Summary
What it is: a 2% bonus on each qualifying deposit, paid to both the customer making the referral (issuer) and the friend they refer (redeemer).
Who it is for: existing Sidekick investment customers who refer a friend and new customers who open a qualifying investment account through that referral.
How it is applied: automatically invested into your qualifying investment product at the next available trading session.
Maximum bonus: up to £500 as a redeemer and up to £500 as an issuer, giving a maximum total bonus of £1,000 per customer where both roles are held.
Clawback: if you withdraw funds within 12 months such that your cumulative withdrawals exceed the amount you deposited, a proportionate amount of your bonus will be recovered.
Promotion Period
This promotion runs from 18 May 2026 unless withdrawn earlier under "Withdrawal of this promotion."
Eligibility
To participate as an issuer you must be an active Sidekick investment customer. You may refer up to 3 friends.
To participate as a redeemer you must be a new Sidekick customer with no existing account at the point of referral. You must open a GIA or Stocks and Shares ISA through Sidekick using a valid referral code and make an initial deposit of at least £1,000 into a qualifying investment product.
Qualifying Date
The Qualifying Date is the date the redeemer makes their qualifying deposit. This is the point at which the referral is considered valid and recorded.
Qualifying Investment Products
Qualifying investment products are those falling within Sidekick's Core Investments and Personalised Investments categories.
Products falling within the Advanced Opportunities category are not eligible for this promotion.
Sidekick may add or remove eligible products by notice. This will not affect any bonus already paid.
Bonus
A bonus of 2% is payable on each qualifying deposit instruction into a qualifying investment product, up to a maximum of £500 per role. Where multiple deposit instructions are made, each attracts a separate bonus payment of 2% of that instruction amount.
The bonus applies to your own qualifying deposits during your bonus period. Issuers earn 2% on their own deposits during the period activated by their referral. Redeemers earn 2% on their own deposits during the period activated by accepting an invite. Referring a friend does not earn you a percentage of your friend's deposit. It activates a bonus period during which your own deposits earn 2%.
There is no limit on the number of qualifying deposit instructions you can make during your bonus period. The £500 per role maximum applies to the total bonus paid across all instructions.
For example:
Instruction 1: £5,000 - bonus £100
Instruction 2: £3,000 - bonus £60
Total: £160
Bonus Period
Issuers: each successful referral activates a 3-month bonus period from the relevant Qualifying Date, running sequentially. The maximum total period is 9 months across 3 referrals. Remaining days are displayed in the app and increase with each successful referral. A referral made after an existing period has expired activates a new period, displayed separately in the app.
Redeemers: 3 months from the Qualifying Date.
Auto-Investment
When a bonus payment is due, Sidekick will automatically invest it on your behalf. You do not need to take any action.
The bonus is paid into your Wallet and then automatically invested into the same qualifying investment product as your corresponding deposit at the next available trading session. Trading sessions are on business days only, excluding weekends and UK bank holidays.
By participating in this promotion you authorise Sidekick to carry out this automatic investment each time a bonus payment is due. This authorisation is limited to bonus payments under this promotion, does not constitute an ongoing investment mandate, and does not modify any agreements you hold with Sidekick. Bonus payments cannot be redirected to a different product.
Clawback
Clawback is assessed per product and per transaction. Once a portion of the bonus has been clawed back it cannot be re-earned, regardless of any subsequent deposits made into the qualifying investment product.
Full Withdrawal
If you make a full withdrawal before the 12-month holding period expires, all bonus payments relating to that product will be clawed back in full. Once the 12-month holding period has expired, no clawback applies and you retain all bonus payments in full.
Partial Withdrawal
If you make a partial withdrawal before the 12-month holding period expires, clawback is applied proportionately. The clawback amount is the amount by which your cumulative withdrawals exceed the amount you deposited. The remaining bonus stays invested.
Example:
You deposit £5,000 into a qualifying investment product and receive a £100 bonus. Your 12-month holding period begins on this date.
On month 4, you withdraw £2,000. Cumulative withdrawals (£2,000) are below the amount you deposited (£5,000). No clawback.
On month 8, you withdraw a further £3,100. Cumulative withdrawals are now £5,100, which is £100 above the amount you deposited. You are still within your 12-month holding period, so £100 is clawed back from the proceeds. You receive £3,000.
Your bonus is now fully recovered. No further clawback applies.
Had you waited until after month 12 to make any withdrawals, no clawback would have applied and you would have kept the full £100 bonus.
If your cumulative withdrawals do not exceed the amount you deposited, no clawback applies.
Consecutive Withdrawals
Where two or more withdrawal instructions are made, they are treated in aggregate for the purposes of calculating the clawback threshold.
Important
The amount we recover is always fixed at the bonus paid to you. It does not increase or decrease with market movements. However, if your investment has fallen in value when you withdraw, your overall position may be worse than if you had not withdrawn. You should consider this before making a withdrawal.
Recovery
The clawback amount is deducted from the proceeds of the withdrawal instruction that triggered it. If the proceeds are insufficient to cover the clawback amount in full, we will contact you to arrange payment of the outstanding amount.
Where a clawback trigger occurs before the bonus has been invested, Sidekick will recover the amount directly from your Wallet. If the Wallet balance is insufficient, we will contact you to arrange payment of the outstanding amount.
Referral Verification
If you believe a referral has not been correctly recorded, notify Sidekick within 60 days of the redeemer's qualifying deposit by navigating to the rewards icon in the app and selecting "I have a promo code." No bonus will be payable after this period in respect of an unverified referral.
Anti-Gaming and Misuse
Self-referral: you may not refer yourself directly or indirectly. Any bonus paid as a result will be recovered in full.
Circular referrals: you may not participate in any arrangement with other customers designed to generate mutual bonus payments. Sidekick may withhold or recover any bonus paid to customers involved in such an arrangement.
Referral codes: your referral code is for your private use only. You may not distribute it publicly including via cashback websites, social media or forums. Referral codes do not have an expiry date but will become invalid in the following circumstances:
the maximum of 3 successful claims has already been made against your code;
Sidekick deactivates your code; or
Sidekick withdraws the promotion entirely.
No bonus is payable to a redeemer who attempts to use an invalid code. Sidekick may deactivate a referral code at any time, including where it reasonably believes the code has been shared publicly.
Pre-investment clawback: if a clawback trigger occurs before the bonus has been invested, Sidekick will recover the amount directly from your Wallet. If the Wallet balance is insufficient, we will contact you to arrange payment of the outstanding amount.
Maximum Bonus
The maximum bonus payable under this promotion is £500 in your capacity as a redeemer and £500 in your capacity as an issuer. These limits apply independently.
If you joined Sidekick as a redeemer and subsequently refer friends as an issuer, your redeemer bonus period and issuer bonus period can run at the same time. In this case the maximum total bonus you can earn across both roles is £1,000.
Once the £500 limit is reached in either role, no further bonus payments will be made in that capacity regardless of whether further qualifying deposits or referrals are made.
Limits
Each customer may only participate as a redeemer once. A customer who joined Sidekick as a redeemer may subsequently participate as an issuer and refer up to 3 friends. The £500 cap applies independently to each role.
Sidekick operates a one account per customer policy. If we become aware of multiple accounts held by the same customer, that customer will be disqualified from this promotion and any bonus paid may be recovered.
When the Bonus Will Not Be Paid
The bonus will not be paid if:
the qualifying investment product is closed before the bonus is invested;
the £500 maximum for the relevant role has been reached; or
we withhold it under "When we may withhold, withdraw or correct."
The clawback condition applies for 12 months from each bonus payment regardless of whether the promotion has ended.
Withdrawal of this Promotion
We may withdraw this promotion at any time. Withdrawal does not affect bonuses already paid unless we are entitled to recover them under the section below.
When We May Withhold, Withdraw or Correct
We may withhold, withdraw or correct any bonus (including reclaiming overpayments) if we reasonably believe:
you are not eligible;
the qualifying deposit was not made during the applicable period;
the referral was not made or recorded in accordance with this Schedule;
there has been an error in calculation or application;
there is actual or suspected misuse, fraud, gaming or circumvention; or
we need to do so to comply with law, regulation, or for operational or risk management reasons.
Investment Risk
Your capital is at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results. The bonus is invested into your qualifying investment product and is subject to the same market risk. The value of your invested bonus may be less than the amount invested at the point of any clawback calculation.
Tax
The tax treatment of this bonus will depend on your individual circumstances. Sidekick makes no representation as to its tax treatment. As the bonus is invested rather than held as cash, any tax liability may need to be met from other funds. You are responsible for your own tax affairs and should seek specialist advice if you are unsure.
If your qualifying investment product is a Stocks and Shares ISA, the bonus payment will be invested as a subscription into your ISA and will count toward your annual ISA allowance. The annual ISA allowance is currently £20,000 across all ISAs you hold. You are responsible for ensuring you do not exceed your annual ISA allowance. Sidekick does not monitor your ISA subscriptions held with other providers.