Referral picks, with nothing hidden.

A Canadian platform for investing, saving and everyday banking, all in one app.

The offerThe referral invite says you get $25 when you fund any account using the code.

Before you sign upInvesting carries risk, and a sign-up bonus is not a reason to pick an investing platform. Compare fees and account types first.

Code: 1ZAGFGCopy

A cash-back portal: you start your online shopping trip from Rakuten and get a percentage back at participating stores.

The offerThe referral invite says you get a $30 cash bonus when you sign up.

Before you sign upReferral bonuses like this usually require a minimum qualifying purchase. Read the conditions on the sign-up page before counting on it.

A payments and gift-card app that gives cash back when you pay at participating brands.

The offerThe referral invite says you automatically receive a welcome coupon plus a referral reward coupon, with cash back at Amazon, Apple and 500+ brands.

Before you sign upI have not seen the coupon values or their conditions, so check them in the app before you rely on them.

Code: 51487BCopy

Restaurant and grocery delivery. This one only matters if you have never ordered on Uber Eats before.

The offerThe referral invite says first-time users get $20 off their next 2 delivery orders.

Before you sign upNew users only, and terms apply. Delivery and service fees still add up, so the discount is a one-time perk, not a way to save money on food.

Code: eats-munhluiCopy

A Canadian fintech offering rewards credit cards and savings accounts through an app.

The offerThe referral invite says you get a welcome bonus when you join with the link. It does not state the amount.

Before you sign upApplying for a credit card is a real financial decision and can involve a credit check. Do not open one for a bonus alone.

Code: G6N5A7K9Copy

A service for sending money abroad from your phone or computer.

The offerThe referral invite says you get $20 off, no fees, and a special exchange rate on your first transfer of $50 or more.

Before you sign upThe promotional rate applies to the first transfer only. If you send money regularly, compare the regular rate and fees against other services for your corridor.

A Canadian online-only bank with chequing and savings accounts and no branches.

The offerThe referral invite says that if you become a client using this Orange Key, you could earn $50. Enter the key when you open your account.

Before you sign upThe link goes to Tangerine's own referral page; the Orange Key is what identifies the referral. Bonuses normally have deposit conditions, so read them there.

Orange Key: 40411805S1Copy

Web hosting and domains, aimed at people putting up a first site or a small project.

The offerThe referral program says you get 20% off your first purchase.

Before you sign upHosting is often discounted for the first term and renews at a higher price. Check the renewal price before choosing a long plan.

Code: TJJTRILY1PKFCopy