2020's best referral programs

32 banks with generous signup and referral bonus

That's a welcome change that banks actually pay us!

Banking referral and affiliate programs

There's now a wealth of banking services that offers generous rewards when you invite friends. In many case, these online banks are amongst the best service of in the banking industry so it'd definitely worth checking these out!

We've listed the referral programs our user love, but please let us know if we should add more to the list!

For a quick overview, here's a table comparing the different programs:

App / Site Reward for invitee our rating website
Acorns $5 www.acorns.com
Beem It $5 www.beemit.com.au
Bondora 5 euros free www.bondora.com
Bunq 10€ www.bunq.com
Cash App $5 cashapp.io
Chase Bank $350 www.chase.com
Chime $50 www.chimebank.com
Chime Bank $50 www.chimebank.com
CurrencyFair €30 www.currencyfair.com
Curve 5Β£ www.curve.app
Dave App Free download www.dave.com
Digit $5 digit.co
Earnin App $14 www.earnin.com
Long Game Savings $5.00 www.longgame.co
MONESE 15 € monese.com
Mezu $5 www.mezu.com
MoneyLion $20 www.moneylion.com
N26 €15 4.6 n26.com
Numbrs 10€ numbrs.com
Payoneer $25 www.payoneer.com
Privacy $5 privacy.com
Qapital $10 www.qapital.com
Revolut 10$ www.revolut.com
Robinhood $200 (1 stock) robinhood.com
Sofi Money $50-$100 www.sofi.com
Stash $5 www.stashinvest.com
Tangerine $50 4.6 www.tangerine.ca
TransferGo 10Β£ www.transfergo.com
TransferWise 1 transfer 4.6 transferwise.com
USEND $10 www.usend.com
WorldRemit $20 www.worldremit.com
Xendpay 10Β£ www.xendpay.com
moomoo A free stock from $3-$200 www.moomoo.com

N26: The best referral program in Europe?

N26 referral and affiliate program

Share your invite code and when they spend €15 with their card in a store, you get €15 from us. Share your invite link or code from the app. Your friends can use the link to sign up right away. They should have their account up and running in 5 minutes. Keep track of friends who've signed up. Useful for reminding forgetful friends. Read review

πŸ‘‰   N26 invite codes

Tangerine: Getting cash rewards with Tangerine refer-a-friend program

Tangerine referral and affiliate program

Earn a 50$ bonus for each friend who successfully becomes a Tangerine client using your Orange key and opens an account with an initial deposit of at least 100$. Your friends will also earn the same benefit, a 50$ gift. Read review

πŸ‘‰   Tangerine invite codes

TransferWise: It pays to reffer other users

TransferWise referral and affiliate program

When you recommend TransferWise to 3 of your friend, they get a free international transfer of up to €500 and when they all transfer over €200, you get €50. Read review

πŸ‘‰   TransferWise invite codes

Some popular options:

Is Acorns referral program worth it?

Acorns referral and affiliate program

Acorns is an American company that specializes in robo and micro investing. If you open an account on Acorns and make a successful investment using an Acorns referral link sent to you by one of your friends, you can get a $5 referral reward. Acorns offers a dual sided Refer a Friend Program: when you complete your first investment, the person who referred you will also receive a $5 referral coupon. From time to time, Acorns also launches special referral promotions on top of the usual $5 referral coupons (e.g. in March 2019, referral users got $50 for 4 referred friends).

πŸ‘‰   Acorns invite codes

Is Digit referral program worth it?

Digit referral and affiliate program

Digit thrives on the idea of being able to help people avoid financial hardships by utilizing their knowledge of behavioral psychology and technology. The first step is to connect your bank account enabling Digit to asses your income and spending to find money they can safely set aside. Then Digit looks for an opportunity to move some money from your checking account to your Digit savings account. Digit never transfers more than you can afford and have a no-overdraft guarantee. You can access your savings account with Digit anytime by simply sending them a text message. There are unlimited transfers and no account minimums.

πŸ‘‰   Digit invite codes

Is Mezu referral program worth it?


Mezu gives you a private and secure way to Give and Get money without sharing any of your personal information.

πŸ‘‰   Mezu invite codes

Is moomoo referral program worth it?

moomoo referral and affiliate program

MooMoo is an app that allows its users to buy stocks, options, and ETFs without having to pay commissions.

πŸ‘‰   moomoo invite codes

Is Privacy referral program worth it?

Privacy referral and affiliate program

Privacy lets you generate smart, virtual debit cards to use online.

πŸ‘‰   Privacy invite codes

Is Qapital referral program worth it?

Qapital referral and affiliate program

Qapital is designed to help people save for what they want the way they want. By allowing its users to not only set the goals they want to save for but also how they want to save for it, this app is showing great results. You pick a goal such as "Save for Thailand Trip," and then if you want the app to "take money out every Sunday," or "guilty pleasure rule" which saves $10 every time you order takeout. There are also positive reinforcement opportunity such as saving $10 every time you go to the gym. This app is completely free and customized for each user.

πŸ‘‰   Qapital invite codes

Is Robinhood referral program worth it?

Robinhood referral and affiliate program

Qualified applicants receive a free stock (worth an Avg of $10 a share) to hold or trade.

πŸ‘‰   Robinhood invite codes

Is Sofi Money referral program worth it?

Sofi Money referral and affiliate program
Sofi Money

Sofi Money is an online bank with a 2% APY checking account and is FDIC insured. It has no minimum balance or fees. If you join Sofi Money and deposit $100, you will get $50 instantly. After that, if you're not satisfied with the service or dont want another bank account, you can withdraw the money immediately and close the account with no consequences.

πŸ‘‰   Sofi Money invite codes

Is Long Game Savings referral program worth it?

Long Game Savings referral and affiliate program
Long Game Savings

Long Game Savings is an mobile app savings account that uses games to help motivate you to save more.; Long Game Savings is an mobile app savings account that uses games to help motivate you to save more.

πŸ‘‰   Long Game Savings invite codes

Is Xendpay referral program worth it?

Xendpay referral and affiliate program

Their revolutionary Pay What You Want transfer fees makes sending money home cost effective. No hidden charges. Competitive exchange rates.

πŸ‘‰   Xendpay invite codes

Is Dave App referral program worth it?

Dave App referral and affiliate program
Dave App

Banking for humansβ„’ Dave helps over 3 million people thrive, not just survive, between paychecks. Connect any bank account to start or open your own Dave checking account. Takes less than 2 minutes.

πŸ‘‰   Dave App invite codes

Is Numbrs referral program worth it?

Numbrs referral and affiliate program

Numbrs Personal Finance AG is a financial technology company based in Switzerland. The company offers an app called Numbrs that aggregates bank account and credit card information and facilitates mobile banking and personal financial planning.

πŸ‘‰   Numbrs invite codes

Is Earnin App referral program worth it?

Earnin App

Earnin is an app that allows you to draw fee-free advances on your wages before payday rolls around.

πŸ‘‰   Earnin App invite codes

Is Curve referral program worth it?

Curve referral and affiliate program

Connect your cards to Curve and Enjoy a whole new banking experience. One Interface. One Curve card. A whole new world - real-time notifications, Zero Fx, 1% Cashback, and even time travel (Seriously!).

πŸ‘‰   Curve invite codes

Is USEND referral program worth it?


Transfer money on your cell or smart phone with USEND Money Transfer App and website.

πŸ‘‰   USEND invite codes

Is Chime referral program worth it?

Chime referral and affiliate program

Sign up using a referral code to get $50 and to give $50 to the friend that referred you.

πŸ‘‰   Chime invite codes

Is TransferGo referral program worth it?


TransferGo is a digital remittance solution for migrant workers.

πŸ‘‰   TransferGo invite codes

Is Bondora referral program worth it?


Bondora is an online platform for fixed-income investments in European personal loans.

πŸ‘‰   Bondora invite codes

Is Cash App referral program worth it?

Cash App referral and affiliate program
Cash App

Earn real cash for completing simple tasks using CashApp. Make money for watching videos, testing apps, completing surveys, giving opinions, trying services, and more.

πŸ‘‰   Cash App invite codes

Is Bunq referral program worth it?

Bunq referral and affiliate program

bunq is a Dutch, internationally active mobile bank.

πŸ‘‰   Bunq invite codes

Is MONESE referral program worth it?

MONESE referral and affiliate program

Monese is a UK company that offers current accounts and money transfer services as an alternative to traditional

πŸ‘‰   MONESE invite codes

Is Chase Bank referral program worth it?

Chase Bank referral and affiliate program
Chase Bank

Get a $200 signup bonus when you open a new total checking account.

πŸ‘‰   Chase Bank invite codes

Is MoneyLion referral program worth it?


Our personal loans and easy-to-use tools help you borrow for less while saving more, improve your financial health, and monitor your credit all in one place.

πŸ‘‰   MoneyLion invite codes

Is WorldRemit referral program worth it?


WorldRemit is an online money transfer service that provides international remittance services to migrant communities around the world.

πŸ‘‰   WorldRemit invite codes

Is Revolut referral program worth it?

Revolut referral and affiliate program

Revolut Ltd is a UK financial technology company that offers banking services including a prepaid debit card, currency exchange, cryptocurrency exchange and peer-to-peer payments. The Revolut mobile app supports spending and ATM withdrawals in 120 currencies and sending in 29 currencies directly from the app.

πŸ‘‰   Revolut invite codes

Is CurrencyFair referral program worth it?

CurrencyFair referral and affiliate program

Send money with a better exchange rate and avoid excessive bank fees

πŸ‘‰   CurrencyFair invite codes

Is Beem It referral program worth it?

Beem It referral and affiliate program
Beem It

The Beem It app allows you to pay friends & split expenses in seconds, no matter your bank.

πŸ‘‰   Beem It invite codes

Did we miss anything?

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