GoCardless Referral Code 2026: Get £100 FREE

Looking for a GoCardless referral code that actually works? You're in the right place.

I've been using GoCardless for my business and it's one of the simplest, most reliable ways to collect payments from clients — especially if you take recurring payments or want to set up Direct Debit.

Use my referral link below and we both get £100 once you collect £500 in payments within your first three months.

Sign up to GoCardless and get your £100 bonus

Sign up via my link, collect £500 in payments within 3 months, and we both get £100. Simple.

What Is GoCardless?

GoCardless is a UK-based payment platform that makes it easy for businesses to collect payments directly from customers' bank accounts. It's best known for powering Direct Debit payments, which means once a customer authorises a payment, money comes in automatically — no chasing invoices, no failed card payments.

Over 80,000 businesses across the UK and beyond use GoCardless to get paid.

Key features:

• Direct Debit payments — automated, reliable, and hands-off
• Recurring payment collection — perfect for subscriptions, retainers, and instalments
• 3 months completely fee-free — no transaction fees when you first sign up
• 350+ integrations — connects to Xero, QuickBooks, Salesforce, FreeAgent and more
• Global payments — collect in multiple currencies across different countries
• Smart retry technology — automatically retries failed payments to reduce missed income
• Simple dashboard — easy to see what's been collected, what's pending, what's failed
• Instant bank payments — collect one-off payments instantly as well as recurring ones

Who Is GoCardless For?

• Freelancers and consultants on monthly retainers who are sick of chasing invoices
• Subscription businesses — gyms, membership clubs, software companies
• Accountants and bookkeepers collecting regular fees from clients
• Landlords and letting agents collecting rent automatically
• Coaches and tutors taking recurring session fees
• Small business owners who want cash flow they can predict

If you currently send invoices manually and wait for bank transfers, GoCardless will change your life. Payments come in on the day you set, without you having to do a thing.

How to Claim Your £100 Bonus

1. Click my referral link: manage.gocardless.com/refer
2. Create your GoCardless account — it's free and takes a few minutes
3. Set up your first payment — add a customer and collect your first payment
4. Collect £500 in payments within your first three months
5. Receive £100 credited to your account (and I get £100 too)

The £100 bonus typically arrives around 30 days after you hit the £500 payment threshold.

My Honest Experience Using GoCardless

I started using GoCardless because I was spending too much time chasing late payments from clients. Once I switched to Direct Debit, that problem essentially disappeared overnight.

What I love:

• Payments just arrive on the date I set — no chasing, no awkward emails
• The dashboard is clean and easy to understand
• Failed payments are retried automatically, which has saved me money
• It connects directly to my accounting software so bookkeeping is much faster
• The setup process is genuinely straightforward

What could be better:

• There's a small learning curve if you've never used Direct Debit before
• Customers need to complete an authorisation step before the first payment — but this is a one-time thing

Overall, GoCardless has become one of the tools I'd genuinely recommend to any UK business owner who takes regular payments from clients. The time it saves alone is worth it.

GoCardless vs Other Payment Tools

GoCardless vs Stripe. Stripe is great for card payments and one-off transactions, but it doesn't offer Direct Debit. If you need automated recurring payments pulled directly from bank accounts, GoCardless wins. Stripe also has no fee-free introductory period and no sign-up bonus.

GoCardless vs PayPal. PayPal offers limited recurring payment options, but it's primarily a card and wallet-based system. There's no Direct Debit, no automatic failed payment retries, and no free trial period. GoCardless is purpose-built for collecting payments on a schedule — PayPal isn't.

GoCardless vs Square. Square is designed for in-person and point-of-sale payments. Its recurring payment features are limited, it has no Direct Debit support, and UK bank integrations are weaker than GoCardless. If your business collects payments remotely on a regular basis, GoCardless is the better fit.

Where GoCardless stands out: Direct Debit, 3 months completely fee-free, automatic failed payment retries, 350+ accounting integrations, and a £100 sign-up bonus through my referral link. No other payment tool offers that combination.

Frequently Asked Questions

How does the GoCardless referral work?

Sign up using my referral link, then collect at least £500 in payments through GoCardless within your first three months. Once you hit that threshold, we both receive £100.

Is there a GoCardless referral code to enter?

GoCardless uses referral links rather than codes. When you click my link, the referral is tracked automatically — there's nothing extra to enter.

When do I receive my £100 bonus?

GoCardless typically pays the bonus around 30 days after you've collected £500 in payments. It's credited directly to your account.

How many people can I refer to GoCardless?

There's no limit. Once you're a GoCardless customer, you get your own referral link from your dashboard. Every successful referral earns you £100, with no cap.

Is GoCardless free to use?

GoCardless is completely free for your first three months — no transaction fees at all. After that, standard pricing applies based on how many payments you collect. Check gocardless.com for current pricing.

Does GoCardless work for sole traders?

Yes. GoCardless is available to sole traders, limited companies, partnerships, and charities. You don't need to be a limited company to sign up.

What's the difference between GoCardless and a normal bank transfer?

With a normal bank transfer, you send an invoice and hope the client pays on time. With GoCardless, you set the payment date and amount — and the money is collected automatically from the customer's account. No chasing, no delays.

Ready to Get Your £100?

Use my referral link to sign up for GoCardless free. Collect £500 in payments within 3 months and we both earn £100.

Sign up to GoCardless and claim your £100

If you've got questions about GoCardless or want to know more about how I use it in my business, feel free to get in touch.

Looking for more ways to save and earn as a business owner? Check out my other referral guides:

• Capital on Tap — get £75 free with the best UK business credit card
• Monzo Business — get up to £50 free with the UK's best digital bank
• Wise — save on international transfers with real exchange rates
• Revolut — earn up to £200 with fee-free spending abroad