AJ Bell referral code: get a £100 Amazon gift card

Last updated: 11 October 2026. I checked every figure in this AJ Bell referral code guide against AJ Bell’s recommend a friend terms and its published charges on 11 October 2026.

This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don’t choose what I feature or what I say about them. This is information, not financial advice.

Capital 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.

Get the £100 AJ Bell gift card

What the AJ Bell referral code gets you

The reward is a £100 Amazon.co.uk gift card, sent by email as a code. It is not cash in your account, and it is not a free share. So you can spend it on Amazon, but you cannot invest it or withdraw it.

AJ Bell runs the scheme through Mention Me, a referral platform. That is why the link opens a Mention Me page asking for your email address first. The email you give there has to match the one you use to open your AJ Bell account. If the two differ, the referral cannot be matched and the reward does not arrive.

In short, the offer suits someone who was already planning to move a sizeable pot. For example, it fits an ISA transfer from another platform or a pension consolidation into a SIPP. It does not suit a first account funded with a few hundred pounds.

How to use the AJ Bell referral code, step by step

1. Register through the referral link. First, open the link and enter your email address on the Mention Me page.
2. Open an eligible account with that email. Next, choose a SIPP, a Stocks and Shares ISA, a Stocks and Shares Lifetime ISA or a Dealing account. AJ Bell’s Dealing account is its general investment account, with no tax wrapper.
3. Fund it with £10,000 or more within 120 days. The clock starts when you apply for your first new account. Lump sums and transfers from another provider both count. You can also split the money, for example £6,000 into a SIPP and £4,000 into an ISA.
4. Keep at least £10,000 in the account. AJ Bell issues the reward 30 days after the full £10,000 arrives. Your balance must still be £10,000 or more on that day.
5. Watch your inbox. Finally, the gift card code arrives by email.

Open AJ Bell and claim £100

Who can claim it

You need to be 18 or over and live in the UK. You also cannot be a current or former AJ Bell customer. If someone refers you more than once, only the first referral counts.

Some accounts and some money do not count towards the £10,000:

• Excluded accounts: Ready-made Pensions, Cash Savings Hub accounts, Junior ISAs and Junior SIPPs.
• Excluded transfers: money from a defined benefit or final salary pension, and transfers from other AJ Bell products such as AJ Bell Investcentre and Dodl.
• Top-ups that do not count: pension tax relief that AJ Bell reclaims for you and the government bonus on a Lifetime ISA.

Separately, a Lifetime ISA has its own rules. The government charges 25% on money you take out before 60, unless you are buying your first home or are terminally ill. So read the GOV.UK Lifetime ISA guidance before you use one to hit the £10,000.

The £10,000 condition, and what happens if you withdraw

This is the part to read twice. AJ Bell can reclaim the £100 within 12 months if your account value falls by more than 75% through withdrawals or transfers out. A market fall does not count, because the clause covers money you move, not money the markets take.

In practice, that means the money needs to stay put for about a year. If you planned to transfer in, take the gift card and move straight back out, this offer will not work for you.

AJ Bell can also change, suspend or withdraw the offer without notice. The terms I checked have been valid since 20 November 2023, but check them again before you apply.

AJ Bell charges at a glance

AJ Bell charges a monthly percentage for holding your investments, plus a fee each time you buy or sell. Here is what its own charges pages showed on 11 October 2026.

So, on £10,000 held in ETFs inside an ISA, the holding charge comes to £25 a year. That sits under the £42 annual cap, which only kicks in at £16,800. Above that, the ISA charge stays at £42 however large the pot grows. My best ETF platforms UK comparison puts that cap next to the free platforms, so you can see where it starts to pay.

Funds are different. The funds charge has no monthly cap below £250,000, so a fund-heavy pot pays the full 0.25%. Fund managers also charge their own ongoing fees on top, and those are separate from AJ Bell’s.

In addition, AJ Bell does not charge to transfer an account in. It will also cover your old provider’s exit fees, up to £500, if the account you move is worth £20,000 or more.

Is AJ Bell safe and regulated?

AJ Bell Securities Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 155593. The FCA Register record lists it as authorised since 1 December 2001. The offer itself is run by AJ Bell Management Limited, another company in the same group, based at 4 Exchange Quay, Salford Quays, Manchester.

Eligible investments are protected up to £85,000 per person per FCA-authorised firm by the Financial Services Compensation Scheme. That protection covers the firm failing. It does not cover your investments falling in value.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

What to watch out for

• The bar is high. £10,000 within 120 days rules the offer out for most first-time investors. Other platforms pay a smaller reward for a £1 deposit.
• It is a voucher, not cash. The £100 arrives as an Amazon.co.uk gift card, with Amazon’s own gift card terms attached.
• There is a 12-month clawback. Move out more than 75% of the account value in the first year and AJ Bell can take the £100 back.
• The email has to match. Use the same address on the Mention Me page and on your AJ Bell application.
• Dealing is not free. A one-off share or ETF trade costs £5.00, so regular monthly investing is the cheaper way to buy.
• The SIPP cap is higher. Shares in a SIPP are capped at £10 a month, not £3.50, so a large SIPP can pay up to £120 a year in holding charges.

FAQs

Is there an AJ Bell referral code to type in?

No. AJ Bell’s recommend a friend offer works through a personal link, not a code. Register your email on the link’s Mention Me page, then open your account with the same email.

How much do I need to deposit to get the £100?

At least £10,000 in total, within 120 days of applying for your first account. It can be one lump sum, a transfer from another provider, or a mix of both across eligible accounts.

Which AJ Bell accounts qualify?

A SIPP, a Stocks and Shares ISA, a Stocks and Shares Lifetime ISA and a Dealing account all qualify. Ready-made Pensions, Cash Savings Hub accounts, Junior ISAs and Junior SIPPs do not.

When does the Amazon gift card arrive?

AJ Bell issues it 30 days after the full £10,000 reaches your account, provided your balance is still at least £10,000 then. It arrives by email.

Can I claim if I used to have an AJ Bell account?

No. The offer is for people who have never been AJ Bell customers. Transfers from AJ Bell Investcentre and Dodl are excluded too.

Does a pension transfer count towards the £10,000?

Yes, a transfer from another defined contribution pension into an AJ Bell SIPP counts. However, a transfer from a defined benefit or final salary scheme does not.

How much does AJ Bell charge to hold ETFs?

In an ISA or Dealing account, 0.25% a year, capped at £3.50 a month, or £42 a year. In a SIPP the cap is £10 a month. Regular monthly investing is free, and a one-off trade costs £5.00.

Is this financial advice?

No. This page is information only and is not financial advice. Investing involves risk and you may get back less than you invest. Offers can change or end at any time, so always read AJ Bell’s terms before you sign up.

Sources

• AJ Bell recommend a friend offer page
• AJ Bell recommend a friend terms and conditions, valid from 20 November 2023
• AJ Bell Stocks and Shares ISA charges
• AJ Bell SIPP charges
• AJ Bell Dealing account charges
• Financial Conduct Authority Register: AJ Bell Securities Limited, firm reference number 155593

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Disclaimer

This content is for information only and is not financial advice. Capital at risk: the value of investments can go down as well as up and you may get back less than you invested, and past performance is not a reliable indicator of future results. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. Eligible investments are protected up to £85,000 per person per FCA-authorised firm by the Financial Services Compensation Scheme, which covers firm failure rather than market losses. Offer availability, reward values and terms can change or be withdrawn at any time, so always check AJ Bell’s current terms before signing up. CoolCuration is not authorised by the Financial Conduct Authority. You should consider speaking to a qualified adviser before making an investment decision. This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don’t choose what I feature or what I say about them.