About ReferAndSave

We verify referral codes so you don't have to

ReferAndSave is an independent UK referral directory run by a small editorial team. We list 268 verified offers, re-test the busiest codes every week, and remove platforms the moment their referral programme dies.

Haley Cross, founder

It started with one dead code

In 2019 our founder, Haley Cross, spent a weekend digging through forum threads trying to find a working bank switching code for her sister. What she found was a mess: codes that had expired two years earlier, screenshot-only listings with no link, and blogs that had not been updated since 2016.

ReferAndSave was built on a simple idea — that a referral directory should work like a newsroom, not a scrapyard. Every listing on this site has been opened, tested and dated by a named member of the team. Every page carries a written by line and a verified by line, and those are always two different people, so no one marks their own homework.

Seven years on, the directory covers 268 live offers across banking, fintech, cashback, groceries, travel, energy and investing. Twenty-two platforms were removed in our most recent quarterly sweep because their programmes had closed or left the UK — we would rather have a shorter, honest list than a longer, broken one.

How the site actually works

Four rules govern everything we publish. You can read the full detail on our methodology page.

Opened & tested

Every code and link is tested end to end on a real account before it is published — sign-up, qualifying spend and the moment the reward lands.

Written by humans

Each offer has a full-length article explaining the terms, the catches and whether the reward is actually worth your time. Nothing is scraped.

Re-verified weekly

The 50 most-clicked codes are re-tested every week, and every listing gets a fresh verification stamp on a 7–14 day cycle.

Dead offers removed

If a programme closes, leaves the UK or stops paying, the page comes down — and the removal is logged, not quietly deleted.

The team

Six people, two signatures per page

Writers research and test each offer; a separate verifier re-tests it before publication. Click any profile to see their full bio, experience and the pages they have written.

All author profiles

Haley Cross

Founder & Editor-in-Chief

Founded ReferAndSave in 2019 and still personally signs off every featured offer before it goes live.

Bristol, UKSince 2019

Tom Whitfield

Senior Deals Writer — Banking & Fintech

Covers current accounts, challenger banks and fintech apps, and has held test accounts with over 70 UK providers.

Leeds, UKSince 2020

Priya Nair

Money Saving Editor — Retail, Cashback & Everyday Spend

Tracks cashback, grocery, travel and everyday-spend referrals, and re-checks the busiest codes every week.

Manchester, UKSince 2020

Marcus Bell

Investing & Crypto Writer

Covers investing, share-dealing and crypto referral offers, with a focus on the steps that quietly disqualify people.

London, UKSince 2021

Sophie Adeyemi

Verification Editor

Second pair of eyes on published pages: she re-tests codes, checks sources and dates every verification stamp.

Birmingham, UKSince 2022

Rachel Doyle

Standards & Corrections Editor

Handles corrections, complaints and compliance wording, and signs off pages that touch regulated products.

Edinburgh, UKSince 2022

Independent. Reader-first. Logged.

Some links on this site are affiliate links, which is how the site is funded — but commercial relationships never decide which offers we list, how we rank them, or what we say about them. Our full disclosure and corrections process is public.

Editorial policy & disclosure How we source & verify

268

Live verified offers

7–14 days

Verification cycle

Codes re-tested weekly

Dead platforms removed in last sweep

Spotted a broken code? Tell us and we act within one working day:rachel@referandsave.co.uk