1. Named authorship on every page
We do not publish anonymous content. Every offer page and guide carries the name and photograph of the writer who produced it and the name of the editor who verified it. Both names link to a full profile setting out that person's role, experience, areas of expertise and the pages they are responsible for. You can browse the whole team on our authors page.
2. Two-person rule
Nothing publishes on one person's word. The writer researches and tests the offer; a second editor independently re-tests the code or link, checks the reward against the provider's own published terms and confirms the referral programme still operates in the UK. Only then is the verification date applied. Writers cannot verify their own work, and no page shows the same name for both roles.
3. Testing before publication
We test referral journeys ourselves rather than repeating claims from other websites. That means opening the app or site, entering the code, and where possible completing the qualifying action so we can describe what actually happens: how long identity checks take, when the reward appears, and what silently disqualifies you. Where we cannot complete a journey — for example a product only available to existing customers — we say so on the page instead of guessing.
4. Accuracy, dates and re-verification
Referral offers change constantly, so a stamp with no date is worthless. Each page shows the date it was last checked. Our highest-traffic codes are re-checked weekly, featured offers monthly, and the full directory is swept every quarter. A code that fails re-verification is either corrected the same day or removed. Full detail is in our verification and sourcing methodology.
5. Removing dead offers
We would rather have a smaller directory than a dishonest one. When a platform closes its referral programme, withdraws from the UK, merges, rebrands or ceases trading, the page comes down. In our most recent audit we removed 22 platforms for exactly these reasons. We do not keep dead pages online to collect search traffic.
6. Sources and evidence
Reward values, eligibility rules and expiry dates come from the provider's own terms pages, in-app screens or official help centres — never from screenshots on social media. Where a claim cannot be evidenced, we do not publish it. Our full sourcing rules, including which four sources of codes we accept, are set out in the methodology.
7. Financial content and risk
ReferAndSave is an information service, not a financial adviser. Pages covering banking, credit, investing or crypto are reviewed by our standards editor before publication, carry plain risk wording, and state clearly that capital is at risk where that applies. Sign-up bonuses are never a reason to take out credit or buy an investment product, and we never present them as one.
8. Use of AI
We use software to help with research triage and formatting. We do not publish machine-written articles without human authorship: a named writer is responsible for the substance of every page, and a named editor verifies the facts and the live offer before publication.
9. How we make money — affiliate disclosure
This site is free to read because some links earn us a reward. ReferAndSave earns in two ways. Some referral codes on this site belong to our team or to the site itself, so when you sign up using them we may receive the same referrer reward any other person would. Separately, some outbound links are affiliate links, which pay us a commission if you open an account. You never pay more, and the reward you receive is unaffected.
What that money does not buy:
- Placement. Editor's Picks are chosen on merit by our editor-in-chief and cannot be purchased.
- Wording. Partners do not see articles before publication and cannot request edits to our assessments.
- Protection. A commercial partner whose offer stops paying gets the same removal treatment as anyone else.
- Ranking. Category and listing order is driven by date and reader use, not commission rates.
Plenty of the offers here earn us nothing at all — person-to-person schemes with no affiliate programme, and codes shared purely because they are worth having. We list them on exactly the same basis. Our standards and corrections editor reviews commercial wording across the site and is independent of the writers.
10. Corrections and complaints
We get things wrong sometimes, and referral offers change without warning. When that happens we fix the page in the open and say what changed. Email corrections@referandsave.co.uk with the page address and what went wrong — a code that was rejected, a reward that never arrived, a term we described incorrectly, or a platform you believe has closed. Screenshots help but are not required.
- Same day: your report is logged by our standards editor and assigned to a verifier who did not write the page.
- Within one working day: the code or link is re-tested and compared against the provider's live terms.
- Outcome: the page is corrected and re-dated, the code is replaced, or the listing is removed if the programme has ended.
- Reply: we come back to you with what we found, even when the original page turns out to be right.
Material corrections — a changed reward value, a wrong eligibility rule, a dead code — are made visibly. The page's verification date is reset, the verifying editor's name is updated and the change is entered in our internal corrections log. We do not silently edit a page and leave the old verification stamp in place.
We are not the provider. If a platform refuses to pay a reward you believe you earned, the dispute is ultimately with them and their complaints process or ombudsman scheme. We will still investigate, and if the terms were not as we described, the page is corrected or pulled. Platforms we cover can request a factual correction using the same address: we correct genuine errors of fact promptly, but we do not remove accurate criticism, and a commercial relationship does not entitle anyone to edit our assessments.
11. Reader-first test
Before a page publishes, the verifying editor asks one question: would I send this to a friend who is about to spend their own money? If the answer is no, the page does not go live.