You are currently viewing 11+ Best Apps That Pay You to Refer Friends (Tried & Tested)

11+ Best Apps That Pay You to Refer Friends (Tried & Tested)

One of the easiest ways or probably the easiest way to make money online is to refer your friends to products or services that you already use. There are several programs that offer a referral bonus to anyone. Here are 11+ apps that pay you to refer friends

From digital payment apps to investments and savings apps to cryptocurrency apps, every app on this list will pay you to refer friends – anywhere from #200 to #10,000.

Although they won’t make you a millionaire, many of these services offer a sign-up bonus as well! You can make #4000 today – just by signing up for each of the free services offered on this site. Then, you can earn more for each friend that you get to install these apps. If you know the right people, you can make over #50,000 from referring a single friend, seems unbelievable right? Read till the end to see for yourself.

11+ Apps that Pay a Referral Bonus

For ease of filtering, I have divided this list into multiple categories based on the nature of the apps.

Finally, if you realize that I’ve missed one – let me know in the comments section below and I’ll join it through your link!

Digital Banking Apps

#1. Branch

Apps that Pay You to Refer Friends
Apps that Pay You to Refer Friends

Branch is a Digital banking app where you can purchase airtime, buy data, pay for electricity and your cable subscription. It also offers you unlimited free transfers and individual loans to fund your own needs.

Branch has a referral program where you can earn N250 per referral and the person you referred will also get N250 so it is a win-win for all. The more individuals you refer, the more cash you will have.

Getting Started with Branch
  • Download the branch app here
  • Complete the sign up process and deposit N300 via any method of your choice
  • Then input HAMMED315A6 as your promotion code to get your N250 sign up bonus
  • Navigate to “Invite”tab and copy your Promotion Code
  • Make sure your friends use your promotion code so that both of you will get N250 each

#2. Carbon

Carbon is another digital banking app that can be used to purchase airtime, pay for electricity, funds transfer, savings, and investments. This was earlier known as PayLater. On past occasions, Carbon offered credits to its clients. A couple of years back, it changed the terminology to Carbon, and with that change came a lot of functionalities.

Carbon has a referral program and the sum per reference is N500 which you get when they reimburse their first credit

Getting Started with Carbon
  • Download the carbon app from the Google play store here
  • Verify your details and upgrade your account
  • Head over to “Account” tab and tap on “Refer a friend”
  • Share your referral link with friends and earn N500 in your account immediately your referral repays a loan on time

#3. Chipper Cash

Chipper Cash is a digital financial service platform that provides a range of financial services, including the purchase of airtime, data, electricity payments, and lots more. Chipper Cash is currently available in Nigeria, Kenya, Ghana.

Chipper Cash has a referral program that offers you N400 per referral. You will earn N400 and the person you referred will earn N250 when N250 is deposited into their Chipper Cash account.

Getting Started with Chipper Cash
  • Download the Chipper Cash app from the Google Play store here
  • Select your Country and complete the registration process
  • Verify you Account
  • Navigate to “Earn” tab and click on”Ïnvite a Friend”
  • Share your Link with Friends
  • You’ll get N400 and your friends wil get N250 when they verify their account and sends N250

#4. Opay

OPay is a one-stop mobile-based platform to send and receive money, pay bills order food and groceries, and other important services in your everyday life.

Opay has a referral program where you can earn up to N550 per referral and the person you referred will get up to N350 bonus

Getting Started with Opay
  • Click here to sign up for Opay
  • Register your phone number by clicking here (The First zero must be ommited when registering)
  • After you have provided your phone number click on the Google Play Button below the box
  • Then you will be redirected to a page to download Opay app
  • Now login with the phone number you just provided
  • Navigate to the “Me” tab
  • Click on your profile and upgrade your Account to KYC2
  • Add a minimum of N150 to your Opay account
  • Transfer money to another opay account using your own opay account number
  • Navigate to “Home” and click on “Ëarn Money”
  • Share your link with friends and earn cash when they complete the tasks below

#5. JumiaPay

Apps that Pay You to Refer Friends
Apps that Pay You to Refer Friends

JumiaPay is an online marketplace that allows you to recharge your phone, pay utility bills, make hotel reservations, and more.

JumiaPay has a referral program that gives the referrer free N500 when the referee makes a purchase of N500 and above

Getting Started with JumiaPay
  • Download the JumiaPay app Here
  • Launch the app immediately after downloading
  • Fill in the required info and complete the registration process
  • Purchase airtime of N500 above and get 20% discount when you use the code WELCOME20
  • Navigate to the “Invite a Friend” tab
  • Copy your referral link and share with friends

#6. Kuda

Kuda Bank is one of the virtual bank apps in Nigeria. This bank only operates online with no physical branches in Nigeria. It is widely accepted by many as a result of the reduction in charges charged by this fintech company. Like all other physical banks, you can buy airtime, send money to friends as well as pay bills with the bank app.

Kuda bank will pay you 200 naira for every single person who opens a Kuda account through your referral link and you’ll get paid ]weekly. This means you’ll be paid for all the referrals you make in a week at the end of that week. Well, that’s a lump sum that goes straight to your Kuda account.

Getting Started with Kuda
  • Open a Kuda account here
  • Sign up with your email address, phone number and a photo of your face.
  • Verify your BVN and add a minimum of N100 to your Kuda wallet
  • Navigate to the “More” tab and click on Referrals
  • Copy your referral link and start sharing

Investment Apps

#7. Piggyvest

Piggyvest is a savings app that allows you set aside cash for emergency days or for that task or thing you wish to buy, you could likewise save only for saving

Apps that Pay You to Refer Friends

While saving, you will appreciate the interest in your saved funds. These interests come consistently, and they are far superior to what your business bank gives you.

You will also earn cash for referring your family and friends to use Piggyvest. Any individual who joins Piggyvest using your referral link and finishes their profile gives you, and that individual N1,000 each. The cash will be opened to your record when the individual satisfies all the signing up requirements

Getting Started with Piggyvest
  • Download Piggyvest on Google Playstore
  • Complete the sign up process
  • As a new user, your bonus will be paid into your SafeLock and matures to your flex account 10 days after you have been marked valid.

To be considered valid, you must

Link their BVN and fund their Flex Naira wallet with at least #100 via a direct bank transfer to their flex account number

Fund any other two wallets with at least #1000 each. This could be Piggybank, Safelock, or Target savings wallet.

Once all of these have been done, referral bonuses will be unlocked and sent to your flex account at the maturity date.

To check the status of people you referred, login to your Piggyvest dashboard, select Account > Earn N1000 per invite > Click on each name to see if they’re valid.

#8. Cowrywise

Cowrywise is an app that you can use to save money just as you do at home, work, and other places. This app takes away the stress and planning to save on a regular basis through its automated and easy-to-use platform.

Cowrywise has a referral program that will pay you N250 per referral. Cowrywise referral program is a win-win for both parties as the person you referred will also earn N250 after signing up with your referral code.

Getting Started with Cowrywise
  • Click here to register for cowrywise
  • Fill in the information required and input “MEEDZUA” as your referral code if required, if not, just skip it.
  • Complete your account verification
  • Link your ATM card
  • Save at least N500
  • Scroll down to “Get Free N250“and tap on it
  • Copy your referral code and share with friends
  • You will earn N250 when your friend deposits N500

Cryptocurrency Apps

#9. Remitano

Apps that Pay You to Refer Friends

Remitano is an online platform that provides an escrowed P2P cryptocurrency marketplace that supports the buying and selling of cryptocurrencies. The platform allows users to mine and swap cryptocurrencies.

Remitano gives you a 40% lifetime commission from trading fees from your tier one and also 10% when friends refer other friends to trade.

e.g You introduced Mr. A and Mr. A bought 1 BTC as a taker.
1% of his trade fees is 0.01 BTC and 40% of trade fees means you will receive 0.004BTC as a bonus.
Then when A introduced B and B bought 1 BTC as a taker, you will receive 10% of the trade fees which is 0.001BTC as a bonus

As long as A continues to “buy coins”, you will continue to get a 40% commission from his trades.
Similarly, as long as B continues to “buy coins”, then A will continue to get 40% of the trading fee from B and you will continue to get 10% of the trading fee from B as well.

Getting Started with Remitano
  • Create an account on Remitano here to generate a referral URL that is unique to you.
  • Share the referral URL with your friends and family to join Remitano.
  • When anyone signs up and buys bitcoin and other crypto assets through your affiliate link, you will get a 40% referral commission on the trading fee your friends pay.
  • It doesn’t end there. If any of your referred friends refer someone else who registers and trades, you will get a 10% commission.

Click here to read our Step by step guide on how to buy Coins on Remitano

#10. Luno

Luno is a digital currency exchange facility that offers clients a technology platform to buy, sell and store digital currencies as well as pay for products and services using a cryptocurrency wallet.

For each one person you refer that purchases bitcoin worth N5,000, you get somewhat bonus of N250 worth of BTC. You will also get free N250 worth of BTC when you sign up and put in my referral code

Getting Started with Luno
  • Click here to to get started on Luno or download the mobile app from Google play store and you’ll be granted your reward when you purchase any coin. And do not forget to input the promo code, 34UY4M to claim your reward.

#11. Paxful

Paxful is a peer-to-peer finance platform for trading cryptocurrency.

You will earn 50% escrow fee when the people you invite buy Bitcoin on Paxful and 10% when people invited by your friends buy Bitcoin on Paxful.


There are lots of apps out there that will pay you for introducing someone to their platform, You can also checkout V by VFD referral program, Raven referral program, VPD referral program, Binance affiliate program, and many more.

What do you think about these referrals? Have any other ideas of referrals that pays? Let me know in the comment section below and I’ll register via your link

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