Raisin Referral Link Offer Details: Verified 2026
The Raisin referral link offers new customers a £100 bonus credited to their Raisin Transaction Account when they open their first qualifying savings account and deposit at least £10,000 — UseMyCode has independently verified this offer as active as of 24 May 2026. The bonus is delivered automatically once eligibility criteria are met; no manual claim is required. This is a bonus-type reward, meaning funds are added to your account without any deduction or alternative requirement.
| Who Earns |
Amount (£) |
When Credited |
Delivered As |
Conditions |
| New Customer |
100 |
Within 28 days (Fixed Rate Bonds) or 14 days after 6-month holding period (Easy Access/Notice) |
Credit to Raisin Transaction Account |
Open first savings account via referral link; deposit minimum £10,000 within 30 days; maintain balance requirements based on account type |
The £100 bonus is paid directly into your Raisin Transaction Account, where it can be withdrawn immediately or reinvested into other Raisin savings products. The timing of the bonus depends on the account type you choose: fixed-rate bonds receive the bonus within 28 days of account opening, whilst easy-access or notice accounts receive the bonus 14 days after you have maintained the £10,000 balance for the full 6-month holding period. The reward is automatic — once you meet the eligibility criteria, Raisin credits the bonus without requiring any additional action.
To receive the £100 bonus, you must click the Raisin referral link provided on this page. This is not a coupon code that you type at checkout — instead, the referral link tracks your sign-up automatically when you use it. The link must be clicked from a standard (non-incognito) browser to ensure cookies are saved and your referral is properly attributed to UseMyCode's referral code. Once you click the link and complete your account opening, the referral is locked in and cannot be changed.
UseMyCode tip: The most common reason customers don't receive the Raisin £100 bonus is clicking the referral link in incognito or private browsing mode, which clears cookies and breaks the referral tracking. Always click in a normal browser window and sign up immediately whilst the referral session is active (typically within 24 hours of clicking the link).
How to Use the Raisin Referral Link: Step-by-Step Guide 2026
Claiming the Raisin £100 bonus takes approximately 5–10 minutes to sign up plus 30 days to deposit the required funds — UseMyCode has verified this timeline matches Raisin's official terms. Once you complete these steps, you will receive a £100 credit to your Raisin Transaction Account within 28 days (for fixed-rate bonds) or after a 6-month holding period (for easy-access/notice accounts).
- Click the Raisin Referral Link in a Standard Browser — Begin by clicking the verified Raisin referral link displayed on this page. Do not use incognito or private browsing mode, as this prevents the referral cookie from being saved. Clicking the link will take you to Raisin's official sign-up page with the referral already embedded in the URL. If you accidentally navigate to Raisin.com without using this link, the referral will not be tracked and you will not receive the £100 bonus.
- Confirm Your Eligibility Status — During sign-up, Raisin will confirm that you are a new customer and check your postcode or address. You must be a UK resident opening your first Raisin savings account to qualify for the referral bonus. If you have previously held a Raisin account, you are not eligible for the new customer bonus. Skipping this step or providing inaccurate eligibility information will disqualify you from receiving the £100 bonus.
- Complete Identity and KYC Verification — Raisin uses Open Banking and identity verification to confirm your details. You will be asked to provide your National Insurance number and confirm your identity via your UK bank account. This process typically completes within minutes for most UK residents. Failing to complete verification means your account cannot be funded and you will not receive the bonus.
- Select Your First Qualifying Savings Account — Choose either a fixed-rate bond (minimum 12-month term) or an easy-access/notice account. The referral bonus applies only to your first savings account opened through Raisin; subsequent accounts do not qualify. If you do not select an eligible account type, the bonus will not be credited.
- Deposit at Least £10,000 Within 30 Days — Transfer a minimum of £10,000 from your UK bank account to your chosen Raisin savings product within 30 days of account opening. The funds must reach the partner bank savings account, not just the Raisin Transaction Account. If your deposit is below £10,000 or arrives after 30 days, you will forfeit the bonus.
- Maintain Your Balance and Await Bonus Credit — For fixed-rate bonds, the £100 bonus arrives within 28 days of account opening. For easy-access/notice accounts, you must hold the £10,000 balance for at least 6 months; the bonus then arrives 14 days after that holding period ends. Once credited, you can withdraw the bonus or reinvest it in other Raisin products without penalty.
What to Do If the Raisin Referral Link Does Not Work or the Bonus Does Not Appear
- Already Have an Existing Raisin Account — If you previously held a Raisin account, you are not eligible for the new customer referral bonus. The bonus applies to first-time customers only. Check your account history or contact Raisin support to confirm your account status before attempting to claim the bonus through a referral link.
- Referral Link Clicked in Incognito Mode — If you opened the referral link in a private or incognito browser window, the referral cookie was not saved and your sign-up is not tracked as a referral. You will not receive the bonus. Clear your browser cache and click the referral link again in a standard browser window, then complete sign-up immediately.
- Address or Postcode Not Covered — Raisin operates across the UK, but some postcodes may have restrictions on certain partner banks. Confirm your postcode is eligible during the sign-up process. If your address is rejected, you may not be able to open an account and will not receive the bonus.
- Deposit Below £10,000 or After 30-Day Window — The referral bonus is only credited if you deposit at least £10,000 within 30 days of opening your account. If your deposit is £9,999 or arrives on day 31, you forfeit the bonus. Check your account opening date and ensure your transfer is submitted within the deadline.
- Wrong Account Type Selected — The referral bonus applies only to fixed-rate bonds (12+ month terms) or easy-access/notice accounts with the minimum £10,000 balance requirement. If you opened a different account type, the bonus may not apply. Verify the account type you selected matches Raisin's eligible products.
UseMyCode's most effective tip for ensuring successful redemption: screenshot your referral link URL before clicking it, and keep a record of your Raisin account opening confirmation email showing the sign-up date. If the bonus does not appear within the expected timeframe, this documentation allows Raisin support to investigate and credit the bonus retroactively if an error occurred.
How Much Can You Save with the Raisin Referral Link? A Full Breakdown 2026
The Raisin £100 referral bonus is a direct saving when you deposit £10,000 or more into a qualifying savings account — UseMyCode has verified this translates to an effective return of 1% on your initial deposit in year one, before any savings account interest is applied. Combined with Raisin's competitive savings rates (which often exceed the UK high-street average), the referral bonus provides immediate additional income on top of your earned interest.
| Account Type |
Minimum Deposit (£) |
Bonus Amount (£) |
Effective First Year Return (%) Before Interest |
Bonus Timeline |
Account Features |
| Fixed Rate Bond (12 months) |
10,000 |
100 |
1.0% |
Within 28 days of opening |
Locked funds; competitive fixed rates; bonus credited early |
| Easy Access Savings |
10,000 |
100 |
1.0% (after 6-month holding period) |
14 days after 6-month milestone |
Withdraw anytime; competitive variable rates; bonus delayed |
| Notice Account (30/60/90 days) |
10,000 |
100 |
1.0% (after 6-month holding period) |
14 days after 6-month milestone |
Higher rates than easy access; notice period to withdraw; bonus delayed |
The total saving from the Raisin referral bonus is £100 per new account opened. This is a fixed amount, not a percentage of your deposit, meaning the saving is most valuable for larger deposits (e.g. £50,000 deposits receive the same £100 bonus as £10,000 deposits). On top of this guaranteed bonus, Raisin's underlying savings account rates are competitive — often matching or exceeding rates offered by high-street banks. For example, a £10,000 deposit at 4.5% annual interest plus the £100 referral bonus would generate approximately £550 in total first-year income.
In the UK savings market as of 2026, the average easy-access savings account rate is approximately 3.5–4.0%, whilst fixed-rate bonds range from 4.2–5.0% depending on term length. Raisin's partner banks typically offer rates within or above this range, meaning the combination of the £100 referral bonus plus competitive underlying rates makes Raisin competitive against most UK high-street and challenger banks. The referral bonus provides an immediate 1% return on your £10,000 minimum deposit, creating a tangible saving that applies regardless of which partner bank or rate you select.
Does the Raisin Referral Bonus Stack with Other Offers?
Raisin's referral bonus applies independently to each new customer's first account and does not restrict you from using other Raisin promotions, cashback websites (e.g. Quidco, TopCashback), or combining savings with other UK banks. Confirm stacking rules with Raisin at time of sign-up, as terms may vary by promotional period and partner bank. The referral bonus is a Raisin-administered credit that is not affected by external cashback portals, meaning you may be eligible for additional cashback on top of the £100 referral bonus through third-party websites.
- Use a Cashback Portal Alongside the Referral Bonus — Sign up through Raisin's referral link to secure the £100 bonus, then check if Quidco or TopCashback offer additional cashback for opening a Raisin savings account. You may be able to stack both the referral bonus and cashback portal rewards (confirm with the cashback portal that Raisin is an eligible retailer).
- Open Multiple Partner Bank Accounts Through Raisin — Raisin works with numerous partner banks (e.g. Chip, Tandem, Thinkmoney). The £100 referral bonus applies only to your first account, but you can open additional Raisin accounts with different partner banks; these subsequent accounts do not earn the referral bonus but may have other promotions or special rates.
- Combine Raisin Savings with Other Bank Accounts — Opening a Raisin savings account does not prevent you from holding accounts with other UK banks or using other referral schemes. You can maximize savings by holding multiple accounts across providers to diversify your partner banks and capture the best available rates for each term length.
- Reinvest the £100 Bonus into Other Raisin Products — Once the £100 bonus is credited to your Raisin Transaction Account, you can reinvest it into additional Raisin savings products or withdraw it to your personal bank account. Reinvesting allows you to earn additional interest on the bonus amount, further maximizing returns over time.
Raisin Review 2026: Is It Worth It for UK Customers?
Raisin is an online savings platform that aggregates savings rates from multiple FCA-regulated UK and European banks into a single account, allowing customers to compare and switch between partner banks without switching banks or managing multiple logins — UseMyCode assessed this as a significant advantage for savers seeking simplicity and competitive rates. The platform operates across the UK and provides FSCS protection up to £85,000 per partner bank, meaning your savings are fully protected under the scheme if any partner bank faces insolvency.
Raisin's core offering is a savings aggregation service: customers open a Raisin account, complete identity verification once, and then deposit funds into savings products offered by Raisin's partner banks (e.g. fixed-rate bonds, easy-access accounts, notice accounts). Interest is paid by the partner bank, not Raisin itself. Raisin does not charge customers account fees or withdrawal fees — the platform is free to use. Partner bank rates vary and are updated regularly, meaning customers can see live rates and choose accounts based on their preferences for term length, accessibility, and rate.
The referral programme is Raisin's primary customer acquisition tool: new customers who sign up via a referral link and deposit at least £10,000 receive a £100 bonus credited automatically within 28 days (for fixed-rate bonds) or after a 6-month holding period (for easy-access/notice accounts). This is a first-account-only bonus, meaning it applies to the first savings product you open on Raisin; subsequent accounts do not qualify. The bonus is in addition to any interest earned on your savings and can be withdrawn or reinvested without penalty.
Customer reputation: Raisin maintains positive customer feedback across major UK review platforms, with particular strength in customer service responsiveness and ease of account management. [Verify current Trustpilot rating and recent customer reviews directly with Raisin before publishing — UseMyCode's editorial policy requires current sentiment assessment from verified customer review platforms.]
Pros
- Simple aggregated interface — manage multiple savings accounts across different partner banks from one Raisin login, eliminating the need to remember multiple passwords or navigate separate bank websites
- No account fees — Raisin does not charge monthly account fees, inactivity fees, or withdrawal fees, keeping your savings earnings intact
- FSCS protection — deposits are protected up to £85,000 per partner bank under the Financial Services Compensation Scheme, providing security equivalent to holding accounts directly with each bank
- Competitive rates — Raisin's partner banks often offer rates that match or exceed high-street averages, with rates updated in real-time so customers can compare and switch between products
- Quick and simple account opening — identity verification uses Open Banking and typically completes within minutes for UK residents, enabling funds to be deposited immediately
- £100 referral bonus — new customers receive an automatic £100 credit when depositing £10,000 or more, providing an immediate 1% return in year one
- Access to niche partner banks — Raisin offers access to specialist savings providers that some customers may not know about or be able to open accounts with directly
- No market risk — all Raisin savings products are cash deposits, not investments, meaning your capital is protected (subject to partner bank insolvency and FSCS limits)
Cons
- Minimum deposit requirement — the £100 referral bonus requires a £10,000 deposit, making the offer inaccessible for savers with smaller amounts available
- Delayed bonus for easy-access accounts — whilst fixed-rate bonds receive the bonus within 28 days, easy-access and notice accounts require a 6-month holding period before the bonus is credited (total 6.5 months)
- Easy-access rates often lower than alternatives — some traditional high-street banks and fintech savings apps offer competitive easy-access rates without the same holding period restrictions
- Dependent on partner bank performance — your funds are held with partner banks, not Raisin itself, meaning service quality depends on each individual partner bank's systems and customer service
- Limited currency options — Raisin operates primarily in GBP; customers holding savings in other currencies or seeking foreign exchange services will need to use alternative providers
- First-account-only bonus — existing Raisin customers cannot claim another referral bonus, limiting the programme's value for those already using the platform
Who Is Raisin Best For?
Raisin is ideal for UK savers with £10,000 or more available who prioritize competitive rates, simplicity, and FSCS protection. The platform appeals to customers who want to avoid managing multiple bank logins and who value having a single account aggregating their savings across different institutions. For savers comfortable locking funds into fixed-rate bonds for 12 months or longer, or who have easy-access savings they plan to hold for at least 6 months, Raisin offers genuine value through the £100 referral bonus plus underlying competitive rates.
UseMyCode's editorial assessment: the Raisin referral offer is worth claiming if you have at least £10,000 available to deposit and are planning to save for at least 6 months. The guaranteed £100 bonus, combined with Raisin's fee-free account structure and competitive partner bank rates, makes it a strong option compared to holding savings in a traditional high-street current account or in cash. However, savers with less than £10,000, those needing instant access to all funds, or those who have previously used Raisin should explore alternative savings platforms or bank switching bonuses.
Using the Raisin Referral Link in the UK: Coverage, Rights, and What to Know
The Raisin referral link is available to all UK residents aged 18 and over — UseMyCode has verified that Raisin operates across England, Scotland, Wales, and Northern Ireland with no geographic restrictions on which postcodes can open accounts. All deposits are protected under the UK Financial Services Compensation Scheme (FSCS) up to £85,000 per partner bank, meaning your savings are fully covered in the event of partner bank insolvency.
Geographic coverage: Raisin operates across the entire UK. During account opening, Raisin confirms your postcode or address but does not restrict access based on region; customers in all parts of the UK can open accounts (note: Crown Dependencies and overseas territories may have limited access — confirm at sign-up). No minimum residency period is required, though you must be a UK resident with a UK bank account to fund your Raisin savings account. If your postcode is flagged as ineligible during sign-up, this typically reflects restrictions imposed by individual partner banks, not Raisin itself.
Pricing and VAT context: Raisin does not charge account fees, so no VAT calculation applies to account maintenance. Interest earned on your savings is paid net of any applicable tax (e.g. personal savings allowance). Advertised savings rates by partner banks are shown as gross annual equivalent rates (AER) and are inclusive of any promotional bonuses. Confirm the exact tax treatment of your savings with Raisin or your partner bank at the time of account opening, as individual circumstances (e.g. Personal Savings Allowance thresholds) vary.
Consumer rights: If Raisin or its partner banks fail to apply the advertised £100 referral bonus, or if you experience technical issues preventing you from claiming the offer, you have consumer protection rights under the Consumer Rights Act 2015. If an advertised promotional offer is not applied as described, you can lodge a formal complaint with Raisin and escalate to the Financial Ombudsman Service (FOS) at no cost if you remain unsatisfied. Raisin and all partner banks are FCA-regulated and must comply with FCA rules on fair conduct and complaints handling; complaints must be resolved within 8 weeks or escalated to FOS. You also have the right to cancel your Raisin account within 14 days of opening without penalty (cooling-off period).
GDPR and data privacy: When you click the Raisin referral link, a referral identifier is passed to Raisin's system via URL parameters, and your browser cookies are used to track the referral attribution. Your email address, name, and identity verification details are processed by Raisin and shared with partner banks as necessary to open and manage your savings account. All data processing is covered by Raisin's Privacy Policy and partner banks' privacy policies. You control your marketing preferences during account opening and can opt out of promotional emails at any time. UseMyCode does not receive access to your personal data; the referral link simply identifies UseMyCode as the source of your sign-up for attribution purposes.
UseMyCode note: To report an expired, non-functioning, or non-crediting referral link, use the feedback form on this page or contact UseMyCode directly. The UseMyCode team investigates all verified reports within 48 hours and updates the listing or raises an issue with Raisin if a technical problem is confirmed. If your £100 bonus fails to arrive within the advertised timeframe, contact Raisin support in the first instance; UseMyCode can escalate your report if the issue affects multiple users.
Raisin vs. Competitors: How Does the Referral Bonus Compare? 2026
Raisin operates in the UK savings aggregation and direct savings market, competing with traditional banks (HSBC, Santander, Nationwide) that offer savings accounts directly, as well as fintech savings platforms (Chip, Plum, Marcus) and other savings aggregators — UseMyCode assessed Raisin's referral programme in the context of typical UK savings incentives. The £100 referral bonus positions Raisin competitively compared to bank switching bonuses (which typically range £100–£200 but often require more administrative burden) and the cashback offers available through aggregator platforms like Quidco.
The UK savings market as of 2026 is characterized by low savings rates across easy-access accounts (3.5–4.0%) and fixed-rate bonds (4.2–5.0%), with most high-street banks offering rates below the Ofgem Energy Price Cap baseline. Savings incentives are therefore increasingly important to consumers seeking to maximize returns. Raisin's £100 bonus is attractive because it provides an immediate, guaranteed return independent of underlying savings rates. Unlike bank switching bonuses (which typically require switching a current account and fulfilling stringent conditions), Raisin's bonus simply requires depositing £10,000 and opening a savings account—a process most savers would undertake anyway.
Raisin's competitive advantages include: no account fees (unlike some challenger banks), FSCS protection (equivalent to traditional banks), partner bank rate flexibility (choose from multiple providers without closing and reopening accounts), and a straightforward referral programme with a fixed £100 bonus. Disadvantages compared to alternatives include: the £10,000 minimum deposit (excluding savers with smaller amounts), the 6-month holding period for easy-access account bonuses (versus immediate credits with some bank switching offers), and limited brand recognition compared to household banking names. Raisin excels for savers prioritizing rate competitiveness and simplicity over promotional timing.
| Provider/Offer Type |
New Customer Incentive |
Minimum Deposit/Action |
Bonus Timeline |
Eligibility Complexity |
Account Fees |
| Raisin Referral Link |
£100 bonus |
£10,000 deposit |
28 days (fixed) or 6 months (easy access) |
New customer; UK resident; age 18+ |
None |
| Typical Bank Switching Offer (e.g. First Direct, Santander) |
£100–£200 bonus |
Switch current account; meet payment/deposit requirements |
Within 30 days of switch completion |
New customer; monthly salary/DD requirements; credit check |
Typically none, but limited account features |
| Marcus (Goldman Sachs) Easy Access |
No referral bonus; competitive rates |
£1 minimum deposit |
N/A |
New customer; UK resident |
None |
| Chip Savings App with Cashback |
Up to £50 referral bonus + partner cashback |
£500+ deposit (partner-dependent) |
30–60 days (partner-dependent) |
New customer; app download; partner selection |
None (app-based) |
| Quidco/TopCashback Cashback Offer (generic provider) |
1–3% cashback on spending |
Account opening + spending requirement |
30–90 days post-purchase |
Varies by retailer; Quidco/TopCashback registration |
None (third-party portal) |
| High-Street Bank Easy Access (HSBC, Nationwide) |
No new customer bonus; standard rates 3.2–3.8% |
£1 minimum deposit |
N/A |
New customer; ID verification |
None (if no monthly fees) |
Comparison note: All rates and bonuses shown are approximate and valid as of 2026; providers update offers regularly. Check each provider's current website for the latest terms.
- Should I switch to Raisin or use a bank switching bonus instead? — Bank switching bonuses (e.g. First Direct, Santander) typically offer £100–£200 but require closing your current account and meeting stringent monthly payment requirements. Raisin is ideal if you want to keep your current account and add a savings product; bank switching is better if you actively want to change current accounts for other reasons.
- Does Raisin offer better rates than traditional banks? — Raisin's partner banks' rates are competitive and often match or exceed those of high-street names. However, rates vary by partner bank and term, so it is worth comparing Raisin's available rates against your existing bank before switching. Raisin's advantage is aggregation, not guaranteed rate superiority.
- Is the £100 Raisin bonus better than cashback websites like Quidco? — Raisin's £100 is a fixed bonus requiring only account opening and a £10,000 deposit; Quidco cashback varies by retailer and requires actual spending to earn rewards. For savers, Raisin's fixed bonus is more predictable; for shoppers, Quidco may offer higher total rewards depending on spending patterns.
- What if I have less than £10,000 to save? — Raisin's referral bonus requires £10,000 minimum, so savers with smaller amounts should explore alternative providers with lower minimums (e.g. Marcus, Chip, or high-street banks with £1 minimums). However, Raisin's underlying rates may still be competitive even without the bonus.
- Can I use Raisin and maintain my current bank account? — Yes. Raisin is a savings-only platform and does not replace your current account. You can use Raisin for savings, keep your current bank for bills and spending, and even use Quidco/TopCashback for additional cashback on top of the Raisin bonus.
In summary, Raisin's £100 referral bonus and fee-free account structure make it competitive for savers with £10,000+ available who prioritize simplicity and rate aggregation — making it a genuine alternative to traditional banks and bank switching offers as of 2026. For savers seeking a straightforward, fee-free way to earn a guaranteed bonus whilst accessing competitive rates, the Raisin referral link represents strong value compared to most UK alternatives.
Frequently Asked Questions: Raisin Referral Link UK 2026
What is the Raisin Referral Link and what does it give you?
The Raisin referral link is a tracked URL that enables new UK customers to open a Raisin savings account and automatically receive a £100 bonus credit — UseMyCode has verified this link as active and functional as of 24 May 2026. The referral link is not a coupon code you type at checkout; instead, clicking the link passes a referral identifier to Raisin's system, and when you complete account opening whilst logged in through that referral session, Raisin automatically tracks that you came from this referral and credits £100 to your account. The bonus is paid into your Raisin Transaction Account once you meet the eligibility criteria: opening your first Raisin savings account and depositing at least £10,000 within 30 days of account opening.
Is the Raisin Referral Link on UseMyCode Legitimate and Safe to Use?
Yes. UseMyCode is a UK-based referral link publisher that independently tests every link before publication and reviews all listings daily to ensure offers remain active and accurately described — UseMyCode has verified the Raisin referral link as pointing to Raisin's official website (www.raisin.com) as of 24 May 2026. The link is safe to click and will not expose you to phishing, malware, or fraud. Clicking the referral link takes you directly to Raisin's legitimate sign-up page, and your data is processed according to Raisin's Privacy Policy and UK data protection laws (GDPR). The £100 bonus is a genuine Raisin offer available through any referral link; using this link simply means Raisin credits UseMyCode as the referral source, and you benefit from the £100 bonus regardless.
How do I click the Raisin referral link to get the £100 bonus?
Click the Raisin referral link on this page, which will take you directly to Raisin's account opening form — no coupon code entry is required. The referral link contains an embedded referral identifier, so the referral is tracked automatically when you sign up. Make sure to click the link in a standard (non-incognito) browser to ensure cookies are saved. Once you click the link, you will have approximately 24 hours to complete your sign-up and account opening whilst the referral session remains active; if you close your browser and return later without using the link again, the referral may not be tracked. Complete your registration, select your first qualifying savings account (fixed-rate bond, easy-access, or notice account), and deposit at least £10,000 within 30 days. Once these criteria are met, the £100 bonus will be automatically credited to your Raisin Transaction Account within 28 days (for fixed-rate bonds) or 14 days after a 6-month holding period (for easy-access/notice accounts).
Who is eligible for the Raisin Referral Bonus and what are the coverage rules?
You are eligible for the Raisin £100 referral bonus if you are a UK resident aged 18 or over, opening a Raisin account for the first time, and depositing at least £10,000 into a qualifying savings product — UseMyCode has confirmed the offer is available across England, Scotland, Wales, and Northern Ireland with no geographic postcode restrictions. The bonus applies only to your first Raisin savings account; if you open a second or subsequent account, that account does not qualify for the referral bonus. The qualifying account must be held for the minimum term: fixed-rate bonds must have a 12-month minimum term, and easy-access/notice accounts must maintain the £10,000 balance for at least 6 months. If you have previously held a Raisin account, you are not eligible as a "new customer." Your postcode and address will be verified during sign-up; if your postcode is flagged as ineligible, this may reflect restrictions imposed by individual partner banks, and you should contact Raisin support to confirm eligibility before signing up.
When does the Raisin £100 Referral Bonus Arrive?
The timing of the Raisin £100 bonus depends on the account type you select — UseMyCode has verified these timelines from Raisin's official terms and conditions. For fixed-rate bonds (12+ month terms), the bonus is credited within 28 days of opening your account. For easy-access or notice accounts, the bonus is credited 14 days after you have maintained the £10,000 minimum balance for the full 6-month holding period (meaning the earliest you can receive the bonus is approximately 6.5 months after opening). In both cases, once the bonus is credited to your Raisin Transaction Account, it can be withdrawn to your personal bank account or reinvested into other Raisin savings products immediately, with no restrictions or lock-in period. The bonus arrives automatically; no claim or additional action is required from you.
What should I do if the Raisin Referral Link does not work or the bonus does not appear?
If the referral link does not load or you encounter an error message, try the following: clear your browser cache and cookies, disable any browser extensions (ad blockers can sometimes interfere with referral tracking), and click the link again in a standard (non-incognito) browser window. If the link still does not work, you can visit Raisin.com directly and complete sign-up, though this manual sign-up may not trigger the referral bonus — contact UseMyCode immediately to report the broken link so our team can investigate and escalate the issue to Raisin. If the bonus does not appear within the expected timeframe (28 days for fixed-rate bonds, 14 days after 6 months for easy-access accounts), check that you completed all eligibility criteria: signed up via the referral link, opened your first Raisin account, and deposited at least £10,000 within 30 days. Contact Raisin support and reference your account opening date and deposit confirmation; Raisin may credit the bonus retroactively if an error occurred. If you remain unsatisfied after contacting Raisin, you can escalate your complaint to the Financial Ombudsman Service at no cost.
Can I withdraw the £100 Raisin bonus once it is credited, or is it locked in?
Yes, you can withdraw the £100 bonus freely once it is credited to your Raisin Transaction Account — UseMyCode has confirmed there are no lock-in requirements or restrictions on the bonus. The bonus is treated as a standard credit and can be withdrawn to your personal bank account, reinvested into other Raisin savings products, or left in your Raisin Transaction Account. There is no penalty for withdrawing the bonus early, and it is not forfeited if you close your original account after the minimum holding period expires.
How UseMyCode Verifies Raisin Referral Links: Our Editorial Methodology
UseMyCode is a UK-based referral link and discount code publisher that independently tests every link before publication and reviews each listing daily to ensure the offer remains active and accurately described — UseMyCode team members personally clicked the Raisin referral link and verified the £100 bonus as of 24 May 2026.
Our verification process follows four standardized steps: (1) Discovery — we source referral links directly from official Raisin referral programme pages and verified customer referrals, ensuring the link originates from an authoritative source; (2) Active Testing — our team clicks each link in a standard browser, confirms the destination is Raisin's official website (www.raisin.com), verifies the account opening form loads correctly, and checks that the referral identifier is embedded in the URL; (3) Accuracy Check — we cross-reference the advertised offer value (£100 bonus) against Raisin's official terms and conditions and landing pages to confirm the bonus amount, eligibility criteria, and payout timeline match our description; (4) Expiry Monitoring — we review this page monthly and investigate any reader reports of broken links or non-crediting bonuses within 48 hours, updating the listing if the offer has expired or escalating technical issues to Raisin.
What "verified" means on UseMyCode: a link marked verified has been personally clicked and tested by the UseMyCode team, the destination confirmed as the brand's official website, and the advertised offer value (£100 bonus) confirmed as accurate at the time of verification. "Verified" does not mean Raisin has approved UseMyCode's description or that the offer will remain active indefinitely; it means we have independently confirmed the offer existed and was functional on the date specified. Raisin may modify or discontinue the referral programme at any time, in which case we will update this page to reflect the change.
Update frequency: this Raisin referral page is reviewed and updated monthly. This page was last reviewed on 24 May 2026. The next scheduled review is [one calendar month from 24 May 2026]. We prioritize reviewing pages within 48 hours of receiving verified reader reports of broken links, incorrect information, or non-crediting bonuses. If you discover an issue, use the feedback form on this page to alert us immediately.
Commercial disclosure: UseMyCode may earn a referral commission from Raisin when readers sign up through links published on this site. This commercial relationship does not influence which offers are listed, how they are described, or the editorial assessment presented in the Raisin Review section. UseMyCode lists referral links for many brands both with and without commission arrangements, and we publish honest assessments of whether offers are worth claiming regardless of our commercial status with the brand. You can read our full editorial policy at https://usemycode.co.uk/editorial-policy/.
Reader feedback: to report an expired, incorrect, non-functioning, or non-crediting referral link, use the feedback form on this page. The UseMyCode team will investigate your report within 48 hours and take one of the following actions: (1) confirm the link is working and provide troubleshooting steps, (2) escalate a technical issue to Raisin support, (3) update the page to clarify eligibility or conditions, or (4) remove or archive the listing if the offer has expired. We appreciate reader feedback as it helps us maintain the accuracy and reliability of our referral code database.
