We'll both get £20 when you join and pay in £20 and activate rewards with my code (elWSms86). FREE. Instant, and all £40 can be withdrawn immediately if you wish. Best instant access rate on the market (1.5%), 1% on all purchases, and zero commission on travel transactions - plus all the usual banking features (NFC, contactless, standing orders, direct debits, etc.). Best bank in the UK if you ask me.
3
