Raisin referral link & Get £100 FREE

Raisin offer at a glance

Reward

£100 FREE

How to claim

Use the referral link

Category

Banking & finance

Last checked

12 October 2026

About Raisin

Raisin UK is an online savings marketplace. Rather than asking a customer to maintain separate log-ins with every savings provider, it offers one Raisin UK Account through which a customer can view and manage eligible savings accounts from its panel of partner banks and building societies. The marketplace currently describes easy-access savings, notice accounts and fixed-rate bonds, while the customer experience is centred on comparing products online, applying once and then managing savings with a single login or the Raisin app. A Raisin UK Account itself is described by Raisin as free to open, but the terms and product documentation remain important for every individual account.

The funding path matters for this offer. Raisin says money first travels from the customer’s nominated account to a Raisin UK Transaction Account, which its current ‘How Raisin UK works’ page says is held at ClearBank. Funds are then placed with the selected partner bank, either directly or through Raisin Platforms Limited acting as bare trustee for some partner-bank products. The particular savings product is governed by that partner bank’s product details, including its rate, opening limits, access rules, maturity treatment and any exceptional early-closure terms.

Raisin Platforms Limited, trading as Raisin UK, says it is authorised and regulated by the FCA. It also makes clear in its terms that it does not assess whether a savings product is suitable for a customer. Registration requires a customer to be at least 18, a UK resident with sole UK tax residency, and to use a nominated UK bank, building society or EMI account held in their sole name. A unique UK-registered mobile number is also required. Identity, anti-money-laundering and other verification checks can delay or prevent account opening. Existing Raisin UK customers, and customers with certain linked branded accounts named in the terms, should not assume they can open another account or qualify as new customers.

This is a savings-platform promotion, not an investment-performance claim. A fixed-rate bond normally fixes its stated savings interest rate for its term, but the £100 FREE referral reward is separate from that interest. Readers should compare the actual product rate, term, access restrictions, tax position and deposit-protection wording shown for the chosen partner bank. Raisin’s own pages refer to FSCS protection or a European equivalent, but protection limits apply by bank and can be affected by direct balances held with the same banking group; check the live product information rather than relying on this referral record.

Get £100 FREE with Raisin

**£100 FREE Raisin referral offer — Referral link:** https://www.raisin.com/en-gb/referral/?raf=92c0dda3d7ef763433834fc9628634b25bcfd104

The exact referral URL above is the referral link for this record. It must be opened before completing a new Raisin UK registration so that Raisin has the best opportunity to associate the new customer with the referral. Raisin’s official UK ‘Refer a friend bonus’ page says that the referrer and the referred friend each receive £100 when the friend opens and funds a qualifying fixed-rate bond. It describes the £100 terms as applying to successful referrals made on or after 31 October 2025. The reward is credited to the relevant Raisin UK Transaction Accounts, with the page saying payment is made within 28 days of the referred customer opening and funding the qualifying bond.

For the published £100 criteria, the referred person must be a new referral registration, fully register for Raisin UK, and make their first successfully opened savings account a qualifying fixed-rate bond. That bond must have a term of **one year or longer** and a **minimum opening deposit of £10,000**. The qualifying £10,000 cannot be divided across several savings accounts; it must be in one qualifying savings account. A reader who opens an easy-access or notice account first, selects a fixed term of under one year, funds less than £10,000, has an unsuccessful application, or was already registered should not expect the £100 reward.

The referral page also contains a separate paragraph referring to £5,000, six-month products and easy-access or notice accounts. That wording conflicts with the page’s stated £100 / £10,000 / one-year criteria and is not sufficiently explained on the extracted page. Do **not** rely on the £5,000 text as an alternative way to earn this £100 reward. Confirm the qualifying product and the referral attribution with Raisin UK before committing funds, especially because the exact referral destination was live but its text-only response did not display the personalised promotional terms.

The £100 is not a higher savings rate, a discount on the £10,000 deposit, a substitute for the required deposit, or a guarantee of investment or savings performance. It is not earned merely by clicking the link, creating an incomplete application, or sharing the link. A former Raisin £100 welcome-bonus page is explicitly expired and used a different promotion; it must not be confused with this referral offer. Terms, availability and product range can change, so provider confirmation remains necessary immediately before applying.

How to claim the offer

1. 1Open the exact Referral link — https://www.raisin.com/en-gb/referral/?raf=92c0dda3d7ef763433834fc9628634b25bcfd104 — in a fresh browser session before beginning registration. Do not replace it with a guessed code, a shortened link or an old welcome-bonus code.
2. 2Check personal eligibility first. The Raisin UK terms require an applicant to be at least 18, a UK resident with sole UK tax residency, and able to nominate a UK account in their sole name. A pre-existing Raisin UK registration is incompatible with the offer’s new-referral requirement.
3. 3Complete the full Raisin UK registration accurately, accept the relevant terms and provide any documents requested for identity or anti-money-laundering checks. Registration is not complete until Raisin and the service bank accept the application.
4. 4Ensure the Raisin UK Transaction Account is active. Raisin’s referral page specifically tells referrers to ensure their Transaction Account is active, and it says the reward is paid into the Transaction Accounts of qualifying parties.
5. 5Before applying for any savings product, confirm on the live product page that it is a fixed-rate bond with a term of at least one year and that a £10,000 opening deposit is accepted. Confirm that this will be the referred person’s first successfully opened Raisin savings account.
6. 6Apply for the qualifying bond with £10,000 or more in that single savings account. Do not split the qualifying amount over several products. The general application guide says a fixed-bond funding window is typically 60 days, but the live application and product documentation govern the deadline.
7. 7Fund the requested amount from the nominated account via the Transaction Account and retain the confirmation. Raisin says an application may be cancelled if the full requested deposit is not received within its funding window; once the application reaches the partner bank, cancellation may be restricted except in exceptional circumstances.
8. 8After the bond has both opened and been funded, monitor the Transaction Account for up to 28 days. Keep the referral URL, registration confirmation, bond application, funding confirmation and dates. If no reward appears, ask Raisin UK to check the referral tracking and eligibility rather than opening another product or making assumptions.

Your referral benefit

A qualifying new customer can receive **£100 FREE** in their Raisin UK Transaction Account, and the referring Raisin customer can receive the same amount for that successful referral according to Raisin’s current referral page. That is a conditional promotional credit tied to the exact referral journey and qualifying fixed-rate bond; it is not interest paid by the partner bank and it does not change the product’s quoted AER or the amount that must be committed.

The practical value therefore depends on whether locking at least £10,000 into a single fixed-rate bond for at least one year suits the customer’s own cash-flow needs. Fixed-rate bonds generally restrict access until maturity, and early closure, where a product permits it at all, may have consequences set by the provider. The £100 should not be used to justify taking a product with an unsuitable term, rate or protection arrangement. Read the individual product information and terms before funding, then treat the reward as separate from all interest and from the return of the underlying deposit.

Before you claim

• Verify that the browser address remains exactly https://www.raisin.com/en-gb/referral/?raf=92c0dda3d7ef763433834fc9628634b25bcfd104 and that it is on the official raisin.com domain before registration. The link was live when this record was checked, but a live landing page alone does not prove an individual referral has tracked.
• Read Raisin UK’s current ‘Refer a friend bonus’ page on the day of application. Check that it still states £100 for both parties and has not replaced, paused or amended the campaign.
• Confirm that the applicant has never already registered with Raisin UK and does not have a relationship that the Raisin UK terms identify as preventing a new Raisin UK account. Do this before supplying funds, not after the bond has opened.
• Confirm age, UK-residency and sole-UK-tax-residency requirements, a sole-name nominated UK account, and a unique UK mobile number. These are account-opening conditions that can stop the referral from becoming a successful registration.
• Check that the chosen product is the referred person’s first successfully opened savings account, is labelled a fixed-rate bond, runs for one year or more, and permits an opening deposit of at least £10,000. Do not assume a six-month bond, notice account or easy-access account qualifies.
• Make sure the £10,000 or more is allocated to one qualifying savings account rather than split across multiple products. The current £100 page states this explicitly; a partial or uncompleted application is not a substitute for a funded qualifying bond.
• Check the live funding deadline, rate, maturity date, withdrawal/closure restrictions, tax treatment and deposit-protection information in the product documents. The general guide describes a typical 60-day funding window, but it is not a promise for every product.
• If any page presents the conflicting £5,000 / six-month wording, obtain written confirmation from Raisin UK that the exact referral registration qualifies for £100 before proceeding. Save that response together with the application and funding evidence.

Raisin referral questions

Sources and verification

Reviewed 12 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.

• Raisin UK referral destination — exact referral link
• Raisin UK — Refer a friend bonus
• Raisin UK Terms and Conditions
• How Raisin UK works
• How to open a savings account with Raisin UK
• Raisin UK fixed-rate bonds