If you’re a fan of MoneyLion and its referral program, you may be curious about other financial apps that offer free cash incentives. In today’s digital age, numerous financial platforms provide users with opportunities to earn extra money through various means, such as sign-up bonuses, referral programs, or cashback features.
In this article, we’ll explore 13 popular apps like MoneyLion that reward users with free cash, allowing you to make the most of your financial journey while potentially earning some extra income. These platforms cater to a wide range of financial needs, including banking, investing, loans, and more.
So, whether you’re looking to maximize your savings, grow your investments, or simply earn cashback on everyday purchases, there’s likely an app that suits your needs. Keep reading to discover these fantastic MoneyLion alternatives and how you can benefit from their free cash opportunities.
1. Chime Chime a mobile banking app that offers fee-free checking and savings accounts, along with a Visa debit card. Users can benefit from early direct deposits, fee-free overdrafts, and automatic savings tools. Chime is one of the apps like MoneyLion that aims to provide a seamless banking experience with a user-friendly platform, making it easy for individuals to manage their finances without the hassle of traditional banks.
Sign-up Bonus As a new user of Chime bank, you can enjoy a $100 bonus when you use a Chime referral link to open a checking account and set up a direct deposit within 45 days. To receive the Chime sign-up bonus, ensure that you open a new Chime account using this Chime referral link and establish a direct deposit of at least $200 within 45 days of opening your account. This offer not only gives you an attractive reason to join Chime but also lets you experience the convenience and benefits of Chime’s mobile banking platform while earning some extra cash.
Referral Program Chime offers a referral program that rewards both new and existing users. When you refer a friend to Chime, and they meet specific requirements, such as setting up a qualifying direct deposit within a given time frame, you both receive a cash bonus. As of Feb 2024, the Chime referral bonus is $100 for each person. You can find more details about the Chime referral program in this referral article.
2. Varo Varo is a mobile banking app that provides users with fee-free checking and savings accounts, a Visa debit card, and early direct deposits. The app also offers automatic savings tools and no minimum balance requirements, making it an attractive option for those looking to simplify their banking experience and avoid unnecessary fees.
Sign-Up Bonus When you sign up with a Varo referral link, you can earn a $30 Varo sign-up bonus. To get this bonus, use a valid Varo bank referral link and make qualifying purchases totaling at least $20 within 30 calendar days of opening your new account. These purchases must be made using your Varo Debit Card, and cash withdrawals and third-party transfers do not qualify. You’ll receive your $30 sign-up bonus within 4-7 business days after making your qualifying purchases, providing a welcome boost to your new account.
Referral Program Once your account is up and running, you can start sharing your Varo referral code with friends and family. Varo allows you to refer up to 5 people per calendar year, offering a generous opportunity to earn extra cash. You’ll receive a $30 credit for each person you successfully refer through your Varo bank referral link . Here’s a step-by-step guide on how to get the Varo referral bonus.
3. SoFi SoFi is a versatile financial platform that addresses various needs. It offers SoFi Money, a high-interest cash management account, and SoFi Invest, a commission-free platform for stocks, ETFs, and cryptocurrencies. SoFi Relay also provides budgeting and credit score monitoring to maintain financial health.
Additionally, SoFi offers student loan refinancing options for borrowers to save money and pay off loans faster. Personal loans with competitive rates and flexible terms are available for extra funds. With its diverse products and services, SoFi allows users to manage finances, from saving and investing to budgeting and borrowing, all in one platform.
Sign-Up Bonus The SoFi sign-up bonus varies depending on each program. We’ll outline them below.
SoFi Checking Referral: The SoFi Checking (or SoFi Money) referral program rewards new users with up to $275 when they meet specific direct deposit requirements. To earn the $25 bonus (easiest), new users must deposit at least $10 in their SoFi checking account within 14 days of account opening. For the $250 bonus, a qualifying direct deposit of over $5,000 is required. If the direct deposit is between $1,000 and $4,999.99, the bonus is $50. You can use this SoFi Checking Referral Link.
SoFi Credit Card Referral: The SoFi Credit Card referral program grants new users 5,000 reward points (worth $50) when they open a credit card account with a SoFi Credit Card referral link.
SoFi Invest Referral: The SoFi Invest referral program offers new users a free stock worth $25 when they open a SoFi Active Invest account and fund it with at least $100. You’re free to use our SoFi Invest referral link to get $50 in reward points toward your financial goals.
SoFi Personal Loan Referral: The SoFi Personal Loan referral program rewards both new and existing users $300 for every successful referral. Here is the SoFi Personal Loan Referral Link.
SoFi Student Loan Referral : The SoFi Student Loan referral program also pays both new and existing users $300 for each successful referral. To be eligible, new users must refinance their student loan through SoFi. Use a working SoFi Student Loan Referral Link to claim your bonus.
Referral Program SoFi boasts a referral program that rewards users for introducing friends to its diverse services, including SoFi Money, SoFi Invest, and SoFi loans. The referral bonus fluctuates depending on the service, but it can range from $25 to $300 per referral. For more information, checkout this article about SoFi’s comprehensive referral program .
4. Acorns Acorns is also one of the user-friendly micro-investing apps like MoneyLion that enables users to effortlessly invest spare change from daily purchases. Offering automated investing, checking, and retirement accounts, Acorns also provides valuable financial education resources, empowering users to effectively manage their finances.
Sign-Up Bonus Acorns rewards you with a $5 sign-up bonus when you open an account. To qualify for this bonus, you must sign up using an Acorns referral link and make an initial investment of just $5 in an Acorns Invest, Later, or Early Portfolio Account within 14 days of account opening. It’s essential to maintain the initial investment for at least 30 days to receive the Acorns referral reward.
Referral Program Acorns offers a referral program that benefits both you and your referred friends. When you invite friends using your Acorns referral link, and they sign up and meet the promotional terms and conditions, you both receive a free $5 reward. Your referrals must make an initial $5 investment and maintain that investment for at least 30 days to earn the bonus. To learn more about the Acorns referral program’s terms and conditions, you can refer to this Acorns referral article.
5. M1 Finance M1 Finance is an innovative investment platform that merges robo-advisory services with customizable portfolios, allowing users to tailor their investments to their preferences. It offers features such as automated investing, fractional shares, and a unique “pie” investing strategy that enables users to allocate their funds efficiently.
Sign-Up Bonus M1 Finance offers a $100 sign-up bonus for new users who open an account using an M1 Finance referral link. To qualify for this bonus, you must fund your account with either $100 or $500 within 30 days of opening it. The required initial deposit depends on the type of account you open; individual accounts need a $100 deposit, while retirement accounts require a $500 deposit.
Referral Program The M1 Finance referral program rewards both you and your friends for successful referrals. When you share your unique M1 Finance referral code, and a friend or family member opens an M1 Invest account and deposits at least $5,000 within the first 30 days, both you and your referral will receive an extra $100 to invest. After the funds have been in your referral’s account for 30 days, you’ll both receive your bonuses within 7-14 business days.
6. Cash App Cash App is a peer-to-peer payment app that enables users to send and receive money, invest in stocks and cryptocurrencies, and obtain a customizable debit card for everyday use. It simplifies the process of managing finances and investments, making it an attractive option for those seeking an all-in-one financial solution. Furthermore, apps like MoneyLion and Cash App’s user-friendly interface and seamless transactions make it easy for people to stay on top of their finances. The app also includes security features and instant notifications to ensure that users have a safe and convenient experience while managing their money.
Sign-Up Bonus Cash App offers a $5 sign-up bonus for new users who register using the Cash Referral Code FRLSRVM. To qualify for this bonus, you must link a debit card or bank account to your Cash App account and send $5 to another Cash App user within 14 days of signing up.
Referral Program The Cash App referral program rewards users for inviting friends to join the platform. As of May 2023, when you invite someone to join Cash App using your referral code, you could receive up to $30 in free cash. The referral bonus amounts are randomly assigned based on the user’s location and can range from $5, $10, $15, or even $30.
7. Robinhood Robinhood is a popular online brokerage platform that offers commission-free trading in stocks, options, and cryptocurrencies. It has become well-known for its user-friendly interface and accessibility, making it a favorite among novice and experienced investors alike. The platform also provides a variety of educational resources and tools, helping users make informed decisions and develop their investing skills. Additionally, Robinhood’s sleek design and intuitive functionality make it easy for users to navigate and manage their investments efficiently.
Sign-Up Bonus Robinhood offers an attractive sign-up bonus for new users in the form of a free stock. When you open an account using a Robinhood referral link, you can receive $5-$200 worth of fractional shares from some of America’s top companies. This provides an excellent opportunity to start building your investment portfolio with minimal upfront costs.
Referral Program Robinhood’s referral program rewards existing users with free stocks for referring friends to the platform. The value of the stocks received can vary, but it generally ranges from $5 to $200 per referral. By sharing your Robinhood referral link, you can earn up to $1,500 in free stocks each year, providing a lucrative incentive for introducing others to the world of commission-free trading. Learn more about the Robinhood referral program here.
8. Upgrade Upgrade is a versatile online lending platform that provides personal loans, lines of credit, and a Visa credit card with cashback rewards. It is designed to help consumers gain better control of their finances and meet their financial goals with flexible borrowing options.
Sign-Up Bonus Upgrade offers a $100 welcome bonus for new users who sign up through an Upgrade referral link. To be eligible for this bonus, you must make three qualifying debit card purchases within 60 days of opening your account. This generous bonus serves as a great way to supplement the cashback rewards earned through the Upgrade card.
Referral Program Upgrade’s referral program allows existing users to earn a $100 bonus for each customer who signs up through their referral link and same thing with the sign-up bonus, completes three purchases on their Rewards Checking debit card within 60 days of account opening. By taking advantage of the Upgrade referral program, you can earn up to $1,000 per calendar year, with a maximum of 10 qualified referrals. To qualify for a referral bonus, your account must be in good standing.
9. Current Current is a mobile banking app designed to meet the financial needs of its users, offering a checking account, a Visa debit card, and a variety of features such as early direct deposit and cashback rewards. With Current, you can efficiently manage your money and benefit from the convenience of a user-friendly platform.
Sign-up bonus To start off your Current account with a $50 bonus, sign up using our Current referral link or use the Current referral code: SALEHR958 . To qualify for the bonus, you need to deposit at least $200 into your account within the first 45 days of opening it. This initial deposit will not only grant you access to the platform’s features but also secure the bonus cash.
Referral Program Once you’ve set up your account, you can earn even more by referring friends and family to Current. For each successful referral who signs up using your Current referral code and deposits at least $200 into their account, you’ll receive a $20 credit. This referral program offers an excellent opportunity to spread the word about Current while earning extra cash. For more information on how the Current referral program works and how to maximize your earnings, read our comprehensive guide here.
10. Juno Juno is an innovative online banking platform that offers high-yield savings accounts and cashback rewards in the form of JCOIN. With Juno, you can enjoy a seamless banking experience while maximizing your savings and earning potential. In addition to its attractive interest rates, Juno provides a user-friendly interface and cutting-edge features that make managing your finances a breeze. The platform also prioritizes security, ensuring that your money and personal information remain safe at all times. By offering a combination of competitive rates, cashback rewards, and a streamlined user experience, Juno sets itself apart as a compelling option for those looking to enhance their financial journey.
Sign up bonus When you sign up for a Juno account using our Juno referral code: M1R1IE6D , you can take advantage of a special offer. By adding at least $50 to your Juno wallet, you’ll receive a $10 bonus along with 500 JCOIN. This welcome bonus serves as an excellent incentive to start your financial journey with Juno.
Referral Program Just like all the apps like MoneyLion mentioned above, as a Juno account holder, you’ll have access to your own unique Juno referral link, which you can share with friends and family to invite them to join the platform. When someone signs up using your referral link and deposits at least $50 into their account, both you and the referred party will receive $10 and 1,000 JCOIN each. The more friends you refer, the more bonuses you can accumulate, making Juno’s referral program an excellent opportunity to boost your earnings while sharing the benefits of this innovative banking platform.
11. Fairwinds Fairwinds is a financial institution that equips you with the tools needed to achieve your financial milestones, whether it’s saving for a house or taking control of your finances. With high APY and lower APR rates, Fairwinds enables you to save more and eliminate debt. As a Fairwinds account holder, you gain access to an array of short-term loans and financial tools designed to simplify saving money. Fairwinds empowers you to save more, eliminate debt, build wealth, and live generously by offering a diverse range of financial products, including loan services, wealth management, insurance, and personal accounts.
Sign-Up Bonus By signing up for an account using a Fairwinds referral link, you can receive a $100 bonus credit. To qualify for this bonus, you must deposit at least $200 into your account within the first 45 days of opening it.
Referral Program Upon creating and funding your Fairwinds account, you will receive your own unique Fairwinds referral link. Each user’s referral link is different, and you can access yours by navigating to your profile and selecting “Refer & Earn.” Once you have your referral link, you can share it with friends and family. Both you and the person you refer will be credited with a $100 bonus when they register using your Fairwinds referral link and deposit at least $200. You can earn up to $1,000 per calendar year in referral rewards with the Fairwinds referral program.
12. Novo Novo is a user-friendly online banking platform designed specifically for businesses. It is built to streamline your business operations, partnering with e-commerce and international transfer platforms such as Stripe, Square, Shopify, and Wise. The platform offers unlimited free transactions within the US and collaborates with Wise for seamless international transfers.
Sign-Up Bonus Use our Novo bank referral code: SalehRamezani to receive a $40 bonus when opening a business account. To qualify for the sign-up bonus, ensure you have never had a Novo account before and enter our referral code during the sign-up process. After your account is approved, deposit at least $100 within the first 30 days and maintain an average balance of $100 or more for the next 30 days.
Referral Program Once you have opened a Novo business checking account, you will be given a unique Novo referral link or Novo referral code to share with others. For each qualified Novo referral you make, you will receive a $40 bonus. Your referred friends will also earn the same referral amount once they complete the necessary requirements.
13. Albert Albert is a financial management app that aims to simplify your personal finances by providing a comprehensive platform for tracking and optimizing your financial health. The app allows users to monitor various aspects of their finances, including account balances, net worth, and spending habits. One of the standout features of Albert is the ‘Smart Savings’ function, which employs an algorithm to analyze your spending patterns and automatically save small, manageable amounts every week.
Sign-Up Bonus When you sign up for Albert using our referral link, you can receive a $150 credit. To qualify for this bonus, you must sign up through the referral link provided and meet several criteria. Firstly, you need to receive a qualifying direct deposit of $500 or more within 45 days of signing up with Albert. Additionally, you must make a qualifying deposit of $500 or more every 30 days for a continuous 90-day period. Lastly, you should spend $200 or more on products or services every 30 days within the same 90-day span. By meeting these requirements, you can take full advantage of the Albert sign-up bonus offer.
Referral Program Once you have set up your Albert account, you can take advantage of the Albert referral program. By referring friends to Albert using your unique referral link, both you and your friend can benefit from a bonus. When your friends sign up through your Albert referral link, you may earn a $150 bonus in your Albert cash account.
To successfully receive your Albert referral bonus, ensure that your referrals meet all the required criteria. To learn more about the Albert referral program and how it works, read the comprehensive guide here.
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