SoFi Invite Codes
App Store Rating
Sofi is a bank that offers high-yield mobile banking, and smart investing through its mobile app. With no account fees, convenient access to over 55,000 ATMs, and FDIC insurance up to $250,000, They help its 9.4 million members manage their finances. The bank also provides a powerful budget tracker and offers free credit score monitoring.
- Released: 2017
- Offered by: Social Finance, LLC
What EARNING opportunities does this app/website offer?
? Refer-A-Friend
Earnings Disclaimer: We can not guarantee that you will make any referral bonus income from using our website to post your referral codes and links.
? Bank Transfer
Confirmed Payout: No
Minimum to Redeem:
Bank Transfer – $1
Cashout Disclaimer: We can not guarantee that all the cashout methods and minimums mentioned above will be available to all users. Cashout methods available to you can depend on what country you live in and other additional factors.
(The above links are not referral links. Use the links above to download the app and manually enter your referral code. Please see “Featured Referral Code / Link” tab for the current referral code or link)
? Referral Bonus
Sofi Banking
Person Referred: Get $25 when you use your friends referral link to signup and fund a minimum of $50 in your account within 21 days of opening. Get up to an additional $300 when you setup direct deposit.
Sofi Investing
Person Referred: Get $25 in stocks when you use your friends referral link to signup and fund a minimum of $25 in your account within 21 days of opening.
Sofi Credit Monitoring
Person Referred: Get $10 in rewards points when you use your friends referral link to signup and activate free credit score monitoring.
For additional referral codes / links see User Submitted Referral Codes section below.
Problem with link or code? Contact Us.
Post your referral codes or links for free below. You must register and be logged in for the link to be valid to submit your code.
User Submitted Referral Codes
*Click to expand tabs to see referral codes.
Earn $75 every time someone signs up using your referral link.
? They deposit $50, and you get $75 instantly.
? Your friends also get a $25 bonus for joining.
? No limit to how many referrals you can make!
It’s simple, free, and legit. Start earning extra cash today.
? Sign up today and get started now!
LuckyMoney
SoFi Invite Code
Hi! ? Join me in staying on top of your finances with SoFi. You’ll earn $10 in rewards points when you activate free credit score monitoring to keep tabs on your credit health—and you can track all your finances in one easy-to-use dashboard.
Check out the SoFi – Credit Monitoring page for more information about the app and to add your referral code.
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miracle1977
SoFi Invite Code
Hey! I’m using SoFi Invest ? to buy and sell stocks (and pieces of stocks). Open an Active Investing account with $25 or more, and you’ll get $25 in stock. Use my link below to get started.
Check out the SoFi – Invest page for more information about the app and to add your referral code.
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SoFi Invite Code
Hi! ? Join me to start earning more money with SoFi Checking and Savings. You’ll earn up to 4.00% APY and pay no account fees. Use my link to sign up and you’ll get a $25 bonus and up to $300 when you set up direct deposit.
Check out the SoFi – Banking page for more information about the app and to add your referral code.
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Best Referral Programs for Passive Income: The Complete 2026 Blueprint
By the Promo-Trader Editorial Team | Updated: January 11, 2026
Finding the Best Referral Programs for Passive Income is no longer just a side hobby; it has evolved into a legitimate financial strategy for the digital age. As we move through 2026, the global referral economy has shifted. Major corporations have realized that traditional advertising is becoming less effective, opting instead to reward their existing users for organic growth.
Why Passive Income Through Referrals is Dominating 2026
The core philosophy behind these programs is simple: trust. According to industry insights from Impact, customers referred by friends are 18% more loyal than those found through other channels. This is why you see such aggressive bonuses in banking, SaaS, and lifestyle sectors.
When you seek out the Best Referral Programs for Passive Income, you are participating in a multi-billion dollar shift in marketing. Instead of paying Google or Meta for impressions, companies are paying you for successful conversions.
Top 3 Categories for High-Yield Referrals
1. Financial Technology (Fintech) & Banking
Banks are often the highest payers in the referral world. High-growth platforms like SoFi, Robinhood, and Wise have set the standard. For example, some programs offer rewards ranging from $50 to $500 per successful account opening.
- Cash Bonuses: Many online banks offer direct deposits to both the referrer and the referee.
- Stock Options: Investment apps often grant fractional shares of high-value stocks.
- Trading Commissions: Crypto exchanges like Coinbase provide a percentage of trading fees for your referrals.
2. SaaS and Professional Tools
Software-as-a-Service (SaaS) programs are excellent for recurring income. Tools like Flowlu offer up to 40% recurring commissions on paid plans. These are among the Best Referral Programs for Passive Income because they provide a steady stream of revenue for as long as the user stays subscribed.
3. Everyday Lifestyle & E-Commerce
While the payouts may be smaller, the volume is often higher in lifestyle categories. Brands like HelloFresh, DoorDash, and Casper (which offers $75 gift cards for mattress referrals) allow you to reduce your daily expenses significantly.
Strategic Implementation: How to Scale Without Spamming
One of the biggest mistakes beginners make is “link dumping.” To turn these into the Best Referral Programs for Passive Income, you must adopt a value-first mindset. People are more likely to use your link if you provide an honest review or a specific use case for the app.
“The secret to a 100% conversion rate is relevance. Don’t send a banking link to someone looking for a meal kit. Match the solution to the person’s current problem.”
The Legalities: Taxes and IRS Compliance
As your earnings grow, so does your responsibility. The IRS requires companies to issue a 1099-MISC if you earn more than $600 in a calendar year from a single source. Treating your list of the Best Referral Programs for Passive Income like a professional enterprise is the best way to ensure long-term success without legal headaches.
Maximizing Reach via Promo-Trader
For those looking to move beyond their immediate friend group, centralized directories are the answer. Listing your verified codes on Promo-Trader puts your Best Referral Programs for Passive Income in front of a global audience searching specifically for those benefits. It bridges the gap between your available links and the massive demand for sign-up bonuses.
Start Earning Today
Don’t let these opportunities pass you by. Join our community and access the best referral programs for passive income currently active in 2026.
Browse All Promo Codes
Payout-Tested Referral Programs in 2025: Apps and Websites That Actually Cash Out
If you’ve ever shared a referral link, watched a friend sign up, and then waited forever for a bonus that never came, you’re not alone. “Payout-tested” is the opposite of that. It means real people have reached a real cashout point, and the program has clear terms that explain how the reward works.
This matters because referral rewards change often, and the rules can vary by state or country. Some programs pay cash (PayPal, bank deposit, app balance), while others pay gift cards, store credit, or “free stock/crypto” that isn’t spendable right away.
This guide is for people who enjoy sharing referral codes and want options with a track record of paying. First, you’ll learn what to check before you share. Then you’ll get a curated list of reputable programs and simple tips for sharing safely.
What “payout-tested” really means, and how we choose programs that actually cash out
A payout-tested referral program has two things: verifiable rules (you can read the official terms) and a clear path to redemption (you can actually withdraw or redeem without jumping through mystery hoops). It’s less about “biggest bonus” and more about “bonus that arrives.”
Common payout types you’ll see
- Cash to PayPal or bank: Usually shows as an account balance, then you withdraw.
- App balance: The reward lands inside the app (often feels like “real cash”).
- Gift cards: Often easier to redeem, but you’re locked into a retailer.
- Store credit: Good if you already shop there, useless if you don’t.
- Free stock/crypto: Can be valuable, but may have holds, and value can change.
Requirements that trip people up (even on legit apps)
Most missed payouts come from small details, like:
- The friend must be a new user (same device, number, or household can cause issues).
- A first purchase is required, sometimes with a minimum spend.
- Account funding is required (fintech apps often want a deposit).
- A waiting period applies, commonly 7 to 30 days, sometimes longer.
- There are annual limits, caps per referrer, or limits per referred friend.
- The offer is regional, and your friend’s location controls eligibility.
✅ A quick checklist before you share
- Official terms page exists (in-app or on the company site).
- Payout method is clearly stated (cash, credit, stock, gift card).
- Time to payout is stated (example: after 30 days, after first order).
- Qualifying action is reasonable (not “spend $300” for $10).
- Recent user proof exists (look for 2024 to 2025 cashout posts).
- Support channel exists (help center, chat, or ticket system).
If you want a place to compare referral offers and see how different cashout systems work, the Promo-Trader Rakuten page is a useful example: Rakuten referral code: $30 bonus after $30 spend.
Fast ways to verify a referral program
- Find the official referral terms inside the app or on the company site.
- Identify the qualifying action, like “first order,” “first redemption,” or “first transfer.”
- Confirm the payout method and any minimum withdrawal threshold.
- Search for recent cashout posts dated 2024 to 2025 (screenshots, forum threads, blogs).
- Track referrals with screenshots (your invite screen, referral status, and bonus history).
Note: “Instant” payouts are rare. A 7 to 30-day wait is normal, especially when a purchase is involved.
🚩 Red flags that usually mean you will not get paid
- Pay-to-join requirements just to access referrals.
- No clear payout method (only vague “earn points” language).
- Rules that are missing, constantly changing, or hard to find.
- Heavy pressure to recruit endlessly, with no product value.
- No working customer support, or support that won’t answer payout questions.
- Points systems with huge minimums that most users never reach.
When sharing referral codes, keep it safe: never share passwords, SSNs, bank logins, or one-time verification codes. Legit apps won’t ask for those from a friend.
Payout-tested referral programs, apps, and websites people use in 2025
The options below are well-known, have active referral programs, and have widely reported payouts over time. Exact amounts vary by promo, account history, and location, so always read the current terms.
Cash back apps that pay to PayPal (Easy Cashouts)
Rakuten (cash back portal)
Typical reward style: cash bonus plus cash back
What your friend must do: sign up and make qualifying purchases that meet the promo’s spend rules
How you cash out: payout to PayPal or check (timing and thresholds apply)
Rakuten’s official referral page: It Pays to Share! Earn $50 at Rakuten. For a breakdown of recent terms, visit: Rakuten $50/5000 Referral Bonus Breakdown.
Ibotta (grocery and retail cash back)
Typical reward style: cash bonus for referrals, plus cash back offers
What your friend must do: sign up and complete the qualifying action (often first redemption or a first eligible receipt)
How you cash out: withdraw to PayPal or redeem other options.
Everyday money apps that pay straight into your balance
Cash App
Typical reward style: cash bonus credited to your balance
What your friend must do: be a new user and complete the required action (commonly sending/spending money)
How you cash out: it lands in your balance, then you can spend it or withdraw.
PayPal
Typical reward style: cash reward inside PayPal
What your friend must do: new account plus a qualifying action (often a purchase or payment requirement)
How you cash out: it posts to your PayPal balance.
Investing and fintech referrals
Robinhood
Typical reward style: free stock (sometimes tiered)
What your friend must do: open an account and follow the funding requirement shown in the referral terms.
SoFi, Wise, Coinbase (Quick Comparison)
- SoFi: Often requires opening and funding, then meeting a deposit rule.
- Wise: Referral rewards commonly depend on the friend making a qualifying transfer.
- Coinbase: Terms vary by region and can be tied to buying or trading crypto.
Delivery and rideshare referrals
Uber or Uber Eats: Typical reward style: customer credits. Credits apply to rides or orders, not cash.
DoorDash: Typical reward style: customer credits, Dasher bonuses for recruiting drivers.
Sharing referral codes the right way
A referral bonus isn’t a lottery ticket. It’s closer to a rebate: you get paid when someone completes specific steps. The best results come from matching the app to the person.
- Who to share with: Friends who already use the category.
- Where to post: Private messages or social bios. Avoid spamming.
- What to say: Tell them the steps, the time frame, and what you get.
- How to track: Keep a simple log to follow up.
A simple message template to help friends
Conclusion
Payout-tested referral programs aren’t about hype. They’re about clear terms, real redemption paths, and knowing what your friend must do for the reward to trigger. Follow the rules closely, track your first few referrals, and only scale up after you see your first confirmed payout. Once you get one clean cashout, the rest feels a lot more predictable.
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