Top 5 High-Yield Savings Account Referral Bonuses Right Now

In 2025, keeping your money in a traditional checking account paying 0.01% interest is a financial crime. High-Yield Savings Accounts (HYSAs) are offering 4-5% APY (Annual Percentage Yield), plus lucrative referral bonuses.

Here are the top 5 HYSAs that reward you for joining and sharing.

1. SoFi Checking and Savings

• APY: Competitive (often 4.5%+)
• The Bonus: SoFi often offers $25 - $50 for every friend you refer who funds an account, plus a sign-up bonus for the new user (often up to $300 with direct deposit).
• Why we love it: It's an all-in-one finance app. The referral program is very consistent and pays out quickly.

2. Marcus by Goldman Sachs

• APY: Very competitive.
• The Bonus: Instead of cash, Marcus offers a Referral Bonus APY Boost. For every referral, you and your friend get an extra 1.0% APY for 3 months.
• Why we love it: That extra 1% can be worth hundreds of dollars if you have a significant savings balance. You can stack referrals to keep the boost going for a whole year.

3. Discover Online Savings

• APY: Consistently high.
• The Bonus: Discover often has sign-up bonuses ranging from $150 to $200 for depositing a certain amount (e.g., $15,000 or $25,000).
• Why we love it: No monthly fees and top-tier customer service.

4. Capital One 360 Performance Savings

• APY: Competitive.
• The Bonus: While their referral program varies, they frequently have "new money" bonuses where you can earn cash for depositing large sums.
• Why we love it: Great mobile app and integration with Capital One credit cards.

5. Wealthfront Cash Account

• APY: Often leads the market.
• The Bonus: Similar to Marcus, Wealthfront offers an APY boost (often +0.50%) when you refer a friend.
• Why we love it: It's technically a cash management account with checking features, making it very flexible.

How to Choose?

• For Cash Upfront: Go with SoFi.
• For Maximizing Interest: Go with Marcus or Wealthfront if you have a large balance to take advantage of the APY boost.
• For Simplicity: Capital One or Discover are solid, no-fuss options.

Don't Forget to Share!

Once you open one of these accounts, grab your referral link immediately. Share it on Referbonuses.com to start earning bonuses from other users looking for a better place to park their cash.