Looking for some referral apps that pay instantly in 2023?
We’ve got loads of suggestions!
You’re definitely in the right place 🙂
With technology being an ever-growing part of our life, it’s time to take advantage of the latest trend of earning money online and with money-making apps.
Many apps will allow you to earn $20 per referral via bonuses.
The best thing about referring people to these apps is that it’s completely free!
After reviewing each referral program, you must spread the word and collect your money.
We highly recommend getting the Albert App, a money app. It’s similar to Cash App or a bank account, but way better!
Albert has a debit card and savings account (no credit checks) and lets you borrow up to $250 with no interest or fees! It’s also easy & quick to sign-up!
How To Earn Money with Referral Bonus Apps
We’ve collected the best refer and earn apps to get you on your path to becoming an online money-maker.
🏆 Our Top 7 Referral Apps that Pay 2023 (Editor’s Choice)
🥇 $150 Albert App Bonus – Get a $150 sign-up bonus when you sign up with our link, set up a payroll direct deposit, and receive $500 in your account within 45 days of sign-up. Instant payout and you can withdraw the deposit and bonus to your bank account. Get the $150 Albert bonus here.
🥈 $1,000 DoorDash Driver Sign-On Bonus ($2,750+ Guaranteed Earnings) – $100 to $1,000, depending on your city, and make 50+ deliveries within 30 days. Offers may vary depending on location.
🥉 $100 Chime Bonus – Get a $100 sign-up bonus when you sign up with our link, set up a payroll direct deposit, and receive $200 in your account. Instant payout, and you can withdraw the deposit and bonus to your bank account. Get the $100 Chime bonus here.
$30 Ibotta Bonus – You get $30 when you sign up and complete offers by scanning your receipt from your favorite shopping store. Use the $10 Referral code: PJDLSCG and then earn the $20 welcome bonus here.
$5 Cash App Bonus – You get $5 when you sign up with referral code: K2VP13D and swap $5 with another Cash App user. Instant payout and withdrawal to your bank account. Get the $5 Cash App bonus here.
$20 Slide App Bonus – Get $20 in free gift cards for 300+ brands after sign-up. You get $5 in credit on your first four purchases for $20. Get a $20 Slide App bonus here.
$30 DoorDash Food Delivery Bonus – Get $30 in free food delivery at major restaurants in your local area after signing up. Get a $30 DoorDash bonus here.
$35% Fluz Bonus – Get 35% cash back shopping with referral code: CB35 at over 200+ brands. Get the 35% off Fluz bonus here.
Honeygain – Get $5 at sign up and safely share your internet connection with the Honeygain app to earn passive income.
The process of making extra cash is simple and incredibly effective.
You have to refer friends or family to a referral program (or multiple, depending on their interests), and then sit back and wait for them to make their way through the sign-up process.
There are many different types of referral bonuses that companies may offer, including:
- Real Cash Bonus
- Store Credit or Virtual Points
- Gift Cards or Vouchers
This article will mainly focus on referral apps that pay 2023 real cash bonuses.
However, some other bonus types may be included in our list of the best referral programs to make money.
You may also want to check out our 39 Instant Sign Up Bonus Apps article for additional ways to earn money.
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Best Refer and Earn Apps with Instant Referral Bonus
Talking to your friends about making extra cash sounds like an easy task.
But why not make it even easier?
Put some of these referral apps to work for you, and watch the money roll in a while doing very little!
Category List of Instant Referral Bonus Apps
This is a list of all the categories below with jump links so you can quickly navigate to your desired destination.
- Finance, Budgeting Apps & Money Tools
- Cashback Shopping Apps
- Investment Services
- Paid Survey Sites
- Side Hustle Apps
- Other Instant Referral Bonus Apps
Now, let’s look at the top apps with instant referral bonuses.
17 Finance, Budgeting Apps & Money Tools
It’s no secret that managing money can be a struggle for millennials (all of us, though, really).
However, there are solutions and helpful tools to help you stay on top of all your finances.
These apps are not only a big help when it comes to real money, but they also offer great sign-up and referral bonuses.
1. 🥇 Chime Bank – $100 Sign-Up Bonus
- Referral Earns: $100
- Referrer Earns: $100
- Bonus Type: Real cash
- Get Paid When: Instantly, after the referral receives a $200 payroll direct deposit.
- Payout Method: To your Chime Bank account (can be transferred anywhere)
- How to Sign-Up: Use this referral link
The ultra-popular Chime Bank app has one of the best referral programs that pay cash.
Chime bank has grown in popularity due to its modern banking features, such as no overdraft fees, SpotMe cash advances, getting paid early, and more.
Once you sign up with a referral link, set up a direct deposit with your employer, and receive at least $200 in your new Chime bank account, you’ll instantly get a $100 cash deposit that can be used immediately or transferred to another bank.
2. Netspend Prepaid Debit Card – $20 Sign-Up Bonus
- Referral Earns: $20 cash bonus
- Referrer Earns: $20 cash bonus
- Bonus Type: Real cash
- Get Paid When: Instantly, after the referral makes an initial $40 deposit
- Payout Method: To your Netspend account (can be transferred anywhere)
- How to Sign-Up: Use this referral link
3. Cash App – $5 Referral Bonus
- Referral Earns: $5
- Referrer Earns: $15-$30
- Bonus Type: Real cash
- Get Paid When: Instantly, after the referral sends $5 to another Cash App user.
- Payout Method: To Cash App account (can be transferred anywhere)
- How to Sign-Up: Use this Referral Link or Referral Code: K2VP13D
One of the newer apps on the market, Cash App, allows you to send and receive money from your friends.
You can also use it to buy and sell Bitcoin.
What’s great about this app is that you can earn a bonus for every friend you refer who signs up and makes their first purchase.
As a side note, Cash App recently rolled out the borrow option, allowing you to loan up to $200 as needed.
4. PayPal – $10 Instant Sign-Up Bonus
- Referral Earns: $10
- Referrer Earns: $10
- Bonus Type: Real cash
- Get Paid When: Instantly, after the referral spends or sends $5
- Payout Method: To PayPal account (can be transferred anywhere)
- How to Sign-Up: Use this Referral Link
You can use your PayPal account to send money, make purchases online or in stores, and accept payments.
They also offer PayPal credit and cash, two excellent features with major convenience factors.
When you refer others to the app, they’ll get a bonus when they sign up for their own PayPal account using your referral code.
5. Venmo – $10 Instant Sign-Up Bonus
- Referral Earns: $10
- Referrer Earns: $10
- Bonus Type: Real cash
- Get Paid When: Instantly, after the referral spends or sends $5
- Payout Method: To Venmo account (can be transferred anywhere)
- How to Sign-Up: Use this Referral Link
6. TopCashback – $10 Instant After Purchase
Referral Earns: $10
Referrer Earns: $10
Bonus Type: Real cash
Get Paid When: Instantly, after the referral makes a purchase
Payout Method: Direct deposit to your bank account, Paypal, Amazon gift card, or American Express reward card
How to Sign-Up: Use this Referral Link
TopCashback, one of the most popular cashback shopping sites, is an excellent example of an app that pays you for referrals.
When you sign up for TopCashback and refer your friends, you earn cash with bonuses.
6. Wise (formerly TransferWise)
Wise (formerly TransferWise) is a money transfer app that gives you and your friends a welcome bonus when you sign up using their referral link.
You can use Wise to send money to 97 countries without hidden fees.
7. Unifimoney
Unifimoney is a money management app that allows you to track your expenses, income, and bills.
You can also use the app to create a budget and save money.
When you refer friends, they’ll get a bonus when they sign up and start using the app.
8. Trim Financial App
Trim Financial App is one of the best referral bonus money-making apps that pay in cash.
You can earn real money by signing up and inviting your friends to download this app.
Trim is an easy-to-use, low-cost budgeting tool created to help users save money by finding all the hidden fees in their bills, allowing them to see exactly where they can trim down their spending.
The app is currently available for both iOS and Android.
9. Aspiration
The Aspiration Summit Checking account doesn’t charge fees, and you get 1.00% APY on balances up to $250,000.
Plus, you can earn cashback on your purchases when you use your Summit Visa debit card.
When you refer a friend, they’ll also get a bonus.
You can also refer friends via social media, sharing your unique link on Twitter or Facebook to earn money for every friend that opens their account.
10. SoFi Money
SoFi Money is one of the best referral apps that pay 2023 in cash.
You can earn a great bonus just by signing up and inviting your friends to use this app.
SoFi Money is an FDIC-insured checking account with no minimums, monthly fees, or foreign transaction fees.
12. BlockFi
BlockFi is an up-and-coming company shaking up the traditional client/lender relationship with its recently launched product, BlockFi Interest Account.
BlockFi’s referral program pays for each referral who takes out a loan over $10k and opens an exciting account earning 6.2% AER on their balance.
All you have to do to earn this bonus is apply for a loan with BlockFi, and when you’re applying, add your email address so that they can send you a personalized link to share with friends.
If any referrals sign up using your unique URL, you get money quickly deposited into your account.
13. Payoneer
Payoneer is a company that provides global payment services where you get paid instantly.
The referral program allows the user to receive money quickly after they sign up for free, and if their referred friends sign up using the referral link/code, both of them will receive a bonus.
It is possible to refer to your friends in 3 ways:
- You can fill in your friend’s name and email address.
- You can provide your friends’ Payoneer e-mail addresses.
- Your friends can visit the referral programs page and enter their information, and you will receive a bonus automatically once they sign up for free.
14. Amex
This app allows you to keep track of your spending, manage rewards, and receive real-time fraud alerts.
You can also redeem Membership Rewards points for statement credits, gift cards, and merchandise.
When you refer a friend, they’ll get a hefty credit when they sign up for the Amex App and make their first purchase.
15. Capital One
The Capital One Quicksilver is a standard credit card with no annual fee and an intro bonus offer for new cardholders.
The Capital One Quicksilver has many perks, including 0% intro APR on purchases and balance transfers for 15 months, no foreign transaction fees, and rewards on all purchases.
16. Discover
The Discover it Student chrome is another excellent option for students.
It offers a pretty good statement credit for each friend you refer who signs up and becomes a card member, plus they’ll get the same amount as a statement credit themselves.
17. Chase
This app helps you manage your finances from anywhere.
You can transfer money, check balances, and pay bills from anywhere with internet access and a smartphone.
When you refer friends and family to the app, they’ll get a welcome bonus once they complete their first transaction (and you’ll also receive a bonus).
9 Cashback Shopping Apps
These apps connect users with cashback opportunities for shopping online.
Then, you can refer your friends and snag a cut of their earnings when they use the app to make purchases.
1. Slide app – $20 Instant Sign-Up Bonus
Referral Earns: $20 (credit)
Referrer Earns: $20 (credit)
Bonus Type: Credit towards gift cards ($5 off each of your first 4 purchases)
Get Paid When: Instantly, after each of your first 4 purchases
Payout Method: Gift Cards and 4-6% cashback via PayPal
How to Sign-Up: Use this Referral Link or Referral Code: j4jri
The Slide app offers cashback on gift cards at over 300+ retail locations.
You get $20 in credit towards instant gift card code purchases and 4-6% cashback on all gift cards.
You get the gift card code instantly and can apply it online or in-store at checkout.
2. Drop – $5 Instant Sign-Up Bonus
- Referral Earns: $5 (5,000 points)
- Referrer Earns: $5 (5,000 points)
- Bonus Type: Points you can redeem for gift cards
- Get Paid When: Instantly, after sign-up
- Payout Method: Gift Cards
- How to Sign-Up: Use this Referral Link or Referral Code: j4jri
Drop is a shopping app that allows users to earn up to 10% cashback on online purchases.
3. Rakuten – $30 Bonus After You Spend $30 At Any Brand
- Referral Earns: $30
- Referrer Earns: $30
- Bonus Type: Real cash
- Get Paid When: Instantly, after spending $30 at any brand (plus cashback on the purchase)
- Payout Method: PayPal or check via the U.S. Mail
- How to Sign-Up: Use this Referral Link
Rakuten (formerly known as Ebates) is one of the top apps that pay out a real cash bonus for shopping.
As a Rakuten member, you can earn up to 40% of your friend’s spend on the site.
4. Fetch Rewards – Get $2 Instantly After Sign-Up
- Referral Earns: $2
- Referrer Earns: $4
- Bonus Type: Points you can exchange for real cash or other rewards
- Get Paid When: Instantly, after sign-up (plus cashback on the purchase)
- Payout Method: Visa cash card, gift cards, and merch
- How to Sign-Up: Use this Referral Link
If you’re looking for an easy and convenient way to make some extra money, Fetch Rewards is a great option.
This app allows you to earn rewards for shopping at your favorite stores, including Walmart, Target, and Costco.
Plus, there’s no limit to how much you can earn!
5. Shopkick
Shopkick is a referral program that offers shout-outs and rewards for referring friends to shop online via their apps.
Shopkick is now available as an iPhone app or Android app. However, it can also be accessed from the web.
To earn Shopkick points, users must walk into designated stores and scan products with their phone’s camera.
In addition, users can also earn points for making purchases online or in-store, referring friends, and watching videos.
6. Ibotta – Get a $30 Instant Sign-Up Bonus
Referral Earns: $30
Referrer Earns: $10
Bonus Type: Real cash ($10 referral + $20 Welcome Bonus)
Get Paid When: Instantly, after completing one offer in-app
Payout Method: Bank account and gift cards
How to Sign-Up: Use this Referral Link
Ibotta is a referral program that can be accessed from both the web and mobile apps.
Users can earn rewards by uploading receipts from grocery shopping, referring friends to download the app, inviting them to shop at specific stores, and completing daily challenges.
7. Dosh – Get a $10 Sign-Up Bonus After Any Purchase
- Referral Earns: $10
- Referrer Earns: $10
- Bonus Type: Real cash
- Get Paid When: Instantly after making a purchase (plus cashback on the purchase)
- Payout Method: Bank account, PayPal, or Venmo
- How to Sign-Up: Use this Referral Link
Dosh is a free app that acts as your cashback portal.
Redeem cash rewards by either printing out a physical gift card or letting Dosh know where you’d like your money paid to your PayPal account.
The app Dosh gives you points for every dollar you spend at partnered stores, which you can redeem for gift cards or cashback.
There is no limit to the number of friends you can refer, so this is an easy way to make some extra cash just by sharing your referral code with your friends.
8. Pei
Pei is a money-saving app that gives you cashback on your everyday purchases.
There is no limit to the number of friends you can refer; they will also receive a bonus for signing up.
9. MyPoints
This app is a great way to make a little extra cash.
The best part is that you can do it without leaving your house!
All you need to do is sign up and start referring your friends.
You’ll get points for every referral you can redeem for gift cards or cash.
5 Investment Services
These apps are investment-based and offer pretty hefty cash rewards through the referral bonus process.
Let’s check out some of the best & most popular options.
1. Wealthsimple
Wealthsimple is a Canadian online investment management company.
When you refer your friends to Wealthsimple, they’ll get a $10 bonus when they sign up and make their first deposit of $100 or more.
You can earn points for every referral, which can then be redeemed for gift cards, cash, or donations to charity.
2. Robinhood
Robinhood has a referral program.
It pays $5 if you make a referral, and they invest at least $1000 using the link you or your friend provided.
After getting three referrals to create an account, Robinhood will also offer a free stock share.
3. Questrade
Questrade is a Canadian investment brokerage company that allows people to invest in cryptocurrency.
Questrade has created an offer to reward new clients where users can enjoy a free $50 in Bitcoin after purchasing and depositing $500 into their account.
4. Acorns
The Acorns app is a micro-investment app that allows users to invest their spare change from everyday purchases.
The platform uses technology to make saving effortless by rounding up daily transactions and investing the difference into a personalized investment portfolio based on risk preference.
The Acorns app pays a bonus to users who refer others, and the friend will also receive a free investment account.
5. Blooom
Blooom is an online 401k advisor that helps people save for retirement.
You and your friend will receive a $10 Amazon gift card for every successful referral bonus.
There is no limit to the number of referrals you can make.
6 Paid Survey Sites
There are many paid survey sites that you can use to make some quick cash, and all you need is a computer or smartphone.
Check out one of these money-making apps if you want to earn money right now.
Most of them provide a welcome bonus to earn money just for signing up, then their app referral program also rewards you for each additional person you refer to their mobile app.
Let’s check out some of the best of these highest-paying survey sites.
1. Swagbucks
This app gives you points for various activities like watching videos, taking surveys, and shopping online.
You can redeem your points for gift cards, cash, or other prizes.
You can also earn points by referring friends, and they will also receive a bonus when they sign up and start using the app.
2. Survey Junkie
One of the highest-rated survey sites offers a referral program that pays you for every person you refer who signs up and completes a survey.
You can also earn money with their mobile app by completing surveys yourself.
Plus, they have tons of options for paid surveys!
You’re bound to find something that interests you.
3. PrizeRebel
This site is a great way to earn free gift cards and other prizes.
You can earn points for completing online surveys, watching videos, and signing up for offers.
You can also earn points by referring friends, and they will receive a bonus when they sign up and start using the site.
5. InboxDollars
InboxDollars is a website that pays users for completing tasks such as watching videos, taking surveys, and shopping online.
You can also earn money by referring friends – for every person you refer who signs up, you’ll both earn a bonus.
6. Vindale Research
This research company will pay you to take surveys, review products, and participate in focus groups.
You can also earn free money by referring friends, and they’ll receive a bonus when they sign up and start using the site.
11 Side Hustle Apps
If you’re looking for some referral apps that pay in cash, check out some side hustle apps.
Each app offers a bonus for every friend you refer who signs up and completes their first transaction.
I’m sure you’ll find the best app referral program that fits your interests and needs.
1. DoorDash Driver – Get up to $1,000 Sign-On Bonus (+$2,750 Guaranteed Earnings)
- Referral Earns: $100 to $1,000, depending on your city
- Referrer Earns: $300 for all friends who sign up and make 50+ deliveries within 30 days
- Bonus Type: Real cash
- Get Paid When: Instantly, after a specified number of deliveries in a specific timeframe.
- Payout Method: Direct deposit to a bank account
- How to Sign-Up: Use this Referral Link
DoorDash is a food delivery service that allows you to make money by delivering food from your favorite local restaurants.
You can also earn money by referring friends to this app.
You’ll get a bonus for every friend you refer who completes a delivery or orders food.
When your friend orders through DoorDash using your referral code, they’ll also receive a free delivery credit.
2. Honeygain – $5 Sign-Up Bonus
- Referral Earns: $5 (5,000 credits)
- Referrer Earns: $5 (5,000 credits)
- Bonus Type: Credits you can exchange for real cash
- Get Paid When: Instantly, after sign-up
- Payout Method: PayPal
- How to Sign-Up: Use this Referral Link
You can make a nice passive income when you share your internet with the Honeygain app.
They encrypt all connections and never access your data.
The more devices you install the app, the more you can make.
3. Rover
Rover is an app that connects dog owners with people looking for part-time or full-time jobs as pet sitters.
You can earn even more money by referring friends to this app.
All you have to do is add your email address and get a unique referral link.
You can use this link to share on social media, in newsletters, or by email directly to friends and family.
The more people sign up using your referral code, the higher Rover will pay you.
4. Instacart
If you want to make money on the side, sign up for Instacart and refer your friends.
When you refer a friend who goes on to complete their first delivery with this app, you’ll get cash deposited into your account.
Your friend will also receive a credit to use on their first order.
Additionally, for every five friends you refer, you’ll get extra money deposited into your bank account.
5. Lyft
Lyft is a mobile app that anyone can download and use to request rides from local drivers.
For Lyft to fill all its driver positions, it offers your friends or family members a generous bonus if they sign up as drivers.
6. BlueHost
BlueHost is a famous web hosting company that’s been around since 1996.
And they’re still going strong, thanks to their rock-solid customer service and affordable prices.
If you’re looking for a great web hosting company, BlueHost is a great option. And if you refer your friends, you can make some extra cash.
7. Turo
If you’re looking for referral programs that will pay you in cold, hard cash, check out Turo.
This company offers a fantastic bonus for both the person referred and the person being referred.
You can even use your referral money to snag a free rental car!
8. Airbnb
Airbnb is a popular app that allows people to find rooms and apartments for rent worldwide.
You’ll get travel credit when you refer a friend who goes on to book a stay through Airbnb.
Your friend will also get travel credit for their first booking.
9. Tailwind
If you’re looking for an app that pays a real cash referral bonus, look no further than Tailwind.
This app is perfect for anyone who wants to start or grow their Instagram following.
Not only will you get paid for referring friends, but you’ll also get rewarded for the number of followers you bring on board.
10. Decluttr
If you’re looking for an easy way to make some extra money, Decluttr could be the app for you.
This app lets you sell your old CDs, DVDs, games, and books quickly and easily.
You can even get paid cash for your old smartphones and tablets!
You need to scan the barcodes of items you want to sell, and Decluttr receives the information.
You are then paid by check or through your PayPal account.
It’s quick, easy, and a great way to make money on your stuff that is just collecting dust in your home.
And of course, you can also earn real money for referring others.
11. Flex Offers
Referral programs are a great option if you’re looking for an easy way to make a little extra cash.
In most cases, you need to refer your friends and family to the product or service, and you’ll get a bonus for each sign-up.
There are several different referral programs, but Flex Offers is one of the best.
With this program, you’ll earn points that you can trade in for great products like Amazon gift cards or even cash payouts, and all you need to do is share your unique referral link with friends and family.
3 Other Instant Referral Bonus Apps 2023
Several instant referral bonus apps are available 2023, and most offer a pretty great payout.
1. T-Mobile
T-Mobile’s bonus is for each new line activated, and if your friends purchase a new device on an equipment installment plan, you’ll receive a free year of Hulu.
This bonus system is easy to use; you must enter their information when prompted during the signup process.
2. Xfinity
Xfinity offers a bonus to anyone who refers friends and family to their services.
All you have to do is go into your Xfinity account online and add the referral code when prompted, where it asks for the area code of the person you’re referring.
3. thredUP
If you refer a friend who signs up and makes a purchase with thredUP, you’ll get money off your next purchase.
And if you refer three friends, you’ll get additional credit, which is basically like getting your clothes for free!
thredUP is an excellent service that gives you cash for your gently used clothes and then passes the savings on to your friends.
Refer a Friend for Money FAQs
Using a referral link to refer friends is one of the best ways to make passive income with a free account that will pay cash to you as a side hustle.
Here are some common questions about referral programs, referral links, refer a friend, and referral money topics.
What Apps with Referral Bonus 2023 will Pay Immediately?
There are a lot of different referral programs to make money out there, and most of them work in slightly different ways. But, generally speaking, most referral programs will credit your account with the bonus once your friend has completed their first purchase. Some apps with referral bonuses may even require that your friend signs up through a special link that you provide to credit your account.
Which Referral Bonus Apps Give Real Money?
Cash App is one of the best app referral programs that give you real money for referrals. For each person that you refer to the Cash app who signs up and completes at least one transaction, you will earn $5. Your friend will also get a $5 bonus, so it’s a great way to start building your savings! Cash App is well-known for being one of the best free money referral apps.
How Can I Use Referral Programs?
Recommended websites are those that you use because of their experience. Some of these referral programs have varying benefits. Sometimes, it is necessary if another client has already referred you. Sometimes you can also refer people who don’t currently exist to the company’s clientele. Sometimes it will be necessary to log into an account to access it, but it may be less complicated to register. Several programs offer free referral links to your website if you provide your email and name. The most effective way to promote your programs is to use your Facebook profile.
How Can I Earn Money Through Referral Links?
A great many businesses are currently using referral schemes for their customers. If your account has already been signed up, you can receive an affiliate link and be paid as a reward by referring friends or relatives. To earn e-commerce income, invite other visitors using the links and referral codes provided in their accounts. Bloggers use a website to reach hundreds of people and use referrals to monetize their content.
How to Earn Money with Referral Bonus Apps?
Let us show you some of the easiest referral apps to start generating online revenue from. Making money is easy and extremely efficient. Just send friends or relatives to the referral program (or several, depending on interest) and sit down and wait until they complete the registration steps. There are many different kinds of referral bonuses that businesses can offer, including the ones described above.
Why Do Companies Pay Referrals?
Online sites aren’t just paying you for their heart’s worth. If you refer friends to join a company, they can help them find members. Everyone is going to win. It’s a good business to have a lot of users. You receive a referral bonus, and a friend may also get a referral bonus.
How Do I Get a $15 Cash App Referral?
Earn bonuses from friends when a friend sends more than $5 via their new Cash App account.
What Apps Pay the Most for Referrals?
Chime offers a $100 bonus for referrals and is one of the highest payouts available. Honeygain is a passive income app that pays you 10% if someone brings you money on the platform. Your buddy can earn five bucks by joining via the link on our site. Personal Capital has an excellent referral program as well.
Thank Goodness for your post. I did the Cash App sign-up and got the referral bonus right away. Thank you.