UK Fintech: The Good & Referral Codes

投稿者 Attomo | September 9, 2019

Since we enjoy trying out different FinTech solutions, we created a list solutions, what we liked and referrals which are available.

Revolut

We like Revolut for:

The FX rates: Good spread.

The functionality to auto exchange at a certain rate (limit order): Great for volatile markets (aka Brexit).

Multi-Currency: Great for those who travel a lot.

Virtual Cards: Great for online purchases and issuing cards quickly.

Code: tomohi529!G10D21

Get: £10

https://revolut.com/referral/tomohi529!G10D21

Curve

We like Curve for:

One Card: For those of you who carry a lot of cards (especially if you have a business account).

Quick integration to foreign credit and debit cards: For those who don’t like the FX rates on their foreign credit and debit cards, Curve can integrate to cards in 27 different currencies (Including JPY). It’s a good quick solution for those new to the UK (working holidays, students) and waiting for a bank account to be created or money to be transferred to the bank account.

Go back in Time functionality to move the payment from one card to another: This is super useful if you want to change payments for personal to business expenses.

Code: SDES6

Get: £5

https://curve.page.link/pA9P

Freetrade

We like Freetrade for:

Top up: Easy top up via Google Pay up to £1000.

Access: Access to UK and US shares and ETFs at affordable rates between basic order (£0) and instant order (£1).

Monthly Statement: Provides monthly statement in the app.

Code: Click Link Below

Get: Apparently a free share each, we have yet to try.

https://freetrade.io/freeshare?code=4TJ3RYKTVP&sender=8BTPwSfL

Others:

Transferwise

Code: tomohikon

Get: Free Transfer (single use) up to £500.

N26

Code: tomohikn7644

Get: £10

Without Referral

Starling

Current account interest: 0.5% up to £2,000 and 0.25% above.

Business account: Simple setup and free (compared to £6.50 for Barclays Business)

Integration: Quick easy integration with Xero, Flux.

In this report we went through the good and offers readily available on FinTech solutions.

Monzo

We like Monzo for:

Earning Interest: Quick setup to Interest Rate Savings between 1% to 1.25% by a third party.

Scheduled Payment: A notification a day before for scheduled payments and if there’s enough money to cover for the payment.

FSCS Deposit Protection: Money is fully protected up to £85,000 by the FSCS.

From 11th September Monzo are stopping referrals.

Code: ql4lvfr