Here are a few UK money offers worth your time this week.
£250 for switching to Lloyds (Club Lloyds / Silver / Platinum)
Lloyds has brought back a proper switch bonus: £250 cash for moving your current account over. It’s one of the strongest “no-nonsense” switch deals running right now.
To qualify, you need to open a new eligible Club Lloyds account and use the Current Account Switch Service (full switch), including at least 3 active Direct Debits.
Gotchas: eligible accounts can have monthly fees, and the offer is for applications/switches started between 6 Jan and 3 Feb 2026. Also, switching from Halifax or Bank of Scotland doesn’t count.
Best for: anyone with a “spare” current account (with a few Direct Debits) who wants a clean cash win without hoops beyond the DDs.
£175 for switching to Nationwide (plus a decent shot at an extra £100 later)
Nationwide’s £175 switch offer is still live, and it’s one of the better all-rounders because you can pair it with their FlexDirect perks (depending on the account you choose).
What you need to do: complete a full CASS switch into an eligible Nationwide account (FlexDirect, FlexAccount or FlexPlus) and follow the switch-offer terms.
Gotchas: the switch offer is “limited time” (no fixed end date stated), so don’t leave it for months. And the extra £100 “Fairer Share” payment is not guaranteed; it depends on Nationwide and whether you meet the criteria, but Money Saving Expert has a clear checklist to maximise your chances (typically involves holding/using a Nationwide current account through the first part of 2026).
Best for: people who want a solid switch bonus with ongoing perks, and who don’t mind keeping Nationwide as a main account for a while.
Extra £30 cashback for new TopCashback members (with a £5 spend)
If you’re not already on TopCashback, this is one of the easiest “free money” wins: get an extra £30 cashback when you sign up and make a £5+ purchase via TopCashback.
To qualify, you need to join as a new member via the MSE link, then click out to a retailer through TopCashback and spend £5+ as normal (it tracks in the background).
Gotchas: you must sign up by Sunday 18 January 2026 (or it can end early if the sign-up cap is hit). Cashback also isn’t instant; it usually tracks first, then becomes payable later.
Best for: anyone with any online spend coming up anyway (groceries, toiletries, travel, gifts), just route it through TopCashback first.
£20–£100 bonus for investing £100 with InvestEngine (referral welcome bonus)
InvestEngine’s referral welcome bonus is straightforward: invest £100+, and you can get an investment bonus randomly set between £20 and £100.
What you need to do: join via a referral link (it has to be the tracked referral landing page), open an account (ISA/SIPP/General), and invest at least £100.
Gotchas (important): this is investing — your capital is at risk. Also, once the bonus lands, you must keep the bonus invested for at least 12 months before withdrawing it. Bonus amounts are random, not guaranteed.
Best for: people who already want to start (or top up) a simple ETF-based portfolio and are happy leaving money invested.
Free weekly drink at Greggs or Caffè Nero (Octopus Energy customers, smart meter required)
If you’re with Octopus and have a smart meter, Octoplus Rewards can get you one free drink per week in-store at Greggs or Caffè Nero. It’s genuinely good value if you remember to claim it.
What you need to do: join Octoplus Rewards (free, but smart meter customers only). Then claim the drink code in the Octopus app and redeem in-store.
Gotchas: codes tend to go fast in the morning, and you need to use it in the same week you claim it (expires Sunday night). Also, once you hit “activate”, you’ve only got a limited window to scan it, so do it at the till when staff are ready.
Best for: anyone already on Octopus who buys coffee out at least once a week.