How to make £1,000 in January 2026
I have been sharing my experience on making extra income over the last 5 years and am keen to help you to do the same with as little effort as possible.
January is always a tight month for many, following an expensive festive period and a long stretch until the payday at the end of the month. As such, here is how you can make £1,000 in January 2026; some of this income will be received in the month itself, whilst others will pay out slightly further down the line.
£20 from TopCashback
If you do not have a TopCashback account, open one through my referral link and get a £20 bonus when you reach £10 of confirmed cashback, which the below offers should count towards!
TopCashback - Earn £10 of confirmed cashback and get a £20 bonus - tap for details
Up to £420 from Santander (& Friends)
There is a lot of cash available from Santander at the moment, enhanced greatly by the offers available with TopCashback. Here’s the offers that make this up:
Santander Current Account - Switch to Santander as a new customer for £220 - tap for details
Santander Savings Accounts - Open up to 6 savings accounts for £25 each (max £150) - tap for details
Cahoot Savings Accounts - Open up to 2 savings accounts for £25 each (max £50) - tap for details
Up to £225 from First Direct
This is another bank switching offer that is well worth doing through TopCashback. At the time of writing you can get £50 from them + £175 from FirstDirect when you switch your current account to them and meet the criteria.
FirstDirect Current Account - Switch to FirstDirect as a new customer for up to £225 - tap for details
£175 - £350 from Nationwide
Nationwide are offering a bank switching offer as well, but no additional cashback available in this instance. However, you can get their £175 switching bonus twice; once for an individual account and once for a joint account. If you are in a couple and neither of you have banked with them before you could get £525
Nationwide Current Account - Switch to Nationwide as a new customer for £175 - tap for details
£20 from Quidco
Quidco is another cashback website which is offering a £20 bonus for new customers once they reach £5 worth of confirmed cashback.
Quidco - Earn £5 of confirmed cashback and receive a £20 bonus - tap for details
£25 from Rakuten
Rakuten is another cashback website which offers a huge £25 cashback bonus when you spend £60+ online through any of their retailers (there are 1,000s) in a single transaction.
Rakuten - Get £25 when you spend £60+ online - tap for details
£50 from Mettle by NatWest
If you have a small business, side hustle or sole trade, open a current account with Mettle and get £50 for doing so.
Mettle - Open a Mettle business account as a new customer for £50 - tap for details
£5 - £20 from Monzo
Open a current account with Monzo through my referral link and use your debit card once to get a free bonus of £5, £10 or £20.
Monzo - Open a Monzo account as a new customer for £5, £10 or £20 - tap for details
£5 from Cheddar cashback app
Cheddar is a cashback app that pays you cashback when you purchase gift cards for the largest retail stores in the UK including all major supermarkets. Get an instant £5 cash bonus + cashback when you download the app with my code and purchase a gift card
Cheddar - Download Cheddar with my code and purchase a gift card - get £5 cash - tap for details
Trading 212 - Free Share worth up to £100 (AD)
Trading 212 is a commission-free investing app that is offering new customers a free share worth up to £100 when they open a Trading 212 invest account via my referral link and deposit £1 or more. Capital is at risk when investing.
Trading 212 - Free Share worth up to £100 when you open an account - tap for details
Robinhood - Free Share worth up to $175
Robinhood is another commission-free investing app that is offering new customers a free share worth $7 - $175 when they open a free investing account via my referral link and deposit £1 or more. Capital is at risk when investing.
Robinhood - Free share worth up to $175 when you open an account - tap for details
Webull - £50 Bonus
Webull is a worldwide investing app that launched in the UK a few years ago, new customers who create an account via my link will receive a £50 bonus when you deposit £100 for 30 days. Capital is at risk when investing. The value of your investments can fall as well as rise. I am not a financial advisor.
Webull - £50 bonus when you open an account - tap for details