How to Max Out Cash App Referral Bonus in 2023 (Verified)

Written By Branson Knowles

Cash App is one of the most popular P2P (peer-to-peer) transfer apps around. You can send and receive money instantly using the app, and it comes with a variety of other features as well that make money management easy.

Cash App has a referral code program, meaning if you use someone’s link to sign up for the app you and the referrer get paid. My unique code is, or just NJGHG5Z if you’re using a mobile device.

If you use my code to sign up for Cash App and link your bank account, Cash App will give you a free $5! In the interest of complete transparency (something you won’t find on other sites), I will also receive a referral bonus of $5!

If you’re one of my contacts, (I say my because Cash App changes this dollar amount from user to user) and you use my referral code to create a Cash App account, I would receive a $15 bonus. 

If you want to see how it works, check our video guide on the topic:

How to Get $30 Cash App Referral Bonus

Before creating content for, I didn’t use Cash App (I used Zelle and Apple Pay mostly). I downloaded it about a week ago to familiarize myself and write articles with firsthand experience about it.

I only mention this timeframe because the usual referral bonus is only $5 and I think my bonus is higher because I’m new to the app. My girlfriend has been using Cash App for some time and her bonus is only $5 as well.

If you look up the bonus structure online, you won’t find any clear answers. Some sites report bonuses of anywhere between the usual $5 and an astounding $30 for referrals. 

I reached out to Cash App as well for some clarification as to why some users receive up to 6x the same bonus referral amount. 

The only thing they said is that “referral bonuses may vary”. From what I saw in videos online, the only people who had $30 referral bonuses were ones with a large amount of money in Cash App, either in their balance or in cryptocurrency. 

In short, there’s no way to control your bonus that I know of. Maybe if you increase your holding with Cash App, they might increase your referral bonus, but again that’s just a guess. 

cash app response referral code bonus

How to Find Your Cash App Referral Code

Cash App shrouds their referral payment structure in mystery, and they also make it difficult to find your referral code.

The only way to find your Cash App referral code is to send it to someone who doesn’t have Cash App yet. 

To find your referral code, you can follow a few short and easy steps:

  1. Log into Cash App: This step is easy. Just log into your Cash App to get started.
  2. Click on your profile: In the upper right hand corner of your screen is your profile. I have an image of myself for my profile picture. If you don’t have a profile picture, you’ll just see a silhouette instead.

finding cash app referral code step 1

  1. Click “Invite Friends”: Right underneath your profile picture is a button that says “Invite Friends”. Click on that to move forward.

finding cash app referral code step 2

  1. Decide whether to give Cash App access to your contacts: If this is your first time logging into this screen, Cash App will ask you for permission to access your contacts. This is entirely up to you. If you click yes, your contacts will appear on your screen and you’ll see who you can send an invitation to and who already has Cash App. If one of your contacts has already created a Cash App account, you can’t send them an invitation. If they haven’t, you’ll see a green button saying “Get $X” depending on how much your referral bonus is.

finding cash app referral code step 3

 If you don’t want Cash App to have access to your contacts, you can click no and refer people by their name, phone number, or email.

  1. Refer anyone, including another one of your emails: Once you click someone, Cash App will generate a pre-written message inviting the contact to the app, only requiring you to hit send. In this message is your referral code, at the end of a link and on its own. Write this referral code down and you can give it out whenever you want!

I pretended to text my Mom, who doesn’t use Cash App, as an example:

texting cash app referral code

Once someone uses your referral code and either connects their bank account, debit card, or activates the Cash Card (if they’re under 18 years old), you’ll see your referral bonus in your Cash App balance.

If you received a referral code but haven’t connected an applicable bank account, you’ll have two weeks to do so before the code and bonus expire. 

If you redeem someone else’s code, you’ll get a notification telling you the first part of the redemption is done, and it will give you instructions on how to finalize the process. 

cash app referral code linking bank account

If you use a referral code online, like through the link I used at the top of this article, it will look a little something like this:

branson knowles cash app referral code

Why is My Cash App Referral Code Not Working?

A lot of Cash App users have reported problems with their referral code. Some people report that the code simply doesn’t work, others say that it’s missing entirely. 

If you Cash App referral code isn’t working, it could be for a couple of different reasons:

Someone Has Used Your Account Before

To get the Cash App referral bonus, you need to link a bank account that is new to Cash App. If you have a cosigner on your bank account — like your spouse or parent — and they’ve used the account before, Cash App won’t give you the bonus. 

Check with whoever else is on your bank account to see if this is the reason you aren’t getting your bonus.

You’re Using the Wrong Referral Code or Link

If you take a look at my referral code up above, it’s a pretty messy combination of characters and numbers. If you didn’t copy and paste the link or entered it in manually, there’s a good chance you simply got the characters wrong. 

Try entering them again more carefully, or click on the link and make the process automatic.

The Referral Link Expired

Like I mentioned previously in the article, Cash App referral bonuses are only good for two weeks. If you’re past the deadline, that referral code won’t work anymore. Send it again to renew it for another two weeks.

You Haven’t Fulfilled the Requirements

This is probably the most likely reason your Cash App referral code is missing or not working. As you can see from another one of my handy pictures above, there are a certain number of requirements you must complete before redeeming your Cash App bonus. 

You must connect an active, new to Cash App bank account to get the bonus. If you’re under the age of 18, you need to get and activate a Cash Card and send $5 to another user on Cash App. 

Cash App is Investigating or Penalizing Your Account

Cash App is diligent in making sure every one of their users has a right to be on the account. Working at Chase Bank, I know our mobile division was always looking over and vetting new users, making sure they weren’t involved in any terrorist financing or money laundering. 

Moreover, they also wanted to make sure you were in good standing with other banks and weren’t just using their mobile platform to scam people. 

If you haven’t received your bonus, it could be possible that Cash App is stopping you from getting it. If you think this is the case, reach out to their handy customer support through the app and ask. 

Why is My Cash App Referral Code Missing?

If your Cash App referral code is missing altogether, you could have a separate problem from the list above. It isn’t common, but if your code is missing there could be a problem with how your account was created.

Cash App lets its users create their accounts without requiring too much information. The more information you give them, the more capabilities you’ll have access too.

One of the reasons why your referral code is missing could be because you haven’t entered enough of your own information into Cash App. If you’re willing to, fill out the remaining portions you previously left blank and then reload the app.

If that still doesn’t work, you may have to reach out to customer support. I did earlier, and Cash App has a great way of going about providing customer service.

You can use the handy chat feature within the app. You message customer support then close the app and move on about your day. It shouldn’t take more than an hour for them to respond, and when they do you’ll get a notification like a text message so you don’t miss it. 

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About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining, breaking down banking like only an ex-banker could.

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