The Cashback for Bank or Investment Accounts Discussion Thread

winkowinko

I make it about £56 gain overall compared to leaving it in an account paying 4.5%. That's for 3 months

Altior

£100 on £10K for 3 months is equi to 4% annual, so effective rate for 3 months on the minimum qualifying amount is 6.75%. I should imagine most folks on here already have a FD current account, but TCB also doing £50 bonus for new customers for those that don't (plus a possible switching bonus).

friolento

https://forums.moneysavingexpert.com/discussion/comment/81953796#Comment_81953796

Thanks for keeping an eye on ISA offers - good offer if you stay on the ball and manage to move your cash at or very shortly after 31 July. Not a flexible ISA, so you need to use an ISA transfer to move your funds.

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/81953820#Comment_81953820

It popped up on my MSN homepage. I assumed it was some out of date offer about something that had probably already been discussed on here, but no, an actual worthwhile article..

jd84

https://forums.moneysavingexpert.com/discussion/comment/81952662#Comment_81952662

Is anyone able to answer this one?

I am also interested in the answer

Dizzycap

10k @ 4.5% for 3 months Total interest £112.50.

First Direct offer with a 2.75% rate for 10k + additional £100 for 3 months - Total 168.75.

£56.25 more with the First Direct offer.

Dizzycap

As per the MSE weekly email:

1. Get £25 Amazon voucher just for opening (not switching to) a new bank account. New & existing Santander customers who open a new current account via the links below and spend five times on the debit card within 30 days will be emailed a link to claim a £25 Amazon voucher from 10 July 2026 (if not, check your spam). Full info's in our Santander review, but we'd focus on these accounts... The Everyday* is its bog-standard fee-free account, so your best bet if you just want to grab the voucher. The Edge* account costs £3/mth but pays 1% cashback (max £10/mth) on household bills paid by Direct Debit (or look at the Edge Up* if you've bigger bills, as it pays a max £15/mth cashback on bills for a £5/mth fee).

2) Ends Thu. Free £50 Amazon voucher just for signing up to a credit card (you can then cancel). Accepted newbies opening the fee-free Amazon Barclaycard credit card before 11.59pm on Thu get a £40 Amazon voucher, then another £10 voucher for activating the card in the app. So that's a quick £50 with no spend whatsoever - after that, you could just cancel. It does give a decent 1yr 0.5% cashback on most spending (1% at Amazon), though that's beatable by the top cashback cards. If you do use it, ensure you pay off IN FULL each month, preferably by Direct Debit, otherwise the interest dwarfs the cashback. Will it impact my credit score? One application may have a short-term minor impact. It's not usually an issue, but best avoided if you've a key credit application (eg, a mortgage) coming up.

EDIT: I applied for offer 2- Barclays on 07/04/26. Was accepted next day 08/04 with the £40 amazon gift card sent by email immediately after being accepted by Barclays; which I've credited into my Amazon account without issue or the need to activate the credit card in the Barclays App - Nice!

friolento

https://forums.moneysavingexpert.com/discussion/comment/81953933#Comment_81953933

Yes but you need to ISA-transfer-out pronto after 31 July as otherwise your £56.25 will shrink quite quickly.

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81953967#Comment_81953967

Personally, I'm not interested in the offer as I'm more than happy with what I have without the need to skip about for an extra £50 which I can get much easier with opening bank account offers, rather than faffing with ISA transfers ect, which could potentially wipe out the extra £50 within a 2-3 week wait to transfer out. Someone just asked for the calculations, so I gave them.

friolento

Prosper cashback offer 27 March 2026 to 30 June 2026 for opening a Prosper Stocks & Shares ISA, Self-Invested Personal Pension (SIPP), or General Investment Account (GIA). MUST hold your funds until 30 June 2028 (not a typo).

Investment amount	Cashback
£5,000 – £9,999	£50
£10,000 – £19,999	£100
£20,000 – £49,999	£200
£50,000 – £99,999	£500
£100,000 – £249,999	£1,000
£250,000 – £999,999	£2,000
£1,000,000+	£3,000

More details:

https://www.prosper.co.uk/documents/prosper-investment-cashback-offer-q2-2026-terms-and-conditions