2025 incentives: Terms and Conditions

Referral Program
Funding Bonus
Partner Rewards
Variable Partner Welcome Bonus
Fee Free
2025 Tax Year End Bonus Terms and Conditions

Referral Program Terms and Conditions
V1.3 Active 01/11/2024

For the duration of this Referral Program, from 1st March 2025 - 31st August 2025, any individual whose Referee completes registration and funds their ISA or General Account with InvestEngine will qualify for up to £100 in "Referral Funding" for both the Referrer and Referee, or up to £200 for a Business Account, provided they both meet the terms and conditions below.

Referrer: In order to refer a friend, you must have already created and registered an InvestEngine Client Account, as well as invested in an InvestEngine Portfolio with at least £100 of your own money (excluding other promotional offers) prior to making the referral.

Referee (Friend): A Referee must be a new customer and have not previously registered with InvestEngine or used our services in the past.

The Referrer and Referee must both, in InvestEngine's reasonable opinion, be capable of being accepted as a customer of InvestEngine, in accordance with the requirements of InvestEngine's Standard Terms and Conditions and all applicable laws. The Referral Program is only valid for the first twenty-five (25) referrals made by the Referrer. A Referrer may make more than twenty-five referrals, but these will not result in Referral Funding for either the Referrer or the Referee.

To benefit from this Referral Program, the Referrer must complete an InvestEngine referral for a valid Referee by:

Clicking the "refer a friend" button on the InvestEngine platform to receive their unique referral link.
Sharing their unique referral link with a Referee.
Ensuring the Referee clicks on the link and proceeds to register as usual.
Having the Referee complete registration in accordance with the requirements of InvestEngine's Standard Terms and Conditions and all applicable laws.

Only referrals that are accepted by the GrowSurf system and by InvestEngine will count. Self-referrals are not accepted.

Following the completion of the Referee's registration with InvestEngine and investment into their Portfolio of £100, we will reveal your Referral Funding amount as below and add the Referral Funding into both the Referrer's and Referee's designated Portfolios. The Referrer must also have at least £100 funded in their respective account. We will seek to complete this within two Business Days; however, it may take up to five or more Business Days during busy periods. If your Referral Funding has not been received within five Business Days, please contact our Support team. Corporate customers will not be able to invest without a valid LEI.

The Referral Funding amount is generated by our internal system and will be displayed to the Referrer and Referee respectively via our platform and confirmed via their respective emails. Once a Referral Funding amount has been revealed, it cannot be changed. In case of any system error where there is a mismatch between the Referral Funding awarded and that which the Referrer or Referee expects, InvestEngine will honour the amount reflected in its system only.

The Referral Funding amount is randomly generated based on the following weightings:

Referral Funding	Business Referral Funding	% Available
£72–£100	£180–£200	5%
£26–£40	£112–£140	20%
£20–£24	£100–£110	75%

Due to the randomised nature of generation, the actual distributed awards may differ from the weightings above.

Following investment, both the Referee and Referrer must remain invested for a minimum of 12 months from the date they receive the Referral Funding, maintaining a minimum net investment funding of £100 plus the value of the Referral Funding. Other promotional rewards do not count towards this total. Failure to comply with the above requirements shall result in InvestEngine reclaiming an amount equal to the value of the Referral Funding from the Referrer's and Referee's Client Accounts.

If a referral bonus is not automatically credited, the referrer or referee must provide relevant account details upon request for verification. Failure to provide the necessary details may result in the forfeiture of the bonus. By participating in the referral program, users acknowledge that eligibility verification may require sharing certain information.

We reserve the right to change the terms and conditions for this 2024 Referral Program at any time or withdraw the program in its entirety without notice, for reasons practical, operational, or otherwise. We reserve the right to disqualify bonuses, rewards, or any promotional amount earned through fraudulent, illegal, or abusive methods. This offer is subject to our Standard Terms and Conditions and the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England and Wales. Should there be any material conflict between the terms of this offer and the Standard Terms and Conditions, the Standard Terms and Conditions shall prevail.

InvestEngine is a trading name and registered trademark of InvestEngine (UK) Limited. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority. The Firm Reference Number is 801128. InvestEngine (UK) Limited is incorporated in the UK with company number 10438231 and has its registered office at 57-59 Great Suffolk Street, London, SE1 0BB.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

Updated Terms and Conditions for the Funding Bonus
Active 30/10/2024

The following Terms and Conditions ("Terms") apply to the Funding Incentive ("Offer") provided by InvestEngine (UK) Limited ("InvestEngine," "we," "us," or "our"). By participating in the Offer, you agree to be bound by these Terms.

Eligibility 1.1 The Offer is open to individuals who have signed up for an InvestEngine account but have not yet completed the full registration and approval process, provided they have received the promotional email containing the Offer ("Eligible Customers"). 1.2 Eligible Customers must be residents of the United Kingdom and aged 18 years or over.
Offer Details 2.1 Eligible Customers who have received the promotional email and make an investment in their InvestEngine portfolio by the date specified in the email will receive a bonus credited to their InvestEngine account. The amount of the Bonus will vary for different customers and will be specified in the promotional email sent to each customer. 2.2 The Bonus will be credited to your InvestEngine account as soon as possible after your investment clears and your account is approved. If you have not received your bonus within 30 days of meeting the criteria, please contact us at support@investengine.com.
How to Participate 3.1 Receive the promotional email sent by InvestEngine with details of the Offer. 3.2 Complete any remaining registration steps and ensure your account is approved, if not already done. 3.3 Make an investment in your InvestEngine portfolio by the date specified in the email. Corporate customers will not be able to invest without a valid LEI.
Bonus Conditions 4.1 The Bonus is limited to one per Eligible Customer. 4.2 The Bonus is non-transferable and cannot be withdrawn for 12 months from the date it's credited to your account. 4.3 Following your investment, you must remain invested for a minimum of 12 months from the date you receive the Bonus, maintaining a minimum net investment of £100 plus the Bonus amount. Failure to meet these requirements may result in InvestEngine reclaiming the Bonus.
General 5.1 The Offer cannot be used in conjunction with any other InvestEngine promotional offers. 5.2 InvestEngine reserves the right to amend, suspend, or terminate the Offer, in part or in full, at any time and for any reason, without prior notice. 5.3 Any decision made by InvestEngine regarding the Offer is final and binding.
Limitation of Liability 6.1 InvestEngine accepts no responsibility for any loss or damage incurred as a result of participation in the Offer.
Governing Law 7.1 This offer and its terms are subject to our Standard Terms & Conditions and these terms are governed by and construed in accordance with the laws of England and Wales.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

Contact Information 8.1 For any questions or concerns regarding the Offer, please contact our customer support at support@investengine.com.

Partner Rewards Terms and Conditions

From time-to-time new customers who successfully open and fund an account with InvestEngine through a Partner Link or Promo Code will qualify for a Partner Reward to be added to their chosen portfolio provided they meet the terms and conditions below.

The offer is only open to new customers and only applies to one Portfolio per customer. Those New Customers qualifying for a Partner Reward will not qualify for any other InvestEngine Welcome Bonus scheme currently operating.

For the purpose of these terms "New Customers" are individuals who:

have successfully opened and funded an account with InvestEngine and chosen a Portfolio;
have not previously opened an account with InvestEngine or have used our services in the past; and
have arrived at InvestEngine's landing page via a tracked Partner Link or inputted a Promo code up to 90 days after first funding an account, or at any point during the opening an account process.
in InvestEngine's reasonable opinion, are capable of being accepted as a customer of InvestEngine, in accordance with the requirements of InvestEngine's Standard Terms and Conditions and all applicable law.

InvestEngine reserves the right to cancel any Client Accounts which do not meet these criteria.

An individual or business will be considered to have opened and funded an account if they have:

completed the InvestEngine risk questionnaire if required;
provided all requisite information about themselves or the business as required by our onboarding process;
agreed to our Standard Terms and Conditions and any accompanying documentation;
provided details for a valid nominated bank account; and
Funded the relevant minimum amount as specified by the relevant Partner or where no minimum is specified, the Minimum Portfolio level;

Following the opening and funding of an account with InvestEngine, we will fund the amount eligible under the reward amount as specified by the Partner into the New Customers' designated Portfolio (a "Partner Reward"). We will seek to complete this within two Business Days, however it may take up to 5 or more Business Days during busy periods. If your bonus has not been received within 5 Business Days, please contact our Support team. Business customers will not be able to invest without a valid LEI.

The New Customer must maintain a minimum net investment of the Minimum Portfolio level (£100) or the minimum amount as specified by the relevant Partner, whichever is higher (not including any bonuses, reward or any other promotional amount offered by InvestEngine) for a minimum of 12 months from the date they funded their account.

You will only be eligible for a Partner Reward where use of your Partner Link or Promo Code has been successfully tracked by our tracking provider, Impact. Disabling cookies, using adblockers or switching computers/browsers may affect Impact's ability to track your use of the Partner Link and you will not be entitled to the Partner Reward.

Failure to comply with the above requirements shall result in InvestEngine reclaiming an amount equal to the value of the Partner Reward. The Minimum Portfolio limit as referred to in our Standard Terms and Conditions applies where relevant. Failure to meet our Standard Terms and Conditions may result in the closure of your Client Account.

We reserve the right to change the terms and conditions for our Partner Reward program at any time or withdraw the program in its entirety without notice, for reasons practical, operational or otherwise. We reserve the right to disqualify bonuses, rewards or any promotional amount earned through fraudulent, illegal or abusive methods. This offer is subject to our Standard Terms and Conditions and the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England and Wales. Should there be any material conflict between the terms of this offer and the Standard Terms and Conditions, the Standard Terms and Conditions shall prevail.

InvestEngine will only honour a Partner Reward from a valid Partner Link or Promo Code provided by an active Partner of InvestEngine. It is not the responsibility of InvestEngine to maintain or update the Partner Link or Promo Code provided by a current or former Partner and we reserve the right to refuse to honour a Partner Reward where the link or code has expired, is incorrect or the partnership has ceased. InvestEngine is under no obligation to make publicly available its active partnerships.

InvestEngine is a trading name and registered trademark of InvestEngine (UK) Limited. InvestEngine (UK) Limited is authorised and regulated by the Financial Conduct Authority. The Firm Reference Number is 801128. InvestEngine (UK) Limited is incorporated in the UK with company number 10438231 and has its registered office at 57-59 Great Suffolk Street, London, SE1 0BB.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

Variable Partner Welcome Bonus Terms and Conditions

New customers who successfully open and fund an account with InvestEngine through a Partner Link or Promo Code from 13th December 2024 until 28th February 2025 will qualify for a Variable Partner Welcome Bonus to be added to their chosen portfolio provided they meet the terms and conditions below.

The offer is only open to new customers and only applies to one Portfolio per customer. Those New Customers qualifying for a Variable Partner Welcome Bonus will not qualify for any other InvestEngine Welcome Bonus scheme currently operating.

For the purpose of these terms "New Customers" are individuals who:

have successfully opened and funded an account with InvestEngine and chosen a Portfolio;
have not previously opened an account with InvestEngine or have used our services in the past; and
have arrived at InvestEngine’s landing page via a tracked Partner Link or input a valid promo code up to 90 days after first funding an account, or at any point during the opening an account process;
in InvestEngine's reasonable opinion, are capable of being accepted as a customer of InvestEngine, in accordance with the requirements of InvestEngine's Standard Terms and Conditions and all applicable law.

InvestEngine reserves the right to cancel any Client Accounts which do not meet these criteria.

An individual or business will be considered to have opened and funded an account if they have:

completed the InvestEngine risk questionnaire if required;
provided all requisite information about themselves or the business as required by our onboarding process;
agreed to our Standard Terms and Conditions and any accompanying documentation;
provided details for a valid nominated bank account; and
Funded the relevant minimum amount as specified by the relevant Partner or where no minimum is specified, the Minimum Portfolio level;

Following the completion of the New Customer's registration with InvestEngine and investment into their Portfolio of £100, we will reveal your Variable Partner Welcome Bonus amount as below and add the amount to your designated Portfolio. We will seek to complete this within two Business Days, however it may take up to 5 or more Business Days during busy periods. If your Variable Partner Welcome Bonus has not been received within 5 Business Days, please contact our Support team. Corporate customers will not be able to invest without a valid LEI.

The Variable Partner Welcome Bonus amount is generated by our internal system, and will be displayed to the New Customer via our platform and confirmed via their respective emails. Once a Variable Partner Welcome Bonus amount has been revealed it cannot be changed. In case of any system error where there is a mismatch between the Variable Partner Welcome Bonus awarded and that which the New Customer expects, InvestEngine will honour the amount reflected in its system only.

The Variable Partner Welcome Bonus amount is randomly generated based on the following weightings:

Variable Partner Welcome Bonus	% Available
£72-100	5%
£26-40	20%
£20-24	75%

Due to the randomised nature of generation, the actual distributed awards may differ from the weightings above.

You will only be eligible for a Variable Partner Welcome Bonus where use of your Partner Link or Promo Code has been successfully tracked by our tracking provider, Impact. Disabling cookies, using adblockers or switching computers/browsers may affect Impact's ability to track your use of the Partner Link and you will not be entitled to the Variable Partner Welcome Bonus.

Failure to comply with the above requirements shall result in InvestEngine reclaiming an amount equal to the value of the Variable Partner Welcome Bonus. The Minimum Portfolio limit as referred to in our Standard Terms and Conditions applies where relevant. Failure to meet our Standard Terms and Conditions may result in the closure of your Client Account.

We reserve the right to change the terms and conditions for our Variable Partner Welcome Bonus program at any time or withdraw the program in its entirety without notice, for reasons practical, operational or otherwise. We reserve the right to disqualify bonuses, rewards or any promotional amount earned through fraudulent, illegal or abusive methods. This offer is subject to our Standard Terms and Conditions and the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England and Wales. Should there be any material conflict between the terms of this offer and the Standard Terms and Conditions, the Standard Terms and Conditions shall prevail.

InvestEngine will only honour a Variable Partner Welcome Bonus from a valid Partner Link or Promo Code provided by an active Partner of InvestEngine. It is not the responsibility of InvestEngine to maintain or update the Partner Link or Promo Code provided by a current or former Partner and we reserve the right to refuse to honour a Variable Partner Welcome Bonus where the link or code has expired, is incorrect or the partnership has ceased. InvestEngine is under no obligation to make publicly available its active partnerships.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

12 month Fee Free Managed Service Reward Terms and Conditions

This offer is valid from 1st March 2025 - 31st August 2025.

New Customers who register their e-mail address when signing up for an account with InvestEngine after visiting the promotional landing page available via the promotional link, will qualify for the 12 month Fee Free Managed Service Reward provided they meet the terms and conditions below. Accounts opened via any other route will not qualify under this offer.

The offer is only open to new customers and only applies to one account per customer. Those New Customers qualifying for the 12 month Fee Free Managed Service Reward will not qualify for any other InvestEngine Welcome or Affiliate Bonus scheme currently operating.

For the purpose of these terms "New Customers" are individuals or Businesses who:

have registered their e-mail address when signing up for an account
have not previously opened an account with InvestEngine or used our services in the past; and
in InvestEngine's reasonable opinion, are capable of being accepted as a customer of InvestEngine, in accordance with the requirements of InvestEngine's Standard Terms and Conditions and all applicable law.

InvestEngine reserves the right to cancel any Client Accounts which do not meet these criteria.

The fee-free offer can’t be combined with any other offers/bonuses, apart from the tax year end bonus.

Following the registration of their e-mail address in the account opening process, with InvestEngine, we will waive the Managed Portfolio fee/s for the New Customers' Managed Portfolios for the next 12 months from the date of their e-mail address being registered. If you are incorrectly charged a Managed Portfolio fee, please contact our Support team. Corporate customers will not be able to invest without a valid LEI.

After 12 months, your Managed Portfolio/s will be subject to our annual fee at our standard rate, which is currently 0.25% per annum. Investment costs are not covered as part of the offer which include ETF charges, taken by the ETF provider, and market spread (the difference between the price we buy and sell investments). If you invest into a Managed Portfolio/s within a SIPP, our SIPP fee is not covered as part of this reward. Full details of our costs are available on our costs page here.

You will only be eligible for the 12 month Fee Free Managed Service Reward, where use of the promotional link has been successfully tracked through our promotional page. Disabling cookies, using adblockers or switching computers/browsers may affect our ability to track your use of the promotional link and you will not be entitled to the 12 month Fee Free Managed Service Reward. It is not the responsibility of InvestEngine to maintain or update the promotional link and we reserve the right to refuse to honour the reward where the promotional link has expired, is incorrect or the partnership has ceased.

Failure to comply with the above requirements shall result in InvestEngine reclaiming an amount equal to the value of the 12 month Fee Free Managed Service Reward. Failure to meet our Standard Terms and Conditions may result in the closure of your Client Account.

We reserve the right to change the terms and conditions for our 12 month Fee Free Managed Service Reward at any time or withdraw it in its entirety without notice, for reasons practical, operational or otherwise. We reserve the right to disqualify bonuses, rewards or any promotional amount earned through fraudulent, illegal or abusive methods. This offer is subject to our Standard Terms and Conditions and the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England and Wales. Should there be any material conflict between the terms of this offer and the Standard Terms and Conditions, the Standard Terms and Conditions shall prevail.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

2025 Tax Year End Bonus Terms and Conditions - 03/03/2025 to 31/05/2025

In the period 03/03/2025 to 31/05/2025 all new customers who successfully register to receive a 2025 Tax Year End bonus, fund an InvestEngine ISA or SIPP, or transfer an ISA to InvestEngine will qualify for a Tax Year End Bonus provided they hit the bonus tiers below. All existing customers can qualify for a Bonus if they transfer an ISA to InvestEngine and/or top-up a SIPP. New and existing clients must also register to receive the cashback via the Tax Year End Bonus form and meet the following qualifying terms.

“New Customers” are individuals who:

have successfully opened and funded an account with InvestEngine and chosen a Portfolio;
have not previously registered with InvestEngine or have used our services in the past; and
in InvestEngine’s reasonable opinion, are capable of being accepted as a customer of InvestEngine, in accordance with the requirements of InvestEngine’s Standard Terms and Conditions and all applicable law.

InvestEngine reserves the right to cancel any Client Accounts which do not meet these criteria.

Existing customers are individuals who have previously opened and funded an account with InvestEngine.

An individual will be considered to have opened and funded an account if they have:

completed the InvestEngine risk questionnaire if required;
provided all requisite information about themselves as required by our onboarding process;
agreed to our Standard Terms and Conditions and any accompanying documentation;
provided details for a valid nominated bank account; and
funded the relevant Net Contribution as specified in this promotion.

In order to qualify for the 2025 Tax-Year End bonus, new or existing clients need to register their details via the 2025 Tax-Year End bonus registration form during the promotional period available here.

The Tax-Year End bonus for New Customers will be calculated based on the ISA portfolio’s Net Contribution; top-ups and transfers, less any withdrawals, plus any SIPP portfolio top-ups less any withdrawals and not including government contributions, during the promotion period (Ending 18:00 on 31/05/2025). The bonus for Existing Customers will be calculated based on ISA transfers in, less any withdrawals, plus any SIPP portfolio top-ups less any withdrawals and not including government contributions, during the promotion period. Top-ups are counted as any one-off or regular payment via your registered bank account, direct debit or savings plan, and ISA top-ups are only considered for New Customers. Transfers are counted as existing ISAs being transferred from other ISA providers and count towards both New and Existing Customers. All transfers must be initiated during the promotional period by completing InvestEngine's ISA transfer form. Transfers initiated before the promotion launch will not be eligible for the promotion if they are cancelled and resubmitted. The Tax-Year End bonus rewarded will be the Bonus specified in the highest applicable band in the following table:

Band	Bonus
	New customer - ISA transfers - ISA top-ups - SIPP top-ups	Existing customer - ISA transfers - SIPP top-ups
£0	£0	£0
£12,000	£50	£50
£25,000	£150	£150
£100,000	£300	£300
£250,000	£550	£550
£500,000	£1,100	£1,100
£1,250,000	£3,500	£3,500
£3,000,000	£4,000	£4,000

The Net Contribution means the total amount funded or transferred into the relevant account by the New Customer, or total transferred in by the Existing Customer, plus any SIPP top-ups by both New or Existing customers in the period of this promotion minus any withdrawals, transfers out or other redemption of capital. Net Contribution is not the same as the account value and does not include any bonuses, reward or any other promotional amount offered by InvestEngine. For example, if an account's Net Contribution is £999, but due to performance the value as at the Promotional Period End is £1005, the reward will be £0. Conversely, if the Net Contribution is £1000 but the value as at the Promotional Period End is £999, the reward will be £20.

The reward will be funded into the Customer’s InvestEngine General Cash account following the Promotional Period End. We will seek to pay bonuses between 16th June & 4th July, following promotion end. This is to allow time for any ISA transfers to complete. Whilst we will endeavour to get all bonuses paid during this window, we cannot guarantee this.

The New Customer must maintain at least the Net Contribution as it stood at the Promotional Period End for a period of 12 months from when they receive their bonus. Failure to comply with the above requirements shall result in InvestEngine reclaiming an amount equal to the value of the Tax-Year End bonus from the New Customer’s account. The New Customer will not be eligible for a lower band of Bonus if the Net Contribution drops into another band. Failure to meet our Standard Terms and Conditions may result in the closure of your Client Account.

Where a New Customer initiates an ISA transfer to InvestEngine before the Promotional Period End but InvestEngine has not received the funds by this time, the New Customer will be eligible for the applicable reward based on the value of the funds received by InvestEngine from the former ISA provider, and not the value as at the date of the Promotional Period End or any other value quoted. The New Customer will receive the reward following the successful transfer of funds from the former ISA provider, and must maintain the Net Contribution as specified above for 12 months from that date.

Transfers initiated before the promotion launch will not be eligible for the promotion if they are cancelled and resubmitted.

We reserve the right to change the terms and conditions for our 2025 Tax-Year End bonus promotion at any time or withdraw the promotion in its entirety without notice, for reasons practical, operational or otherwise. We reserve the right to disqualify bonuses, rewards or any promotional amount earned through fraudulent, illegal or abusive methods. This offer is subject to our Standard Terms and Conditions and the laws of England and Wales. Any disputes arising out of or in connection with these terms shall exclusively be submitted to and dealt with by the competent court in England and Wales. Should there be any material conflict between the terms of this offer and the Standard Terms and Conditions, the Standard Terms and Conditions shall prevail.

Our Standard Terms and Conditions can be found here. Certain capitalised words and expressions used in the Standard Terms and Conditions have the same meaning in these terms.

InvestEngine Term Incentives Archive

2025 incentives: Terms and Conditions

Table of contents

Referral Program Terms and Conditions V1.3 Active 01/11/2024

Updated Terms and Conditions for the Funding Bonus Active 30/10/2024

Partner Rewards Terms and Conditions

Variable Partner Welcome Bonus Terms and Conditions

12 month Fee Free Managed Service Reward Terms and Conditions

2025 Tax Year End Bonus Terms and Conditions - 03/03/2025 to 31/05/2025

Referral Program Terms and Conditions
V1.3 Active 01/11/2024

Updated Terms and Conditions for the Funding Bonus
Active 30/10/2024