UK households not supplied by EDF in the past 12 months, switching directly on edfenergy.com. Full details are on our EDF Energy page.

Comparing your options? Our best energy switching offers guide sets out more deals side by side.

How do you claim every sign-up bonus first time?

Want every sign-up bonus paid out first time? Use the link or enter the code while you sign up, so the offer applies to your new account. HonestCodes checks every offer daily against the brand's own terms.

Monzo's £10 Personal bonus is for people who have never held a Monzo account. Open an account through our Monzo link or with fzwdlcvv, then add money and make one purchase with your Monzo card within 30 days. ATM withdrawals, money transfers and virtual-card payments do not count. PayPal pays a £10 bonus each side when you open a new UK personal account through our PayPal link or with qgwoE and complete a £5 GBP checkout purchase within 30 days of sign-up.

TopCashback's £10 sign-up bonus unlocks once you have earned £10 of approved cashback within 180 days. Join as a new member aged 18+ through our TopCashback link or with honestcodes. Cheddar puts £3 in your wallet once you have earned your first £5 of cashback within 30 days of signing up. Cashback lands the instant you buy a digital gift card in the app for your shop.

Finish the unlock step well inside the time window, and keep a note of each deadline. The windows are 30 days for Monzo, PayPal and Cheddar, and 180 days for TopCashback. For more, read our bank referral bonuses guide.