Many apps offer sign up bonuses from $2-$100 if you use a referral code or referral link from a friend when you sign up. However, you might not have a friend using the app before you which means you don’t get the free bonus money. If that’s your situation – don’t worry because I’m here to help.

To help those of you who love getting free stuff I’ve listed all of my referral codes here so you can take advantage of the free referral bonuses! For most of these when you use my link or code I get the exact same amount in my account so thank you for using them to support this work!

Investing Apps

Cash App – Use this referral code RSJQKLK on this link to get $5 free on Cash App when you send $5 after signing up.

Coinbase – Use this referral link to get $10 of free Bitcoin on Coinbase when you buy or sell $100 in any crypto.

M1 Finance – Use this referral link to get $30 bonus when signing up to invest at M1 Finance after contributing a certain amount to the account.

Robinhood – Use this referral link for one free stock on Robinhood when you sign up for an account (will have my husband’s name). With this one you don’t have to deposit anything to get the free stock.

Savings & Cash Back Apps

Fetch Rewards – Use referral code MV7RR when you sign up for minimum $2 toward your balance to purchase gift cards.  Fetch Rewards tutorial and review post.

Get Upside –

Ibotta – Use this link with referral code vernepp for $10 when you sign up for a bonus in your account from $10-$40 depending on promotions.

Rakuten – Use this link to sign up for $30 sign up bonus when you start a Rakuten account to earn cash back for shopping online.


Check the details when you sign up for any of these as it changes often so the bonus may have changed! I try to update this list often to reflect changes but referrals may have changed since my last update.

I’ll list new apps as I try them out and feel they are worthwhile to use via safety and features. I only list apps I personally have used or would recommend to a family member.

Why Am I Sharing These?

First of all, these apps earn me a lot of money by using them and I love to share ways I’ve saved or earned money. Then referrals earn me money too! For every sign up you get a bonus and so do I!

Just like the sign up bonuses you receive, the ones I get for referring people also range from $2 to $50. It’s usually the same amount you receive when you sign up.

Second, not enough women in personal finance were sharing their codes. I wanted to sign up for a SoFi invest account and get the $50 bonus in early 2021, so I searched for a referral link. I actively wanted to give my referral to a women investor but I came up very frustrated after scrolling through several pages of listings on Google and YouTube all run by males.

Women invest money too and it shouldn’t be so hard to find and support women investors, and sharing referral code as and talking about platforms is part of that. I wanted to support a woman investor so I’m sharing all of my codes for those who might want to do the same. Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

Finally, because it helps you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating!

Putting these referral codes and links out there can help others avoid that situation and I get a little bit of a kickback that helps me continue running this website to provide financial education. I love being able to give others free money!