If you see an option to Invite Your Friends in your app, then you’re eligible for our referral program.

Not only can you earn $$$, but once your friends join you on Step, you can instantly send and receive money from each other. Maybe you could even convince them to pick the same color card as you 😉 💗 💛 💙!


How do I refer someone?

1. Invite

Your first step is to send your friend your unique referral link. Here's how:

  • Scroll to the bottom of your app screen and tap Invite Your Friends

  • Tap Share Your Code to send a text to your friend with your link

2. Sign up

Your friend will need to tap your link and create their Step account. Remember, you can only send referrals to people who don’t have a Step account yet.

3. Meet requirements

To be eligible to claim a referral (in most cases), the person referred will need to meet these requirements within 14 days of creating their account:

  • Be signing up for Step for the first time

  • Sign up using a phone number from a US cellular service (ex T-Mobile or Verizon) and not a VoIP phone number (ex: Google Voice)

  • Get a sponsor to unlock their account if they’re under 18, or verify their account if they’re over 18

  • Fund their Step account with at least $5 using a linked bank account or debit card

Please note that our referral program often changes, and your requirements for earning a referral might be a little different.


4. Reward 🎉

You both get a bonus deposited into your account once all steps are completed!


I haven't gotten my reward yet!

Check with the person you referred to see if they've completed the steps above. Once they have, they can click your referral link again and you should both get your bonus 💸


My link isn't working!

If a referral link doesn't work, your friend can go ahead and enter your referral code manually right from the app. Here's how:

  • Tap on the menu icon in the top-right corner ☰

  • Tap on Enter Referral Code

  • Enter your referral code in all caps

Your code is the last 5 digits at the end of your unique referral link.


If you're 18 and under, you can join Step Squad!

As part of Step Squad, you can earn greater rewards for each referral.

Here's how to join the Squad:

  • Refer 3 friends to join Step

  • Deposit $5 to your Step Account using a linked debit card or bank account

  • Send 1 payment

  • Make 1 purchase with your card

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