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Referral Discount
£ 100
bonus
When will You Receive It?
on completion of first order
Referral Code / Link
Follow the link: https://www.raisin.com/en-gb/referral/?raf=89be4fb03e911f21378facc163351ec0d4ad902c&utm_source=transactional&utm_campaign=mandrill_customer-referral
or click on button below
Last verified on 1 January 2026
Raisin Referral Discount Code: Get a £100 Welcome Bonus (January 2026)
Looking to earn a £100 cash bonus while opening a high-interest savings account? The Raisin referral offer lets new customers earn £100 when they open their first qualifying savings account through a referral link and deposit £10,000 or more.
This page explains exactly how the Raisin referral bonus works, who is eligible, how long it takes to receive the reward, and whether it’s worth it.
How to Claim the Raisin £100 Bonus?
To claim the £100 Raisin referral bonus in January 2026, you must:
- Sign up using a valid Raisin referral link
- Be a new Raisin customer
- Open your first savings account via the platform
- Deposit at least £10,000 into one qualifying savings product
Qualifying Account Requirements
- Fixed Rate Bonds: Minimum term of 12 months
- Easy Access or Notice Accounts: Maintain a £10,000 balance for at least 6 months
Bonus Payout Timing
- Fixed Rate Bonds: Bonus paid within 28 days of account opening
- Easy Access / Notice Accounts: Bonus paid 14 days after completing the 6-month holding period
Once credited, the £100 bonus is paid into your Raisin Transaction Account and can be withdrawn freely.
Important: The referral bonus only applies to the first savings account you open on Raisin.
What Is Raisin?
Raisin is an online savings platform that gives UK customers access to competitive savings rates from multiple UK and European banks, all managed through one account.
- Deposits are typically FSCS-protected up to £85,000 per bank
- Raisin itself does not lend or invest your money
- You choose where your savings are placed
How to Apply the Raisin Referral Bonus (Step-by-Step)
Step 1: Use a Verified Raisin Referral Link
Click a valid Raisin referral link to access the official registration page.
No manual promo code is required—the referral tracks automatically.
Step 2: Complete Identity & KYC Verification
You’ll need:
- National Insurance number
- UK ID
Raisin’s Open Banking verification usually completes within minutes for most UK residents.
Step 3: Deposit the £10,000 Minimum
Transfer at least £10,000 within 30 days of opening your account.
Crucial: The funds must reach the partner bank savings account, not just the Raisin Transaction Account, to qualify for the bonus.
Who Is the Raisin £100 Bonus Best For?
This referral offer is ideal for:
- UK savers with £10,000+ available
- People seeking FSCS-protected cash savings
- Savers comfortable locking funds for 6–12 months
- Anyone comparing Raisin to traditional high-street banks
Not Ideal If:
- You need instant access to your money
- You plan to deposit less than £10,000
- You’ve used Raisin before (bonus is new customers only)
Is the Raisin £100 Referral Bonus Worth It?
For savers depositing £10,000 or more, the £100 bonus effectively adds:
- +1% extra return in year one, before interest
- On top of already competitive savings rates
- With no market risk (cash savings only)
Raisin vs Bank Switching Bonuses
| Feature | Raisin Referral | Bank Switching |
|---|---|---|
| Bonus Size | £100 | £150–£200 |
| Deposit Required | £10,000 | None |
| Risk | None | None |
| Effort | Low | Medium–High |
| Account Type | Savings | Current Account |
If you already have savings sitting idle, Raisin’s offer is often simpler and more predictable than switching banks.
How Long Does It Take to Receive the £100 Bonus?
- Fixed Rate Bonds: Up to 28 days
- Easy Access / Notice Accounts: 14 days after the 6-month holding period
- Bonus appears automatically—no claim required
You’ll see the bonus credited to your Raisin Transaction Account.
Common Reasons People Don’t Receive the Bonus
- Deposit was below £10,000
- Funds were not transferred within 30 days
- Account was not the first savings product
- Balance dropped below £10,000 too early
- Sign-up was not completed via a referral link
Is Raisin Safe?
Yes. Raisin works with FCA-regulated partner banks, and eligible deposits are protected under the Financial Services Compensation Scheme (FSCS), typically up to £85,000 per bank.
Frequently Asked Questions (2026)
Can I withdraw my £100 bonus?
Yes. Once credited, the bonus can be withdrawn or reinvested.
Can I open multiple accounts to get multiple bonuses?
No. The referral bonus applies only to your first savings account.
Does Raisin charge fees?
No. Raisin does not charge customers for opening or managing savings accounts.
Final Thoughts: Should You Use the Raisin Referral Code?
If you have £10,000 or more and want a low-risk way to earn an extra £100, the Raisin referral bonus is one of the best UK savings incentives available in January 2026.
