Best referral programs right now

A short, hand-picked list rather than a ranking of all 51 programs - chosen for pairing a strong reward with requirements that are actually easy to clear, not just a big headline number. Every figure comes from the program's own published terms.

The 7 picks right now

How these were chosen

Every program on this site pays both sides, so that alone is not a reason to shortlist one. These 7 were picked because the qualifying step is genuinely easy - something you would plausibly do anyway - and because the reward, once you add in any standalone new-user bonus the program also runs, is large enough to be worth the five minutes of paperwork.

The rewards are not all the same shape, which matters more than the headline number. Bybit and Kraken are flat, one-off crypto rewards for a simple deposit-and-trade step. Gate.io pays an ongoing share of your referral's trading fees, so it is worth more over time but only if they actually trade. Finst's reward is random within a range, tied to a recurring monthly promotion rather than a permanent feature. BingX and Oobit stand out less for the referral bonus itself and more for what comes with the account regardless - BingX's deposit-tiered welcome vouchers, and Oobit's 10% card cashback and Depay feature.

One caveat: BingX currently has no MiCA authorisation, and live testing found EU/EEA sign-up doesn't complete - it's included here for readers outside Europe, not as a working option if you're in the EU/EEA. Check the program's own page for the full picture before signing up regardless of which one you pick.

Check these four things before you sign up

  • The qualifying step, not the headline. Almost none of these pay on registration. There is a deposit, a trade, a transfer or a purchase in between, and the bonus only lands after it clears.
  • Whether it is cash or credit. A fee discount, trading credit or points balance is not the same as money you can withdraw, and several of these are the former.
  • Your country. Eligibility varies by country on most of these programs, and crypto exchanges in particular restrict or exclude some EU markets.
  • The deadline. Qualifying windows are often 7 to 30 days from sign-up. Miss it and the reward is usually gone for good rather than delayed.

Each program's own page sets out the full requirement list and the caveats we found in its terms. Read that before signing up, not after.

Reward details last reviewed: . This page is a selection, not the full list. All 51 programs are in the category index: Banking & Geldtransfer · Krypto-Börsen · Investieren & Kredite · Shopping & Beauty · Reisen & Transport · Software & Services.

Referral offers are not financial advice. Choose the product on its own merits first, then take the bonus.