YouReferral guide

Checks before using a UK bank referral offer

Use this practical checklist to slow down, verify the source and read the details that can change how an offer applies.

In brief

  • Check the provider’s web address before entering personal information.
  • Read eligibility and required actions before starting an application.
  • If the listing and provider page disagree, pause and use the provider’s current information.

01

1. Check where the link goes

Open the referral link and confirm that it takes you to the provider’s site or the provider page described by the listing. A familiar-looking page is not enough on its own; check the address and the surrounding information.

If the page does not load, looks different from the listing, or asks you to take an unexpected route, stop and find the provider’s current information before continuing.

02

2. Read the current offer wording

Look for the provider’s explanation of the offer, including how it describes eligibility, any required actions and how the referral is recorded. Keep the wording in context instead of relying on a short headline.

The directory can help you find and compare links, but it cannot confirm whether the current provider wording has changed since a listing was added. The live provider page should be your reference point.

03

3. Check the steps before you start

Before completing an application, make a short note of the steps the provider says are needed. This helps you distinguish between reading about an offer and actually following the process described by the provider.

Do not fill in gaps with assumptions. If the provider does not make a step clear, look for further information from the provider or choose not to continue until you are comfortable with what is expected.

04

4. Keep your decision separate from the reward

A referral reward should not be the only reason to choose a financial product or account. Consider whether the provider and product suit what you are looking for, then treat the referral as one part of the information you review.

No directory can tell you what is right for your circumstances. You remain responsible for reading the provider’s current terms and deciding whether to proceed.

05

5. Leave if the information does not line up

If the directory wording, referral page and current provider terms do not appear to match, do not try to reconcile them by guessing. Use the provider’s current information, and contact the provider if you need clarification.

This is a simple safety habit: verify first, apply second. For a quick starting point, return to the directory’s listed offers and compare the provider links again.

Provider reference pages

These are general provider information pages, not confirmation of the reward wording in this directory. For a specific offer, use its listed provider referral link and read the current terms there.