Give-get: existing client gets 50-200 pounds charity donation or Amazon voucher, referred lead gets a free cashflow review. Referrals convert at 35-55%.
Structure
- Give: 50-200 pounds charity donation (avoids Consumer Duty fair-value issues on cash) - Get: free cashflow model or pension review - Cap: 3 referrals per client per year - Tracking: unique URL or code
Why it works
Trust transfer + zero CAC on the referred side pairs with 50%+ conversion to client.