You've probably been hearing a lot about Bitcoin recently and are wondering what's the big deal? Most of your questions should be answered by the resources below but if you have additional questions feel free to ask them in the comments. It all started with the release of Satoshi Nakamoto's whitepaper however that will probably go over the head of most readers so we recommend the following articles/books/videos as a good starting point for understanding how bitcoin works and a little about its long term potential:
Limited Supply - There will only ever be 21,000,000 bitcoin created and they are issued in a predictable fashion per the inflation schedule. Once they are all issued Bitcoin will be truly deflationary. The halving countdown tells you how much time until the next drop in block rewards.
Open source - Bitcoin code is fully auditable. You can read and contribute to the source code yourself.
Accountable - The public ledger is transparent, all transactions are seen by everyone.
Decentralized - Bitcoin is globally distributed across thousands of nodes with no single point of failure and as such can't be shut down similar to how Bittorrent works. You can even run a node on a Raspberry Pi.
Censorship resistant - No one can prevent you from interacting with the bitcoin network and no one can censor, alter or block transactions that they disagree with, see Operation Chokepoint.
Push system - There are no chargebacks in bitcoin because only the person who owns the address where the bitcoin resides has the authority to move them.
Low fee scaling - Most wallets calculate on chain fees automatically but you can view fee estimates and mempool activity if you want to set your fee manually. On chain fees may rise occasionally due to network demand, however instant micropayments that do not require confirmations are happening via the Lightning Network, a second layer scaling solution currently rolling out on the Bitcoin mainnet.
Borderless - No country can stop it from going in/out, even in areas currently unserved by traditional banking as the ledger is globally distributed.
Trustless - Bitcoin solved the Byzantine's Generals Problem which means nobody needs to trust anybody for it to work.
Secure - Blocks and transactions are cryptographically secured (using hashes and signatures) and can’t be brute forced or confiscated with proper key management such as hardware wallets.
Programmable - Individual units of bitcoin can be programmed to transfer based on certain criteria being met
Nearly instant - From a few seconds on the lightning network to a few minutes on-chain depending on need for confirmations. Transactions are irreversible by normal users after one confirmation and irreversible by anyone (including miners) after 6 confirmations.
Portable - Bitcoin are digital so they are easier to move than cash or gold. They can be transported by simply carrying a seed (a string of 12 to 24 words) on a device or by memorizing it for wallet recovery (while cool, memorizing is generally not recommended due to potential for forgetting the seed and the potential for insecure key generation by inexperienced users. Hardware wallets are the preferred method for most users for their ease of use and additional security).
Scalable - While the protocol is still being optimized for increased transaction capacity, blockchains do not scale very well, so most transaction volume is expected to occur on Layer 2 networks built on top of Bitcoin.
Divisible - Each bitcoin can be divided down to 8 decimals, which means you don't have to worry about buying an entire bitcoin.
Bitcoin.org and BuyBitcoinWorldwide.com are helpful sites for beginners. You can buy or sell any amount of bitcoin (even just a few dollars worth) and there are several easy methods to purchase bitcoin with cash, credit card or bank transfer. Some of the more popular resources are below, also check out the bitcoinity exchange resources for a larger list of options for purchases.
You can also purchase in cash with local ATMs. If you would like your paycheck automatically converted to bitcoin use Bitwage. Note: Bitcoin are valued at whatever market price people are willing to pay for them in balancing act of supply vs demand. Unlike traditional markets, bitcoin markets operate 24 hours per day, 365 days per year.
Securing your bitcoin
With bitcoin you can "Be your own bank" and personally secure your bitcoin OR you can use third party companies aka "Bitcoin banks" which will hold the bitcoin for you.
If you prefer to "Be your own bank" and have direct control over your coins without having to use a trusted third party, then you will need to create your own wallet and keep it secure. If you want easy and secure storage without having to learn computer security best practices, then a hardware wallet such as the Trezor, Ledger or ColdCard is recommended.
If you cannot afford a hardware wallet there are many software wallet options to choose from depending on your use case. Mobile wallets like BlueWallet are generally more secure than desktop wallets. Beware of fake mobile wallets and check reviews from reputable Bitcoin websites. Avoid paper wallets or brain wallets.
If you prefer to let third party "Bitcoin banks" manage your coins, try Gemini or Unchained Capital but be aware you may not be in control of your private keys in which case you would have to ask permission to access your funds and be exposed to third party risk. There is a saying in the community, "Not your keys, not your coins" meaning if you don't store your coins in a wallet that you control the keys to then you do not really own your bitcoin as you have to ask permission from the third party in order to move them.
Note: For increased security, use Two Factor Authentication (2FA) everywhere it is offered, including email! 2FA requires a second confirmation code or a physical security key to access your account making it much harder for thieves to gain access. Google Authenticator and Authy are the two most popular 2FA services, download links are below. Make sure you create backups of your 2FA codes. Avoid using your cell number for 2FA. Hackers have been using a technique called "SIM swapping" to impersonate users and steal bitcoin off exchanges.
Physical security keys (FIDO U2F) offer stronger security than Google Auth / Authy and other TOTP-based apps, because the secret code never leaves the device and it uses bi-directional authentication so it prevents phishing. If you lose the device though, you could lose access to your account, so always use 2 or more security keys with a given account so you have backups. See Yubikey or Titan to purchase security keys. Both Coinbase and Gemini support physical security keys.
Watch out for scams
As mentioned above, Bitcoin is decentralized, which by definition means there is no official website or Twitter handle or spokesperson or CEO. However, all money attracts thieves. This combination unfortunately results in scammers running official sounding names or pretending to be an authority on YouTube or social media. Many scammers throughout the years have claimed to be the inventor of Bitcoin. Websites like bitcoin(dot)com and the r / btc subreddit are active scams. Almost all altcoins (shitcoins) are marketed heavily with big promises but are really just designed to separate you from your bitcoin. So be careful: any resource, including all linked in this document, may in the future turn evil. As they say in our community, "Don't trust, verify".
Avoid using ad-based search engines like Google or Yahoo: ads are shown based on how much the advertiser bids, and scammers can easily outbid legitimate providers for ad space, since immoral ways of earning money are far more lucrative than moral ways. Use DuckDuckGo instead, which has no ads, and never tracks you as well.
Ignore private messages offering services.
Never enter your seed words in a website of any kind. Hardware wallets will recover by displaying possible seed words on their own interface, never on a website.
Always check addresses on your hardware wallet before sending or receiving. Some malware has been known to replace addresses in your web browser or that you copy-and-paste.
Avoid clicking on links like that look like links, such as https://www.google.com/, without first hovering over it and actually checking where they go to. Just because a link is labelled with an HTTPS address does not mean it actually sends you to that address. It is trivial for someone to comment a link on Reddit that looks like it will send you to one website when it actually sends you to another, and you might not notice the difference until a scammer has gotten all your money, or you have downloaded and installed software that steals your money.
Common Bitcoin Myths
Often the same concerns arise about Bitcoin from newcomers. Questions such as:
Is Bitcoin a Ponzi scheme?
Will governments ban Bitcoin?
Will quantum computers break Bitcoin?
All of these questions have been answered many times by a variety of people. Here are some resources where you can see if your concern has been answered:
Check out spendabit or bitcoin directory for millions of merchant options. Also you can spend bitcoin anywhere visa is accepted with bitcoin debit cards such as the CashApp card or Fold card. Some other useful site are listed below.
Gift cards for thousands of retailers worldwide including Amazon, Target, Walmart, Starbucks, Whole Foods, CVS, Lowes, Home Depot, iTunes, Best Buy, Sears, Kohls, eBay, GameStop, etc.
There are several benefits to accepting bitcoin as a payment option if you are a merchant;
1-3% savings over credit cards or PayPal.
No chargebacks (final settlement in 10 minutes as opposed to 3+ months).
Accept business from a global customer base.
Increased privacy.
Convert 100% of the sale to the currency of your choice for deposit to your account, or choose to keep a percentage of the sale in bitcoin if you wish to begin accumulating it.
If you are interested in accepting bitcoin as a payment method, there are several options available;
Mining bitcoin can be a fun learning experience, but be aware that you will most likely operate at a loss. Newcomers are often advised to stay away from mining unless they are only interested in it as a hobby similar to folding at home. If you want to learn more about mining you can read the mining FAQ. Still have mining questions? The crew at /BitcoinMining would be happy to help you out. If you want to contribute to the bitcoin network by hosting the blockchain and propagating transactions you can run a full node. You can view the global node distribution for a visual representation of the node network.
Earning bitcoin
Just like any other form of money, you can also earn bitcoin by being paid to do a job.
You can also earn bitcoin by participating as a market maker on JoinMarket by allowing users to perform CoinJoin transactions with your bitcoin for a small fee (requires you to already have some bitcoin).
Bitcoin-Related Projects
The following is a short list of ongoing projects that might be worth taking a look at if you are interested in current development in the bitcoin space.
One Bitcoin is quite large (hundreds of £/$/€) so people often deal in smaller units. The most common subunits are listed below:
Unit
Symbol
Value
Info
bitcoin
BTC
1 bitcoin
one bitcoin is equal to 100 million satoshis
millibitcoin
mBTC
1,000 per bitcoin
used as default unit in recent Electrum wallet releases
bit
bit
1,000,000 per bitcoin
colloquial "slang" term for microbitcoin (μBTC)
satoshi
sat
100,000,000 per bitcoin
smallest unit in bitcoin, named after the inventor
For example, assuming an arbitrary exchange rate of $10000 for one Bitcoin, a $10 meal would equal:
0.001 BTC
1 mBTC
1,000 bits
100k sats
For more information check out the Bitcoin units wiki. Still have questions? Feel free to ask in the comments below or stick around for our weekly Mentor Monday thread. If you decide to post a question in /Bitcoin, please use the search bar to see if it has been answered before, and remember to follow the community rules outlined on the sidebar to receive a better response. The mods are busy helping manage our community so please do not message them unless you notice problems with the functionality of the subreddit. Note: This is a community created FAQ. If you notice anything missing from the FAQ or that requires clarification you can edit it here and it will be included in the next revision pending approval. Welcome to the Bitcoin community and the new decentralized economy!
I mined my first Ethereum nickel (0.05 ETH)! Here’s my journey and some lessons learned
There are lot of new to mining folks here, I’m one of them. Here is my journey and some of the lessons I learned
Why did I go here?
When Bitcoin hit $40k I finally decided that cryptocurrency isn’t going to go away. And if it’s not going to go away I should look into it. The sad thing is that in the early early days of bitcoin I had played with getting a miner going. I even got to the point where it was happily mining away on my computer. But then I had to get back to work and when my computer rebooted I never started it up again. What a loss! I should also call out, the EtherMiningguide is really good. If you are starting your mining journey it’s very helpful
The Wallet
I made the investment in a Ledger wallet. I’ve seen the reddit post that made it to all about poor souls that lost huge amount because of some hack or thievery. If I’m going crypto I’m controlling the keys. I did some research and determined that Leger or Trezor are the best cold wallets. After which I read on Ledger’s site that you shouldn’t mine directly to ledger because it can’t handle a large amount of small transitions (more on this later). Did some google and went with Mew for my mining software wallet figuring I’ll transfer to ledger after. Here I learned about the magic 20 words or a Mnemonic phrase. Unlike banks, Ledger and Mew don’t hold your account. They are simply devices. If Mew is installed on your phone and if you lose your phone you’re screwed and you can lose all your holdings. Unless you can rebuild your wallet with the Mnemonic phrase that is. Alright, good stuff. I have mine and a safe wallet
And Ethereum?
Of course first I looked into mining bitcoin again. What? You need an ASIC miner these days? Holy shit they cost how much? Alright, who’s number 2. When you start researching about Ethereum it’s pretty freaking cool. This thing could overtake Bitcoin someday and you can mine it with a GPU. Hey I have one of those!
The card
I have a 2070 super which I got shortly after they were released for under $500. I’ve been using it for video games and it’s great. Who knew there would be a run on GPUs and the cards worth more than I paid for it!
The Pool
I quickly learn that solo mining is a fool’s game with Ethereum, you need a pool. I went with Sparkpool simply because it was the largest. As the new guy I don’t need to be trying out the newest pool, I want stability. I also wanted to stay anonymous, turns out all you need is a deposit address. Nice
The miner
Fees to use a miner? The heck? I’m not afraid of a CLI, let’s go with the free one. I download the latest Ethminer. Now we hit the first real challenge as the example configurations were all over the place. After some trial and error I settle on a .bat that does; ethminer.exe -P stratum1+tcp://[[email protected]](mailto:[email protected]):3333
We’re mining!
On Sparkpool you can search by your wallet address. After ~10min, there I am. Cool! I’m mining! Change the sleep settings on Windows and I’m mining while I sleep. Now when can I get my earnings? Let’s see they pay out at 0.1 ETH….. Let’s do some math…. Yeah that’s not happening for a long time. Ahh, they pay out on the 28th of the month even if you don’t make 0.1. Just got to wait. And this is where I was for a few weeks
On to Upgrading
I’m mining, what a fun start. I’m not in a position to put together a rig though. Maybe there’s some reasonable changes I can make
The Miner
Let’s start easy, the miner. I see post on EtherMining that Phoenixminer is just the best (I’ve since read the same thing for about 3 different miners). Ok, I don’t like the idea of a fee but I have stats at Sparkpool, let’s see what it does to the average. Around this time I found the guide on EtherMining and learned about adding commands to my .bat file for etherminer or phoenixminer as well. My .bats now start with setx GPU_FORCE_64BIT_PTR 0 setx GPU_MAX_HEAP_SIZE 100 setx GPU_USE_SYNC_OBJECTS 1 setx GPU_MAX_ALLOC_PERCENT 100 setx GPU_SINGLE_ALLOC_PERCENT 100 Turns out I do get a bit better results with Phoeixminer. Nothing amazing but it is better. And the reporting in the CMD prompt is better. I can see information on my card and hashrate. Cool! I also finally take the time to find my electricity bill to see what I’m paying. My cost per kWh is 0.09, lucky me! Plug that into mining calculators online, I’m ok. At least I’m not losing money.
How about a 3070?
Alright, this is fun and all, but what if we can could do more. My computer has some more PCIe slots. How much could I make with a Nvidia 3xxx? Turns out betterhash let’s you know. You can plug in any card there and get a hash estimate. Turns out I could make over $100 month with a 3070. At $600 the card would pay for itself in 6 months! ….There are no freaking cards for sale. Anywhere. What the heck. How late am I too this game? And the ones that are available, they want $980 for a 3070? I look deep. I make the half hour trip to Micro Center and get told to try coming in at 8am every day and I might get lucky. Not looking good. Finally I recall I used to order stuff from CDW at my old IT job. I hit pay dirt! They have a 3070! It’s expensive but it’s not $900. Card ordered! (Since then, they’ve been out of stock. I got lucky)
Upgrade issue #1
I need to make room for the 3070. My 2070 Super is a 3 fan and it’s long. There’s not room in the 2nd PCIe slot in my case for the long card. I end up moving everything around and break off some plastic from the hardrive cage, I got it in! I have a 3rd PCIE, can I put a card there? Not unless it’s super thin, the power supply is right under it. Looks like I’m limited to 2 cards for now.
Upgrade issues #2
My new 3070 is extra wide (PHY uprising edition if you care). The fans literally sit on the 2070. And with both cards in there my computer is hot! My computer feels like a heater right now. Let’s google on how to deal with heat. I learn about and download MSI Afterburner. Pretty cool tool! Not only can you see the temperature you can adjust a lot of settings on your GPU. I spin up my miner and start MSI afterburner. Ok, the 2070 is doing fine, let’s see how the 3070 is doing.. 90 degrees, ok, ok. Wait it’s Celsius, holy crap! What the heck! That’s 194 degrees F! It’s gotta be that wide ass 3070 making the fans sit on the 2nd card. The cooling air it’s sucking up is coming straight from the 2070… I switch the cards (why did I break my hardrive cage?). Now the 2070 is back in the first slot which is not ideal, I liked the idea of using the 3070 for video games.. Spin up my miner, we are doing better. Both cards are in the mid 70s Celsius. That’s fine right? Do some googling… Crap, no it’s still too hot… Time to upgrade the fans in the computer. Another half hour trip to Micro Center, I get a 140 and 120 size fan. I also get a fan controller because I noted that I only had 1 free fan plug in on my motherboard. The fan controller ends up fitting perfectly in a hardrive slot, like it was made for it. Fortunately I overbought my PSU and I have plenty of power slots for adding one offs like a fan controller. Alright, I’ve filled every Fan spot on my case, there are 5 fans going…. And there blowing wrong…. After redoing everything because I messed up the fan directions…. (Remember kids, air should flow front to back and heat rises) Let’s try again! Spin up the miners…. I’m under 70 degrees Celsius! Progress, progress. But high 60’s is still in the danger zone. Here is where I find some nice post in EtherMining on MSI afterburner settings. Raising my fan speed to almost 80, cutting my power to somewhere in the 70s, raising the memory clock to +500. Now I’m at 63 c! And my hash rate went up as a bonus!
Here I am and where I’m going
If you’ve made it this far, it’s been a learning journey for me. There are some things I can still do better at but I think I have the basics of Ethermining down. I’m happy with where I’ve gotten. I’ve also learned a ton about crypto currency. Going forward, I might change from Sparkpool but I’m still on the fence. From EtherMining I know everyone and their mother is going to Flexpool. But I’m a small player (~100 MH/s) and waiting for 0.2 ETH for payout would take a long time which is risk. And I’m not sure what the PPLNs type plan would net me. I’m also considering using the address for my ledger for my proceeds. It’s going to go there anyway and I would like to avoid fees from moving my coin around. I know ledger cautions about large amounts of small transactions but with a pool the payout is only once a month so I don’t think it applies. If the ledger can’t handle 12 deposits a year then I need to find something else anyway. You know, I might have gone big but with staking being the future of Ethereum, the rising difficulty level of mining, not really having a place to put a rig or honestly the funds for one, I think I’m going to stay a small player and just see if I can eventually pay back this 3070 I bought. In the end it’s been a ton of fun and added excitement to the monotony of being quarantined to a house all day. Thank you for the forum post and the new hobby! Were you entertained? You can always send things to 0xAD0cd237BDE28AF4Dc4E0D913285e74217384e29 (worth a shot)
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
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
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
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
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). Expires January 15th at midnight est.
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!
Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
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) 1000 CRO (approximately $170) 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
Dough
Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too). Available for iOS or Android only. Open this link from your smart phone- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
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) 1000 CRO (their special cryptocurrency, worth approximately $170) 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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