RefsLinks

🏦 Bank referral programs

Bank account bonuses — open, deposit, get cash.

Most bank bonuses hinge on a qualifying direct deposit: an ACH credit from an employer, payroll provider or government payer, usually required within 30–90 days of opening. Money you transfer yourself from another account you own doesn't count at nearly any bank — that's the single most common way people lose a bonus. When you do qualify, the cash typically posts one or two statement cycles later, not the day you hit the deposit target.

Account bonuses in this list

Current Community Earn a $100 referral reward when a new user signs up with your link and receives a qualifying payroll deposit. New users: $200+ payroll deposit within 45 days ✓ Verified Sep 2026 Claim $100 → Wise Community Invite a friend to Wise and you'll get 15 GBP in fee credit once they qualify. make an international transfer of at least 200 GBP ✓ Verified Sep 2026 Source: wise.com 15 GBPfee credit Claim Bonus → Sofi Community Refer a friend to SoFi Checking and Savings and you can earn a $100 cash bonus when they open an account and deposit $500. Open a SoFi Checking and Savings account and make deposits totaling $500 or more ✓ Verified Sep 2026 Source: sofi.com $100cash bonus Claim Bonus → Ally Community Share your Ally personal link and earn $50 each time a friend opens and funds a new eligible Ally Bank account. open and fund a new eligible Ally Bank account ✓ Verified Sep 2026 Source: ally.com $50reward Claim Bonus → Discover Community See Discover's referral offer — discover.com discover.com ✓ Verified Sep 2026 Claim Bonus → Varomoney Community See Varomoney's referral offer — varomoney.com varomoney.com ✓ Verified Sep 2026 Claim Bonus →

Questions about banking referral bonuses

Does transferring money from my other bank account count as a direct deposit?
Almost never. Qualifying deposits must originate from an employer, payroll service or government payer — transfers from an account you own are excluded in essentially every bank's terms.
How long after I qualify does the bonus actually post?
Usually one to two statement cycles, though a few online banks pay within days. The offer's terms page states the timing.
Can I claim a bonus if I've banked there before?
Most programs are for new customers only, and many define “new” as no account at that bank in the past 6–12 months. Check the eligibility clause before opening anything.
What happens if I close the account right after getting the bonus?
Many banks claw the bonus back — or never post it — if the account closes within three to six months of opening. Keep the account open past that window and the cash is yours.
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