HomeEarn MoneyTop 15 Refer and Earn Apps to Make Money in 2023

Top 15 Refer and Earn Apps to Make Money in 2023

You are always on the go and looking for ways to maximize your time. What if you could earn money while performing your everyday tasks using your smartphone? Refer and earn apps allow you to do just that by rewarding you for promoting products and services to your friends and family.

Whether you have a small social circle or a huge online following, these apps make it simple to earn cash through referrals with no special skills or experience required. All you need is a smartphone, some spare time, and the motivation to share these money-making apps with people you know. 

Ready to learn how you can make money from your phone without doing anything difficult or technical? Keep reading to start earning from the top refer and earn apps this year.

What does it mean?

Before you start digging into the depths of the earning process, first understand what these apps are. Refer and earn apps are a type of mobile app that allows users to earn rewards by referring their friends and family to the app. The rewards can vary depending on the app, but they typically include things like cash, gift cards, or in-app currency.

Refer and earn apps are a great way to earn some extra cash or rewards without having to do much work. All you have to do is download the app, sign up, and then start referring your friends. Once your friends sign up and start using the app, you will earn rewards.

Types of Refer and Earn Apps

There are several types of refer and earn apps available today that allow you to earn money with your smartphone.

Cashback Apps

These apps offer you cash back for shopping at certain stores or restaurants. They track your purchases and then deposit money directly into your account. Some of the popular options are Rakuten, Dosh, and Drop. The cashback rates typically range from 1-10% depending on the merchant. The benefits are you earn money for shopping as usual, but be aware that it can take time for the cashback to be deposited and the rates are often lower than credit card rewards.

Survey Apps

Survey apps reward you for completing market research surveys on your phone. Some well-known survey apps are Survey Junkie, Swagbucks, and InboxDollars. You earn points or cash for each survey which can then be redeemed for gift cards or cash. Survey topics can cover anything from new products to political opinions. While surveys are an easy way to earn on the go, the rewards are often minimal and it may take time to accumulate enough points for payout.

Microtask Apps

Microtask apps pay you to complete small tasks on your phone like watching videos, playing games, and more. Apps such as Mistplay, Swagbucks, and InboxDollars allow you to earn points for these microtasks which can then be exchanged for gift cards. The tasks are simple but again the pay is typically low. The points can also expire if not used within a certain time period based on the app.

Survey Apps

Survey apps allow you to earn money by providing your opinions and insights on various topics. By downloading these apps to your smartphone and completing surveys in your spare time, you can generate extra income through gift cards or cash.

Gaming Apps: Play Games to Earn Money

There are several gaming apps available that allow you to play games and earn money. These apps work by giving you points or rewards for playing games, completing levels and tasks, or achieving certain milestones, which can then be redeemed for cash or gift cards.

How Refer and Earn Apps Work

Refer and earn apps allow you to earn money by referring friends and family to use various products and services. Here’s how these types of apps generally work:

How referrals generate revenue?

Refer and earn apps to partner with other companies that provide products and services. When you refer someone to use one of these partner companies, you earn a commission for the referral. The revenue model depends on the specific app and partnerships. Some common models include:

  • Pay-per-install: You earn money when someone installs a partner’s app or signs up for a service using your referral link.
  • Pay per action: You earn commissions when your referrals take a specific action like making a purchase or subscription.
  • Lifetime value: You earn a percentage of all the money your referrals spend over their lifetime using the product or service.

The key is to refer people to high-quality, useful products and services so you can build a recurring income stream from loyal referrals.

Tracking Your Referrals

Refer and earn apps provide you a unique referral link or code to share with your network. When someone signs up or makes a purchase using your link, the app tracks that referral back to you so you get credit for the commission. Many apps let you see details on your referrals like names, contact info, and lifetime value so you know exactly how much you’ve earned from each person.

Payment Methods

Most refer and earn apps pay out commissions and bonuses through PayPal, bank transfer, gift cards, or cryptocurrency. Payout thresholds, or the minimum you need to earn before you can withdraw money, typically range from $10 to $100. Some apps offer additional bonuses and higher payouts if you reach certain milestones.

While refer and earn apps provide an easy way to make extra money in your spare time, be cautious of any apps that seem scammy or make unrealistic earning claims. Do your research to find reputable apps with strong referral programs and lots of satisfied users. By putting in the effort to build a network of loyal referrals, you can earn good money over the long run through these types of apps.

Benefits of Using Refer and Earn Apps

Refer and earn apps provide several benefits to users looking to make some extra money with their smartphones.

Passive Income Potential

Refer and earn apps offer the opportunity to generate passive income. By simply referring friends and family to an app and having them sign up using your referral code, you can earn money from their engagement and activity on the platform without having to do any additional work. As long as the people you refer remain active users, you’ll continue earning rewards and cash back.

Low Risk, Low Barrier to Entry

Using refer and earn apps requires little risk or investment. Anyone with a smartphone can get started referring friends to apps they already use and enjoy. There’s no cost to sign up and start earning, and no need to change your usual habits or behaviour. You’re simply sharing apps you like with people in your network.

Wide Variety of Apps to Choose From

There are refer and earn apps for just about any interest, need, or lifestyle. Options include cash-back apps, survey apps, gaming apps, dating apps, travel apps, and more. No matter what you’re into, you can likely find, refer and earn apps that match your interests and that you genuinely enjoy using and sharing with others.

While refer and earn apps provide easy ways to make money from your phone, there are a few precautions to keep in mind. Be selective about which apps you choose to use, as some may sell or share your personal data. Do research to find reputable apps with strong privacy policies and security measures in place. Also, be aware that referral bonuses and earnings are not guaranteed, as they depend on the activity and engagement of those you refer. Refer and earn apps should be viewed as a way to generate supplemental income, not replace a steady paycheck.

With some discretion, refer and earn apps offer a simple method for earning money through your smartphone by sharing apps you already enjoy with friends and family. By selecting high-quality refer and earn apps and building a network of active referrals, you have the potential to create passive income streams and earn rewards and cashback for everyday spending.

Precautions: What You Need to Know

Refer and earn apps allow you to make money by inviting friends to download apps or complete tasks. However, there are a few precautions you should keep in mind when using these apps to earn money:

Only Provide Real Information

When signing up for refer and earn apps, only provide your real information like name, email address, and phone number. Do not provide fake information in order to earn extra referrals, as this is considered fraud and could get you banned from the app.

Read the Fine Print

Carefully read the terms and conditions for any refer and earn app before using it. Some apps may have restrictions on how you can refer people or earn money. Make sure you understand the referral process and any fees that may be deducted from your earnings before inviting friends to join.

Do Your Own Research

Do some research on the refer and earn apps you want to use to make sure they are legitimate. Check independent reviews to look for any mentions of scams or people not receiving payments. Be wary of apps that promise very high payouts for little effort. If something seems too good to be true, it likely is.

Track Your Referrals and Earnings

Keep records of all the people you refer to an app and any money you earn. Note the dates you earned the money and the payment method, e.g. PayPal, gift card, etc. This will help ensure you receive all payments owed to you and can dispute any missing funds with the app developer.

Cash Out Regularly

Once you’ve earned a payout threshold, cash out your money from the refer and earn app as soon as possible. Don’t leave large balances sitting in the app, as your money could potentially disappear if the app shuts down or goes out of business. It is best to cash out at least once a month if possible.

By following these best practices, you can safely use refer and earn apps to make some extra money with your smartphone. However, be cautious and do your due diligence on any app before investing a lot of time and effort into referring new users.

Refer and earn apps are a great way to make some easy money in your spare time. All you have to do is share your referral code with friends and family and earn cash when they sign up or complete offers. Why not take advantage of these popular apps to pad your wallet in 2023?

Top 15 Refer and Earn Apps to Make Money

  1. Winzo

Winzo is one of the highest-paying referral apps. Just share your code and earn ₹50 for each friend who signs up and ₹10 for their daily logins. Withdraw your earnings via UPI or Paytm. Winzo offers fun games your friends will surely enjoy!


How to Earn Money From Winzo Referrals

To start earning money from the Winzo app, you’ll first need to download the app on your Android or iOS device and create an account. Once your account is set up, you’ll get a unique referral code that you can share with friends and family. For every person that signs up using your code, you’ll earn Rs. 10.

The people you refer will also get Rs. 10 added to their Winzo wallet. It’s a win-win! The more people you refer, the more money you can make. Some users have earned over Rs. 50,000 just from referring to other players.

Refer and earn apps are a great way to make some easy money in your spare time. All you have to do is share your referral code with friends and family and earn cash when they sign up or complete offers. Why not take advantage of these popular apps to pad your wallet in 2023?

  1. MPL

On MPL, you’ll get ₹25 for each referral and 10% of what your friends win or top up. MPL features popular fantasy sports like cricket and football. Your friends can enter free contests to start building their bankrolls.

  1. CubeSquare

CubeSquare rewards you ₹10 for each friend you refer who completes a survey. Surveys on CubeSquare are short and sweet, covering topics like shopping preferences and brand opinions. Payments are made via PayPal, Paytm, and bank transfer.

  1. Zoutons

Refer friends to Zoutons, India’s popular coupon site, and earn ₹20 per signup and 10% of what they save. Zoutons offers promo codes and deals for thousands of stores like Myntra, Swiggy, and Amazon. Your friends will appreciate saving money on their favorite brands.

  1. MyPoints

MyPoints is another popular option to earn gift cards and cash for your daily activities. You can earn points for reading emails, completing surveys, shopping online, and referring friends. Redeem your points for gift cards to popular stores like Amazon and Walmart or for cash via Paypal. MyPoints has paid out over $236 million in rewards to members.

  1. PhonePe: Refer and Earn Upto ₹1000 Per Referral

PhonePe is one of India’s leading payment apps. They have a refer and earn program where you can earn up to ₹1000 for each friend you refer. Here’s how it works:

When you refer a friend to PhonePe, you both get ₹100 added to your PhonePe wallet as soon as your friend completes their first transaction on PhonePe. The best part is there’s no limit to how many friends you can refer!

To refer a friend:

  • Open the PhonePe app and tap on the Profile icon at the top left.
  • Tap on ‘Refer & Earn’ under the ‘My Account’ section.
  • Tap on ‘Refer Now’ and share your referral code or link with friends via WhatsApp, SMS, Email or any other messaging app.
  • Ask your friends to download the PhonePe app and enter your referral code during signup to get ₹100 added to both your wallets.
  • You get ₹100 when your friend completes their first transaction, like mobile recharge, utility bill payment or money transfer.
  1. Google Pay: Refer and Earn Upto ₹21 Per Referral

Google Pay is one of the most popular UPI payment apps in India with over 67 million monthly active users. They have a refer and earn program where you can earn up to ₹21 for each friend that signs up and links a debit/credit card or bank account to Google Pay.

To refer your friends, open the Google Pay app and tap the profile icon in the top right corner. Select ‘Refer and earn’ to get your unique referral code. Share this code with friends and family through social media, SMS, or messaging apps. For each new user who enters your code during signup and links a payment method, you’ll both earn scratch cards worth up to ₹21 that can be redeemed for mobile recharges, bill payments, and more.
The best part is there’s no limit to how many people you can refer. So keep sharing your code and scratch cards to earn even more rewards. Google Pay referrals are an easy way to make some extra money with little effort on your part.

  1. Paytm Referral Program: Earn ₹30 Per Referral

Paytm is one of India’s largest mobile payments and e-commerce companies. They offer a generous referral program where you can earn ₹30 for each friend you refer

Paytm offers a generous ₹30 referral bonus for each new user you refer. By actively promoting your unique referral code, you have the potential to earn good money through their program. Take advantage of their frequent referral offers and leaderboards to maximize your earnings. The more you refer, the more you can make with Paytm!
Here’s how it works:

  • Log in to your Paytm app and go to the Refer & Earn section. Tap “Refer Now” to get your unique referral code.
  • Share your referral code with friends and family through messaging apps, social media or in person. When someone uses your code to sign up for a new Paytm account, you’ll both get ₹30 credited to your Paytm wallets.
  • The more people you refer, the more you can earn. Paytm frequently runs referral bonus offers where you can earn ₹50-100 per referral for a limited time. They also have weekly and monthly leaderboards where top referrers can win additional cashbacks and prizes.
  • The best way to get lots of referrals is to share your code on platforms where you already have an audience, such as a blog, YouTube channel, or active social media profiles. You can also share your code in Paytm referral Facebook groups and on websites like Latest Deals, Coupons & Offers where people are actively looking for referral codes to sign up for new services.
  • Once your referrals sign up and add money to their wallets, the referral bonus will be automatically credited to your Paytm wallet within 3 business days. You can then use that money to recharge, pay bills or shop.
  • Paytm referral program is an easy way to earn some extra cash and rewards. Keep promoting your code and referring new users to get the most out of this opportunity. With the huge growth of digital payments and e-commerce in India, Paytm’s user base will likely continue to grow over the coming years, giving you a chance to earn more referral income with them long-term.
  1. Garena Free Fire: Refer and Earn ₹30-50 Per Referral

Garena Free Fire is one of the most popular battle royale games in India with over 80 million daily active users. Their refer and earn program allows you to earn real money by inviting your friends to play the game. For every friend that joins using your referral link and reaches level 10 in the game, you get ₹30-50 added to your Garena wallet.

  1. InboxDollars

InboxDollars allows you to earn money by taking online surveys, reading paid emails, playing games, and searching the Internet. For every survey you complete and every email you read, you earn cash that’s deposited directly into your InboxDollars account. Then you can redeem your earnings for gift cards or request a check. InboxDollars has awarded over $57 million in cash rewards to its members.

  1. Dream11: Refer and Earn ₹100 Per Referral

Dream11 is India’s biggest sports game and fantasy sports platform that allows users to play fantasy cricket, football, kabaddi and basketball. They have a refer and earn program where you can earn ₹100 for each friend you refer. Here’s how it works:

To refer your friends, go to the Dream11 app and tap the “Refer and Earn” option. You’ll get your unique referral link which you can share with your friends on WhatsApp, Facebook or any other social media platform.

  1. Rakuten 

One of the largest cashback sites with over 2,500 stores to choose from like Walmart, Best Buy, and Kohl’s. They offer browser extensions to automatically alert you to deals and coupons as you shop online.

  1. Mistplay

Mistplay pays you to play Android games. You earn points for every minute you play, which can be redeemed for gift cards. The more you play, the more points you earn. Mistplay offers a variety of popular games across many genres like puzzles, casino, RPG, and casual games.

  1. Wikibuy

Scans the web for the best prices and coupons as you shop. In addition to cash back, it provides price drop alerts, price history charts, and an innovative price prediction model to help determine if prices may decrease in the future.

  1. Swagbucks

Swagbucks is one of the most popular survey apps. It offers a variety of ways to earn points called “Swag Bucks,” including taking surveys, watching videos, searching the web, and shopping online. Once you accumulate enough points, you can redeem them for gift cards to places like Amazon, Target, and PayPal.

How to maximize your earnings

Here are a few tips to boost your referral income:

  • Share your code on social media. Post it on platforms like Facebook, Instagram, and Whatsapp where you have lots of friends and followers.
  • Offer incentives. For example, tell people you’ll split the bonus 50/50 with them. This can motivate more people to use your code.
  • Refer active players. Focus on friends and family who already play games and use apps on their mobile devices. They’re more likely to keep using such apps which means more money for you in the long run.
  • Promote the latest promotions. Refer and earn apps frequently offers promotions like double referral bonuses. Share the news of these promotions and your code to take advantage of the increased incentives.
  • Refer groups of people. See if you can share your code with sports teams, work colleagues, or local organizations. The more people you can refer at once, the bigger your bonus will be.
  • Keep promoting your code. Don’t just share your code once and be done with it. Remind people on social media and through messaging to use your code when signing up for apps. Repeat referrals mean repeat earnings!

With some smart promoting, you can build up a steady stream of referral income from such apps. And the best part is you earn money while helping others earn money too. It’s the perfect win-win situation!

FAQs: Common Questions About Refer and Earn Apps

Refer and earn apps offer several benefits to users looking to make some extra money with their smartphones. However, there are a few common questions many people have before getting started.

How much can I earn?

Earnings potential will vary depending on the specific apps you use and how much time you spend using them. Most people earn between $5 to $50 per month using a variety of apps. The more apps you use and the more active you are within each app, the higher your earnings can be. Some of the highest paying apps provide opportunities to earn $200 or more per month for very active users.

How do I get paid?

The majority of refer and earn apps pay users through gift cards, like Amazon or Starbucks, that can then be used to make purchases. Some apps also offer the option for direct PayPal payments or bank account deposits. The payout method depends on the specific app. Some have minimum thresholds that must be met before issuing payments, like earning $10 or more.

Is it secure to use these apps?

As with any app, it is important to use caution when providing personal information. Only download refer and earn apps from trusted sources like the Google Play Store or Apple App Store. Carefully review the app’s privacy policy to understand how your information and activity within the app may be collected and used. As long as you take normal precautions, most popular refer and earn apps are secure to use and will not put your information or device at risk.

What types of refer and earn apps are there?

The major categories of refer and earn apps include survey apps, cash back apps, review apps, and passive income apps. Survey apps allow you to provide opinions and insights through surveys for money. Cash back apps give you rebates when shopping online or in stores. Review apps pay you to write reviews of products, services or locations. Passive income apps are designed to earn money with minimal effort through activities like watching videos, playing games or shopping. There are many options to choose from in each category.

In summary, refer and earn apps can be an easy way to generate some extra money in your spare time using your smartphone. Take normal security precautions, choose reputable apps, and be active within them to maximize your earnings potential. With consistency, these apps may provide an ongoing source of passive or side income each month.


In conclusion, refer and earn apps provide an easy way to earn some extra money with little effort using your smartphone. While the amounts are typically small, over time they can add up to a reasonable sum. However, as with any money-making opportunity, there are some precautions to keep in mind. Be wary of apps that seem too good to be true or request sensitive information. Do some research to ensure the app and company are legitimate. Start with well-known apps to build up your experience. And remember, any money earned still needs to be claimed as income for tax purposes. If you go in with realistic expectations, refer and earn apps can be a simple way to earn money through your smartphone.



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