How to purchase and store Dogecoins as of January 29 of 2021 A few ground rules/notes:
Dogecoin is denoted by the ticker "DOGE" or in some cases "XDG"
Often, Dogecoin can only be purchased by exchanging other cryptocurrencies for it such as Bitcoin, Litecoin, or Ethereum. Few websites allow you to purchase Dogecoin with USD or other fiat currency.
After obtaining Dogecoin, you should not store it on the exchange you purchased it on. Instead, keep it safe by moving it to a wallet.
The popular trading app Robinhood is a closed ecosystem. This means that Robinhood allows you to purchase Dogecoin, but does not allow you to move Dogecoin off of the platform to a wallet or exchange.
Coinbase does not allow you to purchase Dogecoin. Instead, you can use it to obtain other currencies to swap for Dogecoin.
How to buy Dogecoin Note 1: Before diving in, all services listed below are third parties. This forum, as well as myself, are in no way affiliated or associated with these parties. One of the most straightforward ways to obtain Dogecoin is by purchasing a different cryptocurrency on Coinbase such as Litecoin or Ethereum (or a stablecoin such as USDC) and then using Changelly to quickly and efficiently exchange it for Dogecoin. Coinbase itself does not allow you to purchase Dogecoin. This is why you have to use Changelly to swap another cryptocurrency for Dogecoin. More information on how to use Changelly can be found here. If Changelly isn't currently allowing Dogecoin swaps (which happens frequently and sporadically), the next easiest option for obtaining Dogecoin is a mobile app such as Voyager. Voyager does not require verification and instantly allows you to purchase Dogecoin and other cryptocurrencies seconds after signing up. However, Voyager appears to be imposing a brand-new waitlist and does not allow transactions from New York State. Dogecoin can indeed be purchased through popular trading app Robinhood. However, falling trust for the platform advocates for using other methods to obtain Dogecoin. It's worth noting that Robinhood does not allow you to move Dogecoin off of its platform. This tends to be the case with almost any mobile app for cryptocurrency purchasing. This means that you cannot send Dogecoin from Robinhood to a wallet or exchange. Unfortunately, this leaves you at the mercy of Robinhood. Additionally, Robinhood recently updated it policies and no longer allows instant deposits--even with its gold membership. This means that after initiating a deposit, you have to wait a minimum of 4-5 days no matter what before obtaining Dogecoin. Mobile apps that allow you to purchase Dogecoin: Please note that some of these mobile applications do NOT allow you to withdraw balances to personal wallets.
Cash App (allows purchases and withdrawals of Bitcoin only)
How to store your Dogecoin I highly advise that you use the official Dogecoin wallet. However, there are countless other places capable of storing your Dogecoin and other cryptocurrencies. Exodus is also a fantastic wallet for storing Dogecoin as well as countless other cryptocurrencies. Additionally, Exodus has a built in swapping feature that allows you to trade tons of different cryptocurrencies for Dogecoin. If the Dogecoin official wallet requires too much disk space, you may find that the lightweight Multidoge Wallet is more suitable. However, I only recommend the lightweight wallet as a last resort--as it is harder to configure and may require more of your time. Note 2: Please allow your Dogecoin Core wallet to fully synchronize before depositing your Dogecoin. Depositing Dogecoin before synchronization can cause the wallet balance to be incorrect. You can significantly speed up the process of wallet synchronization by downloading the Bootstrap for Dogecoin and placing it inside your Dogecoin Wallet data directory. To download the Bootstrap and view instructions on how to place it in your data directory, click here. Please note that the Boostrap file is pretty large--clocking in at just over 12GB. Note 3: When setting up your wallet, you'll be presented with a private key. Never ever share this key with anyone. This key is essentially your coins. If you lose this private key, you will lose your Dogecoins. Official Dogecoin Wallets:
Enjoy guys. I hope you have a safe and successful time getting yourself some fresh Dogecoin. If you have any advice or additions for this post, feel free to comment them and I'll add them. Stay safe everyone. To the moon guys!! 🚀 Previous How to Buy Dogecoin (outdated) Sincerely, -Clancy
Edit 1/29/21 9:00AM EST: Changelly removes support for Dogecoin. Voyager added as next easiest option. Binance added to purchase list.
Edit 1/30/21 1:30AM EST: Added a list of apps that allow the purchase of Dogecoin (Blockfolio being the latest and greatest). Added information regarding the hellstorm of bottle-necks and verification restrictions imposed by trading platforms recently.
Edit 1/30/21 9:57AM EST: Added Uphold to mobile app list. Changelly re-enables Dogecoin swaps. Removed Webull from mobile app list. Changed minor wording & spacing.
Edit 1/30/21 12:04PM EST: Added additional ticker "XDG" in opening statement. Changelly temporarily disables Dogecoin swaps once again.
Edit 1/31/21 11:20AM EST: Added AnchorUSD to mobile app list. Added stablecoin USDC to suggested Coinbase/Changelly swap options.
Edit 2/1/21 9:50AM EST: Added a note under the mobile application list stating that they are closed ecosystems. Added Guarda and Cash App to mobile app list. Added Bittrex to USA fiat currency purchasing list.
Edit 2/2/21 3:26PM EST: Added Dogecoin Wallet Bootstrap information under Note 2.
Edit 2/7/21 11:17PM EST: Added Robinhood to mobile app list. Changed Blockfolio info to "allows withdraws to personal wallets."
Edit 2/8/21 3:40PM EST: Updated Uphold info to "allows withdraws to personal wallets." Updated Voyager info to "allows withdraws to personal wallets but does not support Dogecoin withdraws."
I am 25 years old, made $87,000 last year and expect to make $104,000 this year, live in Minneapolis, and work as a Data Analyst / Data Scientist.
Note: I’m not a citizen, but I’ve been living in the US long enough to be considered a resident alien for tax purposes. On my visa, I cannot work any job that’s not directly related to my major in grad school (IT/computer science), but I can invest in the stock market.
Section One: Assets and Debt
Net Worth: from -$13,603.63 (Jan 2020) to $9,605.97 (Jan 2021) Retirement Balance: $16,000 in my 401(K). I only started working 2 years ago and my company messed up my registration so they basically didn’t put any money into it my first year there (I found out in horror and they gave me around $1,000 to say sorry…). I contribute 9% and my company matches 3%. Savings account balance: $2,500 I have $2,500 set aside as my “emergency fund”, and I’m building back my vacation & study abroad budgets after having to tap into them for a move. My job is very stable and I won't be let go any time soon (unless I quit myself) so I’m not setting aside a big emergency fund for now. Checking account balance: $3,111.01 Investment account: $1,500 in some stocks. I initially dumped half of my 2019 bonus and some monthly contributions (totaling around $4,000) to this account to test strategies. This was my “study fund” and I didn’t care if I’d lose it all. I grew the account to around $10,000 and withdrew almost everything (that went to all the fees I had to pay to break my lease, my brother’s lease, deposit, moving expenses, and new furniture) and left $1,500 worth of stocks in there right now. Credit card debt: $2,243.76 on my BestBuy card and PayPal Credit. I had the money to pay for the items in full but they offered X months interest-free and I wanted to throw money into my debts instead. I always pay off all balances well before the deadline. I also pay all my credit cards in full and have never paid any interest. Student loan debt: $11,046.09 left on my $20,000 loans at 8% for my BA in Biology and Statistics. Day 1 of arriving in the US, they sat us down, handed each of us a pen, and said hey kids here are the terms of your 8% loans, sign the documents now! I just turned 17, didn't even know I had to pay this money back, and remembered thinking "Is 8% a lot?" That's how clueless I was. As a non-citizen, I will never have them canceled, so my plan was to tackle this as soon as possible and I started paying more aggressively until they made it 0% interest since Q4 last year. Car loan: $4,900 left on my $10,000 loan at 8.9%. I didn’t have a long credit history when I bought the car (September 2019) since I only got my first credit card after graduation, so the rate was terrible. I’m planning to pay this all off after my bonus comes in March.
Section Two: Income
Income Progression: 2012 - 2016: I had multiple student on-campus jobs all throughout my undergrad, making from $7.25 to $10/hour. After graduation, I couldn't find any job directly related to my majors within 3 months (I had only been searching for Bio lab work), ran out of money, and had to go back home. Honestly, I didn't want to keep doing science either and was very lost back then. 2017: My first full-time job was being a tutor for a private college prep institution when I went back to my home country to “figure out what I wanted to do with my life.” They paid pretty well for the standards of living there ($1,000/mo). I worked that job while self-studying how to code and data science courses on the side and preparing my grad school applications. 2019: I got a job at my current company a semester before I graduated from my MS in Data Science program. This was my first “big girl job.” I started out at $64,000 and couldn’t work for 2 months due to complications in my visa processes so that ate up all my savings that year. By the end of the year, they bumped my salary up to $76,000 and we also had an annual 3% raise, so in total $78,280 + 5% bonus. 2020: One of my teammates left and one thing led to another, I got a title change from Data Analyst to Data Scientist towards the end of the year. I asked for a raise and they bumped it to $96,000 + 5% bonus. 2021: After our annual 3% raise my salary is now $98,880 (+ at least 5% bonus). I think I’m slightly underpaid, but this job is very low-stress and flexible (especially after we WFH). Main Job Monthly Take Home: $5,082.58 Taken from my last paychecks (before the annual raise) Gross salary: $8,000 Tax: $2,081.68 401(k) deduction: $720 Health insurance: $115.74
Section Three: Expenses
Rent & renter’s insurance: $935 for my share for a 2bed/3bath condo. My parents pay a flat $700/mo for my brother’s share. He recently moved here since his school went virtual until at least the end of this semester and our family wanted us to be nearby to take care of each other. Savings contribution: $900 Investment contribution: $420, but will increase once my car loan is paid off. Debt payments:
$1,000 on car loan until paid off.
$200.13 minimum on student loans for now at 0% interest, will increase to $1,100 when car loan is paid off.
$300 for Best Buy & PayPal Credit promotional deals
Car insurance: $127.01 ($762.05 paid in full every 6 months) Car registration: $25 ($300 annual) Donations: $20 monthly (ASPCA), plus several hundreds throughout the year (last year I donated to BLM orgs and local animal shelters) Gas: $0. I drive an electric car. Charging probably drives up my electric bill by a bit, but still cheaper than gas. Also, this means no car maintenance at all until my car battery dies, which probably won’t happen in the next 5 years. Utilities (electric, natural gas): ~$150 Wifi: $40 Cellphone: $10.61 ($108.66 for 6 months and I got a $45 credit from my bank) Groceries: $500 (for 2 people) Subscriptions: $20 (HP Ink, shared Netflix account, YNAB, Disney+) Pet expenses: ~$20 for wet cat food Personal care/hobby: I collect perfumes. Between makeup, skincare, clothes (which I had planned to stop buying this year) and perfume bottles and samples (the majority of my "personal care" expenses...), I averaged $400/mo last year. Without the makeup, skincare and clothes, I budget $150/mo this year for my fragrance hobby. Household supplies:$30 Education: $30 (language/technical textbooks, Udemy/Coursera) Gifts: $30 Credit card fee:$21 ($250 annual)
Section Four: Background
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Education is one of the top priorities in our household and this has been instilled in my mind since I was a kid. Perhaps because my grandparents were both professors and my parents both attended grad school, it was expected of us to have at least a bachelor's degree. With that said, my family tried to support our higher education financially as best they could and I'm very thankful for it. During undergrad, I had need-based financial aid and on-campus jobs, and my parents helped with the rest of my tuition. I still had to take (required by the school) a $20,000 loan. My grandmother helped pay for my 2-year master's program. Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? During high school, I had a measly weekly allowance and my dad had me write out all the transactions in a notebook. I thought it was very silly back then but now thinking back, it was probably some good practice. Other than that, they didn't talk about money at all, and I was absolutely clueless and wasn't interested in personal finance until a couple of years ago. I don't remember how but I think I woke up one day and decided to read every book about personal finance I could find and now I do talk with my dad about finances. What was your first job and why did you get it? My first job was washing dishes as a student worker! We all had to do it our freshman year before we were allowed to find other jobs. I managed to find 3 other jobs (stage crew, sports event worker, and math tutor) and stayed with all of them for 3 years. Did you worry about money growing up? Even though our parents never let on to us about their finances, they made sure that we'd grow up comfortable financially, so I didn't worry because I didn't know anything. Do you worry about money now? Yes. As I grew up, I came to learn more about my parents' financial situation and realized that they've sacrificed a lot for us. I had the majority of my college tuition supported by the school, but my brother doesn't, and tuition in the US isn't cheap, especially when you convert it to our local currency. I also never know for how long I can stay in the US and keep making the same kind of money I'm making now so I'm trying my best to pay down the student loans ASAP. At what age did you become financially responsible for yourself and do you have a financial safety net? I became fully financially responsible for myself when I started working at my current company. Before that my student worker jobs paid for my personal expenses in college but my parents still chipped in for tuition. I guess my family back home is my safety net but personally, I wouldn't ask them for help even if bad things happen to me in the future. Do you or have you ever received passive or inherited income? If yes, please explain. Nope.
Diary
Day 1 (Thursday) - $3.35
Alexa wakes me up and turns the light on. I change into my work clothes and head downstairs to my “office.” My boss starts our daily standup call, talking about what we did yesterday and what we plan for the day.
I have my annual review meeting. Everything goes well and my bosses are very pleased with what I’ve done, especially after I transitioned into my new title as a Data Scientist, which honestly brought me more fulfillment in my job as well. We talk about our annual bonus and raise, which I already expected. It’s not a lot of money but hey any money is money and I’m not saying no.
Some people bought my photocards so I gather all the orders and purchase a shipping label since 1 order is with tracked shipping. (Don’t ask me how this works but I’m a K-pop fan and we collect expensive cardboards. Depending on the popularity of the member of the group, profit margins can go up to 400%.) I head to the post office and drop off all the packages ($3.35)
I’ve been waiting for the mailman all day and he finally comes! I’ve been working from home for almost a year now and my back pain is starting to kill me so I decided to “invest” in a $400 chair with lumbar and neck support. My cat happily takes the other chair and starts claiming her territory on it.
Day 2 (Friday) - $206.24
I wake up on cue at Alexa’s daily briefing. Half an hour passes while I ponder on a perfume sample set I saw in someone’s fragrance collection on Reddit.
I eventually give in and purchase the Zoologist sample set ($120.24). It’s within my budget this month, I’ve been eyeing this one for some time now and I can resell it for 80% value once I’m done testing them, so it’s not a huge loss anyway.
Late lunch today. I make a quick lunch with sausages and keto toasts and quickly finish it while watching some YouTube videos on personal finance and updates on $GME (no I did not buy any shares).
When in doubt, throw every leftover food in your fridge in a pan and make fried rice. Side dish is sweet and sour tomato and egg “cloud soup.” Then we have our weekly family video call with my parents back in my home country.
I go down the YouTube rabbit hole again and buy 2 more perfume sample sets ($86.00). All the purchases today (~50 samples) would probably take me months to try out so I promise myself no more until next quarter as I click the pay button.
Day 3 (Saturday) - $71.27
I wake up at 8:45 am and laze around for half an hour, scrolling down Twitter and answering my friend’s questions on how to enter the stock market. Today is my cheat day (I have one every 2-3 weeks), so I contemplate if I should order delivery for lunch. I check YNAB and decide that it’s too expensive, so I go downstairs to make myself a hearty breakfast with a latte, half a croissant, grilled chicken breasts, and snack on some shrimp crackers and tangerines.
I purchase a shipping label ($3.22) and head out to the post office. For some reason I want to smell like a lemon cake today, so I spritz on Xerjoff Lira, put on sunscreen, and head out. This perfume always makes me feel so warm and delicious.
I spend the whole afternoon catching up with my Chinese and Korean lessons for the week.
Suddenly craving some instant noodles, so I immediately get up and head to a local Asian grocery store to shop for instant and pho noodles (I’m planning to make pho for Lunar New Year) and some snacks for my brother ($38.71). We drop by a bubble tea shop nearby and get bubble tea and 2 dessert cakes ($19.71). I usually don’t drink sugary drinks, but since it’s my cheat day, I put in an order and pay for the both of us.
Some more PC orders came in and they’re all with tracked shipping. The post office is closed tomorrow but I’ll just pay now for the shipping labels so that I won’t forget ($9.63).
Day 4 (Sunday) - $0.00
I literally do nothing today until 4 pm.
I make dinner, then finish my Chinese lesson and review the flashcards I made yesterday. That’s enough activity for the day.
One of my friends calls to show me her album haul of the day and I'm tempted, but (fortunately?) there's no kpop store in my city so I make myself forget about buying any more albums.
Day 5 (Monday) - $40.10
I wake up with a headache, not feeling too well, so I request a day off and message my boss. I can’t go back to sleep, so I just lie there in bed for a couple of hours. I suddenly remember that WandaVision is on air, and there are a couple of movies on there I haven’t watched yet, so I subscribe to Disney+ ($7.52) and start binge-watching.
We ran out of soft drinks for my brother, so I have to drive to Costco again after lunch ($32.58). I also need to drop off all the orders that came in over the weekend.
I go to my old apartment for my move-out inspection (I haven't been living there since December but still had to honor the 2-month notice and pay for all the rent). There are a couple of spots that might cost me some deductions in my deposit. Sigh. At least I get to tell them to remove the charges on my lease for February, and they assure me that they will.
I finish binge-watching some movies on Disney+. I see Colourpop is advertising some Valentine’s Day palettes on my feed. I do not need those, I do not need those, I do not need those. I should’ve just unfollowed makeup brands on social media. Some more late-night scrolling, and then I finally go to sleep.
Day 6 (Tuesday) - $8.02
I wake up groggily, still feeling a bit sick. We have a late standup today, so I take my time making my coffee and start working, as my cat also settles in on my lap and starts napping. My head is still aching and I'm not sure if it's the cold or just keto flu so I load up on electrolytes, fish oil, and acetaminophen just in case.
Somebody lowballed me on one of my postings. Ugh I hate it when they do this, but this one is not selling too well, so I meet them halfway. I purchase another shipping label ($3.03).
Today is our bi-monthly deployment date, which means all the engineers (and anyone who has committed changes in our codebase) meet up and sit around until all the merges are deployed into production. I had some changes last week so I just sit there and do my own work until it's my turn. My boss told me this morning he had some test API from one of our new clients so I go to check out some of the data there. Oh how I love me some messy, messy data that nobody knows what to do with.
The repair guy who came to fix our washing machine doesn't leave until 5:15 pm so I drop by the post office late, but just in time as they're collecting the mail! Then I drop by a nearby (rather upscale) grocery store as I'm running out of heavy cream, but everything is so expensive. I compare price per oz and pick up the coffee creamer instead ($4.99).
I heat up the cauliflower rice and leftover curry and eat dinner as I watch Coco (I can't believe I've never actually watched it!) Then I review my Chinese flashcards for a bit, do half an hour of Just Dance until I sweat, play with my cat, and call it a day.
Day 7 (Wednesday) - $3.49
I stayed up quite late yesterday playing a mobile game and finally wake up after snoozing the alarm for the 84th time. My boss starts our standup at our usual time; there's nothing urgent or pressing today so I just take my time. I take a quick nap in the afternoon and go back to work.
I use the last drops of avocado oil to fry up some bulgogi for dinner. Need to go back to Costco for more avocado oil tomorrow, I guess.
After dinner, a friend asks me about perfume samples that she wants to try. I go online to search for them but no dice since they belong to a new collection that only got launched in Europe. I take this time to try out some similar smelling samples in my collection as well.
I review my Chinese flashcards and do some workbook exercises. After an hour, my brain is fried on Chinese but I don't want to go to bed yet, so I pick up a book on my bookcase that I was reading a while ago (A Random Walk Down Wall Street) and read one more chapter.
An order came in so I purchase another shipping label ($3.49), update my budgeting app for a bit, and then head to bed.
Summary
Category
Amount
Note
Food & Drink
$95.99
Groceries
Fun / Entertainment
$7.52
Disney+ subscription
Home & Health
$0.00
Clothes & Beauty
$206.24
Perfume samples
Other*
$22.72
Shipping labels
Total
$309.75
shipping labels not included
*I don’t count the shipping labels as expenses because they’re already factored into the profits I made from my sales, but I included them anyway because they're still charges on my accounts. Any profit goes back to funding my album purchases so... I guess it's a vicious cycle. Overall, a pretty normal week for me in terms of food. I don’t eat out often (I allow myself only one meal and one dessert every month) and have used up my 1 dessert allowance this week so I probably won't have any more this month. I might’ve gone overboard with the perfume purchases this week, but tbh perfumes bring me joy. My mood is lifted and I'm transported to old and new places every time I put on a perfume that I enjoy, so for me, it’s worth it. I try to be frugal whenever I can, but I'll never skimp on education and hobbies that make me happy. Writing this week-long diary, I realize I need to get back to working out, though. I'll probably have to stop procrastinating and pull out my RingFit gears still inside the moving boxes. Playing Just Dance also makes me miss dancing so bad as I used to be active in several dance crews since college (but stopped after I started working full time). I'll try to stick to Just Dance for now to get my cardio until Covid is over and I can get back to in-person dance classes.
Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps. I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page. Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.
Stock Trading Apps/Websites
Webull:2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
Public: 1 free stock worth $10 guaranteed (you get to pick a fraction of a share of stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit.
FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
N26:$10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
Radius:$50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you 1 stock worth $10 guaranteed (you get to pick a fraction of a share between stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit. The way fractional shares work is, you get a piece of one of these stocks. You can still sell it or choose to sell it/hold it/it or whatever you wish, just like with a full share. Available on iOS or Android only. http://share.public.com/aruiu
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days. M1 Finance is available on iOS and Android, or you can use their website. https://m1.finance/J6aLCt6SRGdW
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th! Available on iOS or Android only. https://share.firstrade.com/MilaAQOK
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Moomoo
Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banking Apps/Websites-
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb6
Chime
Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://chime.com/milazadrozny
One Finance
One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish. https://share.onefinance.com/invite/Amadeo6c7b8c22
Chase Bank
Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://accounts.chase.com/raf/share/2479514579
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close your account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4. You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it. https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Available globally, not just the US. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! https://www.coinbase.com/join/ruiu_8 They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com.earn.comp.invite.9x21smry In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Constant
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly. Available globally, not just the US.
(enter referral code 66v69rwt76 if not pre-filled)
Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other Offers-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi Loans is offering a free $10just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish! You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it. https://www.youngmoneywhisperer.com/home
Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps. I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page. Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.
Stock Trading Apps/Websites
Webull:2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
N26:$10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
Radius:$50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you 1 stock worth up to $50 guaranteed. No deposit required! Available on iOS or Android only. http://share.public.com/aruiu
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days. M1 Finance is available on iOS and Android, or you can use their website. https://m1.finance/J6aLCt6SRGdW
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th! Available on iOS or Android only. https://share.firstrade.com/MilaAQOK
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Moomoo
Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banking Apps/Websites-
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb6
Chime
Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://chime.com/milazadrozny
Chase Bank
Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://accounts.chase.com/raf/share/2479514579
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close your account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4. You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it. https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Available globally, not just the US. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! https://www.coinbase.com/join/ruiu_8 They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com.earn.comp.invite.9x21smry In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Constant
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly. Available globally, not just the US.
(enter referral code 66v69rwt76 if not pre-filled)
Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other Offers-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi Loans is offering a free $10just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish! You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it. https://www.youngmoneywhisperer.com/home
Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps. I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page. Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.
Stock Trading Apps/Websites
Webull:2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
N26:$10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
Radius:$50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock! Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you 1 stock worth up to $50 guaranteed. No deposit required! Available on iOS or Android only. http://share.public.com/aruiu
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days. M1 Finance is available on iOS and Android, or you can use their website. https://m1.finance/J6aLCt6SRGdW
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th! Available on iOS or Android only. https://share.firstrade.com/MilaAQOK
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Moomoo
Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banking Apps/Websites-
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb6
Chime
Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://chime.com/milazadrozny
Chase Bank
Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://accounts.chase.com/raf/share/2479514579
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close your account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4. You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it. https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Available globally, not just the US. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! https://www.coinbase.com/join/ruiu_8 They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com.earn.comp.invite.9x21smry In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Constant
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly. Available globally, not just the US.
(enter referral code 66v69rwt76 if not pre-filled)
Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other Offers-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi Loans is offering a free $10just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish! You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it. https://www.youngmoneywhisperer.com/home
There are a lot of awesome referral opportunities out there, these are my personal favorites! Gemini, Crypto.com, and N26 are global offers, the rest are US only.
Stocks
Webull: BONUS IMPROVED!! 4 free stocks (2worth $2.50-$250 just for opening an account, and 2 worth $8-$1600 each for depositing $100).
FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required. 2 more free stocks for depositing $100! Offer expires January 15th!
Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
Wings Financial Credit Union:$50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
Oxygen:$25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.
N26:$10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
Radius:$50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. -TLAM9428D4
Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying a gift card for Amazon or buying a visa gift card online.
Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
Fetch Rewards: Receipt scanner app, rewards you 5 cents each for receipts from most major chain stores. Fetch has a $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
Webull is a commission free stock trading platform/app which is giving out 4 free stocks (2 worth $2.50-$250 for opening an account, and 2 worth $8-$1600 each for depositing $100). That's a MINIMUM of $21 in free stock! Expires January 15th at midnight est. Webull is available on iOS and Android, or you can use their website. Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
Public
Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required. Available on iOS or Android only. http://share.public.com/aruiu
M1 Finance
M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days. M1 Finance is available on iOS or Android only. https://m1.finance/J6aLCt6SRGdW
FirstTrade
FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires January 15th! Available on iOS or Android only. https://share.firstrade.com/MilaAQOK
Robinhood
Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required. Available on iOS and Android, or you can use their website. https://invite.robinhood.com/amadeor3/
Acorns
Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free! If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up. Acorns is available on iOS and Android, or you can use their website. https://www.acorns.com/invite/TLBCPD/
Moomoo
Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit. Moomoo is available on iOS or Android only. https://j.moomoo.com/000LR3
Round
Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000. Round is available on iOS only. https://app.investround.com/inviteCode/amadeo-r360s0
SoFi Invest
SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both! Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest! https://www.sofi.com/share/invest/2498539
Personal Capital
Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks. Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works! https://share.personalcapital.com/x/oGFEyl
Banks-
SoFi Money
SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back. You can close the account at any time with no fees- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
Porte
Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc. Referral link- https://portebanking.app.link/es7KK8Fb6
Chime
Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail). Offer ends January 7th at midnight! A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://chime.com/milazadrozny
One Finance
One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish, https://share.onefinance.com/invite/Amadeo6c7b8c22
Chase Bank
Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements. A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. https://accounts.chase.com/raf/share/2479514579
Wings
Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time. https://www.wingsfinancial/newcustform/109cb9ea
Aspiration
Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months. So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
Stash
Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account! The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus. https://get.stashinvest.com/amadeowpr10
SkyOne
SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days. This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up. https://refer.skyone.org/amadeoruiu3
Premier Members Credit Union
Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit. They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45! And you can close the account at any time, fee free! referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
Oxygen
Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.
N26
N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card. The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US. N26 is available on iOS or Android only. https://n26.com/amadeor4364
Radius
Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus. You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4. You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it. https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb
Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10. So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required. https://www.myconstant.com?r=annoyedproduct
Celsius
Celsius is a cryptocurrency investing platform which will give you $30 for signing up using a referral link, enter the promo code "web30", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $20 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.
Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly. Available globally, not just the US.
(enter referral code 66v69rwt76 if not pre-filled)
Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency. Available globally, not just the US. This bonus posts VERY quickly, within a day or two. https://gemini.com/share/rllzke26
Coinbase
Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8 They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com.earn.comp.invite.9x21smry In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions. https://coinbase.com/earn/oxt/invite/t0wvs4k2
Credit Cards-
Chase Freedom
Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry! All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties. https://www.referyourchasecard.com/18/ONLMEFPEFJ
Discover IT
Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry! All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free. https://refer.discover.com/s/hhti4m
Other-
Root
Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc. https://rootbonus.com/AmadeoRuiu
Worthy Bonds
Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw. The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately. https://worthybonds.com/?r=etyji
SoFi Loans
SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan. You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances. There's also the option of taking out a SoFi loan. www.sofi.com/share/2498539?src=copy
Fetch
Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. My personal favorite scanning app! Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout. They also give a $2 bonus for signing up using a referral code (open this link from your phone). https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
Raise
Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway. www.sofi.com/share/2498539?src=copy Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox. https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds I've also put together a small blog with those as well as the referrals listed below. I'd love it if you check it out. Thank you! https://www.youngmoneywhisperer.com/home
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