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Are you looking to make some extra money in 2023? One easy way to do so is by using refer and earn apps. These apps offer cash or other rewards for referring friends and family to sign up and use their services. In this blog post, we'll be taking a look at the top highest paying refer and earn apps that you should try in 2023. From cashback apps to survey apps, there are plenty of options available to help you earn some extra money. So, read on to find out more and start earning today! Don't miss out on the opportunity to boost your earning potential in the new year.

1. upGrad

upGrad is an online education platform that offers a wide range of degree and professional development programs in areas such as data science, technology, and management. The platform also has a referral program that allows users to earn rewards for referring friends and family to sign up and use their services. 


The referral program works by providing users with a unique referral link or code, which they can share with friends and family. When a referral signs up and completes a program through the link or code, the referrer will be eligible for a 50% referral benefit after the friend successfully makes full payment for the program.


The referral benefit may vary depending on the program the referral signs up for. One of the benefits of upGrad's referral program is that there is no limit to the number of referrals a user can make. This means that users can potentially earn a significant amount of rewards through the program. Additionally, the referral program is open to both existing and new users of the platform, so anyone can participate. 


In summary, upGrad's referral program offers a mutually beneficial opportunity for users, where they can earn rewards for themselves while also facilitating their friends and family's access to valuable education and professional development programs. The added benefit of a 50% referral benefit is a great incentive to participate in the program and earn money while assisting others in achieving their career goals.


2. BankSathi

BankSathi is a financial technology platform that offers a range of services such as savings and investment options, personal loans, credit cards, and insurance. The platform also has a referral program that allows users to earn cash rewards for referring friends and family to sign up and use their services. 


The referral program works by providing users with a unique referral code, which they can share with friends and family. When a referral signs up and uses the platform, the referrer will earn a cash reward. The amount of the reward may vary depending on the services used by the referral. 


One of the benefits of BankSathi's referral program is that there is no limit to the number of referrals a user can make. This means that users can potentially earn a significant amount of money through the program. Additionally, the referral program is open to both existing and new users of the platform, so anyone can participate. 


Overall, BankSathi's referral program is a great way for users to earn extra money while also helping friends and family access valuable financial services


3. OneCode

OneCode is a financial and investment platform that offers a referral program to its users. The program allows users to earn rewards for referring friends and family to sign up and use the platform's services. The referral program works by providing users with a unique referral code, which they can share with friends and family. When a referral signs up and makes a successful investment using the referral code, the referrer will earn a certain amount of reward. The amount and nature of the reward may vary depending on the investment made by the referral. Overall, OneCodei's referral program is a great way for users to earn rewards while also helping friends and family gain access to valuable investment opportunities.


4. WorldRemit

WorldRemit, a leading online money transfer service, allows individuals to easily and conveniently send money to over 150 countries worldwide. The platform offers a referral program, which enables users to earn rewards by referring friends and family to sign up and use the service. 


Users are provided with a unique referral code, which they can share with their friends and family. When a referral uses the code to make a successful money transfer, the referrer will earn an additional €15/£20/$20 on their transfer. The reward amount may vary depending on the amount of money transferred. 


One of the key advantages of WorldRemit's referral program is that there is no limit to the number of referrals a user can make, thus providing the potential to earn significant rewards. Furthermore, the program is open to both existing and new users of the platform, allowing anyone to participate. 



In conclusion, WorldRemit's referral program is an excellent opportunity for users to earn money, while also helping their friends and family access a reliable and convenient way to send money internationally. With the added bonus of an extra €15/£20/$20 on transfer, users can earn a significant amount by referring others to the platform.

5. TransferGo

TransferGo is a reputable online money transfer service that allows users to send money to various countries around the world. In addition to its convenient and secure money transfer service, TransferGo also offers a referral program that rewards users for referring their friends and family to the platform. 


The referral program is simple and easy to participate in. Users are provided with a unique referral code which they can share with their friends and family. When a referral signs up and makes a successful money transfer using the referral code, the referrer will earn a £20/€22 reward. Additionally, the referral will not be charged any transaction fee on their first transfer. This reward and benefits may vary depending on the amount of money transferred by the referral and the countries.

6. Remitly

Remitly offers an easy and secure way for users to send money to friends and family in over 50 countries. Along with this, it has a referral program where users can earn rewards by referring others to the platform. By sharing a unique referral code with friends and family, when they sign up and make a successful money transfer using the code, the referrer will earn a €15 reward and the referral will not be charged any transaction fee on their first transfer. This reward and benefits may vary depending on the amount of money transferred by the referral and the countries.

7. Wise

Wise is a leading online money transfer service that allows users to send money to various countries at the best exchange rate. In addition to its low fees and great exchange rates, Wise also offers an invite and earn program that rewards users for referring their friends and family to the platform. 


The invite and earn program is simple and easy to participate in. Users are provided with a unique referral link which they can share with their friends and family. When a referral signs up and makes a successful money transfer using the referral link, the referrer will be eligible for a fee-free money transfer. Additionally, the referral will also get a fee-free transfer on their first transaction. This reward and benefits may vary depending on the amount of money transferred by the referral and the countries.

8. Payoneer

Payoneer is an online payment platform that enables users to receive and make payments from businesses and individuals from around the world. The platform also features a referral program that rewards users for bringing their friends and family onto the platform. 


Users are provided with a unique referral link or code, which they can share with their friends and family. When a referral signs up and receives $1000 in payments, the referrer will receive a $25 reward. The reward may vary depending on the amount of money transferred by the referral.


One of the standout features of Payoneer's referral program is the unlimited referral potential, providing users the chance to earn a large amount of rewards. Additionally, the program is open to both existing and new users of the platform, making it accessible to anyone.



In summary, Payoneer's referral program offers a great opportunity for users to earn rewards while also helping their friends and family access a safe and secure way to receive and make payments worldwide. With a $25 reward for each referral that receives $1000 in payments, it is a great way to earn money while supporting others to achieve their financial aspirations.

9. CashKaro

CashKaro is a popular cashback and coupons website in India. It offers users cashback on purchases made on various online shopping websites. In addition to the cashback, it also has a referral program that rewards users for referring their friends and family to the platform. The referral program works by providing users with a unique referral link which they can share with their friends and family. 


When a referral signs up and makes a successful purchase using the referral link, the referrer will earn 10% of the lifetime earning of the referral. This means that for every purchase made by the referral, the referrer will earn a percentage of the cashback earned by the referral. There is no limit to the number of referrals a user can make, providing the potential to earn a substantial amount of rewards.


10. INDmoney

INDmoney is a personal finance platform in India that helps users to invest their money in mutual funds and other investment options. It also offers an invite and earn program that rewards users for referring their friends and family to the platform. 


The invite and earn program works by providing users with a unique referral link which they can share with their friends and family. When a referral signs up and invest their money using the referral link, the referrer will get stock worth ₹1000. The referral will also get a benefit on the investment made by them. This reward and benefit may vary depending on the amount of money invested by the referral and the investment options. The referral program is a great way for users to earn rewards while also helping friends and family gain access to valuable investment opportunities.



In conclusion, refer and earn programs are a great way to earn rewards while also helping friends and family gain access to valuable services and opportunities. These programs are offered by a variety of companies and platforms, from financial and investment platforms like BankSathi and upGrad, to money transfer services like WorldRemit and Remitly, to e-commerce platforms like CashKaro and INDmoney. 

One of the key advantages of these referral programs is that there is often no limit to the number of referrals a user can make, providing the potential to earn a substantial amount of rewards. Additionally, many of these programs are open to both existing and new users of the platform, allowing anyone to participate. 


In the year 2023, these apps are the best options to earn extra money through their referral program. These apps are not only easy to use but also have a great earning potential. It is a win-win situation for both the referrer and the referred. So, if you haven't tried any of these apps yet, it's time to do so and start earning rewards today.