15 Best Instant Sign Up Bonus No Deposit Bank Account Offers for 2025
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One of the easiest ways to earn quick cash is by signing up for apps and websites that offer welcome bonuses. However, most instant sign up bonus apps require you to make a qualifying direct deposit to earn the bonus.
If you want to make money fast but don’t want to make an upfront payment, I’ll share the 15 best instant sign bonus no deposit account apps and sites. With these offers, you’ll earn free money without setting up any direct deposit.
I’ll also share some tips for getting these instant sign up bonus offers.
Want to make some bucks fast? Try out:
- YouGov – Complete surveys and earn free PayPal money!
- EveryoneSez – Join this reward site and earn an instant $5 welcome bonus!
The Best Instant Sign Up Bonus No Deposit Bank Account Offers
Several banks, investing apps, get-paid-to sites, and reward apps offer instant welcome bonuses without requiring deposit requirements.
While most of these offers don’t require a direct deposit, you may still have to meet some specific requirements. This can include meeting a spending requirement or completing microtasks.
If you follow all the instructions, you’ll easily snag these instant sign up bonus no deposit account offers.
1. Drop
Drop is a reward app that lets you earn points for making everyday purchases at its partner stores.
All you have to do is download the Drop app and earn points for shopping at brands you love.
When you sign up, confirm your email address, and link your debit or credit card, you earn a $5 welcome bonus.
In addition, you can earn up to 500 points for every friend you invite to join Drop. Your bonus will appear in your account once the referral has earned their first 1,000 points. Note that you can only invite up to 10 people.
You can redeem your points once you accumulate at least $25. The available reward options include:
- Crypto (Bitcoin or Ethereum)
- Collectibles
- Gift cards
- Contests
- Donations
2. Rakuten
If you want to get paid to shop at your favorite stores, Rakuten is one of the best instant sign up bonus no deposit account offers to try.
Rakuten is the leading shopping chrome extension with over 3,500 retail partners, including:
- Walmart
- Nike
- Adidas
- Macy’s
- Sam’s Club
- Lowes
- Kohl’s
The extension is completely free to use. All you have to do is sign up and start shopping on the app, website, or extension.
When you join Rakuten, you’ll earn a $10 sign up bonus when you spend at least $25 within 90 days.
Rakuten also has a referral program that lets you earn $30 for every friend you invite and spend at least $30 on qualifying purchases. Both of you will earn $30, so everyone wins.
You’ll receive your referral bonus 60 days after your referral’s qualifying purchase.
While Rakuten has a spending requirement, it’s one of the easiest ways to earn free PayPal cash. It pays every quarter via PayPal or check.
3. Acorns
Another instant sign up bonus without deposit offer comes from Acorns, a mobile app that helps you save and invest.
With Acorns, you invest while you bank, round up your spare change on everyday purchases, and earn bonus investments. If you want to let your money work for you, Acorns is the best investing app to consider.
For example, if you spend $5.25 at Starbucks, Acorns will round up your purchase to $6 and automatically invest $0.75 in diversified portfolios.
Currently, Acorns offers new members a $5 or $10 sign up bonus. It also has a referral program where you can earn $5 for every friend you invite.
There’s no limit on the number of friends you can invite. And the best part is that both of you earn the $5 bonus investment.
Acorns also has other ways to earn, like using its cash back extension to shop at thousands of its partners to earn money back.
4. Fundrise
Fundrise is the top real estate crowdfunding platform that lets you get started with as little as $10.
The company invests in rental properties like multi-family homes, apartments, and duplexes. You’ll earn quarterly dividends from the rental income the properties generate.
Fundrise offers a $10 sign up bonus to new members. All you need to do is sign up and claim your no-deposit bonus.
And if you want to make money on autopilot, you can reinvest your cash bonus or add more funds to grow your portfolio.
The good news is that everything is hands-off, so you don’t have to worry about picking the right investments. You’ll only need to pay a 1% annual management fee, which is relatively low compared to its annual historical returns.
5. Ibotta
Ibotta is another easy instant sign up bonus no deposit offer to test out, especially if you want to save money.
It’s a popular cashback app like Fetch Rewards and ReceiptPal that lets you earn money back for your daily purchases. You can earn up to 30% back at thousands of major retailers like:
- Walmart
- Kohl’s
- Chewy
- Best Buy
- Sam’s Club
- Home Depot
- Hotels.com
You can redeem your cash back for PayPal cash once you accumulate $20 or more.
Currently, Ibotta offers a $10 welcome bonus when you create an account and spend not less than $30 on qualifying shopping offers. You can also take advantage of the Ibotta referral bonus by inviting friends to use the app.
Sites like Ibotta won’t save you thousands of dollars, but it’s an excellent reward app to earn cash back for everyday shopping.
6. Cash App
If you’ve used payment processing apps like PayPal or Venmo, you’re probably familiar with Cash App.
The financial service platform offers an instant sign up bonus with no deposit requirement.
Cash App currently offers a $5 sign up bonus to new users. And if you want to earn even more, you can leverage the app’s referral program.
For every friend you invite and send at least $5 within 14 days of account opening, you’ll make $5 fast.
While the referral bonus won’t make you rich, it’s one of the Cash App money hacks I’ve always used to get free money.
Extra Reading: $750 Cash App Reward
7. Upgrade
Upgrade has the most lucrative instant sign up bonuses with no deposit requirement.
With Upgrade, you’ll earn a $200 bonus when you open a new rewards checking account and make three or more transactions with your debit card within 60 days. This isn’t a deposit, but purchases you could make anyway with your debit card.
The Upgrade card comes with several other benefits, such as:
- Zero annual fees
- Unlimited 1.5% cash back
- $500 to $25,000 credit lines
If you’re shopping for a rewards checking account, you can make $200 fast when you sign up for Upgrade.
Plus, you’ll enjoy many other benefits of the card, like using it anywhere Visa is accepted.
Get a $200 bonus from Upgrade now!
8. MyPoints
MyPoints is another instant sign-up bonus with a no-deposit bank account offer to consider, especially if you frequently shop online.
The rewards platform offers new members a $10 sign up bonus when they join and spend at least $20 on qualifying shopping offers. You can cash out your reward as a $10 Amazon gift card or a Visa gift card.
I like MyPoints because it offers several other ways to earn, including:
- Answering surveys
- Reading emails
- Searching the web
- Playing mobile games
- Referring friends
You can also earn points you can redeem for your preferred gift card by finding deals at thousands of popular stores, including Walmart, Target, Sam’s Club, and Uber Eats.
9. InboxDollars
If you’re still looking for an instant sign up bonus with no deposit bank account offers, try InboxDollars.
InboxDollars pays new members a $5 sign up bonus. And you can cash out via PayPal or gift cards once you reach $15.
I’ve always used InboxDollars to earn money online in my free time. Here are some of the ways to make money with the site:
- Completing surveys
- Shopping online
- Surfing the web
- Playing games
- Watching ads
- Reading emails
- Scanning barcodes
While you won’t make much with sites like InboxDollars, they’re an excellent way to earn free PayPal money.
10. Swagbucks
Like InboxDollars, Swagbucks is a popular GPT site that allows you to earn PayPal money and gift cards by completing various micro tasks.
There are several ways to earn with Swagbucks, including:
- Completing surveys
- Downloading apps
- Shopping online
- Playing games for money
- Surfing the web
- Referring friends
Swagbucks offers a $5 sign up bonus. You can also get an additional $10 bonus when you make a purchase of at least $25 from one of their partners.
If you want to earn more than the sign up bonus, Swagbucks is a perfect digital side hustle to try out in your spare time.
11. Nielsen Panel
Another instant sign up bonus with no deposit bank account offer comes from Nielsen Panel.
This passive income app pays you $60 per year for sharing your data. All you have to do is download the Nielsen Panel on your phone, computer, or tablet and start sharing your data.
You can redeem your $60 reward for gift cards to popular retailers like Amazon, Walmart, and Target. You also have the option to cash out via PayPal.
The Nielsen software on your computer allows you to enter $10,000 monthly sweepstakes.
If you want to get paid to share your data, try other apps like MobileXpression and Panel App to earn more.
12. Branded Surveys
This paid survey site allows you to earn PayPal cash and gift cards to popular retailers for completing surveys.
When you sign up for Branded Surveys for the first time, you’ll earn a $1 welcome bonus. The paid survey site is only available in the U.S., Canada, and the UK.
While the bonus is relatively low compared to other instant sign up bonuses no deposit account offers, it’s a perfect way to make money online for beginners. Plus, you can cash out your earnings when you reach $5.
Besides, Branded Surveys has a program that lets you earn a bonus if you complete a certain number of surveys each month.
13. BeFrugal
If you frequently shop online, you may want to consider BeFrugal to earn cash back on online purchases.
With BeFrugal, you earn up to 40% cash back at over 5,000 stores, including:
- Walmart
- Sephora
- Target
- Macy’s
- Home Depot
- Walgreens
- Best Buy
BeFrugal offers $10 to new users and a generous $15 referral bonus. You must earn at least $10 in rebates to claim your sign up bonus.
What I like about BeFrugal is the availability of various payout options, including PayPal, check, direct deposit, Venmo, Zelle, or gift cards. The minimum withdrawal starts at just $1, depending on the payout option you choose.
14. Banks and Credit Unions
Some of the most lucrative instant sign up bonus offers with no deposit requirements come from banks and credit unions.
In most cases, you must open a new account with these financial institutions and meet the minimum balance requirements. This means you’ll have to make one deposit, not setting a qualifying direct deposit.
Some of the top banks and credit unions that offer lucrative sign up bonus instant withdraw include:
- Upgrade: Earn a $200 instant welcome bonus when you open a rewards checking account.
- Citi: Earn up to a $2000 cash bonus when you open an eligible checking account.
- Discover: Get up to $200 for opening a new online savings account.
- Axos: Earn up to $200 when you open a new business interest checking account.
- Chase: Earn $200 when you open a new Chase Total Checking account.
Remember that you’ll need to deposit some money to complete these sign up bonuses. So, if you have some idle cash, consider snagging these lucrative welcome offers.
The best part about these offers is that you can move your money out of your account once you receive the bonus.
15. Stock Broker Apps
One final way to get an instant sign up bonus no deposit bonuses is by opening new accounts with various stock trading apps.
Most stock brokers offer such bonuses as a way of incentivizing new customers to use their apps. And if you want to invest in stocks, you can snag such bonuses.
Here are popular stock broker bonuses to consider:
- Robinhood: Get $5 to $200 in free stocks when you open a new account.
- M1: Earn a $500 sign up bonus when you open a new investment account.
- Webull: Get 6-10 free fractional shares when you open an account and make an initial deposit of $100.
- Moomoo: Receive up to 15 free stocks and one extra share of Google or Tesla.
- Stash: Get free stocks when you sign up.
- SoFi: Get up to $510 for trying different SoFi offers
To qualify for most of these offers, you may be required to link your bank account and make a specific initial deposit. But this doesn’t mean setting up a direct deposit.
Extra Reading: Invest $100 and Make $1000 Daily
Tips for Receiving Instant Sign up Bonus No Deposit Bank Account Offers
If you want to maximize your earning potential with instant sign up bonus no deposit offers, these tips will help you:
- Check eligibility before signing up: You may not qualify for all instant sign up bonuses, so it’s a good idea to confirm your eligibility before signing up.
- Read the terms & conditions: Read the fine print of the terms and conditions so you don’t miss out on any bonuses. For example, you may be required to complete specific steps to qualify for the bonus.
- Stack multiple bonuses: You can try out several offers to earn even more. The good thing with these offers is that you don’t need to deposit any amount, so you can make lots of cash without losing anything.
Extra Reading: The Best $50 Sign Up Bonus Offers
Frequently Asked Questions
What Bank Gives You Money Instantly for Signing Up?
Upgrade is one of the best fin-tech companies that’ll pay you $200 instantly for opening a new rewards checking account.
The checking account has other perks like no annual fee and 1.5% cash back on purchases. You only need to make at least three debit card transactions to qualify for the bonus.
What Apps Will Pay You for Signing Up?
If you want to make quick money, these apps will pay you for signing up:
- Branded Surveys
- Acorns
- Fundrise
- Swagbucks
- MyPoints
- InboxDollars
What Can I Sign Up for To Get Free Money?
Several apps and sites offer bonuses for signing up. You can earn anywhere from a $5 sign up bonus to a $50 cash bonus.
These sites include:
Final Thoughts
Hopefully, the instant sign up bonus no deposit bank account offers in this guide will help you snag free money effortlessly.
You can stack several offers to earn even more. Just remember to read the fine print of the terms and conditions and follow all the instructions to qualify for the bonus.
While these bonuses won’t make you rich, they’re an excellent way to earn free money.
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