Best Online Money Transfer & Loan Services Paying You to Refer a Friend

  • Trade with $1
  • Earn up to 90% profits
  • Easy deposits
  • Fast withdrawals
Make up to $1000 daily. Sign up to get started.


It is easier to make money with refer a friend program than it is easy to earn working at a full-time job.

All you need to do is to register on websites that pay people free money and boom! You are ready to start earning.

The best part?

Wait for it.

You don’t need any college diplomas or even an investment capital to start.

All you need is a lead of friends to recommend products to and faith that they will buy with your link. When they act on your recommendations; BOOM! BOOM! BUM! You get paid.

And even though, there are thousands different companies on different niches with such reward options;

Today I only want to focus on a few online money transfer services that I use in person and that are a major source of my monthly income on this and other blogs.

1.Refer a Friend to  Skrill 

Skrill is an Online Money transfer service that allows you to send and receive payments through the internet. The best thing about Skrill is, it allows you to make safe online transactions at the lowest transfer costs.

As a freelancer you can use Skrill to receive payments for all your finished projects from different freelancing websites

  • Trade with $1
  • Earn up to 90% profits
  • Easy deposits
  • Fast withdrawals
Make up to $1000 daily. Sign up to get started.

You can also use Skrill to pay for freelance orders.

Interestingly, all Skrill account users get the privilege to refer friends and be paid for all transactions done by these leads.

Skrill commission could be anything from $0.01 to infinite figures. With such low commissions, you need thousands of friends transacting everyday to get enough money to buy a cup of coffee at the end of the month.

If you are interested in the Skrill refer a friend program, click here to login or register 

When you are logged in, click on settings then to referrals program as shown in the image below. You will see a link. Copy and share the link with your friends.

If your friends use this link to register, you will earn money when they transact.

Skrill Mpesa - refer a friend

2.Refer s Friend to  Neteller

Like Skrill, Neteller is another low cost international money transfer service used to deposit money to forex accounts and on other social service platforms.

If you are in Kenya, you can withdraw money from Neteller to Mpesa in seconds.

You can also withdraw money from Neteller to other e wallets such as bitcoin, perfect money or evonex pay.

Unlike Skrill, Netteller does not have a refer a friend service under its services. But that’s not to say that you can not refer someone to Neteller and get paid for it. You can! But how?

Visit the Paysafe website

Paysafe runs affiliate programs for both Skrill and Neteller. However, the affiliate program is only for individuals and businesses with websites.

As such, it is limiting and hard to get into.

Not to worry though, I will design your website for free to give you an upper hand. Find the details of this interesting opportunity here.

3. Payoneer – Earn $25 by referring a friend.

Among the refer a friend programs that pay well in the online money transfer business is Payoneer.

Like the first two services on this post, Payoneer provides international online money transfer and digital payment services.

You can use Payoneer to shop online, to make online payments and or to withdraw money sent to you from abroad at any ATM countrywide.

When you register for this service, you also become eligible for the Payoneer refer a friend service which earns you $25 for every friend you bring on board.

Visit Payoneer Website to start earning 

And it is also easy to recruit people to this service because your friends also get $25 free money for registering under you.

In short, your job is to tell your friends about Payoneer and to recommend that they sign up with your payoneer link. When that happens, you both get $25.

To start earning, login to your account and click on the box titled – earn $25 on your sidebar. Register here to start

Earn $25 with Payoneer

4. PayPal – Refer a friend & earn $5 up to $100

Another interesting money transfer service that pays you to refer your friends is Paypal. However, the program is currently only in America.

So if you are in America and you have a paypal account, just download the paypal app.

  • Trade with $1
  • Earn up to 90% profits
  • Easy deposits
  • Fast withdrawals
Make up to $1000 daily. Sign up to get started.
  • Login to your paypal account
  • Click on the settings button
  • Then finally click on refer a friend & get $5 to start earning money for each of your contacts who register

Note that if you have the privilege to earn with the paypal refer a friend service then it is part of the rules that you only share the link with your contact and not the public.

If you violate the rules you will not earn.

5. Earn cash rewards by referring your friends to Evonex Pay

What is Evonex Pay?

Evonex pay is a financial platform designed to offer convenience to users who wish to buy international currencies from platforms such as  Paypal, Skrill, Perfect Money, Advcash… And sell to local currencies such as Kenyan shilling, Nigerian Naira or the Ghanaian Cedi.

You can also use Evonex pay to buy and sell crypto currencies such as Bitcoin, Ethereum and Ripple and sell to different currencies.

My personal favorite?

Evonex allows you to send money from just about any online money transfer platform to Mpesa.

If you don’t have an Evonex Pay account, register here. If you are already registered, login to your Evonex Pay account, click on the dashboard and locate the referral program on the sidebar or on the menu bar ash shown below.

How to refer a friend to evonex pay


6. Get free money by referring your friends to Branch Loans 

Branch is a mobile money lending service that offers instant mobile loans to borrowers in Kenya, Nigeria, Tanzania and Mexico.

As it is millions of borrowers from these countries are already using the service for quick cash emergencies.

To entice borrowers into paying back branch lons and to also bring more business to the company; branch started its own referral program which pays you Ksh. 500 for every client you bring on board.

The catch is, if your client is approved for loaning and they pay back their first loan, you get paid.

If you are already a branch customer then you qualify for the refer a friend program: –

  1. Login to your branch account
  2. Tap on the menu icon
  3. Locate the invite friends button under the menu and click on it
  4. You will see your promotion code and an invitation icon — click on the icon
  5. Now choose your prefered messaging app to share the link

When your friends use your link to register; and if they pay back their first loan, you are paid Ksh. 500.

7. Refer a friend to Uhasibu and earn Ksh. 3,000

What is Uhasibu ?

Uhasibu is an Online accounting package developed for the Kenyan Small and medium sized businesses to aid them with financial accounting.

A new business in Uhasibu gets one month free trial and free training and can later on fit to a prefered package.

If you are already using this service you can refer your friend s and earn up to $300 per lead.

The best part however is, you don’t have to be using the service to refer your friends; you can just join Uhasibu for the sole purpose of referring people for money.

If you are interested in this refer a friend program, register here.

And note that you may need a website to reach more leads. I will help you build your website for free. Claim the offer here 

Kenya's best refer a friend program

8. How not to pay Tala Loan – Refer a Friend!

Unlike other referral programs, the tala loan app refer a friend program gives Ksh. 500 discounts to borrowers on due loan repayments.

If you have a tala loan which you don’t want to repay with your money, just refer your friends via your refer a friend link or promotion code and if they repay their loans; yours will be forgiven in bits.

How to start earning the Tala referral bonus 

  1. It is easy — just login to your tala app
  2. Tap on the menu button and click on refer a friend to access your link
  3. Share your link via your preferred sms platform

If the people you refer repay their loans in full, your next loan repayment will be forgiven by a total sum of Ksh. 500

9. Earn Ksh. 375 by inviting your friends to use Kenyapesa

What is Kenya Pesa?

Kenyapesa is a mobile money service which allows you to send money to Kenya fast and affordably from any bank account.

The person you send money to can withdraw money via Mpesa, airtel money or just make a walk in to any of Kenya Pesa agent shops to pick hard cash.

In addition, you can send airtime from Kenyapesa.

Register for Kenyapesa service here 

  • After you have registered, check your email to get a system generated password.
  • Login to your dashboard
  • Scrollto the middle to get your referral link
  • Share the Kenyapesa referral link and get paid CAD 5 for every lead you close 

Refer s Friend and earn

Kenn Omollo is an investment writer and a business management consultant at Joon Online Limited. Reach him at -

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