Looking to get a head start on your savings or investments? Financial apps are offering more lucrative sign-up bonuses than ever to attract new users. We've sifted through the noise to bring you the top five referral programs that offer real value in 2025.

1. Revolut: The All-in-One Finance Super App

Revolut continues to dominate with its aggressive referral program. New users who sign up with a referral link can get up to $90 as a welcome bonus. The requirements are straightforward: verify your identity, order a physical card, and make a few small purchases.

Why we like it: Beyond the bonus, Revolut is an incredibly powerful tool for international travel, low-fee currency exchange, and even stock trading.

2. Wise (formerly TransferWise): For International Transfers

While not on our main list yet, Wise is a must-mention. Their referral program typically offers a fee-free international transfer of up to $600 for new users. If you send money abroad, this can save you a significant amount compared to traditional banks.

Why we like it: Wise is unparalleled in its transparency and low costs for international money transfers. It's a must-have for expats, freelancers, and global citizens.

3. Trading 212: A Free Stock to Start Your Portfolio

For those looking to dip their toes into investing, Trading 212's referral is fantastic. New users receive a randomly selected free stock worth up to $100. It's a gamified and exciting way to start your investment journey with zero risk.

Why we like it: The platform is commission-free and incredibly user-friendly, making it perfect for beginners. The "free stock" bonus is a great incentive to learn about the market.

4. Coinbase: Your Gateway to Crypto

As cryptocurrency becomes more mainstream, Coinbase remains one of the easiest platforms to get started. Their referral program typically offers $10 in free Bitcoin to both the referrer and the new user after an initial trade of $100.

Why we like it: Coinbase makes buying, selling, and storing cryptocurrency simple and secure. It's the most trusted on-ramp into the world of digital assets.

5. N26: Modern Digital Banking

N26 is another strong player in the digital banking space. While their referral bonuses vary by region, they often provide a cash incentive for signing up and using the card. Their app is known for its clean design and powerful budgeting features.

Why we like it: N26 provides a seamless, mobile-first banking experience with instant notifications and easy-to-use spending categorization.

Conclusion

These referral programs are a win-win. You get a valuable bonus for trying out a new service, and the company acquires a new customer. Before signing up, always make sure to read the terms and conditions of the offer, as they can change. Happy saving!