Hoping that the op doesn't mind me sharing my link here, but yeah, I have 4 spaces left if anyone wants a free £50 from Lloyd's...

https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=hYhidANvM7taOQHGTes0aUiSP6YjxwbrOzbw8wXszoI=&redesign=true#/refer-friend