14 Legit Sign Up Bonus Apps That Pay Instantly (No Deposit Needed)

I’ve tested a lot of sign-up bonus apps and websites over the years. Some paid quickly. Others weren’t worth the effort.

This page highlights the best sign-up bonuses available right now—legit offers that give you free money, free stock, or gift cards just for creating an account.

I focus on bonuses that are easy to claim, don’t require a deposit, and let you withdraw your earnings quickly. The list is updated monthly to keep the information accurate and remove offers that no longer work.

My Top Picks for Instant Sign-Up Bonuses

App	Bonus	Key Details
MoneyLion	$60	$5 instantly. No deposit. More with direct deposit.
InboxDollars	$5	No deposit. Earn $15 to withdraw.
Survey Junkie	$5	Finish 5 surveys. Cash out at $5.
Branded Surveys	$1	100-point bonus. Cash out at $5.
Cash App	$5	Send $5 to unlock. Instant transfer available.

#1. MoneyLion: Get a $5 Instant Bonus and a $50 Direct Deposit Bonus

What you get:	$5 added to your RoarMoney account.
When:	Instantly.
Instant withdrawals:	Available.
Payment options:	Withdraw the funds to your linked bank account.

MoneyLion is the best sign-up bonus I’ve found so far. When I opened a RoarMoney account, I got $5 right away with no deposit required. That part alone makes it worth checking out.

You can earn another $50 by setting up direct deposit, and an extra $5 when you buy at least $10 in crypto.

There’s a $1 per month fee, but you can cancel the account anytime and keep your bonus. I had no issues withdrawing the $5 straight to my bank.

If you’re asked to enter a promo code, enter thewaystowealth.

Sign up for MoneyLion.

#2. Survey Junkie: $5 After Your First Five Surveys

What you get:	$5 in points.
When:	Instantly.
Instant withdrawals:	Available.
Payment options:	PayPal deposit, gift cards or bank transfer.

Survey Junkie is one of the most popular survey sites and apps that pays users to share opinions. See our Survey Junkie review for more details.

Survey Junkie’s sign-up offer gives new members a $5 cash bonus when you finish your first five surveys.

When you sign up with Survey Junkie, you’ll get the opportunity to take short profile surveys. These surveys are designed to customize future survey opportunities based on your answers. These quick surveys qualify for the five survey bonus, which means it’s easy to meet this requirement in a very short amount of time.

Once you accumulate $5 in Survey Junkie earnings, you can cash out instantly to PayPal. 

You can boost your rewards by installing the Survey Junkie Pulse browser add-on. With Pulse installed, simply browsing the web triggers cash bonuses (and it pays a $1.50 sign-up credit after 30 days).

Sign up for Survey Junkie. ‘

#3. Cash App: Get a $5 Sign-Up Bonus

What you get:	New users a $5 bonus in your Cash App account when you send a $5 payment to someone who already has the app with referral code: BWSPWFR
When:	The bonus is credited instantly once you send a $5 payment.
Instant withdrawals:	Available
Payment options:	Bank account transfer

Cash App is offering a $5 bonus when you sign up using the referral code BWSPWFR (code is automatically applied using this link). After downloading the app and completing the registration, you must enter this referral code within 14 days to qualify.

To earn the bonus, simply link a debit card or bank account and send a $5 payment to someone who already uses Cash App. Once that payment is processed, the $5 bonus is credited directly to your account.

With your bonus available, you can instantly transfer the funds to your bank or use them within the app.

For full details, visit our Cash App referral code page. To explore additional ways to earn free money on Cash App, check out our guide on earning free money on Cash App.

Visit Cash App.

#4. Venmo: Get a $5 Sign-Up Bonus

What you get:	Earn a $5 bonus credited to your Venmo account when you sign up using a referral link.
When:	The bonus is added once you sign up, verify your account, link your bank account or debit card, and send a $5 payment to someone who already uses Venmo.
Instant withdrawals:	Once the bonus is credited, you can use it directly for payments or transfer it instantly to your linked bank account.
Payment options:	Bank account transfer

Download the Venmo app from this link.

After verifying your account and linking your payment method, send a $5 payment to a friend or family member who already has Venmo. Once that transaction is processed, the $5 bonus is automatically added to your Venmo balance.

Download Venmo.

#5. InboxDollars: Get a $5 Bonus Just for Signing Up

What you get:	$5 cash added to your account balance.
When:	Instantly upon confirming your email address.
Instant withdrawals:	Available to withdraw after reaching $15 in total earnings.
Payment options:	PayPal, gift card, or prepaid Visa card.

InboxDollars is an easy-to-use rewards site that offers a straightforward $5 bonus for new members. The bonus is automatically added to your account after signing up and confirming your email address.

To withdraw your money, you’ll need to earn at least $10 on the platform. Tips for earning money quickly on InboxDollars include:

• Completing offers from legitimate companies.
• Earning cash back through online shopping.
• Uploading copies of your shopping receipts.
• Taking short surveys.
• Referring friends (you’ll get $3 per referral who earns $30 in their first 60 days, plus 4% of their lifetime earnings).

Read our InboxDollars review or sign up for InboxDollars.

#6. Branded Surveys: Get a 100-Point Signup Bonus Instantly

What you get:	$1 bonus upon signup.
When:	After confirming your email address.
Instant withdrawals:	Available once the minimum withdrawal amount of $5 is reached.
Payment options:	PayPal, bank account and gift cards.

Branded Surveys is one of the best online survey sites. By completing surveys, you can earn points that can be redeemed for cash or gift cards. See our Branded Surveys review for more details.

When you sign up, you immediately receive a 100-point bonus, which is equivalent to $1. This can be a quick and easy way to earn a bit of money today, especially since the bonus can be withdrawn instantly via PayPal once you hit the low minimum to cash out, which is just $5.

Beyond the signup bonus, you’ll earn points for each survey you complete. The number of points you earn per survey varies, but most surveys take around 15 minutes to complete and offer between 50 and 500 points.

Download Branded Surveys.

#7. Robinhood: Free Share of Stock (Valued Up to $200)

What you get:	Free share of stock valued between $5 and $200
When:	Immediately upon linking a bank account
Instant withdrawals:	Can sell after 2 days; withdraw after 30 days.
Payment options:	Bank transfer

Robinhood offers new users a free fractional share for signing up and linking a bank account—no deposit or transaction is required.

According to Robinhood, there’s a 98% chance the share value you receive will be between $5 and $10. Additionally, you can choose a stock from the 20 largest U.S. companies by market cap.

However, instant withdrawals are unavailable; you must wait 30 days to cash out.

See full details of Robinhood’s free stock promo.

Visit Robinhood.

#8. Swagbucks: Get a $10 Bonus After Spending $25

What you get:	1,000 SB (equivalent to $10) after making a qualifying $25+ purchase through Swagbucks.
When:	Complete the $25 purchase within 30 days of registration. You’ll get the bonus around 30 to 90 days after purchase.
Instant withdrawals:	Available to withdraw after transaction is validated
Payment options:	PayPal, gift card, or prepaid Visa card.

Sign up for Swagbucks and head to the Swag Ups section of your account to activate the $10 bonus offer.

Then, shop at a participating store via Swagbucks.com/Shop and spend at least $25 in one transaction.

You’ll earn your regular SB for that purchase, plus an additional 1,000 SB bonus (worth $10) once the transaction is validated. The purchase must generate at least 25 SB (roughly 1% back on a $25 spend) to qualify for the bonus.

If you’re planning to shop at popular retailers like Walmart or Home Depot (just two examples among the thousands of stores available on Swagbucks Shop), this is an easy way to get $10 back on something you were going to buy anyway.

Plus, it’s a great introduction to Swagbucks, one of the largest rewards sites. You can earn money on Swagbucks in lots of different ways, from playing games to taking advantage of special offers.

Read our Swagbucks review or sign up for Swagbucks.

#9. Coinbase: Get $20 in Bitcoin + Up to $92 in Free Crypto Through Learn Program

What you get:	$20 in Bitcoin signup bonus + plus opportunities to earn more through Learning Rewards
When:	After making your first cryptocurrency purchase + completing educational content
Instant withdrawals:	Available after identity verification
Payment options:	Can convert to cash and withdraw to bank account, or keep as crypto

Coinbase is America’s largest cryptocurrency exchange, offering a user-friendly platform for buying, selling, and trading digital assets.

New users can earn multiple bonuses:

1. Sign-Up Bonus:

• $20 in free Bitcoin when you sign up through a referral link
• Must make your first crypto purchase to qualify (any amount qualifies)
• Need to complete identity verification
• Must claim within 90 days of signing up

2. Coinbase Learn & Earn Program: The available rewards change frequently, but as of March 2025, users can earn approximately $92 in free crypto.

The Learning Rewards program is particularly appealing because it requires no purchase – just watching short educational videos (1-2 minutes each) and answering simple quiz questions about various cryptocurrency projects. Each lesson typically takes less than 5 minutes to complete, and you can’t fail – if you get a quiz answer wrong, you can try again until you get it right. The questions are usually multiple choice or true/false.

View full details of the Coinbase Sign-Up Bonus.

Visit Coinbase.

#10. Acorns: $20 When You Make a $5 Recurring Investment

What you get:	$20 bonus ($30 for active military personnel).
When:	30 days after setting up a $5 minimum recurring investment.
Instant withdrawals:	Available after 30 days
Payment options:	A bonus is added to your investment account, can withdraw to linked bank account.

Acorns is a popular micro-investing app that makes it easy to start investing with spare change round-ups and recurring investments.

Acorns is currently running a promotion that offers a bonus of $20 to $30. Here are the details on how to claim it.

1. Sign up for Acorns through our promotional link. Active-duty military members should visit this link.
2. Open an Acorns Portfolio account and link a funding source.
3. Set up a recurring investment of at least $5 within 14 days of opening your account.
4. Maintain the investment for 30 days.
5. Keep your paid subscription active until the bonus is received.

Active-duty military members are eligible for an increased bonus of $30 (requires verification through ID.me).

Acorns offers three subscription plans:

• Acorns Bronze: $3/month (basic brokerage account)
• Acorns Silver: $6/month (adds IRA access)
• Acorns Gold: $12/month (full suite of family saving and investing tools)

While the monthly fee is a bit high for small accounts, Acorns can be a great tool for building long-term wealth through features like roundups and recurring investments. The app invests your money in a diversified portfolio of ETFs, based on your financial goals and risk tolerance.

Acorns is an excellent choice if you’re looking to start investing with a user-friendly app and earn a quick bonus. Just remember to maintain your recurring investment to qualify for the bonus.

Sign up for Acorns and claim your $20 bonus.

#11. Rakuten: Get a $30 Bonus for Spending $30

What you get:	$30 cash added to your account.
When:	After making a qualifying purchase of $30 or more within 90 days of signing up.
Instant withdrawals:	Payments are made quarterly.
Payment options:	PayPal deposit or paper check.

Rakuten is one of the most established and reliable cash back shopping portals available (see our Rakuten Review). Their current promotion offers new members a generous $30 bonus when they spend $30 within 90 days of signing up.

The platform lets you earn cash back on your regular online shopping. You can:

• Start shopping through Rakuten’s website or app
• Install their browser extension for automatic notifications
• Earn additional cash back through limited-time bonus offers up to 20%

What makes Rakuten particularly attractive is its referral program. After signing up, you can:

• Immediately start referring friends and family
• Earn additional bonuses for each referral who makes a qualifying purchase
• Even refer people living at the same address

For example, you could:

1. Sign up to earn your $30 bonus
2. Refer your spouse or roommate
3. They earn $30, and you get another $30 referral bonus
4. Total potential earnings of $90 for your household

The only minor drawback is that Rakuten pays quarterly rather than instantly, but the higher bonus amount and reliable platform make it well worth the wait.

View the full details of Rakuten’s $30 bonus.

Visit Rakuten.

#12. Ibotta: Get a $5 Bonus

What you get:	Receive a $5 bonus credited to your Ibotta account when you sign up using your referral code and complete your first qualifying offer.
When:	The bonus is added once your first transaction is verified—typically within 24 to 48 hours after you scan your receipt or link your loyalty card.
Instant withdrawals:	Available once your total balance reaches $20.
Payment options:	Withdraw funds via PayPal, direct bank transfer, or redeem them for various gift cards.

Download the Ibotta app and complete the registration process. During sign-up, enter your referral code to activate the $5 bonus offer. Then, activate a qualifying offer before shopping, make your purchase, and verify it by scanning your receipt (or linking your store loyalty card). Once the transaction is confirmed, the $5 bonus is credited to your Ibotta balance.

For more details on maximizing your savings with Ibotta, check out our Ibotta Review and learn more about How Ibotta Works.

Download Ibotta.

#13. Stash: Get $30 in Free Stock When You Deposit $0.01

What you get:	$30 in free stock.
When:	Deposit a minimum of 1 cent into your Stash Banking account or Stash Personal portfolio.
Instant withdrawals:	Available to withdraw after 90 days.
Payment options:	Can be withdrawn to an external bank account.

Stash is a beginner-friendly investment app that offers a variety of automated investment options, $5 minimums and a user-friendly experience.

Sign up for a new account through our Stash referral link and you’ll get a $30 cash bonus when you:

1. Link an external bank account.
2. Add at least $0.01 to your Stash Banking account or Stash Personal portfolio.

Stash does have monthly fees, ranging from $3 to $9. You can cancel at any time, and there are no penalties or fees for doing so.

While this bonus pays out instantly, the money cannot be transferred out of your Stash account for 90 days.

Download Stash Invest.

#14. moomoo: Get 30 Free Stocks Worth $2 to $2,000 Each

What you get:	Get five free stocks for depositing $100 and 25 additional free stocks for depositing $2,000. Each free stock is worth between $2 and $2,000.
When:	After completing the registration process and making a deposit of $100 or more. You have to wait 60 days to sell the shares and withdraw your funds.
Instant withdrawals:	Stocks are deposited in your account within five trading days but will show as pending for 60 days.
Payment options:	Withdraw to a linked banked account.

moomoo is a commission-free brokerage that offers one of the most generous free stock bonuses. 

When you sign up and deposit $100, you’ll receive five free fractional shares worth $5 each. If you deposit $2,000+, you’ll receive an additional 25 shares.

To qualify for this offer, you must maintain an average account balance of at least $100/$2,000 for 60 days after claiming the bonus. During this time, your fractional shares will be “frozen.” Once the holding period is complete, the shares will be deposited into your account within five trading days, and you can trade or cash out as you wish.

This bonus is limited to one per customer.

For a comprehensive breakdown of this offer, see our write-up on the moomoo free stock promotion.

Sign up for moomoo.

Sign-Up Bonus FAQs

Best Sign-Up and Get Money Sites: Final Thoughts

Playing the sign-up bonus game can be a solid, low-risk side hustle. While the potential isn’t outstanding, the time-to-dollar ratio is high. Ways to earn money from sign bonuses include:

• Free Money Offers. Earn small cash bonuses for signing up or completing simple tasks. Also, see Free PayPal Money.
• Free Stock. Receive free shares when you open and fund an account with a small deposit.
• Free Gift Cards. Get gift cards after signing up and meeting basic purchase requirements.
• Cash Brokerage Bonuses. Earn tiered bonuses by depositing specific amounts into new accounts.
• Crypto Sign-Up Offers. Receive cryptocurrency for completing basic account setup and small trades.
• Banks with Instant Sign-Up Bonuses. Earn cash bonuses by depositing a qualifying amount without long wait times.
• Best Bank Promotions Without Direct Deposit. Qualify for bonuses by maintaining high balances or completing required transactions.

But it should go without saying that you’ll never pay your rent with these types of deals. At the same time, I think they’re valuable because they can help you build your money-making muscle. 

It can be hard to make progress on your financial goals when you’re struggling just to make ends meet, and it can feel like there aren’t any good options for improving your situation.

But the reality is that today, there are more ways to make and save money than at any time in history. You just have to know how to leverage them. And sometimes, getting started is the hardest part.

That’s where offers like these come in: they’re small wins that can take some budget stress off of your shoulders or boost your spirits with a little extra spending money, which can in turn help you focus on the next step in your financial journey.