# Current Accounts & Banking

> Refer-a-friend bonuses for UK app-based current accounts — real cash, paid into a regulated account.

A refer-a-friend bonus is the cheapest customer a challenger bank can buy, which is exactly why the cash is real. The two offers that top our 2026 banking table are Monzo — a flat £10 each side on a personal account, or £50 each side on a business account, paid after a single card purchase — and Revolut, whose campaign pays the referrer a flat sum once a new joiner clears a four-step activation. Both run on FCA-authorised, PRA-regulated entities, and eligible balances held with Monzo or the Revolut Bank UK Branch are covered by the Financial Services Compensation Scheme up to £85,000. We score each on how much the joiner actually banks, how little friction it takes to qualify and how protected the money is.

## Ranked offers
1. [Monzo](https://topreferrals.co.uk/offers/monzo) — TopScore 8.5/10 (Elite). £10 each side (£50 business). Code: `7tmgtxp`.
2. [Revolut](https://topreferrals.co.uk/offers/revolut) — TopScore 4.6/10 (Fair). In-app welcome offer for new joiners.