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The old saying goes, “There ain’t no such thing as a free lunch.” Perhaps—I haven’t checked every diner on the planet to verify that claim—but that doesn’t mean you can’t occasionally get something for nothing. Indeed, if you just turn on your smartphone and open up your app store, you’ll find a swarm of apps that give you money just for signing up.

In many cases, you’ll even get your money instantly.

Of course, you don’t want to download an app just for the instant sign-up bonus. Why go through the hassle? So ideally, you want to find great apps that fill some sort of need you already have that also pay out instant sign-up bonuses.

So today, I’m going to introduce you to several apps that give you money for signing up—and that you’ll want to keep after you’ve collected your bonus. Some of them help you save money. Others let you play games, watch videos, or complete other easy tasks for rewards. And still others invest your money and help it grow. For each app, I’ll explain the advantages of using it, and outline exactly how to get your sign-up bonus.

If you’re ready to get money instantly (or, at the worst, quickly) and enjoy other financial benefits, consider downloading one or more of the apps below—and then you can take yourself out for a free lunch.

Do Apps Give You a Sign-Up Bonus for Opening an Account?

bonus present extra deal prize

Yes. Some apps do provide free money or other sign-up bonuses—but how exactly you qualify for it might differ from app to app.

In some cases, you might only need to literally sign up for the account. But in other cases, there might be other requirements, such as funding an account, receiving your first direct deposit in an account, hitting a minimum cash-out amount, or making a first purchase.

Below, I’ll cover the best apps that give you money for signing up. First, I’ll highlight apps that give free money instantly, but then I’ll also provide some examples of apps that require more involved actions—typically for bigger sign-up bonuses.

Instant Sign-Up Bonuses—Our Top Picks

Investment App for Beginners
Self-Directed Investing App
Earn Cash Toward Your 529
Get up to $85 in bonuses.
Earn $18-$36,000 in free stock.
Earn more than $30 in free cash.
Investment App for Beginners
Get up to $85 in bonuses.
Self-Directed Investing App
Earn $18-$36,000 in free stock.
Earn Cash Toward Your 529
Earn more than $30 in free cash.

Best Apps That Give You Money for Signing Up (Instant Sign-Up Bonus)

First, I’ll start with apps that provide immediate gratification, in the form of immediate bonuses. (Note: Some of the below apps have both an immediate sign-up bonus, as well as additional bonuses that require more actions.)

1. Plynk ($85 Combined Bonus)

plynk signup

  • Available: Sign up here
  • Platforms: Mobile app (Apple iOS, Android)
  • Sign-up bonus: Earn $10 for signing up; Plynk will also double your deposit up to $75

Plynk™ is an app designed to help you start investing and learn along the way, and they’re currently offering a $10 account signup and $75 net deposit bonus ($85 combined).

The Plynk app helps investors put their money into an investment portfolio. You can invest with as little as $1, and trade stocks, fund, and crypto commission-free**—all in one app.

The platform uses straightforward, easy-to-understand language to explain investing concepts. No jargon. No complex charts and tables. Just simple-language tips and how-tos.

Navigate investment ideas with tools to help you explore and choose. With Plynk Explore, just answer a few questions, and the app will display stock, ETF, and mutual fund investments that mesh with your investment comfort zone.

To assist with building your financial literacy, Plynk offers complete lessons and courses on financial education, including tips, educational content and how-tos.

The Plynk app enables you to make use of a powerful investing technique called dollar-cost averaging through participating in recurring investments. By continuing to buy a fixed dollar amount of investments over time, whether the market is up or down, you can build a disciplined investing habit and lower the stress that can come from market movements.

One of Plynk’s most interesting features involves, of all things, gift cards. Specifically, you can redeem unused gift cards for money that you can use to buy stocks in your favorite companies.

→ How to get your combined bonuses with Plynk

If this sounds interesting to you, consider opening an account with Plynk. To make it more worth your while, they have a few special offers.

Simply open an account and link your bank account to get a $10 signup bonus. Plynk is also offering a special bonus promotion through October 19, 2023. If you make a deposit, Plynk will double it up to $75. Customers must have a minimum of $25 in net deposits during the promotional period to receive a match. That means you may be eligible for up to $85 in signup bonuses from Plynk by taking qualifying actions.

Related: 7 Best Wealth + Net Worth Tracker Apps [View All Your Assets]

2. Webull ($18-$36,000 in Free Stock)

webull sign up

  • Available: Sign up here
  • Platforms: Desktop app (Windows, Mac, Linux), web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $18-$36,000 in free stock

Webull is a wallet-friendly brokerage account that offers commission-free stocks, ETFs, and options. Many options have $0 contract fees. And Webull has no deposit minimums. On top of that, it offers fractional shares, which allows investors to start buying for as little as $1. So beginners working with small dollar amounts can still easily diversify across numerous investments.

Newer investors can also learn trading skills through the courses in Webull’s education center, and even practice their skills via Webull’s paper trading service.

And Webull is available across just about every platform, allowing you to research, trade, and track your stocks on your smartphone, tablet, or desktop.

Why choose Webull to trade stocks?

Webull provides investors with several useful features and tools, including:

  • Customizable screeners for both stocks and ETFs
  • Preset lists—including Top Gainers, Top Losers, Most Active, and Best-Performing Industries—investors can use to identify opportunities
  • Voice commands: Simply speak to buy, sell, or look up information about a ticker
  • “Big Button Mode”: Populates giant buttons on your screen that allow you to quickly make trades with just a push
  • Charting tools
  • Free real-time stock quotes and stock alerts

Webull also offers extended trading hours (pre- and after-market trading) and 24/7 online help. And you can get more than just brokerage accounts—you can also sign up for tax-advantaged retirements such as traditional IRAs and Roth IRAs.

On top of all that, Webull frequently runs promotions that typically involve earning free stock.

→ How to get Webull’s free stock sign-up bonus

Currently, Webull is offering new users between six and 12 free shares of stock worth between $3 and $3,000—so, the bonus is worth between $36 to $36,000.

To claim this potential bounty, you will first need to sign up through this link, open your account and make a deposit of any dollar amount. If you do, you will receive between six and 12 shares of stock from Webull.

Read more in our Webull review, or sign up at Webull today.

Related: 7 Best Stock Portfolio Management Software Tools + Apps

3. Upromise ($5.29 Sign-Up Bonus, $25 Linking Bonus)

upromise signup

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $30.29 ($5.29 for signing up, and $25 for linking a 529 plan)

Upromise makes it easier to save for your child’s future higher education expenses, and has helped families save more than $1 billion for college to date.

After you create a Upromise account, you link it to either your 529 plan, or a checking or savings account. You can also apply for a no-monthly-fee Upromise Mastercard that earns you cash rewards when you shop, eat at restaurants, and more, and the service will automatically deposit both your cash rewards and any monthly contributions into your 529 plan or linked bank account. You’ll also earn more in cash-back rewards with the Upromise Mastercard than you will with any other linked debit or credit card.

Also, every month, Upromise gives five families a $529 college scholarship. Every dollar of earned rewards gets you an entry.

→ How to get your free money on Upromise

As soon as you sign up to Upromise and verify your email, you’re awarded $5.29. To receive an additional $25, you must:

  1. Link a 529 plan account within 30 days.
  2. Keep the account active through the first cash-back rewards redemption cycle.
  3. Make sure your cash-back rewards account balance meets the minimum transfer amount to be able to transfer rewards into the linked account.

Related: 11 Best Free Investing Apps [Invest for Free]

4. InboxDollars ($5 Sign-Up Bonus)

inboxdollars signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $5

InboxDollars helps users make extra money from doing simple tasks. Like with other money-making apps, brands pay InboxDollars for consumer opinions—which is where you come in. You can earn free cash by participating in several activities, including taking surveys and reading emails.

You can also earn cash-back rewards for online shopping, buying groceries, even spending on games. InboxDollars is partnered with GSN Casino, and users earn 18% cash back with InboxDollars for every dollar they spend on GSN games.

Better still: There’s no complex points system. Your earnings show up as real cash. Simple as that.

This passive income app isn’t a substitute for a full-time job, but it’s a great way to earn some extra money with only a little additional work on your part. And to entice new customers, InboxDollars is currently offering a $5 bonus to get started.

→ How to get the InboxDollars sign-up bonus

InboxDollars gives you $5 free cash just for activating your account. After you sign up, watch for your first PaidEmail in your inbox (which might take a couple of minutes). Confirm that you received the email, and that’s it!

Just note that the minimum cash-out amount is $15, so you’ll have to complete a few surveys or other small tasks to earn enough to cash out your bonus.

Related: 9 Best Stocks for Beginners With Little Money

5. MyPoints ($5 Sign-Up Bonus)

mypoints signup july 2023

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $5

With MyPoints, you participate in activities such as playing games/puzzles/trivia, taking surveys, watching ads, even shopping for groceries, to earn points. In some cases, you’ll also earn points for trying out trial services from the likes of Disney+, HelloFresh, and AT&T.

Depending on the activity, you can earn points toward gift cards from the likes of Target, Starbucks, and Sephora; coupon codes; cash; or cash back on purchases.

And MyPoints features a very low minimum withdrawal of just $3.

→ How to get your MyPoints sign-up bonus

You can receive a free $5 Amazon or Visa gift card by signing up today. Simply sign up with MyPoints, then wait for the confirmation email, and follow the directions therein.

Related: The 13 Best Investment Apps for Beginners

6. Branded Surveys ($1 Sign-Up Bonus)

Branded Research sign up

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $1

Branded Surveys has paid out more than $36 million to more than 3 million users.

The surveys made available to you will depend on your interests and profile information, as well as what research partners currently need. Each survey earns points; you can cash out once you’ve accumulated at least 500 points. Depending on survey length, users make anywhere from 50 cents to $5 per survey.

You can use your points toward gift cards from more than 100 brands, receive PayPal cash or have cash sent to your bank account, or even make a charitable donation. Once points are approved, earnings are processed in one to two business days.

→ How to get your free money on Branded Surveys

To receive your instant sign-up bonus, simply sign up and agree to the company’s Terms of Service. You’ll get a 50-point bonus (worth 50 cents) right away. After you spend about five minutes filling out your extended profile, you get another 50 points.

Related: 50+ Best Money-Making Apps That Pay You Real Money

“Additional Action” Bonuses—Our Top Picks

Brokerage Account + Debit Card for Teens
One-Stop Trading + Investing
Survey, Video + Shopping App
Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50¹.
Get 15 free stocks when you fund your account.
Get a $10 bonus when you spend $25.
Brokerage Account + Debit Card for Teens
Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50¹.
One-Stop Trading + Investing
Get 15 free stocks when you fund your account.
Survey, Video + Shopping App
Get a $10 bonus when you spend $25.

Best Apps That Give You Money for Signing Up (With Additional Action Required)

Now, I’ll move on to apps where you might be required to, say, fund an account, spend a little money, or execute some other small action before earning a bonus.

1. Robinhood ($5-$200 Bonus)

robinhood sign up

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Sign-up bonus: $5-$200 toward fractional shares

Robinhood is a pioneer of commission-free trading, jumping into the investing public’s consciousness in 2013 when they rolled out commission-free trading. They remain a standout option for cost-minded investors thanks to their continued $0 commissions on stocks, ETFs, and options, as well as for its fractional trading, which allows people to invest with as little as $1.

If you want to keep your banking and investing close together, you can also add a Robinhood spending account. This FDIC-insured account includes a Robinhood Cash Card issued by Sutton Bank—however, if you don’t want this physical debit card, you do have the option of having a virtual debit card only. The Cash Card is compatible with Apple Pay, Google Pay, and Samsung Pay, and also provides you with access to fee-free withdrawals from more than 90,000 ATMs. The card allows you to round up purchases and invest the money into your brokerage or crypto account.

→ How to earn free Money to put toward stock on Robinhood

While several other media outlets refer to Robinhood’s offer as a “a free stock,” that’s a little oversimplified. The bonus is a randomly selected cash amount of between $5 and $200 that can be put toward fractional shares of one of 20 U.S. stocks. Here’s how to get your bonus:

  1. Sign up here to start the account opening process.
  2. Link your bank account.
  3. Fund your account with at least $10.

Related: How to Get Free Stocks for Signing Up: 15 Apps w/Free Shares

2. Moomoo ($45-$30,000 in Free Stock + 1 Free Share of TSLA or GOOG)

moomoo signup new

  • Available: Sign up here
  • Platforms: Desktop app (Windows, Mac), web, mobile app (Apple iOS, Android)
  • Promotion: 15 free stocks, each valued between $3-$2,000, plus a share of Tesla (TSLA) or Alphabet (GOOG)

Moomoo is a commission-free trading platform for stocks, ETFs, and options. While Moomoo is best for advanced traders, offering powerful tools to empower your trading insights and strategies, it takes a different approach from other similarly targeted platforms, favoring simple interfaces and high ease of use. The desktop platform is highly customizable, while the mobile app is straightforward, allowing you to search for stocks and trade with minimal hassle.

Still, Moomoo has more than enough under the hood for advanced traders to get the job done. Its charting system, for instance, includes 62 technical analysis indicators and 22 drawing tools. You can set up alerts based on changes in price, bids, turnover ratio, and more. Free Level 2 market data helps you get a greater understanding of a stock’s value, determine how liquid a stock truly really is, and better time your trades. You can even enjoy 24/7 financial news handpicked by Moomoo’s editorial team.

→ How to get your free shares on Moomoo

You can receive up to 15 free shares (collectively worth anywhere between $45 and $30,000) and an extra share of Tesla (TSLA) or Alphabet (GOOG) from Moomoo. Here’s how:

  1. If you open a new brokerage account with Moomoo and fund it with $100, you’ll earn five free stocks valued between $3 and $2,000 each.
  2. If you make a net deposit of $1,000 or more in the promotion period, you’ll get a total of 15 free stocks valued between $3 and $2,000 each.
  3. If you make a net deposit of $5,000 or more in the promotion period, you’ll get a total of 15 free stocks valued between $3 and $2,000 each, as well as one free share of either TSLA or GOOG.

Enjoy these free bonus shares by opening an account with Moomoo through our link and making a qualifying deposit.

Related: 11 Best Stock Trading Apps [Free + Paid]

3. Acorns ($20 Bonus)

acorns signup

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Bonus: $20

Acorns is an investing app geared toward minors, young adults and millennials by offering “Round-Ups”: The app rounds up purchases made on linked debit and credit cards to the nearest dollar, investing the difference on your behalf.

For example, if you purchase a coffee for $2.60 on a linked credit card, Acorns automatically rounds this charge up to $3.00 and puts the 40-cent difference aside. Once those Round-Ups reach at least $5, they can be transferred to your Acorns account to be invested.

Users have seen an average of $30/month invested this way and makes the service one of the best investments for young adults who are looking to get started with saving and investing.

The investing app allows minors to have custodial accounts managed by their parent or legal guardian through their product Acorns Early available under the Acorns Personal Plus plan ($5/month).

Making regular contributions over long periods of time can go a long way toward building lifelong wealth. Using an investing app like Acorns could also be the best way to invest $1,000 for a child‘s future and save money.

Acorns has the following subscription options:

  • Acorns Personal ($3 per month): Includes an Acorns Invest investment account, as well as Acorns Later for tax-advantaged investment options such as Roth IRAs. Also includes Acorns Checking, a bank account that has no account fees, lets you withdraw fee-free from more than 55,000 ATMs nationwide, and Smart Deposit, which allows you to automatically invest a bit of each paycheck into your Acorns accounts.
  • Acorns Personal Plus ($5 per month): Everything in Acorns Personal (Acorns Invest, Later, and Checking), plus Premium Education, which are live onboarding sessions covering account setup, Round-Ups, setting up recurring investments, and more; Emergency Fund; and a 25% bonus on Acorns Earn rewards (up to $200 per month).
  • Acorns Premium ($9 per month): Everything in Personal Plus, plus Acorns Early, which allows you to open a custodial investment account for your child so you can begin investing for them while they’re a minor; custom portfolios that allow you to hold individual stocks; live Q&As with financial experts; a 50% match on Acorns Earn rewards (up to $200 per month); $10,000 in life insurance; even the ability to set up a will for free.

Learn more in our Acorns review.

→ How to get Acorns’ free stock sign-up bonus

To receive your free money from Acorns, you’ll need to open an account and make a minimum $5 recurring investment. After your first successful recurring investment, you’ll receive $20 within 10 days of the following month.

Related: Best Custodial Accounts: How to Start Investing for Kids

4. Swagbucks ($10 Bonus)

swagbucks signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Bonus: $10

Making money online through Swagbucks is simple. Swagbucks lets users earn Swagbucks points (SBs) by completing simple tasks—that includes taking surveys, yes, but also shopping online, playing video games, or even just doing web searches.

Users can redeem SBs for gift cards from popular retailers, such as Apple, Amazon, and Target; the website awards roughly 7,000 gift cards every day. However, if you just want cash, you can redeem points that way, too, and receive the money in a PayPal account. You’ll need your own bank account if you want to transfer this money for you to use.

Users also earn SB points for every dollar spent shopping online through the service and get access to exclusive coupons and deals, even for prescriptions. You can also get cash back for groceries and other essentials at popular stores like Costco, Target, Kroger, and more, when you take a picture of the receipt. Swagbucks even offers opportunities to get cash back for dining.

→ How to get your Swagbucks bonus cash

To get your $10 sign-up bonus from Swagbucks, do the following:

  1. Activate the Bonus in the Swag Ups section of your account.
  2. Spend a minimum of $25 on a single purchase at a store featured in Swagbucks.com/Shop within 30 days.

Usually, the purchase credits within 32 days, and the bonus is rewarded a couple of days after that. The bonus comes in the form of 1,000 SB, which is $10 in value.

Related: 11 Best Alternative Investments [Options to Consider]

5. Fidelity Youth™ Account ($50 Bonus for Teens / $100 Bonus for Parents)

Fidelity Youth Account app signup

  • Available: Sign up here
  • Price: No account fees, no account minimum, no trading commissions*
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Promotion: Teens get $501 on Fidelity® when they download the Fidelity Youth™ app and activate their Youth Account; parents get $100 when they fund a new account

Is your teen interested in jumpstarting their financial future? Do you want them to build smart money habits along the way?

Of course you do! Learning early about saving, spending and investing can pay off big when you start on the right foot. And one tool that can help your teen get that jump is the Fidelity Youth™ Account—an account owned by teens 13 to 17 that’s designed to help them start their money journey. They can start investing by buying most U.S. stocks, exchange-traded funds (ETFs), and Fidelity mutual funds for as little as $1!⁴

Your teen will also get a free debit card with no subscription fees, no account fees³, no minimum balances, and no domestic ATM fees⁵. And they can use this free debit card for teens to manage their cash and spend it whenever they need.

And as for building smart money habits? You and your teen can access your account through the Fidelity Youth™ app, which has a dedicated Learn tab packed with materials developed specifically to help teens develop good financial habits. Not only will Fidelity’s interactive lessons, videos, articles, tools, and calculators accelerate their learning—but for every level they complete, reward dollars will be deposited into their account to use however they want.

We’ll note that Fidelity Youth™ Account isn’t a prepaid card nor a banking app, but it’s still strongly worth considering.

Controls parents want and need

A parent or guardian must have or open a brokerage account with Fidelity® to open a Fidelity Youth™ Account. For new Fidelity® customers, opening an account is easy, and there are no minimums and no account fees.

Parents and guardians have plenty of tools they can use to monitor their teen’s activity: They have online account access, can follow monthly statements and trade confirmations, and can view debit card transactions made in the account.

To make it even easier, you can set up alerts to notify you of trades, transactions, and cash management activity, keeping you firmly in the loop on actions your teen takes across the Fidelity Youth™ Account’s suite of products.

If your teen has an interest in learning about investing and taking their first steps toward building their financial journey, you should consider downloading the Fidelity Youth™ app and opening a Fidelity Youth™ Account. The account comes custom-built for their needs, which will help them become financially independent and start investing for their future.

Read more in our Fidelity Youth™ Account review.

→ How to earn the Fidelity cash bonus

Open a Fidelity Youth™ Account for your teen, and Fidelity will drop $50 into their account. Get $100 for yourself when you open a new Fidelity account and fund with $50¹.

Related: Best Investments for Teenagers [How to Start Investing Young]

6. Groundfloor ($50 Bonus)

groundfloor signup new

  • Available: Sign up here
  • Platforms: Web, mobile app (Apple iOS, Android)
  • Bonus: $50

Groundfloor accounts allow accredited and non-accredited investors alike to participate in real estate investment loans.

Groundfloor says more than 200,000 users have invested over $1 billion on its platform to date. It has seemingly returned the favor: Groundfloor says it has delivered more than 10% average annual returns since the service got off the ground.

On this platform, you invest in Groundfloor Notes—short-term investments backed by loans made out to real estate investors. Groundfloor Notes typically mature in 30 days, 90 days, or 12 months, and interest rates on Notes vary based on several factors, including bond rates, investor demand, and level of risk in the loan.

Groundfloor users can choose their own investments or let the experts choose for them. Investors must have a $1,000 minimum to start, and they can invest in $1,000 increments.

→ How to earn Groundfloor’s $50 bonus

  1. Use this referral link to open a new Groundfloor account and answer a few questions.
  2. Connect to a bank account.
  3. Fund your account with at least $1,000.

Related: 19 Best Investment Apps and Platforms [Free + Paid]

7. SoFi Invest ($5-$1,000 in Free Stock, $10-$100 in Free Bitcoin)

sofi invest free stocks

SoFi is a multi-faceted financial company that offers everything from credit cards and insurance to student loans and mortgages … and they also allow you to trade and invest through its SoFi Invest app.

With SoFi Invest, you can invest as actively or as passively as you’d like.

The Active SoFi Invest Brokerage Account has no required minimum balance, charges no commissions on stock, ETF, and options trades, and its options trading is free of contract fees, too. SoFi does offer 24/7 cryptocurrency trading, too, but it charges a 1.25% markup on transactions.

The interface is still very much geared toward younger, less experienced investors—everything is focused on simplicity and ease of use, rather than an expanse of sophisticated tools. SoFi also offers budget-friendly features such as fractional shares, which allow you to invest for as little as $1. And SoFi even provides a social element, such as bringing SoFi members together at exclusive events.

Want to put your portfolio on autopilot? SoFi’s robo-advisory services will create a portfolio for you free of charge (that can be designed to address one or several goals) and auto-rebalance it for you as necessary over time.

And one thing that sets SoFi apart is your ability to handle many financial tasks within the very same app. SoFi’s app allows you to tackle anything from banking and investing to student loans, insurance, and mortgages.

→ How to earn free stock from SoFi Invest

SoFi Invest allows you to win a randomly selected dollar amount worth of free stock: $5, $10, $25, $100, or $1,000. To qualify:

  1. Open a new brokerage account with SoFi.
  2. Fund your account with $10 or more within 30 days of the account opening.

Your bonus should post to your account in 10 business days.

→ How to earn free Bitcoin from SoFi Invest

You can earn between $10 and $100 worth of Bitcoin when you sign up and make your first cryptocurrency trade. Here’s how:

  1. Open a new account with SoFi.
  2. Buy a minimum of $50 worth of any cryptocurrency within seven days.

The following trade sizes earn the corresponding Bitcoin bonuses:

  • $50-$99.99 earns $10 worth of Bitcoin.
  • $100-$499.99 earns $15 worth of Bitcoin.
  • $500-$4,999.99 earns $50 worth of Bitcoin.
  • $5,000 or more earns $100 worth of Bitcoin.

Related: 20 Best Investing Research & Stock Analysis Websites

8. Cash App ($5 Bonus)

cash app sign up

  • Available: Sign up here
  • Platforms: Desktop, web, mobile (iOS, Android)
  • Bonus: $5

Cash App markets itself as a smarter way to manage your money. Whether you’re looking to send, spend, bank, or buy stocks or bitcoin, Cash App has several useful features that allow you to handle, save, and invest your money.

Sending and receiving payments is free with Cash App, so you can rest assured knowing that your money is always accounted for when you transfer funds to friends and family.

Similar to Venmo, Cash App lets you instantly send money to anyone for free. You can even send stocks or Bitcoin. Your balance updates immediately, so you always know your transaction was successful. If you don’t have any funds in your account, the money is drawn from a linked card or financial account.

The recipient doesn’t need to have a Cash App account. You can use an email or phone number to transfer money. However, they will need to create an account within 14 days or the money is returned to you.

Optionally, you can deposit your paychecks, tax returns, and more into the app. Direct deposits are available as soon as they are received, which may be up to two days faster than banks.

→ How to get your Cash App bonus

You and a friend can both get $5 bonuses when one of you uses the other’s Cash App referral code to sign up for Cash App. Here’s how to do it:

  1. Download Cash App. You’ll need to register with your phone number.
  2. Link a debit card.
  3. Go to Settings, then Invite Code, and enter your referral code from a friend.
  4. Within 14 days, send at least $5 (lump sum or multiple payments) to anyone.


Sign-Up Bonuses: FAQs

questions and answers large

Which apps offer sign-up bonuses that allow you to get money instantly?

There are several apps where you earn money instantly, including the following:

While some of these apps pay money instantly, the instant sign-up bonus might be lower than the minimum withdrawal amount. Fortunately, many apps where you get money instantly provide enough to cash out right away, and usually, those that don’t only require slightly more effort to reach the minimum withdrawal amount.

What types of sign-up bonuses are available for the apps covered in this list?

The sign-up bonuses on this list let you earn cash, gift cards, crypto, or stocks. Some give you multiple options.

Are there apps that pay you to shop online?

Yes. Upromise, InboxDollars, MyPoints, and Swagbucks all pay you to shop online.

Do you need a bank account to get sign-up bonuses?

It depends on the app. Some apps let users take their sign-up bonus in the form of free gift cards or free money sent to a PayPal account. For these apps, you don’t need a bank account to get sign-up bonuses as you aren’t getting paid through direct deposit.

However, some apps require you to deposit money or make a minimum purchase. In this situation, you usually need an account to earn free cash.

Are there free sign-up bonus apps?

Yes. Several of the apps on this list provide a sign-up bonus where you get money instantly. Some of the other apps require a few more steps.

How do you convert points in some apps to cash?

When you sign up and get points from an app, always check the conversion rate between points and monetary rewards as this can vary. Frequently, a point equals 1 cent, but this isn’t always the case.

Terms and Conditions for Fidelity Youth™ Account

The Fidelity Youth™ Account can only be opened by a parent/guardian. Account eligibility limited to teens aged 13-17.
* $0.00 commission applies to online U.S. equity trades and exchange-traded funds (ETFs) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Institutional® are subject to different commission schedules.
¹ Limited Time Offer. Terms Apply. Before opening a Fidelity Youth™ Account, you should carefully read the account agreement and ensure that you fully understand your responsibilities to monitor and supervise your teen’s activity in the account.
² The Fidelity Youth™ app is free to download. Fees associated with your account positions or transacting in your account apply.
³ Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
⁴ Fractional share quantities can be entered out to 3 decimal places (.001) as long as the value of the order is at least $0.01. Dollar-based trades can be entered out to 2 decimal places (e.g. $250.00).
⁵ Your Youth Account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Please note, for foreign transactions, there may be a 1% fee included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
⁶ Venmo is a service of PayPal, Inc. Fidelity Investments and PayPal are independent entities and are not legally affiliated. Use a Venmo or PayPal account may be subject to their terms and conditions, including age requirements. 
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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About the Author

Riley Adams is a licensed CPA who worked at Google as a Senior Financial Analyst overseeing advertising incentive programs for the company’s largest advertising partners and agencies. Previously, he worked as a utility regulatory strategy analyst at Entergy Corporation for six years in New Orleans.

His work has appeared in major publications like Kiplinger, MarketWatch, MSN, TurboTax, Nasdaq, Yahoo! Finance, The Globe and Mail, and CNBC’s Acorns. Riley currently holds areas of expertise in investing, taxes, real estate, cryptocurrencies and personal finance where he has been cited as an authoritative source in outlets like CNBC, Time, NBC News, APM’s Marketplace, HuffPost, Business Insider, Slate, NerdWallet, Investopedia, The Balance and Fast Company.

Riley holds a Masters of Science in Applied Economics and Demography from Pennsylvania State University and a Bachelor of Arts in Economics and Bachelor of Science in Business Administration and Finance from Centenary College of Louisiana.