3 min

Acorns Referrals: How It Works

Nov 19, 2022
in a nutshell
  • For every friend you successfully invite to Acorns, you both earn a $5 referral bonus that gets invested in your Acorns Invest portfolio.
  • More chances to earn bigger bonus investments through our Limited-Time Promo Referral Bonuses.
  • Keeping your referral bonus invested in your Invest portfolio gives your money the potential to grow over time through the power of compounding.
Image of Earn bonus investments through the Acorns referral program. Here’s how it works and how to get started today.
in a nutshell
  • For every friend you successfully invite to Acorns, you both earn a $5 referral bonus that gets invested in your Acorns Invest portfolio.
  • More chances to earn bigger bonus investments through our Limited-Time Promo Referral Bonuses.
  • Keeping your referral bonus invested in your Invest portfolio gives your money the potential to grow over time through the power of compounding.

Earning referral bonuses with Acorns 

It’s often said that the best time to start investing was yesterday. The second best time to start is today. And while you’re probably familiar with how investing early and often can set you up for long-term success, now’s as good a time as any to spread the word. With Acorns, every person you invite who signs up for a new subscription and starts investing with an initial $5 investment means an additional bonus investment for you both. Not only is it a chance to earn a little extra on the side, it’s a nice way to encourage friends to start investing for their futures.   

Invite friends, get $5

For every friend you invite to Acorns, you can earn a $5 referral bonus that gets invested in your Acorns Invest portfolio. There’s no limit to how many friends you can invite, and best of all, your friends also get a $5 bonus investment, too! (Terms and conditions apply.)

How do I get my $5 referral bonus? 

  1. Open the Acorns app and tap the “Profile” icon in the top left 

  2. Go to the “Invite friends” screen in the Acorns app to get your unique referral link 

  3. Share your unique referral link with friends 

  4. Friends use your unique referral link to sign up for Acorns 

  5. Friends make their successful first investment ($5 or more) within 14 days of the promotional period

  6. After your referral is verified, you and your friend will both receive a $5 bonus investment 

Limited-time promo referral bonuses  

In addition to our “Invite Friends, Get $5” referral program, Acorns’s Limited Time Promo Referrals gives you a chance to earn even more bonus investments. It generally involves inviting a set number of friends within a set amount of days for a bigger referral bonus. You can find details on the “Invite friends” screen in the Acorns app. 

How do I earn Limited Time Promo referral bonuses? 

To earn your bonus, follow the steps below. More details on each individual offer are available in the referral program terms

  1. Open the Acorns app and tap the “Profile” icon in the top left

  2. Go to the “Invite friends” screen in the Acorns app to get your unique referral link 

  3. Share your unique referral link with friends within the promotional period 

  4. Friends use your unique referral link to sign up for Acorns within the promotional period

  5. Friends make their successful first investment of $5 or more within 14 days of the promotional period 

  6. Acorns will review the accounts of program participants for qualification and continued good standing 

  7. If you and your referrals qualify, bonuses are typically paid within 30 days of meeting the promotional criteria 

How can I get my friends excited about investing? 

There’s no one right way, but we’d recommend thinking back to what made you start investing. Was it to set aside money for retirement? Or perhaps to save up for your dream vacation? On top of that, it’s important to note that investing is a time-tested way for anyone to grow their wealth long-term. Your friends can start with just their spare change, and Acorns has tons of tools to make investing easy. 

Here are a few links to some articles that can help kickstart those conversations! 

How can I check on my referrals?

Thanks to your unique referral link, you can see how many referrals you have pending and completed right from the Acorns app. 

  1. Open the Acorns app and tap on the “Profile” icon in the top left

  2. Go to the “Invite friends” screen 

  3. Swipe up on “Your invite history” at the bottom

When will I receive my referral bonus? 

You will normally receive your bonus within 30 days of all promotional criteria being met. Check the terms of the unique offer you participated in for more information. 

Are there any other terms to keep in mind?  

Please review the referral program terms for more information on each unique offer. 

Participants in the Acorns referral program are subject to the referral program agreement. You must fully review and agree to this agreement before participating in the program. 

Sign up for Acorns to start referring friends and earning bonus investments!



Important Disclosure

Referral promotions are limited time offers.  Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Referral awards are made at the sole discretion of Acorns. All referrals must be made in accordance with the Acorns Referral Agreement.

Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time.  It does not ensure positive performance nor does it protect against loss.  Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.   

This material has been presented for informational and educational purposes only. The views expressed in the articles above are generalized and may not be appropriate for all investors. The information contained in this article should not be construed as, and may not be used in connection with, an offer to sell, or a solicitation of an offer to buy or hold, an interest in any security or investment product. There is no guarantee that past performance will recur or result in a positive outcome. Carefully consider your financial situation, including investment objective, time horizon, risk tolerance, and fees prior to making any investment decisions. No level of diversification or asset allocation can ensure profits or guarantee against losses. Article contributors are not affiliated with Acorns Advisers, LLC. and do not provide investment advice to Acorns’ clients. Acorns is not engaged in rendering tax, legal or accounting advice. Please consult a qualified professional for this type of service.

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