16 Instant Sign Up Bonuses Without Direct Deposit Requirements
If you're looking for free money, the great news is that there are plenty of companies and apps that are willing to pay you to try them out.
However, one massive downside of a lot of sign up bonus apps is that they require significant direct deposits to get paid. So, if you're short on cash or don't want to reroute your deposits elsewhere, these methods don't work.
That's why in this post, I'm covering some of the best sign up bonus no deposit account offers you can use to snag free money without any deposit requirements.
The Best Instant Sign Up Bonus No Deposit Bank Account Offers
There are a lot of reward apps, investing apps, and banks out there with instant sign up bonuses. And the great news is that many of them don't require setting up direct deposit to earn:
1. Freecash
Freecash is a new rewards platform that lets its members earn by playing real money games, answering surveys, shopping online, watching videos, and more.
It's one of the most versatile rewards platforms out there. And new members get an automatic entry into a $250 cash sweepstake which is pretty awesome.
This bonus is a nice way to hit the ground running. I earned $2 on my bonus spin, but if you get lucky, you're in for a larger payday.
Plus, you explore 100+ earning options at a given time with Freecash. You then cash out with PayPal money, crypto, or free gift cards to companies like Amazon.
2. EarnIn
EarnIn isn't exactly a no deposit bank bonus. But it's a leading cash advance app that lets people borrow up to $750 against an upcoming paycheck.
That's right: EarnIn can help if need money to pay rent and other bills by lending you $100 a day. And this is a way more affordable option for getting quick money versus solutions like payday loans.
The best part is that the EarnIn app doesn't charge interest or run a credit check. Instead, it analyzes your income to determine how much you can borrow.
There's no mandatory fees. You don't pay interest or fees on your cash advance if you wait a couple of days either. Alternatively, you can pay a fee for an instant deposit that varies based on the total cash advance.
Overall, EarnIn is our favorite advance app out there. And you can check out similar apps like Super and Cleo for even more borrowing options.
3. Scrambly
Scrambly is a U.S. website like Freecash that's also packed with sign up bonuses that don't require direct deposits.
This free website pays you to download and play fun mobile games. It also has offers for trying out new products, registering for free trials, and shopping online.
Some of the mobile gaming offers payoung $25 to $75 or even more. And we like Scrambly since it adds new offers all the time. Plus, you cash out with PayPal at only $1 or for gift cards to Amazon, Apple, Google Play, Walmart, and more!
Start earning with Scrambly or read our Scrambly.io review to learn more.
4. Discover Cashback Debit
Want to get up to $360 in free cash back each year? Then you definitely need to check out the Discover Cashback Debit card.
This no-fee debit card pays you 1% cash back on up to $3,000 in monthly spending. That's a total of $360 in cashback per year, all without paying fees!
This is an easy way to make money doing nothing but shopping like normal. And Discover has plenty of other perks too. You can get your paycheck up to 2 days early, and there's also a network of 60,000+ fee-free ATMs.
You don't impact your credit score to apply or open an account either since it's a debit card. So, start earning cashback whenever you shop and try out Discover today!
5. Swagbucks
Swagbucks is a leading rewards website that lets you earn PayPal cash and gift cards in your spare time.
I've been using Swagbucks for years since my phone farming days in college. And it's one of the most popular get-paid-to sites out there.
I also like Swagbucks since it offers plenty of ways to make money, including:
- Answering surveys for money
- Shopping online
- Playing games for money
- Surfing the web
- Downloading apps
Plus, Swagbucks has a nice sign up bonus with no deposit bank account requirement. You can usually get $5 to $10 for signing up and earning a certain amount of Swagbucks in your first 30 days.
6. Survey Bonuses
Some of the easiest no deposit sign up bonuses come from survey sites. These sites let you earn cash and gift cards by sharing your opinion, and I've used them since my time in college to make money.
Several leading sites that also have instant bonuses include:
Between these sites, you can easily get over $20 in instant bonuses with no requirements. And from there, you can earn more rewards by completing some surveys in your spare time.
Try out Branded Surveys, my favorite survey site!
7. MobileXpression
MobileXpression is a free Android and iOS app that pays you for your data. And it's a super easy-to-use app that gives you free gift cards every month.
To get started, just download MobileXpression and create an account. You then earn weekly credits as you have the app active and share data.
After your first week, you have enough credits for a free $5 Amazon gift card. And the gift cards keep rolling in from there.
MobileXpression anonymizes data too. The company collects info about the ads people see to improve the web, but it keeps your information private and secure.
Get started with MobileXpression or read our MobileXpression review!
8. Super.com
Want to earn up to $100 a day with an awesome money-making app? Then Super.com is for you.
This nifty app has so many ways to earn. For starters, it pays you to play all kinds of fun games. You can also make money by answering surveys, which is pretty handy if you need quick money.
Super has tons of other ways to earn too. There's exclusive coupons, cash-back deals, and travel discounts. You can also take out cash advances.
You get a few dozen earning options once you sign up with your phone number. To unlock dozens more, you have to upgrade to a Super+ membership for $15 a month. This might sound steep, but considering some Super members are earning around $100 a day, it's a small price to pay.
Get started with Super or read our post – is Super legit? – to learn more.
9. Stash
Are you ready to begin investing for income? And do you want to snag a nice $20 bonus while you're at it?
Then Stash is for you. This is a popular investing app that lets you earn passive income by investing in stocks, ETFs, and fractional shares without paying add-on commission fees.
Right now, Stash is giving new members a $20 bonus when they sign up and spend at least $5. And we love this app since it starts at only $3 per month.
If you’re tired of expensive broker fees and lackluster features, switching to Stash makes a world of sense…especially when it has its free cash bonus running!
10. Nielsen Panel
One more no deposit bank account bonus you can try if you live in the United States comes from Nielsen Panel.
This popular passive income app pays you $50 or more per year for sharing data about how you surf the web. It's also run by Nielsen, one of the largest market research companies that's been in business for decades.
All you have to do is download the Nielsen Mobile Panel on your phone and begin sharing your data. You then earn credits which are redeemable for cash and other merchandise.
You can also install the Nielsen Panel on your computer. But this route just pays you with sweepstake entries for cash giveaways, not guaranteed money.
Extra Reading – The Best $100 Sign Up Bonuses.
11. Banks & Credit Unions
Some of the highest-paying bonuses with no direct deposit requirement come from banks and credit unions.
Generally, you have to open a new account with these companies and then make one cash deposit to meet minimum balance requirements. The more you deposit, the more you generally earn.
Some of the top banks and companies with instant sign up bonuses with no deposit requirements include:
- Yotta: This bank account pays out up to $1 million per day in free prizes to members!
- Axos: Get up to $250 as a welcome bonus.
- Citi: Earn up to $2,000 as a new customer with a large enough cash deposit.
- Discover: Earn up to $200 as a welcome bonus.
- Wells Fargo: Enjoy a $300 bonus by meeting deposit requirements.
- Capital One: Get up to $1,000 as a new customer.
- Alliant: Get a $100 sign up bonus.
This is just scratching the surface. Banks like Huntington Bank, Fulton Bank, TD Bank, and hundreds of regional and nationwide banks and credit unions all have bonuses. So, do a search in your area to see what promotions are going on.
Again, it takes moving some money around to complete these types of sign up bonuses. But if you have some idle cash, this is one of the most lucrative categories of instant sign up bonuses out there.
Note that you can also explore various credit card bonuses that pay you free money for signing up. Companies like Amex, Bank of America, TD, and others pretty much always have some type of sign up bonus for new customers.
The Best Money Earning Apps Without Investment.
12. Rakuten
Rakuten is a leading shopping extension that pays you to shop at thousands of partners. It's completely free to use, and I've been earning cash back with it for years since my time in college.
I like using Rakuten since it works with thousands of stores, including popular retailers like Best Buy, Macy's, Nike, and Walmart. Plus, Rakuten also has a $30 sign up bonus. All you have to do is sign up and spend at least $30 on a qualifying shopping offer to earn.
This is a spending requirement, but not a direct deposit requirement. And Rakuten pays you with free PayPal cash or check every quarter.
Get $30 for free with Rakuten!
13. Ibotta
If you do most of the shopping for your household, another easy no bank deposit sign up bonus you can use comes from the Ibotta app.
Ibotta is a leading shopping app that pays you for buying groceries and everyday essentials and then uploading photos of your receipts to the app.
I've been using Ibotta for years, and the app is similar to apps like Fetch and Receipt Hog, although you find higher-paying deals and way more of them with Ibotta.
Cash back you earn is redeemable for PayPal cash and dozens of gift cards once you earn at least $20. And right now, Ibotta has a $10 sign up bonus when you sign up and spend at least $30 on an online shopping offer. But the app has no deposit bonuses ranging from $5 to $20 all the time.
Apps like Ibotta won't make you a millionaire. But in my opinion, these types of reward apps are a nice way to get free cash for your regular shopping.
How To Make Money On Autopilot.
14. Cash App
Cash App is one of the most popular payment processing apps alongside competitors like Venmo and PayPal. But did you know it also has an instant sign up bonus with no deposit bank account requirement?
That's right: you can get free Cash App money if you leverage the app's referral bonus program.
All you have to do is sign up for Cash App and invite your friends to join as well. If they enter your Cash App code and spend $5 within 14 days, you also get a fast $5 for your efforts.
This sign up bonus isn't going to make you rich by any means. But if you're already using Cash App, you might as well get free money by sharing the app with some friends.
15. Acorns
Acorns is a leading investing app that helps people build good habits and invest on autopilot.
With Acorns, you can round-up the spare change from your daily purchases and invest that money into portfolios of ETFs and bonds that match your investing goals.
For example, if you spend $15.45 on dinner, Acorns can round-up that purchase to $16 and invest the additional money automatically for you.
Additionally, Acorns often has a $5 or $10 sign up bonus for new members. And if that's not ongoing, you can usually get a $5 bonus by inviting your friends to join Acorns.
Learn more about investing with Acorns!
16. Stock Broker Bonuses
Like banks and credit cards, another way to get no deposit sign up bonuses is to open accounts with different stock brokers.
The investing world is competitive. So, plenty of brokers are willing to pay sign up bonuses if you give them a try. Some of the leading broker bonuses you can consider include:
- SoFi: Get up to $100 or more for trying SoFi's different products.
- Robinhood: Get free stock for opening a new account.
- Webull: Get 6 free shares for opening an account and investing at least $100.
- Moomoo: Score up to 15 free stocks as a new customer.
Again, you generally have to connect your bank account and potentially make a certain investment to get these bonuses. But you don't have to set up direct deposit or recurring investments.
Tips For Getting These Bonuses
Now that you know some of the best instant sign up bonuses with no deposit requirements, here are some tips that I find helpful to help you get paid:
- Check The Fine Print: Always check terms and conditions of sign up bonuses and make sure you avoid anything that voids getting paid.
- Follow Steps Carefully: A lot of bonuses require following several steps, like inviting friends to join or making certain one-time deposits. Make sure you follow each step carefully to earn the bonus!
- Try Several Bonuses: Stacking several promotions is a nice way to get a lot of cash in a short amount of time. I even have friends who move money around to new banks or brokers all the time to keep getting bonuses.
Extra Reading – The Best Instant $50 Sign Up Bonuses.
Final Thoughts
I hope this guide helps you score some quick cash without much effort. Personally, I love this type of bonus-churning side hustle. After all, companies should pay you if they want your business!
Just remember to follow steps carefully and to read the fine print. As long as you do, there's no reason why you can't enjoy some free money while trying out new products and services.
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