Top 20 best refer and earn apps | in 2022

Top 20 refer and earn apps, Paytm, google pay, phonpe, banksathi, Jiffy, Dhani app, Rocket, singh, Marketwolf, Gromo, Amazon,Groww, coinswitch, Meesho, Zabpay, Zupee, Cockfight, India gold. must try these apps.

Hello friends how are you? I hope you are very well and healthy. Today I tell you the 20 best refer and earn apps. In this app I use and I earned the most money, now you use this app and I hope you earn the most money. Thanks for coming to our website and joining our telegram Chanel. These 20 refer and earn apps are…

1. Paytm

My first refer and earn app is Paytm. I know you see this app, This is an upi money transfer application. This app just refers to your friends and gets a flat ₹100 per refer. Now first I tell you how to account create and refer your friends and earn money.

Signup process:-

• Step 1. First, click to app install button and you redirect to the google play store and install this app or just install this app for the google play store.

• Step 2. Next open this app and next first enter your real name and password, and next click on the OTP button.
• Step 3. On the next page enters your mobile number OTP and submit. Now your signup prosecc is complete.

Bank adds and money transfer;-

1. First, open your Paytm app,
2. Next tap to bank add option
3. Next, choose your bank and verify OTP, and next click on to add button.
4. Now your bank has successfully added your Paytm app.
5. Now tap to money transfer option and enter any upi id and transfer money from bank to bank.

Refer and earn:-

This app’s main concept is refer and earn, you refer your friends to this app and when they signup for your via refer link and successfully add bank and first-time money transfer any upi id then you get a flat ₹100. This app minimum money transfer of ₹100.

FIRST OPEN THIS APP >>> NEXT SCROLL THIS APP IN DOWN >>> NOW YOU SEE REFER AND EARN OPTION >>> NOW TAP THIS OPTION AND NEXT YOU SEE REFER AND EARN PAGE >>> NOW COPY YOUR REFER LINK AND SHARE YOUR FRIENDS >>> EARN MONEY.

2. PhonPe

My second refer and earn application is phonpe. This app most popular app and this app is best for another upi app. This app is the main facility for referring and earning. This app just refers to your friends and when installing this app to your via referral link and signup this app, and first-time money transfer this app then you get a flat ₹200 gift voucher. This gift voucher you porches gold and this gold seel and money received to your bank. Next, I tell you how to signup for this app and refer your friends.

signup process:-

• Step 1. First, install this app to my referral link or search on the google play store.

Install app

• Step 2. Next, open this app and you see the signup page,
• Step 3. Next, enter your phone number and tap to next button
• Step 4. Next, enter your phone number OTP and click to submit button. Now your signup process is complete.

Bank add and money transfer:-

1. First, open this app and you see the app home page
2. Next, you tap to my account option and next click on the bank add option.
3. Next, choose your bank and verify your OTP, now your bank has successfully added.
4. Now money transfers any friends and starts your journey online money transfer from bank to bank.

Refer and earn:-

This app’s main facilities are referred and earn, You get a flat ₹200 gift voucher per to refer.

FIRST OPEN THIS APP > NEXT YOU SEE APP HOME PAGE REFER AND EARN OPTION > NOW TAP THIS OPTION > NOW SHARE YOUR REFER YOUR LINK TO ANY PEOPLE’S > EARN MOST MONEY.

3. Banksathi

My 3rd best refer and earn app is banksathi. Banksathi app is a lifetime commission app. This app just refers to your friends and gets up to ₹1000 per month. I recommend to you must try this app and earn money. Let’s see how to signup for this app and refer and earn money?

Signup process:-

• Step 1. The first tap on the app install button and you redirect to the google play store and install this app.

Install app

• Step 2. Next, open this app, and click to skip and skip.
• Step 3. Next page enter your mobile number and next page enter your phone number otp and click to submit button. Now your signup process is complete.

KYC complete:-

Now I tell you how to complete KYC on this app,

1. First, complete your signup process, and next page you enter your Aadhar card number and fill in the captcha next tap to verify option.
2. Next page enter your Aadhar OTP and tap to submit button. On the next page simply enters any referral code ( must enter 74336823  ) and tap on the next option.
3. Next page enter your pan card number and date of birth and click on to save and continue option.
4. On the next page verify your bank details, first enter your bank name, account number, and ifsc code, and at last must enter your Paytm and tap submit button.

Now your bank details are successfully added and your KYC is completed.

Refer and earn:-

This app just refers to your friends and you get a 10% commission for the lifetimes your friends’ money earning. Now I tell you how to refer this app to your friends, Let’s see…

FIRST OPEN THIS APP > NEXT TAP TO REFERRAL OPTION > NOW YOU SEE YOUR REFERRAL CODE >> NOW COPY YOUR REFERRAL CODE AND SHARE YOUR FRIENDS YOUR REFER LINK AND EARN MONEY.

4. Gromo

Gromo app same as banksthis app. This app just refers to and gets a 5% commission for your referral to earn money. Now I tell you how to earn money with this app.

Signup process:-

• Step 1. First, click to app install button and install this app.

Install app

• Step 2. Next, open this app and first enter your phone number, and tap to next button. Next enter the phone’s number OTP and click to submit button.
• Step 3. Next enter your name, email, city, work expenses, occupation, and at last, referral code. Must enter referral code, my refer code KU174496.

Refer apps for gromo applications:-

All apps:-

App name	Per refer
1. Kotak 811 saving account	₹200
2. axis saving account	₹475
3. Paytm money Demat account	₹300
4. Groww Demat account	₹500
5. Upstox	₹900
6. Jupitar money account	₹300

5. Google pay

Google pay is an upi money transfer app but this app refers to earning a flat ₹201 per refer. Let’s see how to signup for this app and refer to earn?

Signup process:-

• Step 1. First, install this app and open

Install app

• Step 2. next enter your phone number and next fill up your mobile OTP and click to submit button.
• Step 3. Next, enter your e-mail id and tap to continue button,
• Step 4. Next set up your app screen lock and tap to save button.

Now you have successfully signup this app and next add your bank account and transfer money to any friends.

Refer and earn:-

This app’s main facilities are referred and earn, you earn per refer ₹200 instant and your friends get a flat ₹21. Let’s see how to refer to this app?

• First, open your google pay app and next tap on the my account option, and next click on to refer code ( must enter any referral code ) option.
• Next, you see the app home page, at last, refer and earn option,
• now click this option and you see refer and earn page
• Now share your referral link and referral code and earn money.

You get your referral bonus when your referrals first time add bank this app and first-time transfer money any upi id then you get flat ₹201 in your bank account.

6. Marketwolf

Marketwolf app is a live trading application. This app’s main facility refers and earning. This app just refers to your friends and gets instant ₹200 and per month ₹50. Now I tell you how to account create and refer to this app and earn money. Let’s see…

Account create:-

This app account creates a very easy, now I tell you to step by step…

• Step 1. The first tap to the app install button and you redirect to the google play store, now install this app.

Install app

• Step 2. Next, open this app, and next click on them to open the trading account option. Next, enter your phone number and tap to next button.
• Step 3. Next set your 4-digit pin, and next page enter your personal details
• Step 4. First, enter your first and last name and enter your e-mail id on the next page put in your e-mail otp, and tap to next button.
• Step 5. Next page enter your pan card number and click on the next option. Next page fill up your father and mother’s names and tap to next button. Next fill up the page, your gender, marital status, annual income, occupation, and trading experiment, and click the next option. Next, enter your permanent address and pin code and submit now.
• Step 6.  Next, fill up your bank details, and click the next option. nest you see the brokerage information, you just click the next option.
• Step 7. At last upload, your selfie, next upload your pan card and next upload your Aadhar card, and at last upload your IPV video and click the next option.
• Step 8. At last, e-sing for this app and write your signature, and click proceed option. now wait 2 business days and successfully open your account on this app.

Refer and earn:-

1. First, open this app when your app has successful account creation. Next, you see the app home page and you click three line bar and you see the second option refer and earn.
2. now you just click refer and earn option, and you see refer page .now you click the share button and share your refer link WhatsApp app and earn money.

7. Amazon

Amazon app is an upi money transfer and shopping app. Indian most popular app is the amazon application. This app is a new concept refer and earn. This app just refers to your app and you get ₹75 instant. Now I tell you how to signup for this app and refer to friends and earn money.

Signup process:-

• Step 1. First, tap to app install button and install this app or you install this app for the google play store.

Install app

• Step 2. Next, you open this app. Now you see the sign-in and new account creation option, now tap to a new account creation option.
• Step 3. Next, you see the register page, now first enter your full name, mobile number, and e-mail, set your password, and next tap to verify button.
• Step 4.  Next page enter your mobile OTP and click on to submit option. Now your Amazon account is successfully created. Next, I tell you how to refer to this app and earn money.

Refer and earn:-

This app just refers to your friends and gets flat ₹75. This money you use for any mobile recharge, or bill payment. Let’s see how to refer this app to your friends…

1. First, open your amazon application
2. Next tap explore option and you see refer page and refer code
3. Now share your referral link and refer code to your friends, Now earn money for this app.

8. Rocket singh

This app same as the gromo and banksathi app. This app refers to your friends and gets lifetime 10% earning commissions. This app is a new refer and earn offer start, you get to refer ₹5 instant. This money you instant withdraw to your bank. Now I tell you this app signup process and refer and earn.

Signup process:-

• Step 1.  First, tap to install button and install this app. Next, open this app and click to signup option.

Install app

• Step 2. Now first enter your phone number and tap on the next option. Next enter mobile OTP and click to submit button.
• Step 3. On the next page first enters your email id, pin code, gender, and referral code RS2176559 (must enter referral code ) and tap to proceed button.

Now you have successfully signup this app. Next, I tell you the app how to refer and earn money.

Refer and earn:-

FIRST OPEN THIS APP >>> NEXT YOU SEE APP HOME PAGE >>> NOW TAP TO MY NETWORK >>> NOW YOU SEE REFER AND EARN PAGE >>> NOW SHARE YOUR YOUR REFER LINK AND EARN MONEY.

9. Dhani app

Dhani app is a credit card app and this app new lunch shopping program. This app’s main fatality refers to earning. This app just refers to your friends and when he activates any card then you get a flat ₹1000. Now see how to signup for this app?

Signup process:-

• Step 1. First, click on the app install button and install this app, and open it.

Install app

• Step 2.  Next, you see the signup page, first enter your phone number and tap to next button.
• Step 3. Next set your 4-digit pin and tap on the next option. Next page first enter your name and select your document. ( choose your pan card )
• Step 4. Next, enter your pan card number and tap to next. At last, enter your mobile number OTP click to submit button.

Now your signup process complete this app. Now I tell you ” this app refers and earns “.

Refer and earn:-

1. First, open your Dhani app >>>Next, you see the app home page >>> Next tap to service option >>> Now tap to refer and option >>>Now you see Dhani free cashback card refer your friends.

10. Jiffy

Jiffy is a Demat account app, this app signup, and first-time trade complete you get up to ₹500, and this app just refers to your friends, when the account to create via referral link and complete the first trade then you get ₹1000 up to.

Account open process:-

• Step 1. The first tap to install button and you redirect to the play store and install this app. Next, open this app and you see the home page of this app, you just click create account option.

Install app

• Step 2. Next enter your name, mobile number, city, and e-mail id and tap to submit now. Next, verify your mobile OTP and click to verify now.
• Step 3. Next page first enter your pan card number and date of birth and tap on the next option. Next, fill up your mobile and e-mail OTP and tap to verify now. Next, fill up your bank details, first enter your ifsc code and next enter your bank account number and re-enter your account number and click on the next option.
• Step 4. Next, capture your selfie and upload it now. Next upload your signature image, next select your plan, and click to submit now. Next page you tap to e-sign via Aadhaar, on the next page you tap to sign now and you redirect to the next page.
• Step 5. At last, enter your Aadhaar number and click to sent otp now, next Aadhaar mobile number link is an OTP received, you just put this OTP and click to verify option.
• Now you successfully account create this app and wait one business day, you receive your e-mail with this app client id and password. This client id and password were used to sign in to this app.

Refer and earn:-

FIRST OPEN THIS APP >>> NEXT TAP TO THE ACCOUNT OPTION >>> NOW YOU SEE REFER AND EARN OPTION >>> TAP THIS OPTION AND YOU SEE REFER AND EARN PAGE >>> NOW SHARE YOUR REFER LINK AND EARN MONEY.

11. Angel one

Angel one app same as the jiffy application. This app refers to and earns ₹700 amazon vouchers and this voucher redeems your Amazon app. Now I tell you how to account create for this app and refer to earn.

Account create:-

• Step 1. The first click on the install button and you redirect to the angel one website. You first enter your full name and enter your mobile number, select your city and put on mobile OTP, and click on open an account.

Install app

• Step 2. Next enter your date of birth and pan card number, at last, enter your e-mail address. Next, fill in your bank account number and IFSC code and tap to search option. Next, enter your bank name and enter your bank branch, and tap to search option.
• Step 3. Next, you see the free account opening page. you just click proceed button. Next, your bank account deposit is ₹1, next you see personal details and you just click the first option and tap to share your KYC details.
• Step 4. Next, enter your Aadhaar card number and tap to next option. Next, enter your Aadhar mobile OTP and tap to continue, next simple tap to allow. Next page enter your personal details, first select your annual income, and occupation, enter your father and mother’s names,s and click to proceed.
• Step5.  Next page first upload your pan card image and upload your signature and upload your bank statement and tap to proceed. At last just e-sign this app, first enter your Aadheaar card number, and next fill in your Aadhaar OTP and click to verify now
• Done you successfully create an account with this app, now wait for three business days until you receive your app salient code and password for your e-mail address. Now I tell you how to refer to this app to your friends and earn money.

Refer and earn:-

1. First, open this app and you see the app home page.
2. Next, you tap to account option and you see refer and earn, you just click this option and you see refer page
3. Now you just click simple refer now and you copy you refer link and refer code and send it to your friends and earn money.
4. Your friend when signup for your referral link to this app gets ₹250 and your friend when his first trade is completed, gets ₹500. now refer your friend and earn a lot’s money.

12. Upstox

I know you see this app and anybody uses this app. Now I tell this app to refer and earn offers. This app just refers to your friends and you get a flat ₹1200 per refer. Let’s see…

Free account open:-

• Step 1. First, tap to install button and install this app.

Install app

• Step 2. Next, open this app and first enter your mobile number and OTP fill up and tap to sign up button. Next, generate your six-digit pin and continue.
• Step 3. Next page enter your email address and next step fill up the email OTP and tap to continue. Next, enter your pan card number and date of birth and click next. Next, fill up your personal detail and continue, now you see the congratulations page.
• Step 4.  Next digital signature and tap to continue. Next, you see the Digi locker page, you simply tap connect now. Next permission some terms and conditions. Next, a selfie-and tap to continue option.
• Step 5. At last, enter your bank details and tap to continue. Next e sign option, you enter your Aadhar card number and OTP fills up. now you completely successfully account create this app and wait for three business days and complete your account.

Refer and earn:-

FIRST OPEN THIS APP >>> FIRST TAP TO APP HOME PAGE THREE LINE >>> NOW YOU SEE REFER AND EARN OPTION >>> NOW YOU SEE REFER AND EARN PAGE >>> NOW COPY YOUR REFER LINK AND SHARE YOUR FRIENDS >>> EARN MONEY.

13. Federal bank

Now I tell you a free bank account application. This app’s name is a federal bank. This bank just opens and adds ₹3000 and you get a money tree. This money tree opens and gets ₹500 up to. This app’s main facility refers and earning. This app just refers your friends and when he opens this bank to your referral link and adds ₹3000. Then you get ₹500 up to. With this app, you refer up to 40 friends. Now open this bank and refer and earn money.

Open account:-

• Step 1. first tap on the install button or search on play store fi bank. you just install this app and open it

Install app

• Step 2. Next just open this app and first you see signup and sign in. you click on the signup button and you redirect to on next page,
• Step 3. next you enter your phone number but this mobile number successfully links your Aadhaar card. 
• Step 4. Next, your mobile number receives six digits of OTP and automatically applies this to your fi application. Next page you see enter email and enter a legal name, first enter your email and enter your full name. Make sure this name matches the one appearing on your pan/Aadhaar card and tap on confirm.
• Step 5. next, you see refer code option, you must enter refer code and next.Refer Code- KZPVE6B6RM 
• Step 6.  Next page you just click on the Next button. next page you see the first option enter your pan and 2nd option enter your date of birth. you just enter your pan number and date of birth and tap- on the Next button.
• Step 7. Next page you see use Aadhaar details to open an account, you just click next. next, you enter your Aadhaar card number, 
• Step 8. The next page enters OTP and the next option and just click and record a video and tell a four-digit about your phone screen and all complete.
• Step 9. Next, you see your address right and wrong, this address comes to your fi debit card, and click on next. next swipe to open an account, and your federal bank successful account creation.

Now you have successfully accounted for this bank account and next, I tell you how to refer to this app…

Refer and earn:-

FIRST OPEN THIS APP >>> NEXT TAP TO REFER AND EARN OPTION >>> NOW YOU SEE REFER AND EARN PAGE >>>NOW SHARE YOUR REFER LINK AND REFFARAL CODE >>> EARN MONEY.

14. Groow

Groow app is a trading application. This app install and signup and get ₹100 flat. This app other facilities refer and earn, This app refers your friends, and when they signup to your referral link for and first-time add money and trade complete then you get an extra ₹100 per refer.

Signup process:-

• Step 1. first click on the app install button and you automatically redirect to the play store, then you just install this app and open

Install app

• Step 2. Next, you log in to your email id, next page enter your mobile number, and tap to send OTP, next page enter your phone number otp and tap to next button.
• Step 3. The next page enters the pan card number and date of birth and clicks on the next option.

Now you have successfully signup this app and next must complete your KYC for this app.

Refer and earn:-

FIRST COMPLETE YOUR KYC >>> NEXT TAP TO ACCOUNT OPTION >>> NEXT CLICK TO REFER AND EARN OPTION >>> NW YOU SEE REFER AND EARN PAGE >>> NOW SHARE YOUR REFER LINK AND EARN MONEY.

15. coinswitch

coinswitch app is a bitcoin application, this app signup ₹50 and per refer ₹150. Now I tell you how to signup for this app and refer to earn money.

Signup process:-

• Step 1. First, you click to install button. Next, you redirect to the play store and just you install this app and open it.

Install app

• Step  2. Next, you open this app first you see the mobile number enter the option, enter your mobile number, and click on the Next button.
• Step 3. Next, your mobile number successfully received the 4th digit OTP, In this OTP you put on the OTP option and click on the Next button. Next, you see please set a pin, you just set up your 4th digit pin and re-enter your pin conform.

Now you successfully account crate coin switch application.

Refer and earn:-

• First, open this app,
• Now you see the gift option.
• Next, you tap the gift option and you see the invite on WhatsApp.
• Now you refer to your WhatsApp friend and earns money.

16. Meesho

Meesho app I know you see, this app is an online shopping application. This app first time you order any product very lowest price. This app’s main facility refer and earn, just refer your friends and you get a 30% commission on friends’ first order up to ₹350.

Signup process:-

• Step 1. First, click to install button and you redirect to the play store and install this app or search on the play store meesho app and install this app.

Install app

• Step 2. Next, open this app, and first select your gender. Now you see the app home page and next you click the account option.
• Step 3. Next tap to sign-up button, Now you see the next page. Now enter your mobile number and click to send otp now. Next automatically verifies OTP and completes your signup process in this app.

Now you successfully signup for this app and buy the lowest product. Now I tell you “how to refer and earn with this app”. Let’s see…

Refer and earn:-

1.  First, open this app and you see the app home page. Next, you tap to account option.
2. Next, you see the most option on this page and you simply tap to refer and earn the option
3.  Next, you see this page, you simply read this page, and the terms & conditions. Now you simply click refer and earn button and share your referral link with your friends and earn money.

17. Zabpay

Zabpay is a crypto app, This app account creates and gets ₹100 and per to refer ₹100. Now I tell you how to account create this app and refer and earn money.

Account create:-

First, tap the app install button. Next, you redirect to the google play store and install this app. Next, open this app and now you see the app home page. Next, tap my account option and click create an account now. Now you see the register page, you first enter your mobile number, next enter your first and last name, e-mail address, referral code RFRE222E9CD ( must enter ), and set up 4 digit pin and tick terms and conditions, and click to I am not a robot and tap to continue button. On the next page simply enters e-mail OTP and mobile number OTP and tap to continue.

Install app

Now you successfully create an account zebpay app.

Refer and earn:-

1. First, open this app
2. Next tap my account option
3. Next, you see refer and earn option, now tap this option.
4. Now you see refer page and your refer code
5. Now share your referral link and referral code and earn money.

18. Zupee

I know you see zupee app and this app you to gameplay online and win real money. This app just you signup and get ₹15 for the signup bonus. This bonus you 100% use the ludo game.

Signup process:-

• Step 1. First click to app install button

Install app

• Step 2. Next, select your language and tap to continue button. Next, you see the signup page, Next enter your mobile number and click to get the team & continue button.

• Step 3.  The next page automatically verifies OTP and you see the app home page. Now your signup process complete this app.

Refer and earn:-

FIRST OPEN THIS APP >>> NEXT YOU SEE APP HOME PAGE AND REFER OPTION >>> CLICK THIS OPTION >>> NOW YOU SEE REFER AND EARN PAGE >>> NOW COPY YOUR REFERRAL CODE AND SHARE SHARE YOUR LINK >>> E ARN MONEY.

19. India gold

India gold app is a gold parched application. This app signup and ger ₹3 and per refer ₹4. This gold instant sells and sent money to your bank. This app minimum gold sells ₹5. Now I tell you how to signup refer to earn money. Let’s see…

Signup process:-

• Step 1. The first tap on the app install button and you redirect to the google play store and install this app.

Install app

• Step 2. Next, open this app and select your language, and tap to next button. Next, enter your full name and phone number and click to create my account button.
• Step 3. Next, automatically verify OTP, Next, you see refer code option
• Step 4. Now enter my referral code ( 9BT51U )and click to submit button now you successfully signup for this app and you get free ₹3 gold.

Refer and earn:-

FIRST OPEN THIS APP >>> NOW YOU SEE APP HOME PAGE >>> NEXT TAP TO THREE LINE >>> NOW YOU SEE REFER AND EARN OPTION >>> TAP THIS OPTION >>> NOW COPY YOUR REFER CODE AND SHARE YOUR FRIENDS TO ANY METHOD >>> AND EARN MONEY.

20. Cockfight

 A cockfight is a new gaming app, In this app, you just sign up and you get ₹100 and refer your friends this app you get up to ₹50. This app’s name is cockfight, cockfight game is a traditional sport in the Philippines.

Register app:-

1. First, click this install button and install this app, now open this app.

Install app

1. Next must enter my refer code fb4 register time.
2. Use my referral code and you get a ₹100 signup bonus.
3. 100% useable this bonus cash
4. 100% withdrawal wining money to your bank.

Refer and earn:-

The cockfight app is the best app for online money earning. This app I use for a very long time and I earn ₹10000. Now you earn money from this app, just refer your friends and earn money. When your friend’s account creates this app to your referral link, you get per friend up to ₹50. Now share your referral link and earn money.

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